Market Overview
Home Prices in Gardner, CO
The median home value in Gardner, CO is $325,448 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.6% compared to a year ago and down 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gardner are priced21% below average.
Over the past five years, Gardner home values have risen by approximately8.0%, reflecting steady appreciation in this market.
Price History
Gardner Home Price Trend
2020
$221,251
$221K
—
2021
$301,239
$301K
+36.2%
2022
$370,539
$371K
+23.0%
2023
$341,045
$341K
-8.0%
2024
$332,792
$333K
-2.4%
2025
$327,527
$328K
-1.6%
2026
$325,448
$325K
-0.6%
City Comparison
Gardner vs. National Median
🏠 Gardner
$325,448
National Median
$410,000
At $325,448, homes in Gardner cost 21% below the national median of $410,000. This makes Gardner a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Gardner?
20% Down Payment
$65,090
on $325,448
Monthly P&I
$1,697/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,155/mo
incl. taxes & insurance
Income Needed
$86,200
gross annual (30% rule)
10% Down Option
$32,545
+ PMI applies
Loan Amount (20% dn)
$260,358
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Gardner, CO?
The median home value in Gardner is $325,448 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.6% year-over-year.
How much have home prices changed in Gardner?
Over the past year, home values in Gardner have decreased by 0.6%. Over five years, prices have risen approximately 8.0%.
How much do I need to earn to buy a home in Gardner?
To comfortably afford the median home price of $325,448 with a 20% down payment ($65,090) at today's rates (6.8%), you'd need a gross annual income of approximately $86,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Gardner compare to the national average home price?
The national median home value is approximately $410,000. At $325,448, homes in Gardner are 21% below the national average.