Median Income
$86,250
15% higher than US avg
Home Value
$102,300
64% lower than US avg
Violent Crime
170/100K
55% lower than US avg
Bachelor's+
27.7%
18% lower than US avg
Obesity Rate
31.0%
3% lower than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Germantown Compares to the U.S. Average (100% = U.S. avg)
People
Population224
Median Age33.2 yrs
Density1,867/mi²
Male / Female56% / 44%
Largest GroupWhite 100%
Veterans4.0%
Economy
A+
Median Income$86,250
Per Capita$28,838
Unemployment0.0%
Poverty0.0%
County GDP$1,543M
Commute26 min
Housing
A+
Home Value$102,300
Ownership76.0%
Zillow$190,958
Housing Units78
Rent Burden24.3%
Crime
F
Violent170/100K
Property2,464/100K
Health
Obesity31.0%
Smoking20.7%
Heart Disease6.7%
Climate
Avg Temp55°F (13°C)
AQI41 (Good)
Rain48.3 in/yr
Sunny Days293/yr
Elevation946 ft (288 m)
Education
B
Bachelor's+27.7%
High School+95.0%
Graduate+14.5%
School Score5.54
Community
2024 VoteR 71% / D 27%
Commute26 min
Broadband75.0%
EV Stations1
Libraries1
Is Germantown a Good Place to Live?
Based on current data, Germantown receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. Germantown offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Germantown is $86,250, 15% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 26 minutes.
Cost of Living & Housing
The median home value in Germantown is $102,300, 64% below the national median / offering relatively affordable homeownership. At just 1.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Germantown is below the national average at 170 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,464 per 100,000, 26% above the national average.
Education
27.7% of residents hold a bachelor's degree, below the national average of 33.7%. 95.0% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Germantown experiences four distinct seasons with an average temperature of 55°F. Winters average 32°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 48.3 inches. Air quality is rated Good with a median AQI of 41.
Germantown has a population of 224 with a density of 1,867 people per square mile, spread across 0.1 square miles. The median age is 33.2 years, 15% younger than the national median of 38.9. The gender split is 43.8% female and 56.3% male. The city is predominantly White (100%). English is the primary language spoken at home by 91.7% of residents, while 8.3% speak Spanish. 4.0% of the population are veterans, below the national rate of 6.0%. 0.4% of residents have a disability (below the 13.0% national average). 97.0% have health insurance coverage.
Population
33.2yrs
Median Age
15% below US avg
Race & Ethnicity
Germantown vs U.S. Average
Language Spoken at Home
English Only
91.7%
17% above US avg
Spanish
8.3%
38% below US avg
Social Characteristics
Germantown vs U.S. Average
The median household income in Germantown is $86,250, which is 15% above the national average of $75,149. Per capita income is $28,838 (below the $39,052 national figure). The average weekly wage is $964, 33% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 717 business establishments, including 49 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 26 minutes. 16.4% of workers work from home.
Income: Germantown vs U.S.
Income
| Median HH Income | $86,250 |
| 15% above US avg |
| Per Capita Income | $28,838 |
| Avg Weekly Wage | $964 |
| IRS Avg AGI | $59,514 |
| Gini Index | 0.544 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 717 |
| County GDP | $1,543M |
Business (County)
| Restaurants | 49 |
| Healthcare | 59 |
| Retail | 89 |
| Manufacturing | 19 |
Tax & Cost of Living
| Property Tax (IRS) | $3,010 |
| 14% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 2.94% |
Commute & Transportation
| Commute Time | 25.9 min |
| Drive Alone | 78.5% |
| Public Transit | 0.0% |
| Work from Home | 16.4% |
The median home value in Germantown is $102,300, 64% below the national median of $281,900. Zillow estimates the typical home value at $190,958, higher than the Census estimate. Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 76.0% of housing units are owner-occupied (above the 65.4% national rate). There are 78 total housing units in the city. The median year a home was built is 1943. The average annual property tax is $3,010. 24.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.2x, well within the affordable range.
Home Values
| Census Median | $102,300 |
| 64% below US avg |
| Zillow ZHVI | $190,958 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 76.0% |
| Owner-Occupied | 76.0% |
| Renter-Occupied | 24.0% |
| Housing Units | 78 |
| Median Year Built | 1943 |
Property Tax
| Avg Tax (IRS) | $3,010 |
| 14% below US avg |
| Effective Rate | 2.94% |
In Germantown, 31.0% of adults are obese, below the national rate of 32.1%. 10.6% have diabetes. Heart disease affects 6.7% of residents, above the national average. 34.8% have high blood pressure. 20.7% are current smokers (above the 14.0% national rate). 18.5% report binge drinking. 29.9% are physically inactive, above the national average. 14.3% experience frequent mental distress. The primary care physician ratio is 1:1,881. The dentist ratio is 1:1,209. 65.2% of residents have access to exercise opportunities. The food environment index is 7.1 out of 10.
Health Metrics: Germantown vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.0% |
| 3% below US avg |
| Diabetes | 10.6% |
| Heart Disease | 6.7% |
| High Blood Pressure | 34.8% |
| Asthma | 10.2% |
| COPD | 8.4% |
| Cancer | 6.4% |
| Kidney Disease | 3.0% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 20.7% |
| 48% above US avg |
| Binge Drinking | 18.5% |
| Physical Inactivity | 29.9% |
| Mental Distress | 14.3% |
| Physical Distress | 13.7% |
| Short Sleep | 39.2% |
Healthcare Access
| Insurance Rate | 97.0% |
| |
| Primary Care | 1:1,881 |
| Dentists | 1:1,209 |
| Mental Health | 1:203 |
| Checkup Rate | 71.9% |
| Dental Visits | 65.4% |
| Premature Death | 12,340/100K |
Food & Exercise
| Food Environment | 7.1/10 |
| Exercise Access | 65.2% |
| Healthcare Facilities | 59 |
Germantown has a violent crime rate of 170 per 100,000 residents, 55% below the national average of 380. Property crime stands at 2,464 per 100,000, 26% above the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Germantown receives a safety grade of F.
Crime Rates: Germantown vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 169.9/100K |
| 55% below US avg |
| |
Property Crime
| Total Property | 2,463.9/100K |
| 26% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Traffic Accidents | 4 |
| Avg Accident Severity | 3.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Germantown experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 32°F in January while summers reach 76°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 48.3 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 946 feet.
Temperature
32°F Jan (0°C)
76°F Jul (24°C)
| Annual Average | 54.7°F |
| 1% above US avg |
| January Average | 32°F (0°C) |
| July Average | 76°F (24°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 946 ft (288 m) |
| Area | 0.1 sq mi (0.3 km²) |
| Population Density | 1,867/sq mi |
| Coordinates | 38.6559°N, 83.9642°W |
| Timezone | America/New_York |
| County | Mason County County |
| Nearest Airport | Cincinnati/Northern Kentucky International (CVG)
47 miles away |
Precipitation & Snow
Annual Rainfall
48.3"
27% above US avg
Wettest Month (May)
4.69"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 39.2 / 100 |
| Social Vulnerability | 71.0 / 100 |
| Community Resilience | 77.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
20 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M2.8 on May 11, 2025.
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
67 km |
| Apr 24, 2009 |
7 km ENE of Rio Grande, Ohio |
M3.4 |
147 km |
| May 24, 2017 |
1 km S of McArthur, Ohio |
M3.4 |
144 km |
| Sep 8, 1990 |
5 km N of Owingsville, Kentucky |
M3.3 |
54 km |
| Feb 3, 2025 |
2 km NNW of Oak Hill, Ohio |
M3.1 |
123 km |
| Apr 25, 2020 |
2 km SE of South Shore, Kentucky |
M2.9 |
90 km |
| Aug 20, 2015 |
6 km SE of Lawrenceburg, Kentucky |
M2.8 |
106 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
16 km |
| May 11, 2025 |
11 km SE of High Bridge, Kentucky |
M2.8 |
115 km |
| Jan 12, 2023 |
4 km E of Burgin, Kentucky |
M2.6 |
120 km |
| Aug 4, 2023 |
11 km ENE of Lancaster, Kentucky |
M2.6 |
118 km |
| May 11, 2015 |
5 km ESE of Maysville, Kentucky |
M2.6 |
25 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
6 km |
| Feb 11, 2015 |
8 km SE of Richmond Dale, Ohio |
M2.6 |
120 km |
| Mar 8, 2016 |
0 km N of Thurman, Ohio |
M2.6 |
135 km |
| Jan 21, 2018 |
8 km SSE of High Bridge, Kentucky |
M2.6 |
117 km |
| Jan 28, 2024 |
3 km SW of Old Washington, Kentucky |
M2.5 |
13 km |
| Sep 27, 2009 |
22 km NNW of Hindman, Kentucky |
M2.5 |
148 km |
| Jan 4, 1999 |
9 km WNW of Mount Sterling, Kentucky |
M2.5 |
65 km |
| Mar 20, 2023 |
13 km SSW of Rio Grande, Ohio |
M2.5 |
134 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
360 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 44 fatalities, 1,423 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
87 km |
3 |
| Mar 2, 2012 |
EF4 |
60 km |
4 |
| Apr 9, 1999 |
EF4 |
73 km |
4 |
| Nov 22, 1992 |
EF4 |
96 km |
1 |
| Apr 3, 1974 |
EF4 |
73 km |
2 |
| Apr 23, 1968 |
EF4 |
56 km |
1 |
| Apr 23, 1968 |
EF4 |
35 km |
6 |
| Mar 2, 2012 |
EF3 |
89 km |
10 |
| Mar 2, 2012 |
EF3 |
39 km |
3 |
| May 27, 2004 |
EF3 |
81 km |
0 |
| May 10, 2003 |
EF3 |
22 km |
0 |
| Jul 2, 1997 |
EF3 |
29 km |
0 |
| Jun 30, 1993 |
EF3 |
67 km |
0 |
| Oct 1, 1977 |
EF3 |
90 km |
0 |
| Apr 3, 1974 |
EF3 |
54 km |
0 |
| Apr 3, 1974 |
EF3 |
76 km |
0 |
| Apr 3, 1974 |
EF3 |
37 km |
1 |
| Apr 23, 1970 |
EF3 |
74 km |
0 |
| Aug 9, 1969 |
EF3 |
79 km |
4 |
| Apr 23, 1968 |
EF3 |
88 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
6 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (3,259 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
UNNAMED |
3,259 |
64 km |
| 1987 |
UNNAMED |
1,683 |
99 km |
| 2010 |
FISH TRAP COMPLEX |
1,430 |
95 km |
| 1999 |
AUXIER RIDGE |
1,160 |
97 km |
| 2003 |
PEACH ORCHARD |
1,043 |
79 km |
| 1999 |
UNNAMED |
528 |
95 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
32°F (0°C) |
2.8 in |
Coldest, Driest |
| February |
33°F (0°C) |
3.0 in |
|
| March |
43°F (6°C) |
4.3 in |
|
| April |
52°F (11°C) |
4.0 in |
|
| May |
62°F (17°C) |
4.7 in |
Wettest |
| June |
70°F (21°C) |
3.8 in |
|
| July |
76°F (24°C) |
4.6 in |
Warmest |
| August |
73°F (23°C) |
4.0 in |
|
| September |
67°F (19°C) |
3.4 in |
|
| October |
55°F (13°C) |
2.9 in |
|
| November |
44°F (7°C) |
3.5 in |
|
| December |
35°F (2°C) |
3.6 in |
|
Germantown has a seasonal temperature swing of 44°F / from 32°F in January to 76°F in July. Total annual precipitation is 44.6 inches, with May being the wettest month (4.7") and January the driest (2.8").
Average costs for common services in Germantown. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $465 |
| Toddler | $464 |
| Preschool | $464 |
| Family Childcare (monthly) |
| Infant | $359 |
| Toddler | $359 |
| Preschool | $359 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Germantown
What is the population of Germantown?
Germantown has a population of 224 residents and is located in Kentucky. The population density is 1,867 people per square mile, spread across 0.1 square miles. The median age of residents is 33.2 years, which is younger than the national median of 38.9 years. The population is 43.8% female and 56.3% male.
Is Germantown expensive to live in?
Germantown is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $86,250, 15% above the national average of $75,149. The median home value is $102,300 (64% below the U.S. median). The home price-to-income ratio is 1.2x, indicating housing is reasonably affordable relative to local income levels.
Is Germantown safe?
Germantown is safer than the national average, with a violent crime rate of 170 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,464 per 100,000 (above the national average). Overall, Germantown receives a safety grade of F based on combined crime data.
What is the weather like in Germantown?
Germantown has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 32°F in January, while summers reach an average of 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 48.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Germantown?
The job market in Germantown is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $964. There are 717 business establishments in the area, including 49 restaurants and food service locations. The average commute time is 26 minutes, and 16.4% of workers work from home.
How much does housing cost in Germantown?
The median home value in Germantown is $102,300. Zillow estimates the typical home value at $190,958. The homeownership rate is 76.0%. The average annual property tax is $3,010.
How are the schools in Germantown?
Schools in Germantown score 5.5 out of 10 on standardized testing, near the national average. 27.7% of adults in Germantown hold a bachelor's degree or higher, below the national average of 33.7%. 95.0% have completed high school. 14.5% hold a graduate or professional degree.
How healthy is Germantown?
The obesity rate in Germantown is 31.0% (below the national rate of 32.1%). 20.7% of adults are smokers. 29.9% are physically inactive. 65.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,881.
What is transportation like in Germantown?
The average commute in Germantown is 26 minutes. 78.5% of workers drive alone to work, and 16.4% work from home.
What are the demographics of Germantown?
The racial and ethnic makeup of Germantown is 100% White. 91.7% of residents speak only English at home, while 8.3% speak Spanish. 4.0% of the population are military veterans. 0.4% of residents have a disability. 97.0% have health insurance coverage.
All Countries
