HomeKentuckyBracken CountyGermantown city
Germantown city, Kentucky: commercial real estate data.
Germantown city is a Census city of 232 people across 0.12 square miles of land, lying across Bracken County and Mason County. Median household income is $77,000, 67.9 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $1.9 m.
67 sourced place values · tier FULL · 7 sections
This is a small place, and the figures below carry wide margins.
The American Community Survey reaches Germantown through a sample, not a count, and in a place this size that sample is thin. The population estimate here is 232 with a margin of error of plus or minus 149, which is 64.2 percent of the estimate itself. Every figure whose margin reaches 20 percent is printed with that margin beside it, so you can see the width of each one rather than having to assume it.
Nothing has been removed or adjusted. These are the published federal estimates, shown with the uncertainty the Census publishes alongside them.
Germantown
What Germantown is
- Census place typecity
- Land area0.12 sq mi
- Water area0 sq mi
- Population per square mile of land1,895 plus or minus 1,217
- County holding the largest share of its areaBracken County, 80.7 percent
- Counties this place lies inBracken County 80.7 percent, Mason County 19.3 percent
Germantown city crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
How many people live in Germantown
- Population232 plus or minus 149
- Median age33.1 plus or minus 10.3
- Population under 1877 plus or minus 52
- Share under 1833.2 percent plus or minus 7.5
- Population 65 and over23 plus or minus 22
- Share 65 and over9.9 percent plus or minus 7.1
- Households78 plus or minus 35
- Family households64 plus or minus 34
- Share of households that are families82.1 percent plus or minus 23.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
Income and work in Germantown
- Median household income$77,000 plus or minus $48,615
- Per capita income$27,781 plus or minus $7,726
- Civilian labor force115 plus or minus 73
- Employed115 plus or minus 73
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over142 plus or minus 72
- Adults 25 and over with a high school diploma or higher95.8 percent plus or minus 63.8
- Adults 25 and over with a bachelor degree or higher24.6 percent plus or minus 24.0
- Adults 25 and over with a graduate degree12.7 percent plus or minus 20.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
Housing in Germantown
- Housing units89 plus or minus 35
- Occupied units78 plus or minus 35
- Vacant units11 plus or minus 14
- Vacancy rate12.4 percent plus or minus 15.0
- Owner occupied53 plus or minus 29
- Renter occupied25 plus or minus 25
- Ownership rate67.9 percent plus or minus 21.3
- Median owner-occupied home value$101,400 plus or minus $50,906
- Median gross rent, monthly$1,292
- Annual rent as a share of median income20.1 percent plus or minus 13.1
- Single family units75 plus or minus 36
- Share single family84.3 percent plus or minus 24.0
- Units in buildings of two or more2 plus or minus 13
- Share in buildings of two or more2.2 percent plus or minus 15.0
- Mobile homes12 plus or minus 15
- Median year structure built1944
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
How Germantown gets to work
- Workers 16 and over who commute98 plus or minus 55
- Commuting under 15 minutes29 plus or minus 26
- Share commuting under 15 minutes29.6 percent plus or minus 21.3
- Commuting 30 minutes or more32 plus or minus 24
- Share commuting 30 minutes or more32.7 percent plus or minus 17.0
- Drove alone72.2 percent plus or minus 62.6
- Carpooled6.1 percent plus or minus 6.8
- Public transport0.0 percent
- Walked7.0 percent plus or minus 7.5
- Worked from home14.8 percent plus or minus 18.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
SBA 7(a) lending to Germantown borrowers
- Approvals2
- Gross approval$1,938,000
- Average approval$969,000
- Median approval$1,918,000
- Ninetieth percentile approval$1,918,000
- Largest approval$1,918,000
- Jobs supported46
- Jobs per approval23.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term180 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises50.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bracken County, not Germantown
Bracken County context, not Germantown figures
These are Bracken County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Germantown measurements.
- Establishments in Bracken County98
- Employment at those establishments, Bracken County943
- Covered employment, Bracken County1,534
- Average annual pay, Bracken County$47,259
- Average weekly wage, Bracken County$909
- County product, 2024, Bracken County$219,496,000
- County product change over the prior year, Bracken County0.9 percent
- Average income of an arriving household, Bracken County$41,377
Every figure in this section is published for Bracken County as a whole and is not a measurement of Germantown. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Germantown questions, answered from the record.
How many people live in Germantown, Kentucky?
232, in 78 households. Germantown city covers 0.12 square miles of land, which is 1,895 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Germantown in?
Germantown lies in more than one. By area it is 80.7 percent in Bracken County, 19.3 percent in Mason County. This page sits under Bracken County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Germantown?
$77,000. The median owner-occupied home is valued at $101,400. Median gross rent is $1,292 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Germantown businesses?
2 7(a) approvals totalling $1.9 m, across 2 lenders, median approval $1,918,000. These count approvals to borrowers whose address is in Germantown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Germantown borrowers get paid back?
No rate is published for Germantown. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Germantown figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bracken County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Germantown.
Is zoning published for Germantown?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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