Germantown, Ohio.
Typical home $268,044 (+4.0% in a year). Dayton-Kettering, OH metro.
Property tax and schools in Germantown
Germantown’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Germantown is in Montgomery County, where its property tax is set. Its homes there are in the Valley View Local school district. Check your own bill.
to buy the typical home at today's mortgage rate — +$797 (+131%) since Jan 2020.
- 1 year
- Up $10,266 +4%
- $257,777$268,044 since Sep 2025
- 5 years
- Up $70,654 +36%
- $197,390$268,044 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$1,407
- Ohio$1,291
- 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, OH rose 4.0% over the past year — faster than the nation's +1.2%.
Living in Germantown, Montgomery County, Ohio
Germantown is a city of 5,796 people in Montgomery County. Half its households earn more than $90,125 a year and half less, against $66,139 across Montgomery County; 8% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Montgomery County was 3.9% in August 2026, and the county had 0.7% 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 It can be wrong or out of date.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 city in Montgomery County where most homes are lived in by their owners, and the share of homeowners is well above what you find in many places. Household incomes run higher than across the county, and the population is a little older than the typical American town. Winters are cold, with January the coldest month, and summers are warm in July, with a fair amount of rain and melted snow through the year.
Work. Many residents work in schools, hospitals and social care, with manufacturing, professional and business services, and the building trades also employing a good number. Among the largest workplaces in Germantown are Valley View Local Schools, The Dupps Company, which makes food-processing equipment, and the supermarket Fresh Encounter. Fewer adults hold a four-year degree than in many towns, and a modest number work from home.
Things to do. The closest places are a short drive away: Cox Arboretum and Gardens MetroPark, a botanical garden, and SunWatch Indian Village, a museum. A longer drive brings you to the National Museum of the United States Air Force, one of the best known museums of its kind, and to Kings Island, an amusement park.
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- 2,300households
- 28%of adults have a degree
- 8%below the poverty line
- 24 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Montgomery County had 251,925 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 20°; warmest in July, with highs near 86° and lows near 64°. About 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Franklin weather station, 6 miles away (NOAA).
Largest workplaces in Germantown
- Valley View Local SchoolsSchool district357FTE
- The Dupps CompanyMeat grinders, food-type, manufacturing220
- First Student42
- FIRST STUDENT-MANAGEMENT LLC-Valley ViewSchool bus services40
- Fresh EncounterSupermarkets33
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 335 people in all. School districts come 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
- Inland floodingRelatively high
- Ice stormsRelatively moderate
- HailRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively 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 Montgomery County and the Dayton-Kettering, OH 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$268,044
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 Germantown listings — the market is roughly in balance.
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.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Germantown38.06%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Germantown28
New listings per month
Sellers arriving at the market.
- Germantown11
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.