© OpenMapTiles © OpenStreetMap
Living in
Germantown.
About
Life in Germantown
If you're considering moving to Germantown, understand you're choosing a prosperous, well-managed suburb rather than an urban center. The median home price hovers around $471,000-$486,000, and household incomes average $149,920—this is an affluent community, and it shows in maintained properties and strong municipal services like police response times under three minutes. The schools are genuinely excellent: Germantown High School is a Blue Ribbon International Baccalaureate school, and Houston High School was rated by The Washington Post as one of America's most challenging.
Germantown at a Glance
Population, income, housing and more
Median Age
44.3 yrs
Poverty Rate
2.7%
Foreign-Born
8.3%
Broadband Internet
94.9%
of households
Population Growth
-3.2%
recent change · Census Bureau
Median household income
Demographics8.3% foreign-born, most often from India
Who lives in Germantown: race and ethnicity, ages, households, languages and countries of origin
In Germantown, the largest foreign-born group is from India (20.9%), and 1.8% of residents speak Spanish at home.
Under 18
26.8%
of residents
65 and Older
24.2%
of residents
Households with Kids
34.6%
anyone under 18
Living Alone
23.3%
of households
Married Couples
67.0%
of households
Avg Household Size
2.60
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 53% above TN average
Rent, home values, and income in Germantown
In Germantown, rent runs 53% above the TN average, and home values are 64% above the TN average.
Median rent (per month)
Median home value
Rent Burdened
48.2%
spending 30%+ of income on rent
Severely Rent Burdened
29.7%
spending 50%+
Cost of Living Index
92.2
metro area (BEA) · US avg = 100
Median Property Tax
$4,786
per year, owner-occupied homes
Homeowners
86.7%
of occupied homes are owned
Typical Home Built
1983
median year built
Vacant Homes
3.3%
of housing units
Home Value Trend
Latest: $480,889 (September 2026)
Jobs & Economyunemployment 0.4 pts below TN average
Unemployment in Germantown and typical pay across the metro area
Unemployment in Germantown is 0.4 percentage points lower than the TN average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Germantown Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Memphis, TN-MS-AR metro area
Commute22.1 min avg
How Germantown residents get to work, and the nearest airports
In Germantown, most residents drive alone to work (72%), and 71% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 10 mi
Frederick W. Smith International Airport (MEM)
Small hub2.4M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 62% below national average
Crime rates for 2025
Violent crime in Germantown runs 62% below the national average.
Violent Crime Rate
125.5
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
1,234.7
per 100,000 residents
Below average (1,552 national, 2025)
Germantown Police Department
Natural DisastersThunderstorm Wind most common — 43 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively High
99.4 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Shelby County, county-wide · FEMA NRI December 2025
In Shelby County, which includes Germantown, the most common type is thunderstorm wind, with 43 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 43 | Heat | $191,500 |
| 2024 | 28 | Thunderstorm Wind | $240,000 |
| 2023 | 45 | Thunderstorm Wind | $6.1M |
| 2022 | 28 | Heat | $21,000 |
| 2021 | 23 | Flash Flood | $319,000 |
| 2020 | 14 | Thunderstorm Wind | $174,000 |
| 2019 | 25 | Thunderstorm Wind | $3.3M |
| 2018 | 26 | Thunderstorm Wind | $321,500 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
7 earthquakes of magnitude 2.5+ within 100 miles in the past year
Shelby County, county-wide
Germantown is about 4% of Shelby County’s population, so county-wide figures may differ from local conditions.
Air Quality47 median AQI — Good
Days by air quality category (2025)
Air quality in Shelby County, which includes Germantown, is typically good — 220 good-air days per year.
Median AQI
47
Good Days
220
per year
Moderate Days
140
per year
Unhealthy Days
0
per year
Shelby County, county-wide
Germantown is about 4% of Shelby County’s population, so county-wide figures may differ from local conditions.
Climate91°F summers, 33°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Germantown has hot summers (avg high 91°F) and mild winters (avg low 33°F).
Spring (Mar–May)
73°/51°F
avg high / low
Summer (Jun–Aug)
91°/71°F
avg high / low
Fall (Sep–Nov)
74°/51°F
avg high / low
Winter (Dec–Feb)
53°/33°F
avg high / low
Annual Precipitation
55.2"
Annual Snowfall
2.1"
Hot Days/Year
78
days above 90°F
Freeze Days/Year
66
days below 32°F
Rainy Days/Year
115
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 50°F | 31°F | 4.32" |
| Feb | 55°F | 34°F | 4.65" |
| Mar | 64°F | 42°F | 5.56" |
| Apr | 74°F | 51°F | 5.88" |
| May | 82°F | 61°F | 5.31" |
| Jun | 89°F | 69°F | 4.73" |
| Jul | 92°F | 73°F | 4.20" |
| Aug | 91°F | 71°F | 3.65" |
| Sep | 85°F | 63°F | 3.26" |
| Oct | 75°F | 50°F | 4.01" |
| Nov | 63°F | 41°F | 4.46" |
| Dec | 53°F | 34°F | 5.17" |
Healthcare1 hospital
Hospitals, ratings, and health insurance in Germantown
Germantown has 1 hospital.
Hospitals
1
within city limits
Uninsured
2.4%
of residents
Crestwyn Behavioral Health
Psychiatric · ER available
Nearby hospitals · within 15 miles
St Francis Hospital
Acute Care Hospitals · ER available · 4.8 mi away · Memphis
Baptist Memorial Hospital
Acute Care Hospitals · ER available · 5.5 mi away · Memphis
Delta Specialty Hospital
Acute Care Hospitals · ER available · 8.5 mi away · Memphis
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education15.4:1 student/teacher ratio
Schools and degree attainment in Germantown
Germantown's student/teacher ratio is 15.4:1 (lower than the national average of 16:1), and 71.9% of adults 25+ hold a bachelor's degree or higher.
Public Schools
10
within city limits
Private Schools
7
within city limits
College Degree Rate
71.9%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
15.4:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges Near Germantown (within 15 miles)
Public · 4-year · 12,701 students · in-state tuition $11,256 · 53% graduate · median earnings $52,227 (10 yrs after entry)
Southwest Tennessee Community College
7.2 mi awayPublic · 2-year · 5,047 students · in-state tuition $5,217 · 20% graduate · median earnings $38,117 (10 yrs after entry)
Private nonprofit · 4-year · 1,836 students · in-state tuition $59,082 · 82% graduate · median earnings $79,506 (10 yrs after entry)
Private for-profit · 4-year · 1,784 students · in-state tuition $13,920 · 12% graduate · median earnings $44,016 (10 yrs after entry)
Private nonprofit · 4-year · 905 students · in-state tuition $39,750 · 59% graduate · median earnings $55,642 (10 yrs after entry)
Baptist Health Sciences University
14.4 mi awayPrivate nonprofit · 4-year · 770 students · in-state tuition $14,036 · 49% graduate · median earnings $70,235 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Trail Of Tears National Historic Trail, 67 mi
Nearby national parks, recreation areas and public libraries for Germantown
Germantown has 7 nearby national parks or recreation areas, closest being Trail Of Tears National Historic Trail (67 mi away).
Nearby National Parks & Recreation Areas
Trail Of Tears National Historic Trail
National Historic Trail
67 mi awayBrices Cross Roads National Battlefield Site
National Battlefield Site
72 mi awayNatchez Trace National Scenic Trail
National Scenic Trail
80 mi awayShiloh National Military Park
National Military Park
81 mi awayTupelo National Battlefield
National Battlefield
82 mi awayEmmett Till and Mamie Till-Mobley National Monument
National Monument
84 mi awayNatchez Trace Parkway
Parkway
100 mi awayPublic Libraries in Germantown
Germantown Community Library
1925 Exeter Road, Germantown
Germantown Regional History And Genealogy Center
7779 Poplar Pike, Germantown
Cities Near Germantown
The closest cities within 60 miles
Planning a move to Germantown?
Read our full moving guide — what it's really like to live here.
Germantown FAQ
Is Germantown, Tennessee affordable?⌄
Germantown's median rent is $1,816/month, which is above the national average. The median household income is $149,920/year. Median home value is $470,800.
Is Germantown, Tennessee safe?⌄
Germantown's violent crime rate was 126 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 1235 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Germantown, Tennessee?⌄
Germantown has an unemployment rate of 3.1%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in Germantown, Tennessee?⌄
The cost of living in Germantown is primarily driven by housing. Median rent is $1,816/month and median household income is $149,920/year. The median home value is $470,800. About 48% of renters spend more than 30% of their income on housing.
How is the commute in Germantown, Tennessee?⌄
The average commute in Germantown is 22 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from