Germantown is a small town of 5,784 in Ohio, with a median household income of $86,524
and a 6.6% unemployment rate.
Its cost of living index is 92 (US average = 100), which is
8% below the national average.
Strengths:
Germantown stands out for an affordable cost of living, below-average home prices, lower-than-average crime, short average commutes.
Trade-offs:
Potential downsides include 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: 92.3
Germantown's overall cost of living index is 92.3,
where 100 represents the US national average.
Living in Germantown costs roughly 8% less than the average American city.
Metric
Germantown, OH
National Avg
Median Home Value
$164,400
$244,900
Median Monthly Rent
$537
$1,163
Homeownership Rate
83.2%
65.9%
Median Household Income
$86,524
$74,755
Crime & Safety
Very Safe
Germantown's violent crime rate is 103.3 per 100,000 residents
— 73% lower than the national average of ~380 per 100,000.
Violent Crime
103.3 /100k
Property Crime
774.5 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Germantown is served primarily by Valley View Local.
The student-to-teacher ratio is 17.1:1
(slightly above the national average of ~16:1).
Metric
Germantown, OH
National Avg
School District
Valley View Local
—
Elementary Schools
1
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
17.1:1
16:1
Bachelor's Degree or Higher
20.4%
35.4%
High School Diploma or Higher
96.2%
91.1%
Weather & Climate
Germantown sees average highs of 38.4°F in January
and 85.8°F in July,
with 42.5 inches of annual precipitation
and 9.7 inches of snow per year.
Germantown's cost of living index is 92, where 100 is the national average.
That makes Germantown roughly 8% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $164,400 and median rent is $537/month.
Germantown's violent crime rate is 103.3 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 774.5 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Germantown are operated by Valley View Local.
The district has 1 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 17.1:1. 20.4% of adults 25+ hold a bachelor's degree or higher.
Germantown, OH has a population of 5,784, a median household income of $86,524, and an unemployment rate of 6.6%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Germantown averages 38.4°F in January and 85.8°F in July. Annual rainfall is 42.5 inches
with about 9.7 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Germantown, OH is covered by 1 ZIP code: 45327.
The population of Germantown, Ohio is 5,784 with a median age of 43.6. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Germantown: cost of living index 92 (100 = US average), median home $164,400, median household income $86,524, crime index 31 (100 = US average, lower is safer), schools rated C+. 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.
