Germantown, TN demographics:
population, income, and more

Total population
40,673
-0.3% year-over-year change
Median household income
$149,920/yr
3.5% year-over-year change
Housing units
16,106
-0.2% year-over-year change

Germantown population

How many people live in Germantown

Germantown is home to 40,673 residents, according to the most recent Census data. Gender-wise, 48.5% of Germantown locals are male, and 51.5% are female.

Total population
40,673
-0.3% year-over-year change
Gender ratio
Male
48.5%
19,720
Female
51.5%
20,953
Value Percent YoY change
Male 19,720 48.5% 0.3%
Female 20,953 51.5% -1.0%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Germantown is 44, with the population distributed as follows: about 22.1% are children under 15, then 9% are in the 15 to 24 age group. Adults between 25 and 44 make up 20.6% of the population, while another 24% fall into the 45 to 64 bracket. Finally, around 24.2% are 65 or older.

Median age
44.3
Age breakdown
Under 15
22.1%
15 to 24
9%
25 to 44
20.6%
45 to 64
24%
Over 65
24.2%
Value Percent YoY change
Under 15 8,991 22.1% -2.3%
15 to 24 3,682 9% 2.6%
25 to 44 8,386 20.6% -3.7%
45 to 64 9,760 24% 2.3%
Over 65 9,854 24.2% 0.9%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Germantown, 90.2% of the population are US-born citizens, while 6.6% have gained naturalized citizenship. At the same time, 3.1% of residents are non-citizens. As for race, 84% of locals are Caucasian, 4.4% are African American and 6.3% have Asian roots. There’s also a share of 3.9% that includes residents with two or more races.

Citizenship
U.S.-born citizens
90.2%
Non-U.S.-born citizens
6.6%
Non-citizens
3.1%
Value Percent YoY change
U.S.-born citizens 36,692 90.2% -0.7%
Non-U.S.-born citizens 2,703 6.6% 0.7%
Non-citizens 1,278 3.1% 7.2%
Racial breakdown
White
84%
Black or African American
4.4%
American Indian and Alaska Native
0%
Asian
6.3%
Native Hawaiian and other Pacific Islander
0.3%
Two or more races
3.9%
Other
1.1%
Value Percent
White 34,171 84%
Black or African American 1,806 4.4%
American Indian and Alaska Native 15 0%
Asian 2,556 6.3%
Native Hawaiian and other Pacific Islander 104 0.3%
Two or more races 1,572 3.9%
Other 449 1.1%

Households in Germantown

A peek inside Germantown households

Germantown has 15,568 households, with an average of 3 members in each. Of these, 74.4% are families, while the remaining 25.6% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
15,568
0.1% year-over-year change
Average people per household
3
Non-family households
3,991
Family households
11,577
Value Percent YoY change
Non-family households 3,991 25.6% 1.6%
Family households 11,577 74.4% -0.4%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Germantown

The housing landscape of Germantown

Germantown's housing consists of 16,106 units, with 83.6% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 3.5% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.1% of the housing landscape.

Housing units
16,106
-0.2% year-over-year change
Housing types
Value Percent
1 unit, detached 13,462 83.6%
1 unit, attached 567 3.5%
2 units 35 0.2%
3 or 4 units 375 2.3%
5 to 9 units 430 2.7%
10 to 19 units 134 0.8%
20 to 49 units 60 0.4%
50 or more units 1,021 6.3%
Mobile home 10 0.1%
Boat, RV, van, etc. 12 0.1%
Homes built since 2020
111
58.6% year-over-year change

The age of buildings in Germantown

In Germantown, the median construction year is 1983. About 1% of homes were built before the 1940s, with another 0.2% going up by 1949. Most development happened in the second half of the 20th century. Then, 11.6% of homes were added from 2000 to 2009, 7.8% between 2010 and 2019, and 0.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 154 1% 2.7%
Built between 1940 and 1949 37 0.2% -7.5%
Built between 1950 and 1959 267 1.7% -1.5%
Built between 1960 and 1969 882 5.5% 12.4%
Built between 1970 and 1979 5,640 35% -3.1%
Built between 1980 and 1989 3,707 23% -1.5%
Built between 1990 and 1999 2,192 13.6% -0.1%
Built between 2000 and 2009 1,865 11.6% 9.1%
Built between 2010 and 2019 1,251 7.8% -6.2%
Built in 2020 or later 111 0.7% 58.6%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Germantown occupancy rates

Out of the 15,568 occupied housing units in Germantown, 86.6% are owner-occupied, while 13.4% are lived in by tenants. Meanwhile, 3.3% of all homes on the local market sit vacant.

Occupied housing units
15,568
0.1% year-over-year change
Occupancy breakdown
Renter occupied
2,078
Owner occupied
13,490
Value Percent YoY
change
Renter occupied 2,078 13.4% -2.9%
Owner occupied 13,490 86.6% 0.6%
Unoccupied housing units
3.3%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Germantown housing costs

Housing costs in Germantown come to a median of $2,025 per month, while tenants specifically pay a median gross rent of $1,816.

Median housing costs per month
$2,025/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Germantown
$1,816/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Germantown

Germantown education at a glance

About 11.6% of the population in Germantown went to high school, while 15.3% pursued college studies. Another 3.7% earned an associate degree and 38.5% hold a bachelor’s. Meanwhile, 30.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 181 0.6% 36.1%
High school diploma 3,459 11.6% 3.4%
College diploma 4,543 15.3% -0.3%
Associate degree 1,090 3.7% -17.5%
Bachelor's degree 11,450 38.5% 3.6%
Graduate degree 9,041 30.4% -2.3%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Germantown

How much people earn in Germantown

The average annual household income in Germantown was $197,452 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.4% change from the previous year. At the same time, the median income stood at $149,920, reflecting a +3.5% shift over the same period.

Average household income in Germantown
$197,452/year
3.4% year-over-year change
Median household income in Germantown
$149,920/year
3.5% year-over-year change

Germantown income by age

In Germantown, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $160,673. Those with someone between 45 and 64 in charge, often well established professionally, earn $189,131 overall. Overall, 97.3% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $160,673 0.8%
45 - 64 $189,131 5.4%
Over 65 $100,905 2.5%
Above poverty level
38,892
Below poverty level
1,093
Value Percent YoY
change
Above poverty level 38,892 97.3% -0.0%
Below poverty level 1,093 2.7% -1.7%

Average renter income in Germantown

To get a better sense of what renters earn on average in Germantown, their median household income was $78,488 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 27.8%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$78,488
Rent-to-income ratio
27.8%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Germantown

Workforce and job types in Germantown

The job market in Germantown is powered by 18,407 working residents, spread across a range of industries and roles. 93% of the working population are employed in professional or administrative positions, while 7% are in hands-on or service-based jobs. Also, 12.4% run their own businesses, 67.4% are employed by private companies, and 9.2% work in the public sector.

Workforce demographics

Working population
18,407
-1.3% year-over-year change
White collar
17,127
Blue collar
1,280
Value Percent YoY change
White collar 17,127 93% -1.1%
Blue collar 1,280 7% -3.1%
Employer type
Self employees
12.4%
Private companies
67.4%
Governmental workers
9.2%
Not for profit companies
11%
Value Percent YoY change
Self employees 2,286 12.4% 11.2%
Private companies 12,414 67.4% -2.1%
Governmental workers 1,686 9.2% -0.9%
Not for profit companies 2,021 11% -8.2%
Unemployment rate
3.2%
3.4% year-over-year change

Available workforce

The unemployment rate in Germantown stands at 3.2%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Germantown

How people get around in Germantown

Means of transportation
Value Percent YoY change
Car 14,172 77.7% -6.9%
Walk 9 0% -83.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Germantown by zipcode?

Zipcode Population Number of households Median income Average income
38138 25,167 10,211 $136,297 $174,031
38139 16,466 5,909 $178,661 $237,803

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FAQs about Germantown demographics 

What is the total population of Germantown?

Germantown has a total population of 40,673 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -0.3% compared to a year ago.

What is the gender ratio in Germantown?

The gender ratio in Germantown is as follows:
  • 48.5% males (19,720 residents)
  • 51.5% females (20,953 residents)

What is the median age in Germantown?

The median age in Germantown is 44.3.

What is the age distribution of the population in Germantown?

The age distribution in Germantown is as follows:
  • Under 15: 22.1% (8,991 residents)
  • Ages 15-24: 9% (3,682 residents)
  • Ages 25-44: 20.6% (8,386 residents)
  • Ages 45-64: 24% (9,760 residents)
  • Over 65: 24.2% (9,854 residents)

What is the racial and ethnic makeup of Germantown?

The racial and ethnic makeup of Germantown is as follows:
  • White: 84% (34,171 residents)
  • Black or African American: 4.4% (1,806 residents)
  • American Indian and Alaska Native: 0% (15 residents)
  • Asian: 6.3% (2,556 residents)
  • Native Hawaiian and Other Pacific Islander: 0.3% (104 residents)
  • Two or More Races: 3.9% (1,572 residents)
  • Other: 1.1% (449 residents)

What percentage of the population in Germantown are U.S.-born citizens?

U.S.-born citizens represent 90.2% of the population in Germantown.

How many housing units are there in Germantown?

There are 16,106 housing units in Germantown, reflecting a -0.2% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Germantown and what is the average household size?

Germantown has a total of 15,568 households, with an average of 3 people in each.

What is the median household income in Germantown?

Germantown has a median household income of $149,920, representing a +3.5% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Germantown?

The employment rate is 96.8% in Germantown, with a workforce of 18,407 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 93% (17,127 residents)
  • Blue-collar workers: 7% (1,280 residents)

Places of employment:
  • Self-employed: 12.4% (2,286 residents)
  • Private companies: 67.4% (12,414 residents)
  • Governmental workers: 9.2% (1,686 residents)
  • Not-for-profit companies: 11% (2,021 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025