The typical owner-occupied home in Gardner is worth about $276,800, 11% above the North Dakota median of $249,900 and 17% below the national median of $332,700. Owners pay a median $2,327 a year in property taxes, about 0.84% of their home's value, lower than the North Dakota rate of 0.99%. The median household earns $103,750 a year, so the median home costs 2.7 times the median income (3.3 times for North Dakota). 98% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
Gardner at a glance
| Gardner | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $276,800 | $249,900 | $332,700 |
| Median property tax paid per year | $2,327 | $2,468 | $3,119 |
| Property tax as a share of value | 0.84% | 0.99% | 0.94% |
| Median household income | $103,750 | $76,657 | $80,734 |
| Homes lived in by their owners | 98% | 63% | 65% |
| Owner homes with a mortgage | 73% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,741 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 19.6% | 19.4% | 21.0% |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1979 | 1982 | 1980 |
| Vacant homes | 23.3% | 12.3% | 10.1% |
| Population | 125 | 784,841 | 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 $276,800 with 20% down costs about $1,799 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,260, 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 $77,088 for the 20%-down payment. That payment is 21% of the median Gardner household income of $103,750; at that income and 20% down, the 28% guideline points to a home of about $373,000.
| Down payment | $55,360 |
|---|---|
| Loan amount | $221,440 |
| Principal and interest | $1,490 |
| Property taxes (0.84% a year) | $194 |
| Homeowners insurance (our estimate, 0.5% a year) | $115 |
| PMI | $0 |
| Total per month | $1,799 |
Change the numbers in the calculator
| Down payment | $9,688 |
|---|---|
| Loan amount | $271,786 |
| Principal and interest | $1,828 |
| Property taxes (0.84% a year) | $194 |
| Homeowners insurance (our estimate, 0.5% a year) | $115 |
| FHA mortgage insurance | $122 |
| Total per month | $2,260 |
Change the numbers in the calculator
Questions about home buying in Gardner
What is the median home value in Gardner?
About $276,800 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 $2,327 a year, which is about 0.84% 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 $1,799 a month. Keeping that under 28% of gross income takes about $77,088 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