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Germantown, Tennessee Retirement Guide
73
Retirement Score
Germantown, Tennessee at a Glance
- Median Home Price
- $402,300
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 34.8°F
- Cost of Living Index
- 91.8 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 73 / 100
Retirement Data
Affordability
Cost of Living Index
91.8 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$402,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,700High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
25 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated June 2026
Climate
Avg July High
91.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
34.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
51.5"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
300 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
58.8 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
3.2 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
41,094High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
43.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
22.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$140,429High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
87.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
7.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
69.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
2.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
86.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
4.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
2.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
5.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Germantown using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$872
Stress-case monthly carrying cost
$979
Median home price used: $402,300
Median rent reference: $1,700 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
TCM
TRINITY CAPITAL MANAGEMENT, LLC
FCG INVESTMENT COMPANY
SILVERLEAFE CAPITAL PARTNERS, LLC
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