HomeNew YorkColumbia CountyGermantown CDP
Germantown CDP, New York: commercial real estate data.
Germantown CDP is a Census CDP of 1,042 people across 3.64 square miles of land, in Columbia County. Median household income is $96,563, 70.5 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $601,900.
78 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Germantown
What Germantown is
- Census place typeCDP
- Land area3.64 sq mi
- Water area0.02 sq mi
- Population per square mile of land286
- County holding the largest share of its areaColumbia County, 100.0 percent
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
- Population1,042
- Median age56.4
- Population under 18117 plus or minus 53
- Share under 1811.2 percent plus or minus 4.5
- Population 65 and over331 plus or minus 93
- Share 65 and over31.8 percent
- Households556 plus or minus 114
- Family households312 plus or minus 108
- Share of households that are families56.1 percent plus or minus 15.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
Income and work in Germantown
- Median household income$96,563
- Per capita income$67,330 plus or minus $14,219
- Civilian labor force479 plus or minus 113
- Employed453 plus or minus 107
- Unemployed26 plus or minus 28
- Unemployment rate5.4 percent plus or minus 5.7
- Adults 25 and over897 plus or minus 189
- Adults 25 and over with a high school diploma or higher96.1 percent plus or minus 28.6
- Adults 25 and over with a bachelor degree or higher51.5 percent plus or minus 12.5
- Adults 25 and over with a graduate degree33.2 percent plus or minus 13.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
Housing in Germantown
- Housing units641
- Occupied units556 plus or minus 114
- Vacant units85 plus or minus 43
- Vacancy rate13.3 percent plus or minus 6.3
- Owner occupied392 plus or minus 108
- Renter occupied164 plus or minus 65
- Ownership rate70.5 percent
- Median owner-occupied home value$445,900 plus or minus $142,970
- Single family units467 plus or minus 118
- Share single family72.9 percent
- Units in buildings of two or more141 plus or minus 61
- Share in buildings of two or more22.0 percent plus or minus 8.7
- Mobile homes33 plus or minus 26
- Median year structure built1957
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 commute365 plus or minus 94
- Commuting under 15 minutes133 plus or minus 59
- Share commuting under 15 minutes36.4 percent plus or minus 13.3
- Commuting 30 minutes or more110 plus or minus 48
- Share commuting 30 minutes or more30.1 percent plus or minus 10.6
- Drove alone64.0 percent
- Carpooled6.4 percent plus or minus 6.0
- Public transport5.3 percent plus or minus 4.5
- Walked4.2 percent plus or minus 4.8
- Worked from home19.4 percent plus or minus 8.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
SBA loans in Germantown (7(a))
- Approvals8
- Gross approval$601,900
- Average approval$75,238
- Median approval$50,000
- Ninetieth percentile approval$200,000
- Largest approval$200,000
- Jobs supported62
- Jobs per approval7.8
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS5
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.
Germantown
SBA loans in Germantown (504)
- Approvals2
- Gross approval$1,190,000
- Average approval$595,000
- Median approval$626,000
- Largest approval$626,000
- Jobs supported25
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Germantown
Flood risk in Germantown
- Listed NFIP communities1
- Of those, participating1
- NFIP community number361317
- Currently effective map date05/11/79(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Columbia County, not Germantown
Columbia County context, not Germantown figures
These are Columbia 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 Columbia County1,819
- Employment at those establishments, Columbia County16,420
- Covered employment, Columbia County20,888
- Average annual pay, Columbia County$56,241
- Average weekly wage, Columbia County$1,082
- Housing units permitted, Columbia County137
- Of those, single family, Columbia County137
- County product, 2024, Columbia County$3,464,972,000
- County product change over the prior year, Columbia County2.8 percent
- Average income of an arriving household, Columbia County$130,673
Every figure in this section is published for Columbia 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 Census Bureau, Building Permits Survey, 2024 annual. 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.
- No median gross rent is published for this place.
- 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, New York?
1,042, in 556 households. Germantown CDP covers 3.64 square miles of land, which is 286 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?
Columbia County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Germantown?
$96,563. The median owner-occupied home is valued at $445,900. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Germantown businesses?
8 7(a) approvals totalling $601,900, across 6 lenders, median approval $50,000, plus 2 504 approvals worth $1.2 m. 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.
Is Germantown in the National Flood Insurance Program?
Yes. Germantown appears in the FEMA Community Status Book as community 361317, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
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 Columbia 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.