81040
Gardner, Colorado.
Gardner, Huerfano County, CO · population 360
to buy the typical home at today's mortgage rate — $124 (-7%) since Dec 2023.
- 1 year
- Down $12,245 -4%
- $314,572$302,326 since Sep 2025
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 81040$1,587
- United States$1,922
Typical home values in zip 81040 fell 3.9% over the past year — slower than the nation's +1.2%.
Zillow also publishes an index for the city itself: Gardner, CO — measured over the city limits, which is a different area from this zip.
Typical home value — 81040
Mid-tier homes, smoothed and seasonally adjusted.
- 81040$302,326
- United States$366,157
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.