Area data
Germantown, KY — ZIP 41044
Population: 1,263 (Census ACS)
The median home value in ZIP 41044 (Germantown, KY) is $211,421 — up 3.7% over the past year. Homes sell for a median $133,500 after a median 71.5 days on market. FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with strongwind the top-rated hazards. Cost of living is 11.5% below the US average (BEA, metro/state-level).
$211,421
Median home value
+3.7%
1-year change
71.5
Median days on market
Very Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $211,421
- 1-year appreciation
- +3.7%
- 3-year appreciation
- +17.4%
- 5-year appreciation
- +36.1%
- 10-year appreciation
- +115.2%
- All-time peak (2026-07)
- $211,421
- House Price Index (state)
- 396.0 (+2.4% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $133,500
- Median list price
- $204,950
- Median price per sqft
- $104
- 1-year sale-price change
- -16.6%
- Median days on market
- 71.5 days
- Homes sold (recent period)
- 2
- For-sale inventory
- 5
- Sale-to-list ratio
- 90.1%
- 1-year forecast
- +2.3%
Source: recent area sales and market data (ZIP-level)
Rents
- Studio fair-market rent
- $680/mo
- 1BR fair-market rent
- $770/mo
- 2BR fair-market rent
- $980/mo
- 3BR fair-market rent
- $1,290/mo
- 4BR fair-market rent
- $1,440/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Low)
- 88.5 (100 = US avg)
- Electricity rate (state-level)
- 13.2¢/kWh
- Natural gas rate (state-level)
- $14.20/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Natural hazards & flood risk
- Overall hazard risk (county)
- Very Low
- Top hazards (county)
- strongWind
- Notable hazard ratings (county)
- lightning: Relatively Low · strongWind: Relatively Moderate · tornado: Relatively Low
- FEMA flood zone
- X
- Flood risk level
- Minimal
- Wildfire risk to homes (county)
- Higher than 15% of US counties
- Buildings in wildfire direct-exposure zone
- 91.9%
- Radon potential (county)
- Moderate radon potential — EPA Zone 2 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Average annual temperature
- 55.0°F
- Average high
- 67.0°F
- Average low
- 44.0°F
- Annual precipitation
- 52.2 in
- USDA plant hardiness zone
- 6b (extreme annual low -5 to 0°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Walkability & transit
- Walkability index
- 2.3 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 1,064
- Jobs reachable by transit (45 min)
- 1,422
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 1
- Nearest national park
- William Howard Taft National Historic Site (46 mi)
- Airports within 30 mi
- 15
- Nearest airport
- Fleming Mason Airport (13 mi)
- Nearest major airport
- Cincinnati Municipal Airport Lunken Field (LUK) (42 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- MEADOWVIEW REGIONAL MEDICAL CENTER, GEORGETOWN BEHAVIORAL HOSPITAL
- Avg hospital rating (CMS)
- 4.0 / 5
- Best hospital rating nearby (CMS)
- 4.0 / 5
- Solar radiation rating
- Fair (4.1 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +16 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,991
- Housing built before 1970
- 32.5%
- Housing built 2000 or later
- 34.0%
- Median annual property tax
- $1,035
- Households with broadband internet
- 35.9%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 1,012
- Average weekly wage
- $971
- Top industries (by employment)
- Health Care, Accommodation & Food, Construction
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 41044 | State median | US median | |
|---|---|---|---|
| Median home value | $211,421 | $169,157 | $289,727 |
| Median sale price | $133,500 | $234,500 | $325,000 |
| Median days on market | 72 days | 57 days | 51 days |
| Median annual property tax | $1,035 | $921 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 41044?
- $211,421.
- What is the median sale price in ZIP 41044?
- $133,500.
- How long do homes take to sell in ZIP 41044?
- Median days on market: 71.5 days.
- What is typical rent in ZIP 41044?
- 2-bedroom fair-market rent: $980/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
- What is the natural-hazard risk in ZIP 41044?
- Overall risk: Very Low (FEMA NRI, county-level). Top hazards: strongWind.
- Is ZIP 41044 in a flood zone?
- Minimal (FEMA NFIP). FEMA flood zone X.
- What is the wildfire risk in ZIP 41044?
- Risk to homes is higher than 15% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 41044?
- Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 41044?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- Is ZIP 41044 walkable?
- Walkability index: 2.3/20 (EPA Smart Location Database).
- What is the cost of living in ZIP 41044?
- Regional Price Parity: 88.5 (100 = US average) (Low) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →