The typical owner-occupied home in Gardner is worth about $306,200, 41% above the Kansas median of $217,200 and 8% below the national median of $332,700. Owners pay a median $3,464 a year in property taxes, about 1.13% of their home's value, lower than the Kansas rate of 1.29%. The median household earns $96,818 a year, so the median home costs 3.2 times the median income (2.9 times for Kansas). 68% of occupied homes here are lived in by their owners, and 78% of those owners still have a mortgage.
Gardner at a glance
| Gardner | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $306,200 | $217,200 | $332,700 |
| Median property tax paid per year | $3,464 | $2,798 | $3,119 |
| Property tax as a share of value | 1.13% | 1.29% | 0.94% |
| Median household income | $96,818 | $74,275 | $80,734 |
| Homes lived in by their owners | 68% | 67% | 65% |
| Owner homes with a mortgage | 78% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,954 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 19.8% | 19.4% | 21.0% |
| Median rent | $1,306 | $1,060 | $1,413 |
| Rent as a share of renters' income | 26.8% | 27.1% | 30.6% |
| Median year homes were built | 2003 | 1976 | 1980 |
| Vacant homes | 2.2% | 9.2% | 10.1% |
| Population | 24,526 | 2,947,197 | 334,922,499 |
What a typical home costs per month in Gardner
At this week's average 30-year rate of 7.11%, buying the median Gardner home of $306,200 with 20% down costs about $2,064 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,574, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $88,448 for the 20%-down payment. That payment is 26% of the median Gardner household income of $96,818; at that income and 20% down, the 28% guideline points to a home of about $335,000.
The median rent here is $1,306 a month, so owning the median home costs about $758 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $61,240 |
|---|---|
| Loan amount | $244,960 |
| Principal and interest | $1,648 |
| Property taxes (1.13% a year) | $288 |
| Homeowners insurance (our estimate, 0.5% a year) | $128 |
| PMI | $0 |
| Total per month | $2,064 |
Change the numbers in the calculator
| Down payment | $10,717 |
|---|---|
| Loan amount | $300,654 |
| Principal and interest | $2,023 |
| Property taxes (1.13% a year) | $288 |
| Homeowners insurance (our estimate, 0.5% a year) | $128 |
| FHA mortgage insurance | $135 |
| Total per month | $2,574 |
Change the numbers in the calculator
Questions about home buying in Gardner
What is the median home value in Gardner?
About $306,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gardner?
Homeowners pay a median $3,464 a year, which is about 1.13% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Gardner?
For the median home with 20% down at 7.11%, the payment is about $2,064 a month. Keeping that under 28% of gross income takes about $88,448 a year.
More about Gardner
- Mortgage Refinance in Gardner
- Debt Relief in Gardner
- Home Equity Loans in Gardner
- 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