The median home in Gardner, North Dakota is valued at $323,815, up 9.6% year over year. Gardner is part of the Fargo, ND-MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Fargo, ND-MN stress score, crash risk, and 12-month forecast →

Home Value$323,815

+9.6%

AFFORDABILITY

Enter your income for Gardner.

Income (annual)

Down Payment

$64,763 on $323,815

Stretch — 32.8% of income

Above 28% but manageable with cuts.

PITI$2,052

P/I32.8%

Afford$276K

Gap-$48K

P&I $1,637Tax $264Ins $150

6.50% 30yr, 20% down, county tax + ND ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in North Dakota

Compare Gardner with other housing markets across North Dakota.

Reiles Acres$559K Baldwin$470K Argusville$415K Kindred$392K Horace$390K Colfax$385K Harwood$381K Menoken$376K

Full Fargo, ND-MN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Fargo, ND-MN metro.

View Fargo, ND-MN metro →

GARDNER, ND