Germantown, TN population, income and ZIP codes

Germantown city is a small city in Tennessee, with 40,812 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #22 of 504 ranked by population — larger than 95% of them. The median age here is 43.9 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Germantown city earn a median of $144,799 a year, 84.4% above the national figure of $78,538 and 159% above the $55,988 median for the 307 Tennessee cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 2.9% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Germantown city is valued at $441,200, 45.4% above the national figure and 131% above the $191,100 peer median, while median gross rent runs $1,760 a month, 25.2% above the national figure, or roughly $21,120 across a full year. A household on the local median income would put about 14.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 86.2% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.