Market Overview
Home Prices in Gardiner, ME
The median home value in Gardiner, ME is $296,712 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.9% compared to a year ago and up 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gardiner are priced28% below average. Gardiner is part of the Augusta-Waterville, ME metro area.
Over the past five years, Gardiner home values have risen by approximately34.7%, reflecting strong long-term appreciation in this market.
Price History
Gardiner Home Price Trend
City Comparison
Gardiner vs. National Median
At $296,712, homes in Gardiner cost 28% below the national median of $410,000. This makes Gardiner a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Gardiner?
20% Down Payment
$59,342
on $296,712
Monthly P&I
$1,547/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,965/mo
incl. taxes & insurance
Income Needed
$78,600
gross annual (30% rule)
10% Down Option
$29,671
+ PMI applies
Loan Amount (20% dn)
$237,370
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 Gardiner, ME?
The median home value in Gardiner is $296,712 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.9% year-over-year.
How much have home prices changed in Gardiner?
Over the past year, home values in Gardiner have decreased by 2.9%. Over five years, prices have risen approximately 34.7%.
How much do I need to earn to buy a home in Gardiner?
To comfortably afford the median home price of $296,712 with a 20% down payment ($59,342) at today's rates (6.8%), you'd need a gross annual income of approximately $78,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Gardiner compare to the national average home price?
The national median home value is approximately $410,000. At $296,712, homes in Gardiner are 28% below the national average.
What metro area is Gardiner part of?
Gardiner is part of the Augusta-Waterville, ME metropolitan area. Home prices and market conditions can vary across the broader metro region.