The median home in Germantown, Illinois is valued at $238,818, up 8.7% year over year. Germantown is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$238,818

+8.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Germantown.

Income (annual)

Down Payment

$47,764 on $238,818

Example: $75,000 household income. Change it above to see your own.

Stretch28.8% of income

Above 28% but manageable with cuts.

PITI$1,801

P/I28.8%

Afford$232K

Gap-$7K

P&I $1,208Tax $444Ins $150

6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Illinois

Compare Germantown with other housing markets across Illinois.

Kenilworth$1.93M Winnetka$1.73M Glencoe$1.51M Bannockburn$1.22M Golf$1.19M Hinsdale$1.18M Lake Forest$1.14M South Barrington$1.08M

Full St. Louis, MO-IL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Louis, MO-IL metro.

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Germantown, IL