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City · 24,526 residents · Johnson County, Kansas

Gardner , Kansas

In Gardner, a typical home is worth $306,200 and typical rent is $1,306 a month. Compared with all of Johnson County, the typical home value is 22% lower and typical household income is 11% lower.

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  • Typical home value

    $306,200

    22% below the county

    41% above Kansas

    • Gardner
    • Johnson
    • Kansas

  • Typical rent

    $1,306a month

    9% below the county

    23% above Kansas

    • Gardner
    • Johnson
    • Kansas

  • Typical household income

    $96,818a year

    11% below the county

    30% above Kansas

    • Gardner
    • Johnson
    • Kansas

  • Households that own their home

    68%

    1 points below the county

    About the same as Kansas

    • Gardner
    • Johnson
    • Kansas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$350,639
2.3% more than 12 months ago
Typical rent
$1,602 a month
4.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Gardner is in Johnson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Johnson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gardner apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Gardner is worth $306,200, 22% less than in Johnson County as a whole ($391,200).

  2. Nearby, in Spring Hill, the typical rent is $1,108: 15% less than in Gardner ($1,306).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Gardner

What homes there are in Gardner, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in Gardner: 66% of homes, near the figure in Johnson County (66%).

In Gardner there are many mobile homes: 6% of homes; in Johnson County, 1%.

Year built

Homes in Gardner are newer: the typical year built is 2003; in Johnson County, 1989.

There is more room for a big family here: 77% of homes have 3 bedrooms or more, against 68% in Johnson County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 97% of owner-occupied homes in Gardner are worth less than the FHA loan limit for Johnson County ($541,287).

Monthly rent with utilities

With a mortgage

$1,954 a month

Johnson County: $2,254 a month

Without a mortgage

$754 a month

Johnson County: $872 a month

Owners with a mortgage

78%

Johnson County: 69%

Owning costs less in Gardner: with a mortgage, the typical cost is $1,954 a month; in Johnson County, $2,254. Without one, $754.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Gardner rose 62% since 2015–2019, more than in Johnson County (51%).

Since 2015–2019, the typical rent in Gardner rose 23%, less than in Johnson County (29%).

While home values in Gardner changed +62% and rent +23%, the typical household income rose 24%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGardnerJohnson CountyKansasUnited States
Rental vacancy Unreliable estimate5.5%6.2%5.5%
Homeowner vacancy Unreliable estimate0.4%0.9%0.9%
More than one person per room Unreliable estimate1.4%2.1%3.4%
People per household 2.932.462.442.53
Drive alone 78%70%75%69%
Carpool 7%6%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 14%22%12%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Gardner are bigger: 2.93 people on average; in Johnson County, 2.46.

The car rules in Gardner: 78% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Gardner?

A typical home is tight for the typical income

We start with a typical home in Gardner, worth $306,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Gardner, which is $96,818 a year. For that payment to be 28% of income, a household would need to earn about $110,918 a year.

The calculator's FHA and conventional loan limits are those of all of Johnson County.

Your numbers

Local data
$

Starts at the typical home value in Gardner. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,717 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,588

at 7.18% · 30 years

Loan amount
$300,654
Total interest
$432,571
Paid off in
November 2056

Includes $5,171 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,259 a month

  • Tight

    $2,259 to $2,905 a month

    Your payment · 32%

  • Hard

    more than $2,905 a month

Compared with the typical household income in Gardner ($96,818 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,588
Principal & interest$2,037
Property tax$288
Home insurance$128
FHA mortgage insurance (MIP)$135

You need at least $10,717 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Gardner and Johnson County

Gardner is in Johnson County, Kansas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Gardner's own numbers

Typical home value
$306,200
Typical monthly rent
$1,306
Typical yearly household income
$96,818
Households that own their home
68%
Effective property tax rate
1.13%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Johnson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Johnson County.

Everything about Johnson County

Buying

Buying a home in Gardner

A typical home in Gardner is worth $306,200: 22% below the county and 41% above Kansas. With the typical household income in Gardner ($96,818 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Gardner 3.2 years
  • Johnson 3.6 years
  • Kansas 2.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Johnson County

According to FHFA’s house price index, home prices in Johnson County rose 101% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Johnson County.

Period County Kansas U.S.
Last year (2025) +3.8% +4.1% +2.9%
5 years (2020–2025) +50% +49% +47%
10 years (2015–2025) +101% +84% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Gardner next to Johnson County, Kansas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Gardner $306,200
  • Johnson $391,200
  • Kansas $217,200
  • United States $332,700
Typical monthly rent
  • Gardner $1,306
  • Johnson $1,434
  • Kansas $1,060
  • United States $1,413
Typical yearly household income
  • Gardner $96,818
  • Johnson $109,208
  • Kansas $74,275
  • United States $80,734
See the full table
Gardner next to Johnson County and Kansas
Measure Gardner Johnson County Kansas U.S.
Typical home value $306,200 $391,200 $217,200 $332,700
Typical monthly rent $1,306 $1,434 $1,060 $1,413
Typical yearly household income $96,818 $109,208 $74,275 $80,734
Households that own their home 68% 69% 67% 65%
Typical yearly property tax $3,464 $4,447 $2,798 $3,119
Effective property tax rate 1.13% 1.14% 1.29% 0.94%
Renters with high rent for their income 40% 42% 43% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Johnson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Gardner

For a typical $306,200 home in Gardner, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gardner's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,588a month

    Least cash to close
    Down payment
    $10,717
    Cash to close
    $19,903
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $135

  • Conventional, 5% down $2,532a month

    Down payment
    $15,310
    Cash to close
    $24,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $145

  • Conventional, 20% down, no PMI $2,075a month

    Down payment
    $61,240
    Cash to close
    $70,426
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,358a month

    Down payment
    $45,930
    Cash to close
    $55,116
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Gardner and for Johnson County.

Property tax

Effective rate in Gardner

1.13%of the home’s value each year

$3,464 a year for the typical owner in Gardner.

  • Gardner 1.13%
  • Johnson 1.14%
  • Kansas 1.29%

What Kansas publishes Residential exemption from the statewide school levy (Kansas Office of Revisor of Statutes (Kansas Statutes Annotated))

Exemptions and deadlines in Kansas

Flood risk in Johnson County

FEMA does not publish these numbers by city: they are for all of Johnson County.

Homes in the high-risk zone
0.4%
800
Of those, with NFIP insurance
25%
County Kansas U.S.
Homes in the high-risk zone 0.4% 2% 3.5%
Of those, with NFIP insurance 25% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gardner

Typical rent in Gardner is $1,306 a month: 9% below the county. In Gardner, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 an hour working full time.

HUD fair market rent for all of Johnson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,257 $24.17 $50,280
1 bedroom $1,366 $26.27 $54,640
2 bedrooms $1,546 $29.73 $61,840
3 bedrooms $2,020 $38.85 $80,800
4 bedrooms $2,419 $46.52 $96,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Gardner

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gardner is in ZIP code 66030.

For 2 bedrooms it is $1,650: $104 more than the fair market rent for Johnson County ($1,546).

  • 66030 $1,650$2,160

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gardner when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Gardner

HUD lists 10 buildings with rents for lower incomes in Gardner. These are the largest.

  • Nottingham Village 29701 W 188th St, Gardner 66030 72 homes, 54 low-income · 2 bd: 36 · 3 bd: 36 · In service since 2016 · For families
  • Bethel Estates of Gardner IV 335 W Madison St, Gardner 66030 48 low-income homes · In service since 2019 · For families
  • Bethel Estates of Gardner II 317 W Madison St, Gardner 66030 48 homes, 47 low-income · 1 bd: 16 · 2 bd: 32 · In service since 2007
  • Brittany Court 151 Brittany Ct, Gardner 66030 45 low-income homes · In service since 2017 · For older adults (913) 856-7826
  • Gardner Estates 130 E Madison St, Gardner 66030 24 low-income homes · 1 bd: 16 · 2 bd: 8 · In service since 1992

See all 49 buildings in Johnson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gardner

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Johnson County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Gardner

No down payment, repair or rent-help program on our list is for Gardner or Johnson County. The ones below are statewide in Kansas: they work in Gardner the same as in the rest of the state.

Which programs do I qualify for? All programs in Kansas

  • First Time Homebuyer Program

    Statewide in Kansas

    Kansas state corporation 0% loan for 15% or 20% of the price for the down payment and closing costs, forgiven after 10 years in the home, for households with income up to 80% of the area median; not available in Johnson County or in Kansas City, Lawrence, Topeka and Wichita. Offered by Kansas Housing Resources Corporation (KHRC).

    Forgivable

    See the program Official page

Housing counselors near Gardner

The HUD-approved agencies closest to the center of Gardner, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Housing of Wyandotte County, Inc.

    2 S 14th St, Kansas City · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (913) 342-7580

  • Cambridge Credit Counseling Corporation - Wichita Branch

    727 N Waco Ave, Wichita · 152 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 757-1788

  • Catholic Charities of Southwest Kansas

    804 N 2nd Ave, Dodge City · 286 miles away · Spanish

    Also serves in Creole, French, and Swahili.

    • Budget and financial counseling
    • Home improvement and repairs
    • and 4 more
    (620) 227-1562

All counseling agencies in Kansas

Help in Spanish near Gardner

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Gardner

HUD’s record names them for Gardner or Johnson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Johnson County: see the list Source: HUD

Cities

Other cities in Johnson County

These cities are also in Johnson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Johnson County Housing in Kansas

Nearby cities

The cities closest to Gardner, with the typical home value.

Neighboring counties

If Johnson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Gardner.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Gardner

Short answers with the numbers for Gardner and all of Johnson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Gardner?

The typical home value in Gardner is $306,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $391,200.

How much does it cost to rent in Gardner?

Typical rent in Gardner is $1,306 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,546.

What is the FHA loan limit in Gardner?

Gardner uses the FHA limit for all of Johnson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Gardner?

The typical homeowner in Gardner pays $3,464 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Johnson County, the rate is 1.14%.

Where can I find free help to buy or rent in Gardner?

We found no HUD-approved counseling agencies with an office in Johnson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).