Market Overview
Home Prices in Garner, NC
The median home value in Garner, NC is $385,626 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2% compared to a year ago and down 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garner are priced6% below average. Garner is part of the Raleigh-Cary, NC metro area.
Over the past five years, Garner home values have risen by approximately24.4%, reflecting strong long-term appreciation in this market.
Price History
Garner Home Price Trend
City Comparison
Garner vs. National Median
At $385,626, homes in Garner cost 6% below the national median of $410,000. This makes Garner a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Garner?
20% Down Payment
$77,125
on $385,626
Monthly P&I
$2,011/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,554/mo
incl. taxes & insurance
Income Needed
$102,160
gross annual (30% rule)
10% Down Option
$38,563
+ PMI applies
Loan Amount (20% dn)
$308,501
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 Garner, NC?
The median home value in Garner is $385,626 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2% year-over-year.
How much have home prices changed in Garner?
Over the past year, home values in Garner have decreased by 2%. Over five years, prices have risen approximately 24.4%.
How much do I need to earn to buy a home in Garner?
To comfortably afford the median home price of $385,626 with a 20% down payment ($77,125) at today's rates (6.8%), you'd need a gross annual income of approximately $102,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Garner compare to the national average home price?
The national median home value is approximately $410,000. At $385,626, homes in Garner are 6% below the national average.
What metro area is Garner part of?
Garner is part of the Raleigh-Cary, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.