The typical owner-occupied home in Gardiner is worth about $633,400, 69% above the Montana median of $375,800 and 90% above the national median of $332,700. Owners pay a median $2,757 a year in property taxes, about 0.44% of their home's value, lower than the Montana rate of 0.72%. The median household earns $60,598 a year, so the median home costs 10.5 times the median income (5.2 times for Montana). 55% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Gardiner at a glance
| Gardiner | Montana | U.S. | |
|---|---|---|---|
| Median home value | $633,400 | $375,800 | $332,700 |
| Median property tax paid per year | $2,757 | $2,693 | $3,119 |
| Property tax as a share of value | 0.44% | 0.72% | 0.94% |
| Median household income | $60,598 | $72,509 | $80,734 |
| Homes lived in by their owners | 55% | 69% | 65% |
| Owner homes with a mortgage | 36% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,431 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 12.5% | 21.9% | 21.0% |
| Median rent | $769 | $1,081 | $1,413 |
| Rent as a share of renters' income | 23.7% | 27.8% | 30.6% |
| Median year homes were built | 1992 | 1981 | 1980 |
| Vacant homes | 21.4% | 13.2% | 10.1% |
| People below the poverty line | 21.8% | 11.5% | 12.5% |
| Population | 647 | 1,116,875 | 334,922,499 |
Household budgets and debt in Gardiner
In Gardiner, the typical owner with a mortgage spends 12.5% of household income on housing and the typical renter spends 23.7%. Above 30% is generally considered cost-burdened, which leaves less room for other debts.
21.8% of residents live below the federal poverty line, compared with 11.5% in Montana.
If debts are getting hard to manage, the usual options, from mildest to most serious, are: a budget and a call to your lenders to ask for a hardship plan; a debt management plan through a nonprofit credit counselor, which can lower interest rates; a debt consolidation loan or, for homeowners, a cash-out refinance or home equity loan; debt settlement, where a company negotiates to pay less than you owe; and bankruptcy.
Under the Federal Trade Commission's rules, debt settlement companies can't charge a fee until they have settled at least one of your debts. Settling can hurt your credit and forgiven debt may be taxable, so compare it with credit counseling first. Time limits for collectors to sue differ by state and by type of debt; check with your state attorney general or a lawyer before relying on one.
Homeowners can sometimes pay off high-interest debt with their home's equity. With the median Gardiner home worth $633,400 and 64% of owners mortgage-free, many owners have equity to draw on, but it turns unsecured debt into debt secured by your home.
Questions about debt relief in Gardiner
What is the median home value in Gardiner?
About $633,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gardiner?
Homeowners pay a median $2,757 a year, which is about 0.44% of the median home value. Your bill depends on your home's assessed value and local rates.
How much of their income do Gardiner households spend on housing?
With a median household income of $60,598, owners with a mortgage spend a median 12.5% on housing and renters 23.7%.
More about Gardiner
- Mortgage Refinance in Gardiner
- Home Buying in Gardiner
- Home Equity Loans in Gardiner
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data