HomeNorth DakotaCass CountyGardner
Gardner, North Dakota: commercial real estate data.
Gardner is a Census city of 125 people across 0.50 square miles of land, in Cass County. Median household income is $103,750, 97.8 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $150,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gardner
What Gardner is
- Census place typecity
- Land area0.5 sq mi
- Water area0 sq mi
- Population per square mile of land252 plus or minus 89
- County holding the largest share of its areaCass 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.
Gardner
How many people live in Gardner
- Population125 plus or minus 44
- Median age35.1
- Population under 1847 plus or minus 22
- Share under 1837.6 percent plus or minus 11.7
- Population 65 and over8 plus or minus 12
- Share 65 and over6.4 percent plus or minus 9.7
- Households46 plus or minus 19
- Family households31 plus or minus 14
- Share of households that are families67.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
Income and work in Gardner
- Median household income$103,750 plus or minus $36,526
- Per capita income$43,238
- Civilian labor force70 plus or minus 25
- Employed70 plus or minus 25
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over76 plus or minus 25
- Adults 25 and over with a high school diploma or higher93.4 percent
- Adults 25 and over with a bachelor degree or higher21.1 percent plus or minus 14.5
- Adults 25 and over with a graduate degree0.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
Housing in Gardner
- Housing units60 plus or minus 22
- Occupied units46 plus or minus 19
- Vacant units14 plus or minus 16
- Vacancy rate23.3 percent plus or minus 25.3
- Owner occupied45 plus or minus 18
- Renter occupied1 plus or minus 2
- Ownership rate97.8 percent plus or minus 56.2
- Median owner-occupied home value$276,800
- Single family units59 plus or minus 23
- Share single family98.3 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes1 plus or minus 2
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
How Gardner gets to work
- Workers 16 and over who commute58 plus or minus 23
- Commuting under 15 minutes0
- Share commuting under 15 minutes0.0 percent
- Commuting 30 minutes or more32 plus or minus 23
- Share commuting 30 minutes or more55.2 percent plus or minus 33.4
- Drove alone75.7 percent plus or minus 16.0
- Carpooled7.1 percent plus or minus 8.2
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home17.1 percent plus or minus 11.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
SBA loans in Gardner (7(a))
- Approvals1
- Gross approval$150,000
- Average approval$150,000
- Median approval$150,000
- Largest approval$150,000
- Jobs supported3
- Jobs per approval3.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises100.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Gardner, in any county, FY2020 to FY2026. Only 0 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.
Gardner
Flood risk in Gardner
- NFIP communityTownship of Gardner
- NFIP community number380266
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/05/25
The Township of Gardner participates in the National Flood Insurance Program as community 380266 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.
Cass County, not Gardner
Cass County context, not Gardner figures
- Establishments in Cass County5,988
- Covered employment, Cass County128,033
- Average annual pay, Cass County$66,805
- Housing units permitted, Cass County1,223
Every figure in this section is published for Cass County as a whole and is not a measurement of Gardner.
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
Gardner questions, answered from the record.
How many people live in Gardner, North Dakota?
125, in 46 households. Gardner city covers 0.50 square miles of land, which is 252 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gardner in?
Cass 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 Gardner?
$103,750. The median owner-occupied home is valued at $276,800. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gardner businesses?
1 7(a) approvals totaling $150,000 since FY2020, across 1 lenders, median approval $150,000. These count approvals to borrowers whose address is in Gardner, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gardner borrowers get paid back?
No rate is published for Gardner. Only 0 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 Gardner in the National Flood Insurance Program?
Yes. Gardner appears in the FEMA Community Status Book as Gardner, township of, community 380266, 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 Gardner figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cass 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 Gardner.
Is zoning published for Gardner?
No. Nothing on this page presents parcel level zoning.