Español

Este sitio también está en español. Leer en español

City · 22,941 residents · Nassau County, New York

Garden City , New York

In Garden City, a typical home is worth $1,075,900 and typical rent is $3,265 a month. Compared with all of Nassau County, typical household income is 67% higher, the typical home value is 57% higher, and the share of households that own their home is 12 points higher.

WhatsApp

  • Typical home value

    $1,075,900

    57% above the county

    154% above New York

    • Garden City
    • Nassau
    • New York

  • Typical rent

    $3,265a month

    45% above the county

    101% above New York

    • Garden City
    • Nassau
    • New York

  • Typical household income

    $244,152a year

    67% above the county

    184% above New York

    • Garden City
    • Nassau
    • New York

  • Households that own their home

    94%

    12 points above the county

    39 points above New York

    • Garden City
    • Nassau
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$1,400,021
10.5% more than 12 months ago
Typical rent
$6,343 a month

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

Garden City is in Nassau County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Nassau County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Garden City apart

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

  1. Garden City has the 5th highest typical household income of the 350 cities in New York with more than 5,000 people ($244,152).

  2. Nearby, in Hempstead, the typical home value is $459,500: 57% less than in Garden City ($1,075,900).

  3. The typical home in Garden City is worth $1,075,900, 57% more than in Nassau County as a whole ($684,700).

  4. Nearby, in Hempstead, the typical rent is $1,622: 50% less than in Garden City ($3,265).

  5. The typical rent in Garden City is $3,265 a month, 45% more than in Nassau County as a whole ($2,252).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Garden City rose 10.5%; in New York, it rose 5.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Garden City

What homes there are in Garden City, 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 rules in Garden City: 83% of homes, more than in Nassau County (76%).

Year built

Homes in Garden City are older: the typical year built is 1951; in Nassau County, 1955.

There is more room for a big family here: 82% of homes have 3 bedrooms or more, against 75% in Nassau 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
Monthly rent with utilities

Owners with a mortgage

63%

Nassau County: 62%

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

Homes in Garden City gained value more slowly than in Nassau County: 25% since 2015–2019, against 39%.

Rent in Garden City moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureGarden CityNassau CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.4%5.3%3.4%
People per household 2.862.992.492.53
Drive alone 48%61%49%69%
Carpool 5%7%6%9%
Public transit 17%13%22%3%
Walk or bike 3%2%6%3%
Work from home 28%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Garden City look like those in Nassau County: 2.86 people on average.

In Garden City, 28% of workers work from home, more than in Nassau County (16%).

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 Garden City?

A typical home costs more than the typical income allows

We start with a typical home in Garden City, worth $1,075,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Garden City, which is $244,152 a year. For that payment to be 28% of income, a household would need to earn about $389,465 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Garden City. 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 $37,657 (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

$9,088

at 7.18% · 30 years

Loan amount
$1,056,412
Total interest
$1,519,929
Paid off in
November 2056

Includes $18,169 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,697 a month

  • Tight

    $5,697 to $7,325 a month

  • Hard

    more than $7,325 a month

    Your payment · 45%

Compared with the typical household income in Garden City ($244,152 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$9,088
Principal & interest$7,157
Property tax$834
Home insurance$448
FHA mortgage insurance (MIP)$649

You need at least $37,657 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

Garden City and Nassau County

Garden City is in Nassau County, New York. 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).

Garden City's own numbers

Typical home value
$1,075,900
Typical monthly rent
$3,265
Typical yearly household income
$244,152
Households that own their home
94%
Effective property tax rate
0.93%

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

Numbers for all of Nassau County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,689
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
9.6%

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 Nassau County.

Everything about Nassau County

Buying

Buying a home in Garden City

A typical home in Garden City is worth $1,075,900: 57% above the county and 154% above New York. With the typical household income in Garden City ($244,152 a year), a typical home costs 4.4 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.

  • Garden City 4.4 years
  • Nassau 4.7 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nassau County

According to FHFA’s house price index, home prices in Nassau County rose 82% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +7.0% +6.0% +2.9%
5 years (2020–2025) +45% +52% +47%
10 years (2015–2025) +82% +86% +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

Garden City next to Nassau County, New York and the U.S.

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

Typical home value
  • Garden City $1,075,900
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Garden City $3,265
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Garden City $244,152
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
Garden City next to Nassau County and New York
Measure Garden City Nassau County New York U.S.
Typical home value $1,075,900 $684,700 $423,800 $332,700
Typical monthly rent $3,265 $2,252 $1,621 $1,413
Typical yearly household income $244,152 $146,202 $85,974 $80,734
Households that own their home 94% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 0.93% 1.46% 1.55% 0.94%
Renters with high rent for their income 55% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau 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 Garden City

For a typical $1,075,900 home in Garden City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garden City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $9,088a month

    Least cash to close
    Down payment
    $37,657
    Cash to close
    $69,934
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $649

  • Conventional, 5% down $8,717a month

    Down payment
    $53,795
    Cash to close
    $86,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $511

  • Conventional, 20% down, no PMI $7,113a month

    Down payment
    $215,180
    Cash to close
    $247,457
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $8,108a month

    Down payment
    $161,385
    Cash to close
    $193,662
    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 Garden City and for Nassau County.

Property tax

Effective rate in Garden City

0.93%of the home’s value each year

$10,001 a year for the typical owner in Garden City.

  • Garden City 0.93%
  • Nassau 1.46%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Nassau County

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

Homes in the high-risk zone
9.6%
35,643
Of those, with NFIP insurance
76%
County New York U.S.
Homes in the high-risk zone 9.6% 2% 3.5%
Of those, with NFIP insurance 76% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Garden City

Typical rent in Garden City is $3,265 a month: 45% above the county. In Garden City, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nassau County, by unit size. To pay the 2-bedroom one ($2,689 a month) without spending more than 30% of your income, you would need to earn $51.71 an hour working full time.

HUD fair market rent for all of Nassau 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 $1,964 $37.77 $78,560
1 bedroom $2,285 $43.94 $91,400
2 bedrooms $2,689 $51.71 $107,560
3 bedrooms $3,458 $66.50 $138,320
4 bedrooms $3,671 $70.60 $146,840

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 Garden City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garden City is in ZIP code 11530.

For 2 bedrooms it is $3,150: $461 more than the fair market rent for Nassau County ($2,689).

  • 11530 $3,150$4,080

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garden City 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?

Free help

Help to buy or rent in Garden City

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.

There are 3 HUD-approved agencies with an office in Nassau County; 2 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Garden City

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

Which programs do I qualify for? All programs in New York

Housing counselors near Garden City

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

  • Community Development Corporation of Long Island

    250 Fulton Ave, Hempstead · 2 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (631) 471-1215

  • Family and Children's Association

    377 Oak St, Garden City · 2 miles away · Spanish

    • Reverse mortgage counseling
    516-485-3425-2325

  • Hispanic Brotherhood of Rockville Centre, Inc.

    59 Clinton Ave, Rockville Centre · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (516) 766-6610

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near Garden City

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 Garden City

In HUD’s record, no housing authority with an office in Nassau County is named for Garden City or Nassau County.

11 other authorities have an office in Nassau County: see the list Source: HUD

Cities

Other cities in Nassau County

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

Everything about Nassau County Housing in New York
See 57 more cities in Nassau County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Garden City, with the typical home value.

Neighboring counties

If Nassau 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 Garden City.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Garden City

Short answers with the numbers for Garden City and all of Nassau 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 Garden City?

The typical home value in Garden City is $1,075,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.

How much does it cost to rent in Garden City?

Typical rent in Garden City is $3,265 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $2,689.

What is the FHA loan limit in Garden City?

Garden City uses the FHA limit for all of Nassau County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Garden City?

The typical homeowner in Garden City pays $10,001 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Nassau County, the rate is 1.46%.

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

There are 3 HUD-approved counseling agencies with an office in Nassau County. 2 say they serve in Spanish. 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).