Saint Germain, Wisconsin.
Typical home $389,895 (+5.9% in a year).
to buy the typical home at today's mortgage rate — +$1,046 (+105%) since Jan 2020.
- 1 year
- Up $21,652 +6%
- $368,243$389,895 since Sep 2025
- 5 years
- Up $71,426 +22%
- $318,469$389,895 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.
- Saint Germain$2,046
- Wisconsin$1,770
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Saint Germain, WI rose 5.9% over the past year — faster than the nation's +1.2%.
Living in Saint Germain, Vilas County, Wisconsin
Saint Germain is a town of 2,083 people in Vilas County. Half its households earn more than $62,875 a year and half less, against $68,431 across Vilas County; 10% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% are rented. Unemployment in Vilas County was 3.5% in August 2026, and the county had 1.6% more jobs in 2025 than the year before. The most residents work in construction, then schools and health care.
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 It can be wrong or out of date.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. Saint Germain is a small town in Vilas County, Wisconsin, where the people who live here are older than in most of the country. Nearly all homes are lived in by their owners, and household incomes run a little below the county's. Winters are long and cold, with a great deal of snow, and summers are mild and comfortable.
Work. Many residents work in the building trades, in schools, hospitals and social care, in shops, and in professional and business services. Across Vilas County, the largest workplaces include the Northland Pines School District, the road construction firm Pitlik & Wick, and Pukall Lumber Company. Commutes are fairly short, and very few people work from home.
Things to do. Big Saint Germain Lake and Lost Lake are both in or beside town, and Alma Lake and Black Tern Bog State Natural Area, a protected area, are a short drive away. For a longer outing, Trout Lake is a longer drive away.
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- 1,152households
- 27%of adults have a degree
- 10%below the poverty line
- 18 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Vilas County had 8,411 jobs in 2025, 1.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 20° and lows near 0°; warmest in July, with highs near 75° and lows near 56°. About 74 inches of snow and 34 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Germain weather station, a mile away (NOAA).
Largest workplaces in Vilas County
- Northland Pines School DistrictSchool district219FTE
- Lac du Flambeau #1 School DistrictSchool district145FTE
- Pitlik & WickRoad construction125
- Pukall Lumber CompanySawmills122
- Roundy'sSupermarkets and other grocery except convenience stores102
- Woodruff J1 School DistrictSchool district86FTE
- Aspirus Eagle River HospitalCritical access hospital68FTE
- FedExCourier and express delivery services52
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 13 workplaces with 20 or more staff, 885 people in all across the county; Saint Germain has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Cold wavesRelatively high
- Strong windRelatively moderate
- Winter weatherRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Vilas County, against the rest of the country; all of them together, relatively low. 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 Vilas County.
Saint Germain home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Germain$389,895
- Wisconsin$337,196
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Saint Germain 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.
- Saint Germain33.21%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Germain27
New listings per month
Sellers arriving at the market.
- Saint Germain9
Zip codes with a Saint Germain address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Germain — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.