Germantown is a small city of 41,094 in Tennessee, with a median household income of $140,429
and a 2.8% 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, lower-than-average crime, solid school ratings (A), a well-educated population, short average commutes.
Trade-offs:
Potential downsides include high home prices. 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: 92.4
Germantown's overall cost of living index is 92.4,
where 100 represents the US national average.
Living in Germantown costs roughly 8% less than the average American city.
Metric
Germantown, TN
National Avg
Median Home Value
$402,300
$244,900
Median Monthly Rent
$1,700
$1,163
Homeownership Rate
87.6%
65.9%
Median Household Income
$140,429
$74,755
Crime & Safety
Very Safe
Germantown's violent crime rate is 167.8 per 100,000 residents
— 56% lower than the national average of ~380 per 100,000.
Violent Crime
167.8 /100k
Property Crime
1176.8 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Germantown is served primarily by Germantown.
Metric
Germantown, TN
National Avg
School District
Germantown
—
Elementary Schools
4
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
N/A
16:1
Bachelor's Degree or Higher
69.6%
35.4%
High School Diploma or Higher
98.5%
91.1%
Weather & Climate
Germantown sees average highs of 50.2°F in January
and 91.7°F in July,
with 55.2 inches of annual precipitation
and 2.1 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 $402,300 and median rent is $1,700/month.
Germantown's violent crime rate is 167.8 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1176.8 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Germantown are operated by Germantown.
The district has 4 elementary, 1 middle, and 1 high schools.
69.6% of adults 25+ hold a bachelor's degree or higher.
Germantown, TN has a population of 41,094, a median household income of $140,429, and an unemployment rate of 2.8%.
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 50.2°F in January and 91.7°F in July. Annual rainfall is 55.2 inches
with about 2.1 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Germantown, TN is covered by 2 ZIP codes: 38138, 38139.
The population of Germantown, Tennessee is 41,094 with a median age of 43.5. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Germantown: cost of living index 92 (100 = US average), median home $402,300, median household income $140,429, crime index 49 (100 = US average, lower is safer), 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.
