MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Gardnerville, NV Housing Affordability Index

Gardnerville, Nevada has an MBR Housing Affordability Index score of 73.0 (Moderately Less Affordable) as of October 30, 2026, ranking 52nd most affordable of 54 scored Nevada cities, compared with 86.2 statewide and 97.4 nationally. On a median-priced $487,300 home with 20% down, the Nevada average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $2,629, or 51% of the city’s $62,267 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Gardnerville is updated every night from live Nevada mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Gardnerville MBR-HAI 73.0 Moderately Less Affordable
Rank in Nevada 52 of 54 1 = most affordable
Nevada 86.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Nevada lenders
Median home value $487,300 U.S. Census Bureau

Gardnerville is 13.2 points below the Nevada score. Scores as of October 30, 2026. See the Nevada index

View Gardnerville Mortgage Rates

What It Takes to Buy in Gardnerville

$2,629/mo
Principal & Interest
Median home, 20% down, 7.14%
$112,700
Income Needed
To keep the payment at 28% of income
$62,267
Median Household Income
Nevada: $78,260
7.8x
Price-to-Income Ratio
Nevada: 5.6x
$1,120/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,905/yr
Median Property Tax
0.60% of median value
45.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
61.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Gardnerville, Nevada. The rate is the Nevada average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Gardnerville Ranks in Nevada

Cities with similar scores
#49Reno80.3 #50Zephyr Cove76.6 #51Genoa76.2
#52Gardnerville73.0
#53Kingsbury71.7 #54Incline Village69.6
Powered byMonitorBankRates

Cite the Gardnerville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gardnerville, Nevada score: 73.0 (Moderately Less Affordable), ranked 52 of 54 Nevada cities. monitorbankrates.com/housing-affordability-index/nevada/gardnerville”