Head-to-Head · City Comparison
Germantown, MD
VS
O'Fallon, MO
🏆 O'Fallon leads 17 of 20 categories
Germantown
Maryland
3
wins
Cost of Living Index
108.6⚠ High
Median Household Income
$109,268 ✓ Higher
Violent Crime Index
—
Population
90,210
O'Fallon
Missouri
17
wins
Cost of Living Index
96.3 ✓ Cheaper
Median Household Income
$104,863
Violent Crime Index
16
Population
91,825 ✓ Larger
Pros & Cons
Auto-generated from official data — head-to-head differences and gaps vs the national average.
Germantown, MD
Pros
More college-educated — 48.9% hold a bachelor's or higher
Households earn $4,405 more per year on average
Cons
Higher rents — median is $1,908/mo
Pricier housing — median home is $393,700
Cost of living runs 12% higher than O'Fallon
Higher unemployment (5.2% vs 3.1%)
O'Fallon, MO
Pros
Rent averages $597/mo less ($1,311 vs $1,908)
Homes cost $110k less ($283,600 vs $393,700)
Stronger job market — unemployment is 2.1 pts lower (3.1%)
Violent crime is well below the national average (59.0 vs 380/100k)
Commutes run 8 min shorter each way
12% cheaper overall cost of living than Germantown
Cons
Median income trails Germantown by $4,405/yr
Key Differences at a Glance
Germantown
Median Income
$4,405
$109,268 vs $104,863/yr
O'Fallon
Cost of Living
12% cheaper
COL index 96.3 vs 108.6 (100 = US avg)
O'Fallon
Median Home Value
$110k less
$283,600 vs $393,700
O'Fallon
Unemployment
2.1 pp lower
3.1% vs 5.2% unemployment
O'Fallon
Summer Heat
3.2°F warmer
July avg high 87.5°F vs 84.3°F
Full Data Comparison
| Metric | Germantown, MD | O'Fallon, MO |
|---|---|---|
| 💰 Cost of Living | ||
| Cost of Living Index National avg = 100 · lower = cheaper | 108.6⚠ High | 96.3 ✓ Cheaper |
| Median Home Value | $393,700⚠ High | $283,600 ✓ Lower |
| Median Monthly Rent | $1,908⚠ High | $1,311 ✓ Lower |
| 📈 Income & Economy | ||
| Median Household Income | $109,268 ✓ Higher | $104,863 |
| Unemployment Rate | 5.2%⚠ High | 3.1% ✓ Lower |
| Avg Commute Minutes each way | 33.6 min⚠ High | 26.1 min ✓ Shorter |
| Work From Home % | 16.7% ✓ Higher | 14.0% |
| 🔒 Safety | ||
| Crime Index 100 = national avg · lower = safer · 60% violent / 40% property | — | 18 |
| Violent Crime Index 100 = national avg · lower = safer | — | 16 |
| Property Crime Index 100 = national avg · lower = safer | — | 23 |
| 🎓 Education | ||
| School Quality 100 = national avg · grad rate, staffing & attainment | A- (116) | A (118) ✓ Better |
| Student-Teacher Ratio Lower = smaller classes | 13.8:1 | 12.7:1 ✓ Smaller |
| Bachelor's Degree or Higher | 48.9% ✓ Higher | 42.4% |
| High School or Higher | 89.5% | 95.4% ✓ Higher |
| School District Name only — no quality rating available | Montgomery County Public Schools | FORT ZUMWALT SCHOOL DISTRICT |
| 🌤 Weather | ||
| Avg High — January | 39.1°F | 39.3°F ✓ Warmer |
| Avg High — July | 84.3°F | 87.5°F ✓ Warmer |
| Annual Precipitation | 46.7" | 44.4" ✓ Drier |
| Annual Snowfall | 32.6" | 13.5" ✓ Less |
| 👥 Demographics | ||
| Population | 90,210 | 91,825 ✓ Larger |
| Median Age | 36.9 | 38.0 ✓ Older |
| Homeownership Rate | 65.9% | 80.9% ✓ Higher |
| Under 18 | 24.3% | 24.9% ✓ More |
| Over 65 | 10.7% | 13.2% ✓ More |
Frequently Asked Questions
Germantown's cost of living index is 108.6 vs O'Fallon's 96.3 (US average = 100).
O'Fallon is 12% less expensive overall.
Based on the 20 decided categories above, O'Fallon leads 17 of 20 categories. Germantown wins 3 and O'Fallon wins 17. The right choice depends on your priorities — use the Pros & Cons and full table above to weigh what matters to you.
Whether you're moving from Germantown to O'Fallon or relocating the other way, focus on the biggest gaps: housing ($393,700 vs $283,600 median home), income ($109,268 vs $104,863), safety, and schools — all covered in the full table above.
Germantown, MD and O'Fallon, MO are about 723 miles apart (straight-line distance). Driving distance will be longer depending on the route.