The typical owner-occupied home in Gardendale is worth about $408,700, 44% above the Texas median of $283,800 and 23% above the national median of $332,700. Owners pay a median $4,372 a year in property taxes, about 1.07% of their home's value, lower than the Texas rate of 1.49%. The median household earns $103,750 a year, so the median home costs 3.9 times the median income (3.6 times for Texas). 95% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Gardendale at a glance
| Gardendale | Texas | U.S. | |
|---|---|---|---|
| Median home value | $408,700 | $283,800 | $332,700 |
| Median property tax paid per year | $4,372 | $4,232 | $3,119 |
| Property tax as a share of value | 1.07% | 1.49% | 0.94% |
| Median household income | $103,750 | $78,476 | $80,734 |
| Homes lived in by their owners | 95% | 63% | 65% |
| Owner homes with a mortgage | 39% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,833 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 21.4% | 21.7% | 21.0% |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 2005 | 1992 | 1980 |
| Vacant homes | 10.1% | 9.4% | 10.1% |
| Population | 1,544 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Gardendale
At this week's average 30-year rate of 7.11%, buying the median Gardendale home of $408,700 with 20% down costs about $2,734 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,415, 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 $117,180 for the 20%-down payment. That payment is 32% of the median Gardendale household income of $103,750; at that income and 20% down, the 28% guideline points to a home of about $362,000.
| Down payment | $81,740 |
|---|---|
| Loan amount | $326,960 |
| Principal and interest | $2,199 |
| Property taxes (1.07% a year) | $364 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| PMI | $0 |
| Total per month | $2,734 |
Change the numbers in the calculator
| Down payment | $14,304 |
|---|---|
| Loan amount | $401,297 |
| Principal and interest | $2,700 |
| Property taxes (1.07% a year) | $364 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| FHA mortgage insurance | $181 |
| Total per month | $3,415 |
Change the numbers in the calculator
Questions about home buying in Gardendale
What is the median home value in Gardendale?
About $408,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gardendale?
Homeowners pay a median $4,372 a year, which is about 1.07% 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 Gardendale?
For the median home with 20% down at 7.11%, the payment is about $2,734 a month. Keeping that under 28% of gross income takes about $117,180 a year.
More about Gardendale
- Mortgage Refinance in Gardendale
- Debt Relief in Gardendale
- Home Equity Loans in Gardendale
- 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