Gardner, Colorado.
Typical home $304,247 (-2.6% in a year).
to buy the typical home at today's mortgage rate — +$842 (+111%) since Jan 2020.
- 1 year
- Down $8,090 -3%
- $312,337$304,247 since Sep 2025
- 5 years
- Up $12,146 +4%
- $292,102$304,247 since Sep 2021
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.
- Gardner$1,597
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 85 years.
Typical home values in Gardner, CO fell 2.6% over the past year — slower than the nation's +1.2%.
Living in Gardner, Huerfano County, Colorado
Gardner, in Huerfano County, had 106 people in the 2020 census. Unemployment in Huerfano County was 7.0% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most people in Huerfano County work in schools and health care, then restaurants and hotels.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Gardner is a very small community in Huerfano County, in south-central Colorado. Its winters are colder and snowier than most of the country's, while its summers are warm and its rainfall is light. Gardner is a quiet, rural place, so daily life tends to center on the surrounding land and open skies.
Work. Many residents work in schools, hospitals and social care, or in restaurants, hotels and entertainment. Others work in shops or in professional and business services. Unemployment in the county has risen over the past year, though jobs have grown slightly over the same period.
Things to do. Greenhorn Mountain Wilderness, a protected area, is a short drive away and suits those who enjoy open country and hiking. Great Sand Dunes National Park and Preserve, one of the best known sites in the region, and Zapata Falls, a waterfall, are both a longer drive away.
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What people in Huerfano County work in
Employed residents by industry, from the Census survey. Huerfano County had 1,850 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 40° and lows near 17°; warmest in July, with highs near 82° and lows near 51°. About 51 inches of snow and 14 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Sheep Mountain weather station, 6 miles away (NOAA).
Largest workplaces in Huerfano County
- Spanish Peaks Regional HealthCritical access hospital178FTE
- La Veta School District Re-2School district48FTE
- SieteCivil roadway48
- Huerfano School District Re-1School district43FTE
- SafewaySupermarkets and other grocery stores36
- San Isabel Electric Association- Bear CreekDistribution of electric power24
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 108 people in all across the county; Gardner has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- Winter weatherVery high
- WildfireRelatively high
- HailRelatively high
- Inland floodingRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gardner’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Huerfano County.
Gardner home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gardner$304,247
- Colorado$529,013
- United States$366,157
Sellers are cutting prices on about 1 in 5 Gardner listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Gardner21.16%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gardner24
Zip codes with a Gardner address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gardner — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Gardner
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 81069 | Rye | 1,678 | — | $333,412 |
| 81040 | Gardner | 360 | — | $302,326 |