HomeTennesseeShelby CountyGermantown
Germantown, Tennessee: commercial real estate data.
Germantown is a Census city of 40,673 people across 20.00 square miles of land, in Shelby County. Median household income is $149,920, 86.7 percent of occupied homes are owned, and the SBA record carries 36 7(a) approvals to borrowers here worth $15.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Germantown
What Germantown is
- Census place typecity
- Land area20 sq mi
- Water area0.02 sq mi
- Population per square mile of land2,034
- County holding the largest share of its areaShelby 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
- Population40,673
- Median age44.3
- Population under 1810,909
- Share under 1826.8 percent
- Population 65 and over9,854
- Share 65 and over24.2 percent
- Households15,568
- Family households11,577
- Share of households that are families74.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
Income and work in Germantown
- Median household income$149,920
- Per capita income$75,765
- Civilian labor force19,015
- Employed18,407
- Unemployed608 plus or minus 207
- Unemployment rate3.2 percent plus or minus 1.1
- Adults 25 and over28,000
- Adults 25 and over with a high school diploma or higher98.3 percent
- Adults 25 and over with a bachelor degree or higher71.9 percent
- Adults 25 and over with a graduate degree32.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
Housing in Germantown
- Housing units16,106
- Occupied units15,568
- Vacant units538 plus or minus 227
- Vacancy rate3.3 percent plus or minus 1.4
- Owner occupied13,490
- Renter occupied2,078
- Ownership rate86.7 percent
- Median owner-occupied home value$470,800
- Median gross rent, monthly$1,816
- Annual rent as a share of median income14.5 percent
- Single family units14,029
- Share single family87.1 percent
- Units in buildings of two or more2,055
- Share in buildings of two or more12.8 percent
- Mobile homes10 plus or minus 18
- Median year structure built1983
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 commute14,435
- Commuting under 15 minutes3,606
- Share commuting under 15 minutes25.0 percent
- Commuting 30 minutes or more4,207
- Share commuting 30 minutes or more29.1 percent
- Drove alone72.2 percent
- Carpooled5.6 percent plus or minus 1.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home20.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Germantown
SBA loans in Germantown (7(a))
- Approvals36
- Gross approval$15,450,500
- Average approval$429,181
- Median approval$290,500
- Ninetieth percentile approval$978,300
- Largest approval$1,643,800
- Jobs supported632
- Jobs per approval17.6
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.3 percent
- Share to franchises44.4 percent
- Distinct lenders20
- Distinct industries by NAICS26
Counted by borrower city: approvals to borrowers whose address is in Germantown, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$3,710,000
- Average approval$1,855,000
- Median approval$1,855,000
- Largest approval$3,368,000
- Jobs supported6
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Germantown, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Germantown
Flood risk in Germantown
- NFIP communityCity of Germantown
- NFIP community number470353
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/06/13
The City of Germantown participates in the National Flood Insurance Program as community 470353 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Shelby County, not Germantown
Shelby County context, not Germantown figures
- Establishments in Shelby County19,359
- Covered employment, Shelby County482,470
- Average annual pay, Shelby County$71,518
- Housing units permitted, Shelby County2,061
Every figure in this section is published for Shelby County as a whole and is not a measurement of Germantown.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Germantown questions, answered from the record.
How many people live in Germantown, Tennessee?
40,673, in 15,568 households. Germantown city covers 20.00 square miles of land, which is 2,034 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?
Shelby 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?
$149,920. The median owner-occupied home is valued at $470,800. Median gross rent is $1,816 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?
36 7(a) approvals totaling $15.5 m since FY2020, across 20 lenders, median approval $290,500, plus 2 504 approvals worth $3.7 m since FY2010. 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 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Germantown in the National Flood Insurance Program?
Yes. Germantown appears in the FEMA Community Status Book as Germantown, city of, community 470353, 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 labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Shelby 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?
No. Nothing on this page presents parcel level zoning.
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