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Learn about the people, housing, costs and businesses in Gardena, North Dakota
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Gardena.
True all-in cost — P&I, taxes, insurance & utilities for homes in Gardena.
Find and compare lenders active near Gardena.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Gardena.
Seismic risk and earthquake insurance estimates for Gardena.
Wildfire exposure and insurance estimates for Gardena.
As of today, the 30-year fixed mortgage rate for Gardena is approximately 6.874% (6.909% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for GardenaThe median home value in Gardena is $274k. The median monthly rent is $657. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Gardena have increased 1.3% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $790/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $34k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Gardena is $108k/year.
Calculate your buying powerThe largest employment sectors in Gardena are public administration (26%) and healthcare (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.