Garner, North Carolina.
Typical home $377,966 (-1.8% in a year), asking rent $1,853 (+0.8%). Raleigh-Cary, NC metro.
to buy the typical home at today's mortgage rate — +$1,054 (+113%) since Jan 2020.
- 1 year
- Down $7,042 -2%
- $385,008$377,966 since Sep 2025
- 5 years
- Up $49,829 +15%
- $328,137$377,966 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.
- Garner$1,984
- North Carolina$1,743
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Garner, NC fell 1.8% over the past year — slower than the nation's +1.2%.
Asking rents in Garner, NC rose 0.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in Garner runs $758/mo more than renting one. The gap peaked at $1,027 in Oct 2023.
That is $2,611 a month against $1,853 rent: a $1,984 mortgage payment, plus $223 property tax and $405 insurance & upkeep.
Owning vs renting — Garner
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,611
- Renting$1,853
- Mortgage only$1,984
Property tax · $223/mo 0.71% of value a year — the ACS 2020-2024 median bill over the median home value for Wake County, NC
Insurance & upkeep · $405/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Garner, Wake County, North Carolina
Garner is a town of 31,159 people in Wake County. Half its households earn more than $78,756 a year and half less, against $105,768 across Wake County; 8% of its people live below the poverty line. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Garner was 3.3% in August 2026, and Wake County had 1.9% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
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. Garner is a town in Wake County with a population somewhat larger than a small town's, and its residents are a little younger than the typical American. Most homes are lived in by their owners, though more people rent than across the county as a whole. Household incomes run below the county's, and typical home values and rents sit in the middle of what the Raleigh area offers. Winters are cool and fairly short, summers are hot, and rain falls in ordinary amounts through the year.
Work. Many residents work in professional and business services, in schools, hospitals and social care, in shops, and in the building trades. Among the largest workplaces in Garner are Amazon, the Veterans Health Administration and Walmart. The commute is a moderate one, and a good number of people work from home. Unemployment has eased a little over the past year, and across Wake County the number of jobs has grown.
Things to do. A short drive away, Pullen Park is a public park, and the North Carolina Museum of Natural Sciences and Yates Mill are both museums worth an afternoon. Those who want more room to roam can go a longer drive to Falls Lake, a reservoir, or to William B. Umstead State Park, a protected area of woods and trails.
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- 13,899households
- 46%of adults have a degree
- 8%below the poverty line
- 26 mintypical commute
- 24%work from home
What residents work in
Employed residents by industry, from the Census survey. Wake County had 665,775 jobs in 2025, 1.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 52° and lows near 28°; warmest in July, with highs near 88° and lows near 67°. About 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Garner weather station, 3 miles away (NOAA).
Largest workplaces in Garner
- AmazonGeneral warehousing and storage4,595
- Veterans Health AdministrationFederal government · Department of Veterans Affairs447
- WalmartWarehouse clubs and supercenters305
- Costco WholesaleWholesale grocer266
- The Martin-Brower Company255
- TargetDiscount department stores228
- AmazonCouriers and express delivery services220
- Duke EnergyElectric power distribution187
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 68 workplaces with 20 or more staff, 9,752 people in all. Federal offices come from OPM's federal workforce data (2026). 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
- HailRelatively moderate
- Heat wavesRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Garner’s census tracts, against the rest of the country; all of them together, relatively low. 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 Wake County and the Raleigh-Cary, NC metro.
Garner home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Garner$377,966
- North Carolina$332,159
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Garner listings, and the typical home goes pending in 40 days — the market is cooling.
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.
- Garner35.36%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Garner40
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Garner212
New listings per month
Sellers arriving at the market.
- Garner55
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Garner$375,267
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Garner98.58%
Zip codes with a Garner address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Garner — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.