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Germantown city, OH

ZIP 45327 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45327

Median Home Value
$198,400
Median Rent
$733
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,274/mo PITI).

10%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.6 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 45327 in Germantown city, OH, a household would need roughly $55,000 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 $1,274. That sits below the local median household income ($84,538), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
83.1%+27% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
28.5%-25% vs US avg
x
$198,400
Home Value
$733
Rent
1968
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached89.0%
  • 1-unit attached2.4%
  • 2-9 units3.8%
  • 10+ units3.6%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$198,400
Median rent$733
Owner-occupied83.1%
Vacant6.9%
Price-to-income2.3x
Est. income to buy$55,000