Germantown, Illinois.
Typical home $256,094 (+7.8% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$741 (+123%) since Jan 2020.
- 1 year
- Up $18,449 +8%
- $237,646$256,094 since Sep 2025
- 5 years
- Up $68,346 +36%
- $187,748$256,094 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Germantown$1,344
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Germantown, IL rose 7.8% over the past year — faster than the nation's +1.2%.
Living in Germantown, Clinton County, Illinois
Germantown is a village of 1,324 people in Clinton County. Half its households earn more than $92,083 a year and half less, against $86,588 across Clinton County; 5% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Clinton County was 2.7% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Germantown is a small village in Clinton County, Illinois, with a population that skews a little older than the typical American community. Most homes are lived in by their owners, and household incomes run above the county's, with relatively few residents living below the poverty line. Winters are cold, with January highs staying near freezing, and summers turn properly hot by July; rain and melted snow are steady through the year.
Work. Residents work mainly in schools, hospitals and social care, followed by manufacturing, banks, insurance and property, and the building trades. Across Clinton County, some of the largest workplaces are Centralia Correctional Center, Kaskaskia College and St. Josephs Hospital. Unemployment in the county has eased over the past year, and the county has added jobs. Commutes are on the longer side, and a modest share of people work from home.
Things to do. Shoal Creek and Crooked Creek are small rivers a short drive away and suit a quiet hour by the water. Farther afield, Carlyle Lake is a large reservoir a longer drive away, and South Shore State Park is a protected area for those willing to go a bit further. For history, Cahokia is a well-known archaeological site, also a longer drive away.
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- 591households
- 27%of adults have a degree
- 5%below the poverty line
- 28 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Clinton County had 12,725 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 22°; warmest in July, with highs near 88° and lows near 68°. About 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Carlyle Rsvr weather station, 11 miles away (NOAA).
Largest workplaces in Clinton County
- Centralia Correctional CenterCorrectional institutions461
- WalmartWarehouse clubs and supercenters325
- Kaskaskia CollegeTwo-year college307
- WalmartWarehouse clubs and supercenters212
- Poettker Construction CompanyAddition, alteration and renovation general contractors, commercial and institutional building200
- St. Josephs HospitalGeneral hospital184FTE
- Southern Illinois Living Center, Inc, & Southern Illinois Community Support Services179
- Carlyle CUSD 1School district163FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 39 workplaces with 20 or more staff, 3,371 people in all across the county; Germantown has one of its own. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- EarthquakesRelatively moderate
- HailRelatively moderate
- Heat wavesRelatively moderate
- Cold wavesRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Germantown’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clinton County and the St. Louis, MO-IL metro.
Germantown home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Germantown$256,094
- Illinois$295,943
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Germantown address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Germantown — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.