Germantown, Germantown TN — neighborhood review

Germantown, TN

Germantown · Shelby County · TN 38138

Updated August 4, 2026 · Would You Live There?

Think twice

Verdict

$430K

Median Price

29/100

Walk Score

7.7/10

Schools

29 min

to Memphis, TN

Score Breakdown

BAffordability
78/100
ASafety
92/100
BSchools
77/100
B-Quietness
70/100
B+Commute
85/100
FWalkability
29/100
WYLT Score72/100

Our Take

Germantown has solid schools and a quiet suburban feel, but the cost of buying a home is roughly three times the median household income, and the area is very car‑dependent with limited walking or transit options. It could work for families who are comfortable with a long commute, but anyone on a tighter budget or looking for a vibrant walkable community should look elsewhere.

B.

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The Good

  • ✓Strong public schools with several high‑rated options
  • ✓Low flood risk and overall safety
  • ✓Good commute to Memphis in under 30 minutes
  • ✓Suburban quiet with plenty of green space

Real Talk

  • !Home prices are high relative to median income, making buying a house a stretch for many
  • !Very limited walkability and public transit – you’ll need a car for most errands
  • !Nightlife and cultural options are sparse; downtown Memphis is a 30‑minute drive
  • !Potential traffic congestion on commute days can extend travel time
  • $Higher property taxes due to higher home values
  • $Elevated utility and insurance costs for larger homes
  • $Possible HOA fees for some subdivisions
  • $Maintenance expenses for larger, newer houses

Best For

Families looking for quality schoolsCommuters who can handle a 29‑minute driveProfessionals seeking a quiet suburban lifestyleRetirees wanting a safe, low‑flood area

Risk Snapshot

Flood riskLow
Violent crimeLow
Property crimeLow
Air qualityGood
Price volatilityModerate

Crime & Safety

Germantown, TN

A

Safety grade

Safety score92 / 100
High riskVery safe
⚠️Violent Crime
Low
1.6incidents / 1,000 residents / yr
0Natl avg (3.7)11+

57% safer than the national average

🔒Property Crime
Low
9.8incidents / 1,000 residents / yr
0Natl avg (19.5)59+

50% safer than the national average

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From Residents

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