Total monthly cost of ownership
Cost to Own a Home in Gardnerville Ranchos, Nevada
A $465,000 home here costs
$3,205per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,391. The real number is $815 higher every month — 34% 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 Ranchos against Douglas County and Nevada
| Measure | Gardnerville Ranchos | Douglas County |
|---|---|---|
| Median home value | $464,800 | $587,400 |
| Median property tax | $1,862 | $2,649 |
| Effective tax rate | 0.401% | 0.451% |
| Median gross rent | $1,456 | $1,545 |
| Population | 12,185 | 49,624 |
The weather behind that power bill
Gardnerville Ranchos 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 Ranchos?
A $465,000 home in Gardnerville Ranchos, Nevada costs approximately $3,205 per month with 20% down at 6.66%. That is $2,391 principal and interest, $155 property tax, $81 homeowners insurance, $190 utilities and $388 set aside for maintenance.
What is the property tax rate in Gardnerville Ranchos?
Gardnerville Ranchos has an effective property tax rate of 0.401%, based on a median home value of $464,800 and median real estate taxes of $1,862. That is lower than the Douglas County average of 0.451%.
What is the average home price in Gardnerville Ranchos?
The median owner-occupied home value in Gardnerville Ranchos, Nevada is $464,800, against $587,400 across Douglas County.
Is it cheaper to rent or buy in Gardnerville Ranchos?
Median gross rent in Gardnerville Ranchos is $1,456 a month, against $3,205 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 Ranchos — 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.