Germantown, IL · standard

ZIP Code 62245

Clinton County, Illinois — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

1,794
32/sq mi: $91,767
Median income: $204,500
Median home value: 23.9%
Bachelor's or higher

The verdict

Germantown pairs an upper-quartile household income with below-median home values, in a rural, homeowner-dominated area.

Top 25%
household income, US ZIPs: 45th pct
home value, US ZIPs: 32
people per sq mi: 88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 62245 against every reporting US ZIP.

ZIP code 62245 is classified by USPS as a standard delivery area and covers roughly 55.5 square miles in Germantown, Clinton County, Illinois. The area is home to 1,794 residents, producing a population density of 32 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 62245 against Illinois and the nation.

On the economic side, the median household income for ZIP 62245 sits at $91,767 (15% above the Illinois average), while per-capita income is $46,388. The poverty rate stands at 5.1% and the unemployment rate at 1.5%. On housing, the median home value is $204,500 (7% above the state average) with median rent at $903 per month, and 87.9% of occupied units are owner-occupied, a direct signal of whether 62245 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 23.9% of adults hold a bachelor's degree or higher, the median age is 46.2, and the average commute is 30 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Clinton County, so you can benchmark 62245 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 62245

Construction

15
Other services (except public administration)

10
Retail trade

6
Health care and social assistance

5
Accommodation and food services

4

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 62245, Germantown, IL · 2023 Accessed 2026-06-13 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

1,794

Population

55.5

Area (sq mi)

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard

Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.

View Scorecard →

Who lives in ZIP 62245?

46.2

Median Age

47.9%

Male

52.1%

Female

0.1%

Foreign-Born

White 98.4%

African American 0.2%

Asian 0.0%

American Indian or Alaska Native 0.0%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 1.2%

Hispanic or Latino 0.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$91,767

Median Household Income

+15% vs state

$46,388

Per Capita Income

5.1%

Poverty Rate

1.5%

Unemployment Rate

29.8 min

Mean Commute Time

How ZIP 62245 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$91,767 Top 25% higher than 75% of 30,318 US ZIPs

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.7%

Bachelor's Degree or Higher 23.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

835

Total Housing Units

793

Occupied Units

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 87.9%

Renter 12.1%

$204,500

Median Home Value

+7% vs state

$903

Median Rent

1975

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+16.2%

YoY Change (2021)

184

HPI Index (2000 = 100)

+84%

Total Change Since 2000

Home values in ZIP 62245 have increased 16.2% over the past year (2021). Since 2000, this ZIP has seen +84% cumulative appreciation.

Year	Annual Change	HPI Index
2017	+2.9%	154
2018	+13.2%	174
2019	-9.9%	157
2020	+1.2%	159
2021	+16.2%	184

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 53 business establishments in ZIP 62245, employing approximately 427 people with a combined annual payroll of $16,812,000.

Businesses

427

Employees

$16.8M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	15	28.3%
Other services (except public administration)	10	18.9%
Retail trade	6	11.3%
Health care and social assistance	5	9.4%
Accommodation and food services	4	7.5%
Finance and insurance	3	5.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 62245 vs 62215 →

62230

6,194
62293

4,748
62265

4,353
62216

2,526
62271

2,077
62215

1,872
62245

1,794
62218

1,481
62219

1,009

What this shows Among its immediate neighbors, ZIP 62245 ranks #7 by population — useful context the national average alone can't give.

62216

$120,139
62215

$107,727
62293

$98,155
62245

$91,767
62230

$91,350
62218

$91,250
62265

$84,853
62271

$82,746
62219

$63,603

What this shows By household income, ZIP 62245 ranks #4 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
62215	Albers, IL	1,872	3.5 mi
62216	Aviston, IL	2,526	5.3 mi
62218	Bartelso, IL	1,481	5.5 mi
62230	Breese, IL	6,194	6.7 mi
62265	New Baden, IL	4,353	6.5 mi
62271	Okawville, IL	2,077	7.7 mi
62266	New Memphis, IL	254	7.3 mi
62219	Beckemeyer, IL	1,009	8.3 mi
62293	Trenton, IL	4,748	8.5 mi

More ZIP Codes in Clinton County

Clinton County Germantown, IL Illinois

Frequently Asked Questions

What county is ZIP code 62245 in? ▼

ZIP code 62245 (Germantown) is located in Clinton County, Illinois. Clinton County contains multiple ZIP codes, see the full list at /counties/clinton-il.

What is the population of ZIP code 62245? ▼

ZIP code 62245 in Germantown, IL has a population of 1,794 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 62245? ▼

The median household income in ZIP 62245 is $91,767, which is 20% above the national average of $76,288.

What is the average home value in ZIP 62245? ▼

The median home value in ZIP 62245 is $204,500, which is 26% below the national average of $278,155.

What is the demographic makeup of ZIP 62245? ▼

The largest racial group in ZIP 62245 is White at 98.4%. Hispanic or Latino residents make up 0.4% of the population.

How many businesses are in ZIP code 62245? ▼

ZIP code 62245 has 53 business establishments employing approximately 427 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 62245? ▼

The top industries by establishment count in ZIP 62245 are: Construction (15), Other services (except public administration) (10), Retail trade (6). There are 6 industry sectors represented in total.

How have home values changed in ZIP code 62245? ▼

According to the FHFA House Price Index, home values in ZIP 62245 increased by 16.2% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 84%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.

What is the education level in ZIP code 62245? ▼

In ZIP code 62245, 57.7% of residents aged 25+ have a high school diploma or higher, and 23.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).

What is the average commute time in ZIP 62245? ▼

The mean commute time for workers in ZIP code 62245 is 29.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 62245? ▼

In ZIP code 62245, approximately 87.9% of occupied housing units are owner-occupied and 12.1% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 62245? ▼

The poverty rate in ZIP code 62245 is 5.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.