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Gardner has 3,255 housing units, combining houses, condominiums, and apartments. About 71% of housing units in the city are owner-occupied.
About 90% of owner-occupied housing units in Gardner have a mortgage of one type or another. Approximately 15% of housing units in the city carry a second mortgage or home equity loan.
Mortgage and interest rate quotes for the Gardner area (or anywhere else you choose in the US) are available, without obligation or credit checks:
| Category | Value |
|---|---|
| Homes With No Mortgage | 10% |
| With A Mortgage | 90% |
| First Mortgage Only | 74% |
| Second Mortgage or Home Equity Loan | 15% |
| Second Mortgage Only | 11% |
| Home Equity Loan Only | 4% |
| Category | Value |
|---|---|
| Owner Costs as % of Income | 21.4% |
| Median Real Estate Taxes (2000) | $1,319 |
| Category | Value |
|---|---|
| Total Occupied | 3,255 |
| 1-Person Households | 19% |
| 2-Person Households | 27% |
| 3-Person Households | 22% |
| 4-Person Households | 20% |
| 5-Person Households | 9% |
| 6-Person Households | 3% |
| 7+-Person Households | 0% |
| Category | Value |
|---|---|
| Median Year Built | 1992 |
| Median Year Built (Owner Occupied) | 1995 |
| Median Year Built (Renter Occupied) | 1978 |
| Category | Value |
|---|---|
| Using Utility Co. Gas Heat | 86% |
| Using Bottled/Tank Gas Heat | 2% |
| Using Electric Heat | 11% |
| Using Oil Heat | 0% |
| Using Coal | 0% |
| Using Wood Heating | 1% |
| Using Solar Heat | 0% |
| Other Heating | 0% |
| No Heating | 0% |
| Category | Value |
|---|---|
| No Bedrooms | 0% |
| 1 Bedroom | 2% |
| 2 Bedrooms | 14% |
| 3 Bedrooms | 65% |
| 4 Bedrooms | 18% |
| 5+ Bedrooms | 2% |
Rate quotes from multiple lenders for the Gardner area:
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