Total monthly cost of ownership
Cost to Own a Home in Gardner, Kansas
A $276,000 home here costs
$2,284per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,419. The real number is $865 higher every month — 61% more than the payment most buyers budget for.
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 $136 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
Common questions
How much does it cost to own a home in Gardner?
A $276,000 home in Gardner, Kansas costs approximately $2,284 per month with 20% down at 6.66%. That is $1,419 principal and interest, $270 property tax, $161 homeowners insurance, $204 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 $2,284 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
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.