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Syllable division and stress derived from spelling — this word is not in the pronouncing dictionary, so no phonetic transcription is shown rather than a guessed one.
germy is an adjective meaning "full of germs or pathological microorganisms". It carries one recorded sense.
full of germs or pathological microorganisms
“the water in New York harbor is oily and dirty and germy”
Forms marked · are formed by the regular rule rather than recorded in the source data. English keeps a few hundred irregulars and the rest follow the pattern, so the rule is right far more often than not — but it is a rule, and the mark says so.
Definitions, synonyms and semantic relations for germy come from Princeton University’s WordNet. Commonness is measured against a corpus of everyday English. Full sources and licences.