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Place dossier plate
SheetTN-GERMANTOWN-TN · Germantown, TN 40,812 pop · income 93rd pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Germantown
Lowest/highest poles plus peers nearest Germantown on median household income. Full ladder: /browse and /rankings.
median HH income
Cookeville · lowest
48,501
Cookeville · lowest
48,501 median HH income
26.3% of the leader · rank #1
Konterra · near
144,750
Konterra · near
144,750 median HH income
78.4% of the leader · rank #2
Germantown · this city
144,799
Germantown · this city
144,799 median HH income
78.4% of the leader · rank #3
Ostrander · near
144,821
Ostrander · near
144,821 median HH income
78.4% of the leader · rank #4
Normandy Park · near
144,821
Normandy Park · near
144,821 median HH income
78.4% of the leader · rank #5
Myersville · near
144,840
Myersville · near
144,840 median HH income
78.4% of the leader · rank #6
Brentwood · highest
184,720
Brentwood · highest
184,720 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Germantown on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 40,812.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Germantown - the verdict
Out of every US city with 1,000+ residents, Germantown places in the 93rd percentile for household income and the 51st percentile for safety. Source: Census ACS + FBI UCR.
93rd
percentile, household income
81st
percentile, home value
34th
percentile, median rent
51st
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Germantown, TN
Tennessee's Germantown is a small city, with 40,812 residents per the latest Census Bureau ACS figures. The typical household in Germantown brings in $144,799 a year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 1.7%. Home values in Germantown run a median of $441,200, and the median resident age is 43.9 years. 71.2% of adults here have a bachelor's degree or higher; 59.6% of working-age residents are in the labor force.
Germantown reports a comparatively low crime rate: FBI UCR reporting places total crime at 1344.6 incidents per 100,000 residents, below the national average (voluntary agency reporting, reflects reporting activity, not a definitive danger score). The annual average temperature per NOAA climate normals runs 62.2°F with 55.2 inches of precipitation per year and 2.1 inches of snowfall.
Living costs in Tennessee run below the national norm: the state registers 91.9 on a 100-equals-national-average index (Well Below Average) per BEA Regional Price Parities 2024. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $1,118 monthly. Statewide, average monthly utility bills in Tennessee run around $218, per EIA 2023 residential energy data. Natural-hazard exposure scores 52.5 out of 100 on FEMA's National Risk Index (Low).
A decision-led reading path
Useful questions to ask of Germantown's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from schools and households to housing and income to reported crime to climate and hazard context to population change to comparison shortlist to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Germantown, city-specific coverage includes FBI reported-crime rates, matched public-school count, annual population history, commute-mode shares.
No matched row is reported here for within-city Census tract profiles, local building permits; the page leaves those layers out instead of substituting a statewide or national value.
1. Schools and households
What does the education layer cover for Germantown?
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
The NCES join finds 11 public schools within the city match. 71.2% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
How far does income reach against housing in Germantown?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.
The home-value-to-income reference sits in a middle range: the ACS median home value is 3.0 times median household income. The ACS poverty estimate is 1.7%, which keeps the citywide median from describing every household.
What can the FBI record say about safety in Germantown?
The joined FBI UCR record reports 1344.6 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 41% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
Which cities make useful reference points for Germantown?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
Within Tennessee, the closest population matches are Mount Juliet (40,828 residents, $107,847 income); Lebanon (41,951 residents, $71,320 income); La Vergne (38,944 residents, $80,418 income). Outside the state, the closest population matches in this dataset are Friendswood, TX (40,827 residents); Lancaster, TX (40,753 residents); Annapolis, MD (40,744 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Climate and hazard context
What physical conditions frame life in Germantown?
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
NOAA normals put the annual mean temperature at 62.2°F, with 55.2 inches of precipitation and 2.1 inches of annual snowfall. FEMA's state-averaged National Risk Index score for Tennessee is 52.5 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
FEMA risk index (state avg)
52.5
Annual precipitation
55.2 in
Mean temperature
62.2°F
NOAA Climate Normals and FEMA National Risk Index (state-averaged on PlainCities). Hazard context is not address-level.
Is Germantown growing, shrinking, or holding steady?
Census PEP estimates show the population declined by -1,260 residents from 2020 to 2025, a -3.1% change. No comparable local building-permit series is available here, so population change should not be read as a housing-supply measure. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point downward. A falling count can reflect migration, household size, annexation boundaries, or estimation noise, so it is a prompt to inspect the full series rather than a claim about local economic health.
2020 estimate
41,261
2025 estimate
40,001
Period change
-3.1%
Census Population Estimates Program, 2020–2025; permit context uses Census BPS.
What does the journey to work look like in Germantown?
Driving alone is the largest reported mode at 76.1%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
Drive alone
76.1%
Work from home
16.8%
Public transit
0.1%
City-level Census ACS commuting estimates covering 18,498 workers age 16+.
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share A+
71.2%
Adults with a bachelor's degree or higher; ACS.
Household income A+
$144,799
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate A
1.7%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living B+
91.9 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Violent crime C-
168 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Germantown profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 98/100 (A+) · 71.2%
Household income: 95/100 (A+) · $144,799
Poverty rate: 88/100 (A) · 1.7%
Cost of living: 78/100 (B+) · 91.9 index
Violent crime: 54/100 (C-) · 168 /100k
Where Germantown sits on home value vs crime among peer cities
Germantown's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Germantown highlighted among 12 peers.Read the chart values
Germantown, TN (this city): home $441,200, crime 1,345/100k
Friendswood, TX : home $399,500, crime 645/100k
Lancaster, TX : home $229,900, crime 3,537/100k
Annapolis, MD : home $510,200, crime 2,903/100k
Covington, KY : home $167,900, crime 1,923/100k
Lancaster, OH : home $180,200, crime 2,531/100k
Mount Juliet, TN : home $423,000, crime 1,124/100k
Lebanon, TN : home $359,300, crime 1,378/100k
La Vergne, TN : home $273,700, crime 2,311/100k
Columbia, TN : home $261,700, crime 3,060/100k
Brentwood, TN : home $926,700, crime 788/100k
Cookeville, TN : home $263,800, crime 1,955/100k
How does Germantown compare to other US cities?
Germantown measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.
Household income93% higher than other cities
Home value81% pricier than other cities
Median rent34% pricier than other cities
Safety51% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
National percentiles can mask local variation. Looking only at Tennessee, Germantown ranks #76 of 174 Tennessee cities by lowest crime rate - a narrower, more locally useful cut than the national comparison above.
How we calculate these percentiles & ranks
Each percentile compares Germantown against every qualifying US city; each in-state rank narrows that to Tennessee only. Full formula and direction notes: methodology.
Tennessee-relative analysis
Median Gross Rent places Germantown near the bottom of Tennessee's cities
Among the 482 Tennessee cities PlainCities tracks with reported median gross rent data, Germantown ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Germantown only against its own state's cities, not the full US field.
Median Household Income
#9 of 458
98th percentile in Tennessee
Median Gross Rent
#1 of 482
0th percentile in Tennessee
Median Home Value
#29 of 455
94th percentile in Tennessee
Poverty Rate
#406 of 482
15th percentile in Tennessee
Bachelor's Degree or Higher
#11 of 482
98th percentile in Tennessee
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Tennessee only, not a livability score. See the methodology for the source and calculation.
Gauge source note
93rd percentile nationally for median household income · 51st percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Germantown's profile vs. every US city
Income, affordability, and safety percentile
Germantown's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Germantown's home value compares nationally
Median home value vs. every US city (population 1,000+)
$441,20019th percentilemore affordable than 19% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Germantown's home-value-to-income ratio: 3.0×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#6,926 of 15,516
More affordable than 55% of tracked cities (pop. 1,000+)
Size class
#971 of 3,317
Small cities (10,000–49,999)
At 3.0×, Germantown sits in the moderate band:
national rank #6,926 of 15,516 and #971 of 3,317small cities (10,000–49,999).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$144,799Germantown, TN median household income (Census ACS)
Show U.S. national quintile / Lorenz context Germantown, TN median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Germantown, TN.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)71.2%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)1.7%
Census ACS S1701, poverty status
Labor force participation (adults 16+)59.6%
Census ACS S2301, share of working-age residents in the labor force
Population
40,812
Median Income
$144,799
Median Home Value
$441,200
Median Age
43.9
Poverty Rate
1.7%
Labor force participation
59.6%
Bachelor's Degree+
71.2%
Safety & Crime
Total Crime Rate
1344.6
per 100,000 residents
Violent Crime
167.8
per 100,000 residents
Property Crime
1176.8
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Climate
Avg Temperature
62.2°F
Annual Precipitation
55.2"
Annual Snowfall
2.1"
Schools
Total Schools
11
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Germantown's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
41,261 residents
2021
40,930 residents
2022
40,690 residents
2023
40,512 residents
2024
40,351 residents
2025
40,001 residents
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
76.1%
Carpool
6.2%
Public Transit
0.1%
Walk
0.3%
Work from Home
16.8%
Based on 18,498 workers 16 and over.
Monthly Utility Costs
Tennessee statewide monthly utility average (EIA 2023): $218
EIA 2023 residential energy data puts average monthly utilities across Tennessee at $218 (electricity about $120 , water and sewer about $40 ).
These are Tennessee statewide averages, not a meter reading for Germantown. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Tennessee's BEA cost-of-living index is 91.9 (Well Below Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Germantown is $1,118/mo. FEMA's National Risk Index, averaged to Tennessee statewide on PlainCities, rates natural-hazard exposure at 52.5 / 100 (Low).
Cost/risk geography note
Cost of living is a Tennessee statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Germantown sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Germantown compares to similar-size Tennessee cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NOAA Climate Normals, NCES CCD, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.