Median home value in zip code 81040 (Gardner, CO) is $299K, down 3.4% year over year.

Home Value$299,227

YoY Change

-3.4%

AFFORDABILITY

Enter your income for 81040 (Gardner).

Income (annual)

Down Payment

$59,845 on $299,227

Stretch — 29.4% of income

Above 28% but manageable with cuts.

PITI$1,840

P/I29.4%

Afford$285K

Gap-$15K

P&I $1,513Tax $127Ins $200

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

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.