How much do homeowners pay a month in the Town of Gardiner, NY?

Name: Homeowner costs in the Town of Gardiner, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in the Town of Gardiner, NY pay a median of $2,537 (±$321) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,318 (±$296).

48.6% of owned homes carry a mortgage.

In the Town of Gardiner, the median monthly cost with a mortgage went from $2,458 in 2015–2019 to $2,537 in 2020–2024 (+3.2%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $2,537 (±$321)
Without a mortgage: $1,318 (±$296)
Owned with a mortgage: 48.6%

Monthly owner costs in the Town of Gardiner

Median selected monthly owner costs, estimate (90% margin of error)
	Town of Gardiner	Ulster County	New York	United States
With a mortgage	$2,537 (±$321)	$2,287 (±$50)	$2,555 (±$9)	$1,963
Without a mortgage	$1,318 (±$296)	$953 (±$29)	$958 (±$5)	$638
Owned homes with a mortgage	48.6% (±9.1 points)	56.2% (±1.7 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$8,307 (±$949)	$6,238 (±$115)	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In the Town of Gardiner, the median cost with a mortgage is not measurably different from Ulster County ($2,287).

It is not measurably different from New York ($2,555).

It is higher than the national figure ($1,963).

In Ulster County, the Town of Gardiner ranks 5 of 21 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 94 of 999.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in the Town of Gardiner have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,458 (±$285)	$2,537 (±$321)	+3.2%	Down after inflation
Median real estate taxes	$8,026 (±$898)	$8,307 (±$949)	+3.5%	Down after inflation
Median home value	$325,100 (±$29,663)	$469,200 (±$35,962)	+44.3%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near the Town of Gardiner

Nearest places with a published estimate, compared with the Town of Gardiner
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Town of Gardiner	—	$2,537 (±$321)	—
Town of Shawangunk	5.7 mi	$2,442 (±$129)	Not measurably different
Wallkill (community)	5.9 mi	$2,166 (±$92)	Lower
Town of Plattekill	6.4 mi	$2,526 (±$355)	Not measurably different
Village of New Paltz	6.9 mi	$3,508 (±$1,820)	Not measurably different
Town of New Paltz	7.1 mi	$3,008 (±$361)	Not measurably different
Clintondale	7.5 mi	$3,043 (±$963)	Not measurably different
Kerhonkson	7.7 mi	$1,653 (±$76)	Lower
Pine Bush	8.0 mi	$1,991 (±$328)	Lower

Nearby places with a measurably lower figure: Wallkill (community), NY ($2,166), Kerhonkson, NY ($1,653), Pine Bush, NY ($1,991).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Ulster County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Town of Marlborough	$3,055 (±$281)
2	Town of New Paltz	$3,008 (±$361)
3	Town of Woodstock	$2,933 (±$250)
4	Town of Denning	$2,886 (±$386)
5	Town of Gardiner	$2,537 (±$321)
6	Town of Lloyd	$2,531 (±$253)
7	Town of Plattekill	$2,526 (±$355)
8	Town of Shawangunk	$2,442 (±$129)
9	Town of Rosendale	$2,390 (±$300)
10	Town of Marbletown	$2,328 (±$322)
11	Town of Hurley	$2,312 (±$132)

Showing 11 of 21 places in Ulster County, ranked from highest to lowest.

A New York town includes the villages and hamlets inside it, so the figures for the Town of Gardiner include them.

The figures for the Town of Gardiner include the places inside it that have pages of their own: Gardiner (community).

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Town of Gardiner

What is the average mortgage payment in the Town of Gardiner?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Gardiner, NY is $2,537 (±$321) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in the Town of Gardiner?

Owners without a mortgage in the Town of Gardiner pay a median of $1,318 (±$296) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in the Town of Gardiner gone up?

In the Town of Gardiner, the median monthly cost with a mortgage went from $2,458 in 2015–2019 to $2,537 in 2020–2024 (+3.2%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Gardiner town, Ulster County, New York (county subdivision:28255, in state:36 county:111).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.