Germantown is a very small town located in the state of New York. With a population of 1,121 people and two associated neighborhoods, Germantown is the 736th largest community in New York. Much of the housing stock in Germantown was built prior to World War II, making it one of the older and more historic towns in the country.

One interesting thing about the economy is that relatively large numbers of people worked from their home: 19.33% of the workforce. While this number may seem small overall, as a fraction of the total workforce this is high compared to the rest of the county. These workers are often telecommuters who work in knowledge-based, white-collar professions. For example, Silicon Valley has large numbers of people who telecommute. Other at-home workers may be self-employed people who operate small businesses out of their homes.

In addition, Germantown is home to many people who could be described as "urban sophisticates". Urban sophisticates are educated, wealthy, executives and professionals, who have urbane tastes in books, food, and travel, whether they actually live in a big city, or choose to reside in a small town. In big or medium-sized cities, urban sophisticates tend to frequent art institutions such as opera, symphonies, ballet, live theatre, and museums.

Even though Germantown is a smaller town, it has many people who hop on public transportation – mostly the train for their daily commute to work. Typically, these people are commuting to good jobs in the surrounding cities.

The citizens of Germantown are among the most well-educated in the nation: 47.67% of adults in Germantown have a bachelor's degree or even advanced degree, whereas the average US city has 21.84% holding at least a bachelor's degree.

The per capita income in Germantown in 2022 was $55,950, which is upper middle income relative to New York, and wealthy relative to the rest of the US. This equates to an annual income of $223,800 for a family of four. However, Germantown contains both very wealthy and poor people as well.

Germantown is a somewhat ethnically-diverse town. The people who call Germantown home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Germantown residents report their race to be White, followed by Black or African-American. Important ancestries of people in Germantown include Irish, English, Italian, German, and Polish.

The most common language spoken in Germantown is English. Other important languages spoken here include Spanish and German/Yiddish.