What are the schools like in Germantown, MD?

Germantown is served primarily by Montgomery County Public Schools. The district operates 138 elementary schools, 40 middle schools, and 29 high schools with a student-to-teacher ratio of 13.8:1.

What is the median household income in Germantown?

The median household income in Germantown, MD is $109,268 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 5.2%.

What is the weather like in Germantown, MD?

Germantown has an average high temperature of 39.1°F in January and 84.3°F in July. Annual precipitation averages 46.7 inches and annual snowfall averages 32.6 inches.

Germantown, MD Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Germantown, MD affordable or expensive?

Germantown's cost of living index is 109, where 100 represents the national average. This means Germantown is 9% more expensive than the average US city. The median home value is $393,700 and the median rent is $1,908 per month.

Q: What is the crime rate in Germantown, MD?

Crime rate data for Germantown is not currently available from the FBI's reported data.

Is Germantown, MD a Good Place to Live?

Germantown is a mid-sized city of 90,210 in Maryland, with a median household income of $109,268 and a 5.2% unemployment rate. Its cost of living index is 109 (US average = 100), which is 9% above the national average.

Strengths: Germantown stands out for solid school ratings (A-), a well-educated population.

Trade-offs: Potential downsides include longer commutes, an elevated unemployment rate. Whether Germantown is right for you depends on your priorities — the full breakdown is below.

All Germantown city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 108.6

Germantown's overall cost of living index is 108.6, where 100 represents the US national average. Living in Germantown costs roughly 9% more than the average American city.

Metric	Germantown, MD	National Avg
Median Home Value	$393,700	$244,900
Median Monthly Rent	$1,908	$1,163
Homeownership Rate	65.9%	65.9%
Median Household Income	$109,268	$74,755

Crime & Safety

Crime data for Germantown is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.

Schools & Education

Germantown is served primarily by Montgomery County Public Schools. The student-to-teacher ratio is 13.8:1 (better than the national average of ~16:1).

Metric	Germantown, MD	National Avg
School District	Montgomery County Public Schools	—
Elementary Schools	138	—
Middle Schools	40	—
High Schools	29	—
Student/Teacher Ratio	13.8:1	16:1
Bachelor's Degree or Higher	48.9%	35.4%
High School Diploma or Higher	89.5%	91.1%

Weather & Climate

Germantown sees average highs of 39.1°F in January and 84.3°F in July, with 46.7 inches of annual precipitation and 32.6 inches of snow per year.

Metric	Germantown, MD
Average High — January	39.1°F
Average High — July	84.3°F
Annual Precipitation	46.7"
Annual Snowfall	32.6"

Demographics

Metric	Germantown, MD	National Avg
Population	90,210	—
Median Age	36.9	38.9
Unemployment Rate	5.2%	3.7%
Avg Commute Time	33.6 min	26 min
White (non-Hispanic)	33.7%	59.3%
Black or African American	25.2%	13.6%
Hispanic or Latino	16.2%	18.9%
Asian	20.4%	6.3%
Under 18	24.3%	22.2%
65 and over	10.7%	16.8%

Nearby Cities

Montgomery Village, MD 3 mi Clarksburg, MD 3 mi Gaithersburg, MD 4 mi Ten Mile Creek, MD 4 mi Flower Hill, MD 4 mi

ZIP Codes in Germantown

Germantown, MD is covered by 1 ZIP code:

20876

Germantown vs Other Cities

Germantown, MD vs Montgomery Village, MD Germantown, MD vs Clarksburg, MD Germantown, MD vs Gaithersburg, MD Germantown, MD vs Ten Mile Creek, MD Germantown, MD vs Flower Hill, MD

Frequently Asked Questions

Is Germantown, MD affordable or expensive?

Germantown's cost of living index is 109, where 100 is the national average. That puts Germantown roughly 9% above the national average in cost. The median home price is $393,700 and median rent is $1,908/month.

What is the crime rate in Germantown, MD?

Crime data for Germantown is not available in the current FBI UCR reporting year. Not all jurisdictions submit data annually.

What are the schools like in Germantown?

Public schools in Germantown are operated by Montgomery County Public Schools. The district has 138 elementary, 40 middle, and 29 high schools. The student-to-teacher ratio is 13.8:1. 48.9% of adults 25+ hold a bachelor's degree or higher.

Is Germantown, MD a good place to live?

Germantown, MD has a population of 90,210, a median household income of $109,268, and an unemployment rate of 5.2%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Germantown?

Germantown averages 39.1°F in January and 84.3°F in July. Annual rainfall is 46.7 inches with about 32.6 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Germantown?

Germantown, MD is covered by 1 ZIP code: 20876.

What is the population of Germantown?

The population of Germantown, Maryland is 90,210 with a median age of 36.9. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Germantown?

Key numbers for living in Germantown: cost of living index 109 (100 = US average), median home $393,700, median household income $109,268, schools rated A-. Whether these are benefits or drawbacks depends on where you're coming from — compare Germantown side by side with your current city to see the trade-offs.