Cost of Living in Germantown, OH
Population 5,796 · Ohio · Data vintage 2023
(100 = US avg)
Buyers in Germantown can reasonably expect a home to cost less than three years of household income — $187,000 against $84,307 in typical earnings — a ratio that has collapsed to 5:1 or worse in much of the country. At 6.5%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Germantown sits roughly 14 miles southwest of Dayton — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 101% higher than Dayton's $93,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Germantown
The median home value in Germantown is $186,900 — 39% below the national median of $305,000. Median rent runs $937/month, 29% lower than the national median of $1,314/month. The median household income of $84,307/year is 13% higher than the US median of $74,580. The local unemployment rate is 6.5%, above the national average of 4.8%. Ohio's top state income tax rate is 3.8% and the combined sales tax is 7.2%. The climate averages highs of 64.2°F and lows of 44.0°F. Overall, Germantown has a cost of living index of 65 versus the US average of 100, meaning it is 35% less expensive.
Germantown has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 39 | 43 | 53 | 65 | 75 | 83 | 86 | 85 | 79 | 67 | 54 | 43 |
| Low °F | 22 | 25 | 33 | 43 | 53 | 62 | 65 | 63 | 56 | 45 | 35 | 27 |
| Precip" | 2.91 | 2.33 | 3.48 | 4.37 | 4.21 | 4.90 | 3.63 | 2.81 | 2.97 | 3.02 | 3.13 | 3.21 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Germantown, OH?
Germantown has a cost index of 65 (100 = national average). It is 35% below the national average.
What is average rent in Germantown, OH?
The median gross rent in Germantown is $937 per month based on 2023 Census data.
What is the average home price in Germantown?
The median home value in Germantown is $186,900 according to Zillow and Census data.
What is the median income in Germantown?
The median household income in Germantown is $84,307 per year (2023 ACS 5-year estimates).
What is the sales tax in Germantown, OH?
The combined state and local sales tax rate in Germantown is 7.2%. The Ohio state income tax top rate is 3.8%.
Is Germantown, OH affordable?
Yes, Germantown is generally considered affordable, with a cost of living index of 65 — about 35% below the US national average of 100.
What is the weather like in Germantown?
Germantown has average high temperatures of 64.2°F and average lows of 44.0°F. Annual precipitation is 41". Data from NOAA 1991–2020 Climate Normals.
Germantown at a Glance
- Population
- 5,796
- Median Income
- $84,307
- Home Value
- $186,900
- Median Rent
- $937/mo
- Unemployment
- 6.5%
- Avg High Temp
- 64.2°F
- Sales Tax
- 7.2%
Nearby Cities
Explore county-level cost of living data
Ohio Rankings
Similar Cost Cities
Cities in other states with comparable housing costs