Total monthly cost of ownership
Cost to Own a Home in Gardner, Kansas
A $276,000 home here costs
$2,392per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $102,500 a year.
A standard mortgage calculator would have told you $1,529. The real number is $863 higher every month, 56% more than the payment most buyers budget for.
Compare Johnson County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Gardner against Johnson County and Kansas
| Measure | Gardner | Johnson County |
|---|---|---|
| Median home value | $276,000 | $366,000 |
| Median property tax | $3,244 | $4,221 |
| Effective tax rate | 1.175% | 1.153% |
| Median gross rent | $1,296 | $1,385 |
| Population | 24,020 | 614,764 |
The weather behind that power bill
Gardner sits in Johnson County, which averages a high of 87.5°F in its hottest month and a low of 21.2°F in its coldest, with 37.74" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 1,351 cooling and 4,926 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Johnson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Johnson County
Talk to someone who works this market
These are Gardner averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Gardner every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Gardner I already own here and may sell
Common questions
How much does it cost to own a home in Gardner?
A $276,000 home in Gardner, Kansas costs approximately $2,392 per month with 20% down at 7.4%. That is $1,529 principal and interest, $270 property tax, $161 homeowners insurance, $202 utilities and $230 set aside for maintenance.
What is the property tax rate in Gardner?
Gardner has an effective property tax rate of 1.175%, based on a median home value of $276,000 and median real estate taxes of $3,244. That is higher than the Johnson County average of 1.153%.
What is the average home price in Gardner?
The median owner-occupied home value in Gardner, Kansas is $276,000, against $366,000 across Johnson County.
Is it cheaper to rent or buy in Gardner?
Median gross rent in Gardner is $1,296 a month, against $2,392 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Gardner?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Gardner, Kansas at today's rate takes a household income of roughly $102,500 a year. That covers the full $2,392 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Gardner, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Kansas.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.