Germantown, IL—62245
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Germantown, IL
As of Oct '25, the median home price in Germantown, IL is $239,000, with a year-over-year change of 7.0%. This indicates that home prices in Germantown, IL are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $239,000 | 7.1% |
| Single Family | $239,000 | 8.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $264,000 | 6.5% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Germantown, IL
Germantown, IL lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Germantown, IL
Germantown, IL lacks sufficient listing trend data for analysis.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | N/A | N/A |
Listing Count | N/A | N/A |
| Listings as % of Homes | 0.1% | N/A |
Days on Market | N/A | N/A |
Demographics — Germantown, IL
As of the latest ACS Survey released in 2023, Germantown, IL has a population of 1,760, which has increased by 4.0% over the past 5 years. Germantown, IL is a moderately popular place for families, as children make up 22.0% of the population. The area has a poorly educated workforce, with 23.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,760 | 4.0% |
% Under 18 | 22.0% | 11.7% |
% Seniors | 17.5% | 2.3% |
% WFH | 10.4% | 141.9% |
% w/ College Degree | 23.9% | 26.5% |
As of the latest ACS Survey released in 2023, Germantown, IL is a predominantly white area, with 98.4% of the population identifying as white. The white population has grown by 1.2% in the last 5 years. The second most common race or ethnicity in Germantown, IL is black, making up 0.4% of the population. Foreign-born residents account for 0.1% of the population in Germantown, IL, and this percentage has decreased by 80.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 98.4% | 1.2% |
% Black | 0.4% | ∞% |
% Hispanic | 0.2% | -92.0% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.1% | -80.0% |
Mortgage and Risk — Germantown, IL
According to HUD data as of 2023, there were 46 mortgage originations in Germantown, IL, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 15.0% above 90% LTV (elevated). This implies medium mortgage risk in Germantown, IL. Investor activity is low, as 7.0% of loans were by investors. 4.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 46 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 7.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 4.0% |
Loan Activity
Rentals and Section 8 — Germantown, IL
Germantown, IL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $880 |
| 2 Bedroom | N/A | N/A | $1,090 |
| 3 Bedroom | N/A | N/A | $1,410 |
| 4 Bedroom | N/A | N/A | $1,640 |
Affordability — Germantown, IL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.2 |
| Median Home Price | $239,000 |
| Median Household Income | $89,400 |