Gardner, North Dakota.
Typical home $336,175 (+8.5% in a year). Fargo, ND-MN metro.
to buy the typical home at today's mortgage rate — +$713 (+68%) since Feb 2022.
- 1 year
- Up $26,205 +8%
- $309,971$336,175 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.
- Gardner$1,765
- North Dakota$1,526
- United States$1,922
Typical home values in Gardner, ND rose 8.5% over the past year — faster than the nation's +1.2%.
Living in Gardner, Cass County, North Dakota
Gardner is a city of 129 people in Cass County. 98% of its homes are lived in by their owners and 2% are rented. Unemployment in Cass County was 2.0% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most people in Cass County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 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 It can be wrong or out of date.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 city on the North Dakota plains, with far fewer people than most towns and a median age somewhat younger than much of the country. Nearly every home is lived in by its owner, so it is a place of settled households rather than renters coming and going. A four-year degree is held by fewer adults than in many places, and typical home values sit well above what the town's size might suggest.
Work. Residents most often work in schools, hospitals and social care, in shops, in professional and business services, and in manufacturing. Many of the larger workplaces across Cass County are in Fargo, among them Sanford Medical Center - Fargo, North Dakota State University and Fargo 1 Schools. The commute is on the long side, and unemployment across the county is low and a little lower than a year earlier.
Things to do. The Buffalo River is a short drive away and suits time on the water or along its banks. Farther off, in a longer drive, Fargo has the Fargodome, a large stadium, and the Rourke Art Museum. Winters are cold, with snow through the season, and summers are warm, so outdoor plans tend to follow the calendar.
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- 21%of adults have a degree
- 36 mintypical commute
What people in Cass County work in
Employed residents by industry, from the Census survey. Cass County had 128,690 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 17° and lows near -1°; warmest in July, with highs near 82° and lows near 59°. About 41 inches of snow and 25 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Georgetown East weather station, 10 miles away (NOAA).
Largest workplaces in Cass County
- Sanford Medical Center - FargoGeneral hospital6,178FTE
- North Dakota State UniversityUniversity or college2,532
- Fargo 1 SchoolsSchool district1,947FTE
- West Fargo 6 SchoolsSchool district1,944FTE
- Innovis HealthGeneral hospital1,858FTE
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,204
- ND,Fargo-South University Hospital-General Medical And Surgical HospitalsGeneral medical and surgical hospitals1,076
- Marvin Windows and Doors - FargoWood window and door manufacturing914
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 307 workplaces with 20 or more staff, 42,157 people in all across the county; Gardner has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24), school districts from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); 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
- Strong windVery high
- HailVery high
- Winter weatherVery high
- Cold wavesVery high
- Ice stormsRelatively high
- TornadoesRelatively 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 Cass County and the Fargo, ND-MN metro.
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$336,175
- North Dakota$290,657
- United States$366,157
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.
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.
Zillow publishes no zip-level series with this city on the address.