Total monthly cost of ownership
Cost to Own a Home in Gardnerville, Nevada
A $504,000 home here costs
$3,488per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,591. The real number is $897 higher every month — 35% 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.
Gardnerville against Douglas County and Nevada
| Measure | Gardnerville | Douglas County |
|---|---|---|
| Median home value | $504,200 | $587,400 |
| Median property tax | $2,378 | $2,649 |
| Effective tax rate | 0.472% | 0.451% |
| Median gross rent | $1,508 | $1,545 |
| Population | 5,811 | 49,624 |
The weather behind that power bill
Gardnerville sits in Douglas County, which averages a high of 91.2°F in its hottest month and a low of 18.7°F in its coldest, with 9.34" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 385 cooling and 5,805 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Douglas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Douglas County
Common questions
How much does it cost to own a home in Gardnerville?
A $504,000 home in Gardnerville, Nevada costs approximately $3,488 per month with 20% down at 6.66%. That is $2,591 principal and interest, $198 property tax, $88 homeowners insurance, $190 utilities and $420 set aside for maintenance.
What is the property tax rate in Gardnerville?
Gardnerville has an effective property tax rate of 0.472%, based on a median home value of $504,200 and median real estate taxes of $2,378. That is higher than the Douglas County average of 0.451%.
What is the average home price in Gardnerville?
The median owner-occupied home value in Gardnerville, Nevada is $504,200, against $587,400 across Douglas County.
Is it cheaper to rent or buy in Gardnerville?
Median gross rent in Gardnerville is $1,508 a month, against $3,488 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 Gardnerville — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Nevada.
- 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.