Best PlacesGermantown, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Germantown, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
Germantown ranks 4,424th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and air quality ranks lowest.
The best neighborhoods in Germantown
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Germantown's strengths and weaknesses
Where Germantown ranks high
- Cheap car insuranceBetter than 98% of towns
- Voter turnoutBetter than 95% of towns
- Low vacancyBetter than 93% of towns
- School gradeA−, better than 89% of towns
- Disaster safetyBetter than 88% of towns
Where Germantown ranks low
- Air qualityBetter than only 9% of towns
- Cheap childcare$1,273 a month, better than only 11% of towns
- Nice weatherabout 63 pleasant days a year, better than only 13% of towns
- Low property taxBetter than only 15% of towns
- State fiscal healthBetter than only 32% of towns
What it costs to buy a home in Germantown
A household needs to earn about $63,000 a year to comfortably buy the median Germantown home, at 20% down and today's 30-year rate. That is below the area's own median income of $98,442, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Germantown's effective rate of 1.33%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 9 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Germantown
Germantown's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Germantown.
Who works in Germantown, and how
Work in Germantown centers on health care & social and manufacturing. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 82%
- Work from home 14%
- Transit, walk, or bike 4%
Life in Germantown
Germantown has more restaurants and bars per resident than 67% of towns. That concentrates in some parts of Germantown and thins out in others, which the map shows.
What the weather is like in Germantown, month by month
Germantown sees roughly 63 pleasant days a year. July highs average about 86 degrees. January highs sit near 40, with lows near 24. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 40° | 31° | 24° |
| April | 67° | 53° | 42° |
| July | 86° | 75° | 66° |
| October | 69° | 57° | 46° |
Flying in and out of Germantown
The nearest airport, James M Cox Dayton International, is about 21 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 43 miles away.
The best schools in and around Germantown
Schools across Germantown average an A−, better than 89% of towns.
Top elementary schools
- Madison Elementary SchoolA · 65% proficient
- Valley View Primary SchoolA− · 58% proficient
- Bear Elementary SchoolB · 50% proficient
Top middle schools
- Valley View Intermediate SchoolA · 65% proficient
- Valley View Junior High SchoolA · 64% proficient
- Twin Valley South Middle SchoolA · 60% proficient
Top high schools
- Valley View High SchoolA− · 67% proficient
- Miamisburg High SchoolA− · 60% proficient
- Madison High SchoolB+ · 58% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Germantown school and its grade on SchoolGrade.
Germantown measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Germantown against the other 50,332 towns.
Common questions about living in Germantown
Is Germantown a good place to live?
Using BestNeighborhood's default rankings, Germantown ranks 4,424th of 50,333 towns. It scores highest on cheap car insurance, civic engagement, and few empty homes, and lowest on air quality and childcare costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Germantown expensive to live in?
The median home is worth $226,203. The overall cost of living runs about 8% below the national average. Set against a $98,442 median income, cost of living beats 82% of towns.
Is Germantown safe?
Yes, Germantown is safer than 68% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $225 per resident a year.
Compare Germantown with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Germantown. Scores are absolute rather than ranked, which means a 60 in Germantown represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Germantown detail on BestNeighborhood maps:
- Walk Grade for Germantown: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Germantown: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Germantown: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Germantown: carrier by carrier coverage behind the cell score.
Germantown detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.