Market Overview
Home Prices in Gardiner, MT
The median home value in Gardiner, MT is $799,597 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.9% compared to a year ago and up 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gardiner are priced95% above average.
Over the past five years, Gardiner home values have risen by approximately19.7%, reflecting steady appreciation in this market.
Price History
Gardiner Home Price Trend
2020
$522,266
$522K
—
2021
$667,947
$668K
+27.9%
2022
$853,161
$853K
+27.7%
2023
$734,463
$734K
-13.9%
2024
$760,363
$760K
+3.5%
2025
$769,311
$769K
+1.2%
2026
$799,597
$800K
+3.9%
City Comparison
Gardiner vs. National Median
🏠 Gardiner
$799,597
National Median
$410,000
At $799,597, homes in Gardiner cost 95% above the national median of $410,000. Buyers in Gardiner should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Gardiner?
20% Down Payment
$159,919
on $799,597
Monthly P&I
$4,170/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,296/mo
incl. taxes & insurance
Income Needed
$211,840
gross annual (30% rule)
10% Down Option
$79,960
+ PMI applies
Loan Amount (20% dn)
$639,678
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, MT?
The median home value in Gardiner is $799,597 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.9% year-over-year.
How much have home prices changed in Gardiner?
Over the past year, home values in Gardiner have increased by 3.9%. Over five years, prices have risen approximately 19.7%.
How much do I need to earn to buy a home in Gardiner?
To comfortably afford the median home price of $799,597 with a 20% down payment ($159,919) at today's rates (6.8%), you'd need a gross annual income of approximately $211,840. 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 $799,597, homes in Gardiner are 95% above the national average.