Gardnerville Ranchos, NV home prices
Typical home $703,933 · +2.7% in a year · income needed $188,700
The Gardnerville Ranchos, NV metro area ranks 30 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.7% in a year and +7.3% over five years. With 20% down at 7.11%, the typical home costs about $4,402 a month including 0.45% property tax (Douglas County rate).
Mortgage on the typical Gardnerville Ranchos home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $140,787 | $563,146 | $3,788 | $0 | $614 | $4,402 | $188,700 |
| 10% down | $70,393 | $633,540 | $4,262 | $264 | $614 | $5,140 | $220,300 |
| 5% down | $35,197 | $668,736 | $4,499 | $279 | $614 | $5,391 | $231,100 |
| 3.5% down (FHA) | $24,638 | $691,183 | $4,650 | $311 | $614 | $5,575 | $238,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Gardnerville Ranchos area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Douglas County, NV | $703,952 | +2.7% | 0.45% |
What can you afford in Nevada on your salary? · Nevada home prices · Salaries in Nevada
Frequently asked questions
How much is a house in Gardnerville Ranchos?
The typical home in the Gardnerville Ranchos, NV metro area is worth $703,933 (Zillow, September 2026).
What salary do you need to buy a house in Gardnerville Ranchos?
About $188,700 a year for the typical home with 20% down at 7.11%.