HomeNew YorkUlster CountyGardiner
Gardiner, New York: commercial real estate data.
Gardiner is a Census CDP of 1,210 people across 3.86 square miles of land, in Ulster County. Median household income is $112,411, 43.9 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $380,200 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
This is a small place, and the figures below carry wide margins.
The American Community Survey reaches Gardiner through a sample, not a count, and in a place this size that sample is thin. The population estimate here is 1,210 with a margin of error of plus or minus 862, which is 71.2 percent of the estimate itself. Every figure whose margin reaches 20 percent is printed with that margin beside it, so you can see the width of each one rather than having to assume it.
Nothing has been removed or adjusted. These are the published federal estimates, shown with the uncertainty the Census publishes alongside them.
Gardiner
What Gardiner is
- Census place typeCDP
- Land area3.86 sq mi
- Water area0 sq mi
- Population per square mile of land313 plus or minus 223
- County holding the largest share of its areaUlster County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
How many people live in Gardiner
- Population1,210 plus or minus 862
- Median age42.7 plus or minus 23.9
- Population under 18401 plus or minus 276
- Share under 1833.1 percent plus or minus 32.8
- Population 65 and over40 plus or minus 49
- Share 65 and over3.3 percent plus or minus 3.3
- Households353 plus or minus 138
- Family households223 plus or minus 135
- Share of households that are families63.2 percent plus or minus 29.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
Income and work in Gardiner
- Median household income$112,411 plus or minus $65,115
- Per capita income$43,100 plus or minus $35,921
- Civilian labor force608 plus or minus 367
- Employed608 plus or minus 367
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over684 plus or minus 343
- Adults 25 and over with a high school diploma or higher100.0 percent plus or minus 67.6
- Adults 25 and over with a bachelor degree or higher17.4 percent plus or minus 8.8
- Adults 25 and over with a graduate degree9.5 percent plus or minus 10.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
Housing in Gardiner
- Housing units367 plus or minus 137
- Occupied units353 plus or minus 138
- Vacant units14 plus or minus 23
- Vacancy rate3.8 percent plus or minus 6.1
- Owner occupied155 plus or minus 96
- Renter occupied198 plus or minus 134
- Ownership rate43.9 percent plus or minus 21.1
- Median owner-occupied home value$568,600 plus or minus $217,328
- Median gross rent, monthly$1,775 plus or minus $1,357
- Annual rent as a share of median income18.9 percent plus or minus 18.2
- Single family units302 plus or minus 141
- Share single family82.3 percent plus or minus 22.9
- Units in buildings of two or more65 plus or minus 61
- Share in buildings of two or more17.7 percent plus or minus 15.2
- Mobile homes0
- Median year structure built1966
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
How Gardiner gets to work
- Workers 16 and over who commute367 plus or minus 201
- Commuting under 15 minutes151 plus or minus 133
- Share commuting under 15 minutes41.1 percent plus or minus 28.5
- Commuting 30 minutes or more114 plus or minus 94
- Share commuting 30 minutes or more31.1 percent plus or minus 19.2
- Drove alone74.2 percent plus or minus 34.8
- Carpooled0.0 percent
- Public transport0.0 percent
- Walked20.7 percent plus or minus 26.3
- Worked from home5.2 percent plus or minus 6.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
SBA loans in Gardiner (7(a))
- Approvals3
- Gross approval$380,200
- Average approval$126,733
- Median approval$20,200
- Largest approval$350,000
- Jobs supported52
- Jobs per approval17.3
- Loans with a final outcome3
- Paid in full1
- Charged off2
- Median term22 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Gardiner, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gardiner
SBA loans in Gardiner (504)
- Approvals4
- Gross approval$2,128,000
- Average approval$532,000
- Median approval$602,500
- Largest approval$808,000
- Jobs supported29
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Gardiner, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gardiner
Flood risk in Gardiner
- NFIP communityTown of Gardiner
- NFIP community number360856
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The Town of Gardiner participates in the National Flood Insurance Program as community 360856 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ulster County, not Gardiner
Ulster County context, not Gardiner figures
- Establishments in Ulster County5,065
- Covered employment, Ulster County59,330
- Average annual pay, Ulster County$61,154
- Housing units permitted, Ulster County521
Every figure in this section is published for Ulster County as a whole and is not a measurement of Gardiner.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Gardiner questions, answered from the record.
How many people live in Gardiner, New York?
1,210, in 353 households. Gardiner CDP covers 3.86 square miles of land, which is 313 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gardiner in?
Ulster County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gardiner?
$112,411. The median owner-occupied home is valued at $568,600. Median gross rent is $1,775 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gardiner businesses?
3 7(a) approvals totaling $380,200 since FY2020, across 2 lenders, median approval $20,200, plus 4 504 approvals worth $2.1 m since FY2010. These count approvals to borrowers whose address is in Gardiner, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gardiner borrowers get paid back?
No rate is published for Gardiner. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Gardiner in the National Flood Insurance Program?
Yes. Gardiner appears in the FEMA Community Status Book as Gardiner, town of, community 360856, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Gardiner figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ulster County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gardiner.
Is zoning published for Gardiner?
No. Nothing on this page presents parcel level zoning.