Median Income
$82,125
9% higher than US avg
Home Value
$183,300
35% lower than US avg
Violent Crime
148/100K
61% lower than US avg
Bachelor's+
17.4%
48% lower than US avg
Median Rent
$1,024
12% lower than US avg
Obesity Rate
37.7%
17% higher than US avg
Unemployment
9.2%
156% higher than US avg
Poverty Rate
15.8%
27% higher than US avg
How Gardner Compares to the U.S. Average (100% = U.S. avg)
People
Population1,319
Median Age38.5 yrs
Density453/mi²
Male / Female53% / 47%
Largest GroupWhite 89%
Veterans13.1%
Economy
B
Median Income$82,125
Per Capita$40,031
Unemployment9.2%
Poverty15.8%
County GDP$6,044M
Commute30 min
Housing
A+
Home Value$183,300
Rent$1,024
Ownership77.1%
Zillow$200,047
Housing Units595
Rent Burden23.8%
Crime
F
Violent148/100K
Property890/100K
Health
Obesity37.7%
Uninsured9.1%
Smoking16.3%
Depression23.9%
Heart Disease5.8%
Climate
Avg Temp49°F (10°C)
AQI43 (Good)
Rain37.7 in/yr
Sunny Days275/yr
Elevation577 ft (176 m)
Education
C
Bachelor's+17.4%
High School+91.8%
Graduate+1.9%
School Score6.08
Community
2024 VoteR 64% / D 34%
Commute30 min
Broadband85.2%
EV Stations2
Libraries3
Is Gardner a Good Place to Live?
Based on current data, Gardner receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include above-average unemployment. Gardner has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Gardner is $82,125, roughly in line with the national average of $75,149. At 9.2%, unemployment is notably high. The poverty rate of 15.8% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Gardner is $183,300, 35% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,024 per month, below the national average / a plus for affordability. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Gardner is a very safe community with a violent crime rate of 148 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 890 per 100,000, 55% below the national average.
Education
17.4% of residents hold a bachelor's degree, below the national average of 33.7%. 91.8% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Gardner experiences four distinct seasons with an average temperature of 49°F. Winters average 22°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 37.7 inches, including 23.3 inches of snow. Air quality is rated Good with a median AQI of 43.
Gardner has a population of 1,319 with a density of 453 people per square mile, spread across 1.1 square miles. The median age is 38.5 years, 1% younger than the national median of 38.9. The gender split is 46.8% female and 53.2% male. The city is predominantly White (88.6%). English is the primary language spoken at home by 95.1% of residents. 13.1% of the population are veterans, above the national rate of 6.0%. 10.3% of residents have a disability (below the 13.0% national average). 95.1% have health insurance coverage.
Population
38.5yrs
Median Age
1% below US avg
Language Spoken at Home
English Only
95.1%
21% above US avg
Spanish
4.9%
63% below US avg
The median household income in Gardner is $82,125, which is 9% above the national average of $75,149. Per capita income is $40,031. The average weekly wage is $1,344. The unemployment rate is 9.2% (above the 3.6% US average). 15.8% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 1,204 business establishments, including 130 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 30 minutes. 0.3% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $82,125 |
| 9% above US avg |
| Per Capita Income | $40,031 |
| Avg Weekly Wage | $1,344 |
| IRS Avg AGI | $81,890 |
| Gini Index | 0.396 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 9.2% |
| 156% above US avg |
| Poverty Rate | 15.8% |
| 27% above US avg |
| Establishments (County) | 1,204 |
| County GDP | $6,044M |
Business (County)
| Restaurants | 130 |
| Healthcare | 145 |
| Retail | 162 |
| Manufacturing | 43 |
Tax & Cost of Living
| Property Tax (IRS) | $6,618 |
| 89% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 3.61% |
Commute & Transportation
| Commute Time | 29.6 min |
| Drive Alone | 95.7% |
| Public Transit | 0.0% |
| Work from Home | 0.3% |
The median home value in Gardner is $183,300, 35% below the national median of $281,900. Zillow estimates the typical home value at $200,047. Homes sell for 95.2% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,024 (12% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 77.1% of housing units are owner-occupied (above the 65.4% national rate). There are 595 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $6,618 (higher than the $3,500 national average). 23.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $183,300 |
| 35% below US avg |
| Zillow ZHVI | $200,047 |
| Median List Price | $222,750 |
Real Estate Market (Redfin)
| Median List Price | $222,750 |
| $/Sq Ft | $71 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 95.2% |
| Price Drops | 0.0% |
| Inventory | 6 |
Rental Costs
| Census Median Rent | $1,024 |
| 12% below US avg |
| Rent Burden | 23.8% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 77.1% |
| Owner-Occupied | 77.1% |
| Renter-Occupied | 22.9% |
| Housing Units | 595 |
| Median Year Built | 1965 |
Property Tax
| Avg Tax (IRS) | $6,618 |
| 89% above US avg |
| Effective Rate | 3.61% |
In Gardner, 37.7% of adults are obese, above the national rate of 32.1%. 9.9% have diabetes. Heart disease affects 5.8% of residents. 31.4% have high blood pressure. 16.3% are current smokers. 21.2% report binge drinking. 24.4% are physically inactive. 23.9% report depression (above the 20.0% national average). 19.0% experience frequent mental distress. 9.1% of residents lack health insurance. The primary care physician ratio is 1:3,117. The dentist ratio is 1:2,792. 78.7% of residents have access to exercise opportunities. The food environment index is 8.8 out of 10.
Health Metrics: Gardner vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.7% |
| 17% above US avg |
| Diabetes | 9.9% |
| Heart Disease | 5.8% |
| High Blood Pressure | 31.4% |
| Asthma | 10.5% |
| COPD | 7.1% |
| Cancer | 7.3% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 16.3% |
| 16% above US avg |
| Binge Drinking | 21.2% |
| Physical Inactivity | 24.4% |
| Depression | 23.9% |
| Mental Distress | 19.0% |
| Physical Distress | 13.3% |
| Short Sleep | 36.4% |
Healthcare Access
| Insurance Rate | 95.1% |
| Uninsured | 9.1% |
| 6% above US avg |
| Primary Care | 1:3,117 |
| Dentists | 1:2,792 |
| Mental Health | 1:530 |
| Checkup Rate | 75.3% |
| Dental Visits | 60.3% |
| Premature Death | 7,576/100K |
Food & Exercise
| Food Environment | 8.8/10 |
| Exercise Access | 78.7% |
| Healthcare Facilities | 145 |
Gardner has a violent crime rate of 148 per 100,000 residents, 61% below the national average of 380. Property crime stands at 890 per 100,000, 55% below the U.S. average. The county recorded 5 fatal traffic crashes. Overall, Gardner receives a safety grade of F.
Crime Rates: Gardner vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 148.4/100K |
| 61% below US avg |
| |
Property Crime
| Total Property | 890.2/100K |
| 55% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Traffic Accidents | 51 |
| Avg Accident Severity | 2.9 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Gardner experiences four distinct seasons with an average annual temperature of 49°F (10°C). Winters average 22°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 37.7 inches. The area receives 23.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 577 feet.
Temperature
22°F Jan (-5°C)
73°F Jul (23°C)
| Annual Average | 49.3°F |
| 9% below US avg |
| January Average | 22°F (-5°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 577 ft (176 m) |
| Area | 1.1 sq mi (2.9 km²) |
| Population Density | 453/sq mi |
| Coordinates | 41.1945°N, 88.3115°W |
| Timezone | America/Chicago |
| County | Grundy County County |
| Nearest Airport | Joliet Regional (JOT) 23 miles away |
Precipitation & Snow
Annual Rainfall
37.7"
1% below US avg
Wettest Month (Jun)
3.98"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 66.5 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 99.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
8 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M2.6 on Mar 15, 2025.
| Jun 28, 2004 |
12 km NW of Dayton, Illinois |
M4.2 |
57 km |
| Feb 10, 2010 |
2 km NW of Lily Lake, Illinois |
M3.8 |
88 km |
| Sep 2, 1999 |
8 km W of Amboy, Illinois |
M3.5 |
110 km |
| Nov 4, 2013 |
1 km SSW of Lyons, Illinois |
M3.2 |
79 km |
| Jul 15, 2024 |
2 km WNW of Somonauk, Illinois |
M3.1 |
60 km |
| Mar 25, 2015 |
3 km WNW of Lake in the Hills, Illinois |
M2.9 |
111 km |
| Jun 10, 2013 |
4 km NNE of Virgil, Illinois |
M2.6 |
90 km |
| Mar 15, 2025 |
6 km W of Dwight, Illinois |
M2.6 |
20 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
724 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 87 fatalities, 1,549 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 28, 1990 |
EF5 |
54 km |
29 |
| Jul 13, 2004 |
EF4 |
96 km |
0 |
| Jun 29, 1979 |
EF4 |
37 km |
0 |
| Jun 13, 1976 |
EF4 |
59 km |
2 |
| Apr 21, 1967 |
EF4 |
66 km |
33 |
| Apr 17, 1963 |
EF4 |
18 km |
1 |
| Jun 20, 2021 |
EF3 |
62 km |
0 |
| Feb 28, 2017 |
EF3 |
55 km |
2 |
| Feb 28, 2017 |
EF3 |
93 km |
0 |
| Jun 22, 2015 |
EF3 |
14 km |
0 |
| Jun 5, 2010 |
EF3 |
37 km |
0 |
| Jun 5, 2010 |
EF3 |
49 km |
0 |
| Apr 20, 2004 |
EF3 |
81 km |
8 |
| Mar 27, 1991 |
EF3 |
46 km |
0 |
| Apr 27, 1984 |
EF3 |
40 km |
1 |
| Apr 2, 1982 |
EF3 |
32 km |
0 |
| Jun 30, 1977 |
EF3 |
72 km |
0 |
| Mar 12, 1976 |
EF3 |
56 km |
1 |
| Mar 12, 1976 |
EF3 |
49 km |
0 |
| Jun 20, 1974 |
EF3 |
75 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
Highest wave on record: 3.0 m (10 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1954 |
MICHIGAN CITY, IN (LAKE MICHIGAN) |
Avalanche |
3.0 m |
7 |
132 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
9 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,741 ac, 2019).
| Year |
Name |
Acres |
Distance |
| 2019 |
UNNAMED |
1,741 |
24 km |
| 2019 |
UNNAMED |
1,664 |
26 km |
| 2000 |
UNNAMED |
1,602 |
66 km |
| 2021 |
NORTHEAST PRAIRIE UNIT 3 |
978 |
30 km |
| 2024 |
NORTHEAST PRAIRIE 3 RX |
938 |
31 km |
| 2021 |
UNNAMED |
738 |
31 km |
| 2021 |
MIDDLE GRANT CREEK |
700 |
24 km |
| 2019 |
UNNAMED |
698 |
31 km |
| 2017 |
UNNAMED |
549 |
23 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
22°F (-5°C) |
1.5 in |
Coldest |
| February |
28°F (-2°C) |
1.4 in |
Driest |
| March |
39°F (4°C) |
2.8 in |
|
| April |
50°F (10°C) |
3.7 in |
|
| May |
61°F (16°C) |
3.9 in |
|
| June |
70°F (21°C) |
4.0 in |
Wettest |
| July |
73°F (23°C) |
3.9 in |
Warmest |
| August |
72°F (22°C) |
3.5 in |
|
| September |
65°F (18°C) |
3.6 in |
|
| October |
54°F (12°C) |
2.6 in |
|
| November |
41°F (5°C) |
2.9 in |
|
| December |
29°F (-2°C) |
2.5 in |
|
Gardner has a seasonal temperature swing of 51°F / from 22°F in January to 73°F in July. Total annual precipitation is 36.4 inches, with June being the wettest month (4.0") and February the driest (1.4").
Average costs for common services in Gardner. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,144 |
| Toddler | $888 |
| Preschool | $820 |
| Family Childcare (monthly) |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Gardner
What is the population of Gardner?
Gardner has a population of 1,319 residents and is located in Illinois. The population density is 453 people per square mile, spread across 1.1 square miles. The median age of residents is 38.5 years. The population is 46.8% female and 53.2% male.
Is Gardner expensive to live in?
Gardner has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $82,125, 9% above the national average of $75,149. The median home value is $183,300 (35% below the U.S. median). Renters pay a median of $1,024 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, indicating housing is reasonably affordable relative to local income levels.
Is Gardner safe?
Gardner is considered a very safe city with a violent crime rate of 148 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 890 per 100,000 (below the national average). Overall, Gardner receives a safety grade of F based on combined crime data.
What is the weather like in Gardner?
Gardner has a four-season climate with an average annual temperature of 49°F (10°C). Winter temperatures average 22°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 37.7 inches, with 23.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Gardner?
The job market in Gardner faces challenges, with unemployment at 9.2% / significantly above the national rate of 3.6%. The average weekly wage is $1,344. There are 1,204 business establishments in the area, including 130 restaurants and food service locations. The average commute time is 30 minutes, and 0.3% of workers work from home.
How much does housing cost in Gardner?
The median home value in Gardner is $183,300. Zillow estimates the typical home value at $200,047. For renters, the median monthly rent is $1,024. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 77.1%. The average annual property tax is $6,618.
How are the schools in Gardner?
Schools in Gardner score 6.1 out of 10 on standardized testing, near the national average. 17.4% of adults in Gardner hold a bachelor's degree or higher, below the national average of 33.7%. 91.8% have completed high school. 1.9% hold a graduate or professional degree.
How healthy is Gardner?
The obesity rate in Gardner is 37.7% (above the national rate of 32.1%). 16.3% of adults are smokers. 24.4% are physically inactive. 23.9% of residents report depression. 9.1% lack health insurance. 78.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,117.
What is transportation like in Gardner?
The average commute in Gardner is 30 minutes. 95.7% of workers drive alone to work, and 0.3% work from home.
What are the demographics of Gardner?
The racial and ethnic makeup of Gardner is 88.6% White. 95.1% of residents speak only English at home, while 4.9% speak Spanish. 13.1% of the population are military veterans. 10.3% of residents have a disability. 95.1% have health insurance coverage.