Germantown, OH—45327
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Germantown, OH
Germantown, OH lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $258,000 | 5.4% |
| Single Family | $258,000 | 5.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $186,000 | 6.3% |
3 Bed | $256,000 | 6.2% |
4 Bed | $345,000 | 4.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Germantown, OH
As of July '25, Rentcast reports the average rent in Germantown, OH is $1,570, with a year-over-year rent change of 55.4%. Per bedroom, the median rent as of July '25 in Germantown, OH is 2-bedrooms: $1,030, 3-bedrooms: $2,400, 4-bedrooms: $1,500. The most common rental property sizes in Germantown, OH are 1-bedroom and 2-bedroom, accounting for 38.0% and 30.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,450 | $1,570 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $750 | $1,030 |
| 3 Bed Rent | $1,450 | $2,400 |
| 4 Bed Rent | $1,500 | $1,500 |
% of Rental Stock
Property Listings — Germantown, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Germantown, OH is 38. This is a decrease of -22.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 40.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $355,000 | 5.0% |
Listing Count | 40 | 20.0% |
| Listings as % of Homes | 0.7% | 20.0% |
Days on Market | 38 | -22.0% |
Demographics — Germantown, OH
As of the latest ACS Survey released in 2023, Germantown, OH has a population of 8,950, which has decreased by -4.4% over the past 5 years. Germantown, OH is a popular place for families, as children make up 25.6% of the population. The area has a poorly educated workforce, with 24.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,950 | -4.4% |
% Under 18 | 25.6% | 0.0% |
% Seniors | 19.1% | 10.4% |
% WFH | 10.6% | 24.7% |
% w/ College Degree | 24.4% | 0.8% |
As of the latest ACS Survey released in 2023, Germantown, OH is a predominantly white area, with 94.0% of the population identifying as white. The white population has shrunk by 1.7% in the last 5 years. The second most common race or ethnicity in Germantown, OH is hispanic, making up 2.0% of the population. Foreign-born residents account for 0.2% of the population in Germantown, OH, and this percentage has decreased by 85.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.0% | -1.7% |
% Black | 0.4% | -60.0% |
% Hispanic | 2.0% | -37.5% |
% Asian | 0.1% | ∞% |
% Foreign Born | 0.2% | -85.7% |
Mortgage and Risk — Germantown, OH
According to HUD data as of 2023, there were 230 mortgage originations in Germantown, OH, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Germantown, OH. Investor activity is low, as 4.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 230 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Germantown, OH
Germantown, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 85 |
Total Units Section 8 | 37 |
% Rentals under Section 8 | 5.2% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $830 |
| 2 Bedroom | $330 | $750 | $1,080 |
| 3 Bedroom | -$20 | $1,450 | $1,430 |
| 4 Bedroom | $90 | $1,500 | $1,590 |
Affordability — Germantown, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $258,000 |
| Median Household Income | $84,500 |