Market Overview
Home Prices in Garden City, ID
The median home value in Garden City, ID is $478,960 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.4% compared to a year ago and down 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garden City are priced17% above average. Garden City is part of the Boise City, ID metro area.
Over the past five years, Garden City home values have fallen by approximately0.7%, reflecting softening conditions in this market.
Price History
Garden City Home Price Trend
City Comparison
Garden City vs. National Median
At $478,960, homes in Garden City cost 17% above the national median of $410,000. Buyers in Garden City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Garden City?
20% Down Payment
$95,792
on $478,960
Monthly P&I
$2,498/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,172/mo
incl. taxes & insurance
Income Needed
$126,880
gross annual (30% rule)
10% Down Option
$47,896
+ PMI applies
Loan Amount (20% dn)
$383,168
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 Garden City, ID?
The median home value in Garden City is $478,960 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.4% year-over-year.
How much have home prices changed in Garden City?
Over the past year, home values in Garden City have decreased by 2.4%. Over five years, prices have fallen approximately 0.7%.
How much do I need to earn to buy a home in Garden City?
To comfortably afford the median home price of $478,960 with a 20% down payment ($95,792) at today's rates (6.8%), you'd need a gross annual income of approximately $126,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Garden City compare to the national average home price?
The national median home value is approximately $410,000. At $478,960, homes in Garden City are 17% above the national average.
What metro area is Garden City part of?
Garden City is part of the Boise City, ID metropolitan area. Home prices and market conditions can vary across the broader metro region.