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Germantown city, KY

ZIP 41044 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41044

Median Home Value
$119,400
Median Rent
$698
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$767/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 41044 in Germantown city, KY, a household would need roughly $33,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $767. That sits below the local median household income ($56,250), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.1%+10% vs US avg
x
Vacancy Rate
16.4%+59% vs US avg
x
Broadband Access
75.6%-13% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.4%-89% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$119,400
Home Value
$698
Rent
1991
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached63.9%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other36.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,400
Median rent$698
Owner-occupied72.1%
Vacant16.4%
Price-to-income2.1x
Est. income to buy$33,000