Germantown, MD โ City Data, Demographics & Statistics
Montgomery County ยท Maryland
City DNA
A unique fingerprint for Germantown based on 8 key metrics โ compared to averages.
Quick Stats
Population
90,521
2023 ACS
Median Income
$112,149
2023
Median Home Value
$401,400
2023
Median Rent
$1,978
2023
Median Age
37.6
Unemployment
4.9%
Cost of Living Index
167.6
100 = national avg
Germantown is a city in Montgomery County, Maryland, with a population of 90,521 according to the 2023 American Community Survey. Germantown is one of the communities in Maryland.
The median household income in Germantown is $112,149, and the median home value is $401,400. The cost of living index is 167.6 (where 100 = national average), and the median rent is $1,978 per month. The unemployment rate is 4.9%, and the median age is 37.6 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
90,521
Male
44,037
48.6%
Female
46,484
51.4%
Median Age
37.6
Education & Household
Bachelor's or Higher
33.8%
High School or Higher
45.1%
Foreign Born
38.7%
Veterans
3.8%
Married
43.5%
Avg Household Size
2.8
Marital Status by Age
Race & Ethnicity
Diversity Index
0.715
Simpson's Index (0-1)
Largest Group
White
29.5%
Foreign Born
38.7%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
24.1%
21,770 people
Not Hispanic/Latino
76.0%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
84,841
English Only
50.3%
#1 Non-English Language
Spanish
17,797 speakers
Limited English
18.9%
Language Distribution
English Proficiency
Speaks English Very Well
81.0%
Limited English Proficiency
18.9%
Veterans & Military
Total Veterans
3,393
3.7% of population
Disability Rate
20.7%
702 with disability
Veteran Median Income
$80,056
Unemployment Rate
7.1%
Period of Service
Veteran Age Distribution
Male Veterans
2,588
76.3%
Female Veterans
805
23.7%
Veteran vs Non-Veteran Income
Veteran Income
$80,056
Non-Veteran Income
$55,436
Difference
$24,620
44.4% higher
Disability Status
With Disability
702
Without Disability
2,691
Disability Rate
20.7%
Ancestry & Heritage
Total Reporting Ancestry
35,826
#1 Ancestry
Sub-Saharan African
7.3% (6,625)
#2 Ancestry
German
5.4% (4,894)
#3 Ancestry
English
5.0% (4,518)
Top 20 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
31,866
Family Households
23,010
72.2%
Married Couples
16,483
51.7%
Non-Family Households
8,856
27.8%
Single Mother Households
5,341
16.8%
Single Father Households
1,186
3.7%
Living Alone
7,706
24.2%
Children Under 18
Total Children
18,824
In Married Couple
13,452
71.5%
With Single Mother
4,663
24.8%
With Single Father
709
3.8%
Family Income
Median Family Income
$123,138
Married Couple Income
$149,476
Single Mother Income
$72,200
Single Father Income
$80,352
Avg Family Size
2.8
Avg Non-Family Size
2.7
Grandparents w/ Grandchildren
2,125
Grandparents Responsible
275
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$112,149
+53% vs national
Per Capita Income
$49,390
+33% vs national
Poverty Rate
8.5%
-37% vs national
Gini Index
0.4033
0 = perfect equality
Unemployment
4.9%
-6% vs national
SNAP Recipients
8.9%
of households
How Germantown Compares
Germantown vs Similar Cities
Compared to cities with 50,000 - 100,000 residents. Germantown is highlighted.
Median Household Income
Germantown, MD has a median household income of $112,149, making it the 3,420th highest median household income out of 28,123 cities in our database. This means that Germantown has a higher median household income than 88% of all the cities we measured.
Per Capita Income
Germantown, MD has a per capita income of $49,390, making it the 4,667th highest per capita income out of 28,123 cities in our database. This means that Germantown has a higher per capita income than 83% of all the cities we measured.
Poverty Rate
Germantown, MD has a poverty rate of 8.5%, making it the 18,659th highest poverty rate out of 31,262 cities in our database. This means that Germantown has a higher poverty rate than 40% of all the cities we measured.
Unemployment Rate
Germantown, MD has a unemployment rate of 4.9%, making it the 11,837th highest unemployment rate out of 31,012 cities in our database. This means that Germantown has a higher unemployment rate than 62% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Germantown. The median household income here is $112,149.
Income Distribution
Employment Snapshot
Unemployment Rate
4.9%
+4% vs MD avg
Labor Force
52,898
Employed
49,993
Mean Commute
27 min
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
33.8%
of adults 25+
High School Diploma+
45.1%
of adults 25+
Median Age
37.6
Work from Home
19.2%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area
Highest-Paying Job
Lawyers
Top Median Wage
$191.9K
per year
Occupations Tracked
20
Cost of Living
Overall Index
167.6
100 = national avg
+67.6 vs national average
Living Wage (1 Adult)
$73,733
per year
Living Wage (Family of 4)
$174,278
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$2,015
per month
2 Bedroom
$2,246
per month
The median household income in Germantown, MD is $112,149, which is 53.2% above the national average of $73,224. Per capita income is $49,390. The poverty rate of 8.5% is lower than the MD state average of 9.4%. The Gini index of income inequality is 0.4033, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 4.9%, compared to the state average of 4.7%. The labor force is 52,898. 33.8% of adults hold a bachelor's degree or higher. The average commute time is 27 minutes, with 19.2% working from home. About 62.2% of workers drive alone to work. The overall cost of living index is 167.6, which is 67.6% above the national average. Housing costs are above the national average at an index of 209.1. A single adult needs to earn approximately $73,733 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin โ January 2026
Median Sale Price
$395,000
Median List Price
$402,000
Price Per Sq Ft
$251
Days on Market
63
Active Inventory
92
Months of Supply
1.8
Seller's market
Zillow Home Value
$414,595
ZHVI โ January 2026
Zillow Rent Index
$1,989
ZORI โ January 2026
Market CompetitivenessRedfin
Sold Above List
28.0%
Off Market in 2 Weeks
35.1%
Sale-to-List Ratio
99.2%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
50
New Listings
42
Pending Sales
57
Price Per Square FootRedfin
Median Sale $/SF
$251
Median List $/SF
$256
Germantown vs Similar CitiesCensus ACS / Redfin
Compared to cities with 50,000 - 100,000 residents. Germantown is highlighted.
Median Home Value
Germantown, MD has a median home value of $401,400, making it the 4,499th highest median home value out of 27,993 cities in our database. This means that Germantown has a higher median home value than 84% of all the cities we measured.
Median Rent
Germantown, MD has a median rent of $1,978, making it the 1,715th highest median rent out of 22,337 cities in our database. This means that Germantown has a higher median rent than 92% of all the cities we measured.
Median Price Per Sq Ft
Germantown, MD has a price per square foot of $251, making it the 5,205th highest price per square foot out of 20,748 cities in our database. This means that Germantown has a higher price per square foot than 75% of all the cities we measured.
Rent Burden
Germantown, MD has a rent burden of 21.2%, making it the 7,252nd highest rent burden out of 21,928 cities in our database. This means that Germantown has a higher rent burden than 67% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$401,400
Median Rent
$1,978
Total Housing Units
32,540
Vacancy Rate
2.1%
Owner Occupied
66.9%
Renter Occupied
33.1%
Median Property Tax
$3,436
per year
Monthly Cost (w/ Mortgage)
$1,895
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$3,436
per year
Effective Tax Rate
0.86%
of home value
Median Home Value
$401,400
Estimated Mean Tax
$3,846
The effective property tax rate is calculated by dividing the median annual property tax ($3,436) by the median home value ($401,400). In Germantown, MD, this works out to an effective rate of 0.86%. This is below the national average of approximately 1.1%.
The current median sale price in Germantown, MD is $395,000 according to Redfin data. Homes spend a median of 63 days on the market. 28.0% of homes sold above asking price. The market has 1.8 months of supply. The median price per square foot is $251. Zillow's observed rent index is $1,989/month. About 66.9% of housing units are owner-occupied. The median year homes were built is 1989. There are 32,540 total housing units. Homeowners pay a median annual property tax of $3,436. The effective tax rate is 0.86%, below the national average.
Crime data is not yet available for Germantown. The FBI UCR/NIBRS program does not cover all jurisdictions.
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
91.7
Relatively Moderate
Expected Annual Loss
92.7
Score (0-100)
Social Vulnerability
19.9
Score (0-100)
Community Resilience
63.5
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
21
Public Assistance
$249.2M
Individual Assistance
$2.8M
Most Common Type
Snowstorm
5 declarations
Public Assistance by Category
Showing 20 of 22 disasters
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
775
Total Claims Paid
$4,765,802
Avg Claim Payout
$6,149
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
12
Federal Funding
$3,282,396
Properties Protected
5
Avg Benefit-Cost Ratio
0.83
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 601.1: Generators | 3 | $566,891 |
| 601.2: Generators - Regular | 2 | $383,960 |
| 405.1: Other Minor Flood Control | 1 | $738,750 |
| 203.1: Wet Floodproofing Private Structures - Riverine; 500.2: Flood Control - Berm, Levee, or Dike | 1 | $1,385,623 |
| 91.1: Local Multihazard Mitigation Plan | 1 | $69,000 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Germantown has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are winter weather, heat wave, strong wind. The area has had 21 federal disaster declarations. The most common disaster type is snowstorm (5 declarations). 775 flood insurance claims have been filed in the area. FEMA has obligated $249,202,897 in public assistance recovery funding. $2,762,912 has been distributed in individual assistance to disaster-affected residents. 12 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
27.5%
8.6pp below the national average
Depression Rate
17.5%
6.0pp below the national average
Diabetes Rate
10.5%
1.4pp below the national average
Uninsured Rate
10.3%
near the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
38.6%
Arthritis
18.2%
Cancer (excl. skin)
5.2%
Teeth Lost (65+)
7.6%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
13.6%
14+ days in past month
Depression
17.5%
Loneliness
35.2%
Lack of Support
25.2%
Disability Prevalence
Any Disability
22.3%
Mobility
9.2%
Cognitive
11.5%
Hearing
4.2%
Vision
4.3%
Self-Care
2.9%
Independent Living
5.9%
Health-Related Social Needs
Prevalence of social risk factors affecting community health
Germantown has an obesity rate of 27.5%, which is 8.6pp below the national average. The depression rate is 17.5%, 6.0pp below the national average. About 10.3% of adults lack health insurance. 75.4% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
5
Avg CMS Rating
2.5 / 5
Nearest Hospital
2.8 mi
Holy Cross Germantown Hospital
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Holy Cross Germantown Hospital | 2.8 mi | Acute Care Hospitals | 2/5 | Yes |
| Adventist Healthcare Shady Grove Medical Center | 7.4 mi | Acute Care Hospitals | 2/5 | Yes |
| Medstar Montgomery Medical Center | 10.1 mi | Acute Care Hospitals | 3/5 | Yes |
| Suburban Hospital | 14.5 mi | Acute Care Hospitals | 3/5 | Yes |
| Walter Reed National Military Med Cen | 14.5 mi | Acute Care - Department of Defense | โ | Yes |
Infrastructure
Commute Overview2023 ACS
Mean Commute
27 min
+15% vs national
Drive Alone
62.2%
-21% vs national
Public Transit
5.2%
+476% vs national
Work From Home
19.2%
+107% vs national
Carpool
10.2%
Walk / Bike
0.9%
combined
How Germantown's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
The average commute in Germantown, MD is 27 minutes, which is 14.5% above the national average of 23 minutes. 62.2% of workers drive alone, compared to the national average of 78.7%. 19.2% work from home, which is above the MD state average of 13.4%. Public transit is used by 5.2% of commuters, compared to the national average of 0.9%. 10.2% of workers carpool.
Internet & Broadband Access
Source: Census ACSBroadband Access
96.7%
of households
Cable / Fiber / DSL
86.5%
of households
No Internet
2.3%
of households
Total Households
31,866
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
98.5%
of households
Smartphone
94.5%
of households
Desktop / Laptop
91.3%
of households
Tablet
74.8%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
17.9ยข
per kWh
-3% vs 50,000 - 100,000 avg
Commercial Rate
13.0ยข
per kWh
-12% vs 50,000 - 100,000 avg
Industrial Rate
10.0ยข
per kWh
-10% vs 50,000 - 100,000 avg
Avg Monthly Bill
$166
residential
+14% vs 50,000 - 100,000 avg
5% above the national average of 17.1ยข/kWh
Residential electricity in Maryland averages 17.9ยข per kWh, compared to the national average of 17.1ยข. The average monthly electric bill is $166. State-level averages from EIA Electric Sales & Revenue data (2024).
Germantown vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (50,000 - 100,000). Each city represents its state's average rate.
Residential Rate (ยข/kWh)
Commercial Rate (ยข/kWh)
Industrial Rate (ยข/kWh)
Average Monthly Bill
96.7% of households in Germantown have broadband internet access. 86.5% have cable, fiber, or DSL service. 8.4% rely solely on cellular data without a wired connection. 2.3% of households have no internet access.
Politics & Government
County-level data: Election results are reported at the county level. Germantown is located in Montgomery County, MD. Results reflect all voters in the county, not just those in Germantown.
Election Overview
Source: Montgomery County (2024)2024 Winner
Democrat
Dem Votes
386,581
75.2%
GOP Votes
112,637
21.9%
Total Votes
513,919
Margin
D+53.3%
Shift from 2020
R+6.4pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 386,581 | 112,637 | 513,919 | 75.2% | 21.9% | D+53.3 |
| 2020 | 419,569 | 101,222 | 533,743 | 78.6% | 19.0% | D+59.6 |
| 2016 | 309,761 | 82,985 | 408,300 | 75.9% | 20.3% | D+55.6 |
In the 2024 presidential election, Montgomery County recorded 513,919 total votes. Democrats won the county with 75.2% of the vote compared to 21.9% for Republicans, a margin of D+53.3%. Compared to 2020, the margin shifted R+6.4pp from the previous election. Since 2016, Montgomery County has shifted 2.3 percentage points toward Republicans.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
388
Total Assets
$1.1B
Total Income
$987.8M
Per 10K Residents
42.9
nonprofits
-46.8% vs peers avg
Orgs with >$1M Assets
20
Median Assets
$61K
Oldest Active
1940
ruling year
Newest Org
2026
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationTop 10 hold $1.1B of $1.1B total
Nonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population 50,000 - 100,000
Largest Nonprofits in Germantown
Source: IRS Exempt Organizations BMFGermantown, MD has 388 registered 501(c)(3) nonprofit organizations with combined assets of $1.1B. The most common category is Religion-Related, with 87 organizations. 20 nonprofits have assets exceeding $1 million. That works out to 42.9 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1940.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
306
Total Approved
$67.6M
Jobs Supported
2,589
Per 10K Residents
33.8
SBA loans
-70.4% vs peers avg
Unique Lenders
56
Top Lender
Manufacturers and Traders Trust Company
79 loans
Top Industry
Professional & Technical Services
Data Span
1992โ2026
Loan Program Breakdown
Source: SBA FOIALoans
298
Total Amount
$61.5M
Avg Loan
$206,336
Median Loan
$77,500
SBA Guaranteed
$45.6M(74%)
Jobs Supported
2,321
Loans
8
Total Amount
$6.1M
Avg Loan
$759,875
Median Loan
$750,000
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
48
16% of all-time total
Recent Amount
$15.8M
23% of all-time total
Avg Recent Loan
$328,215
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population 50,000 - 100,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Cab Printers Inc. | 1 | $4.7M |
| Harvest Associates Inc | 3 | $3.9M |
| Honey Acres Farm Llc | 1 | $3.1M |
| Song Dog Spirits Llc | 1 | $2.9M |
| Crab Lagoon Llc | 1 | $2.3M |
| Thomas S Kim Dds Pa | 3 | $2.2M |
| Yuraku Japanese Restaurant | 1 | $1.4M |
| Love My Car Carwash, Inc. | 1 | $1.3M |
| Taste Place Inc. | 1 | $1.2M |
| Sykesville Veterinary Clinic Llc | 1 | $1.1M |
Germantown, MD has received 306 SBA loans totaling $67.6M in approved funding between 1992 and 2026. The 7(a) program accounts for 298 loans (97% of the total), supporting 2,321 jobs. The 504 program, focused on real estate and large equipment, has funded 8 loans totaling $6.1M. The most common industry receiving SBA funding is Professional & Technical Services. The most active SBA lender in Germantown is Manufacturers and Traders Trust Company with 79 loans. That works out to 33.8 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
18
Total Population
395,262
Avg Median Income
$137,447
Avg Home Value
-$36,460,515
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 20837 | 6,605 | $191,927 | $701,000 | $1,879 | 40.3 |
| 20838 | 409 | $223,571 | $807,100 | N/A | 0.9 |
| 20839 | 116 | $101,250 | $900,000 | N/A | 3.0 |
| 20841 | 9,706 | $184,276 | $771,400 | $2,794 | 27.1 |
| 20842 | 2,093 | $166,389 | $709,300 | $1,745 | 55.6 |
| 20850 | 50,365 | $122,691 | $687,200 | $2,277 | 14.1 |
| 20855 | 16,557 | $147,708 | $614,900 | $2,405 | 13.1 |
| 20871 | 28,329 | $177,120 | $628,800 | $2,312 | 22.9 |
| 20872 | 13,138 | $132,804 | $478,300 | $1,675 | 19.9 |
| 20874 | 62,233 | $109,648 | $385,300 | $1,938 | 22.7 |
| 20876 | 26,511 | $113,329 | $456,500 | $2,081 | 10.8 |
| 20877 | 39,068 | $86,103 | $462,500 | $1,862 | 5.6 |
| 20878 | 65,236 | $142,062 | $675,200 | $2,188 | 20.4 |
| 20879 | 26,120 | $105,109 | $433,500 | $1,895 | 8.6 |
| 20880 | 590 | $160,417 | $594,200 | N/A | 0.3 |
| 20882 | 13,661 | $186,964 | $705,800 | $1,686 | 37.8 |
| 20886 | 34,419 | $98,767 | $366,400 | $1,863 | 4.1 |
| 20899 | 106 | $23,917 | N/A | $835 | 0.1 |
Germantown, MD has 18 ZIP codes with a combined population of 395,262. The average median household income across all ZIP codes is $137,447. The average median home value is -$36,460,515. The average median monthly rent is -$111,109,476.
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