Median home value: $204K (+7.4% YoY). Part of Chicago-Naperville-Elgin, IL-IN-WI.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Chicago-Naperville-Elgin, IL-IN-WI metro page.
Home Value$204,307
+7.4%
AFFORDABILITY6.00% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for Gardner.
$40,861 on $204,307
Affordable — 24.2% of income
Under the 28% guideline.
PITI$1,510
P/I24.2%
Afford$237K
Room+$32K
P&I $980Tax $380Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing