Gardner, Huerfano County, Colorado Property Taxes
Property Taxes in Gardner, Colorado
Median Gardner, Colorado effective property tax rate: 0.52%, significantly lower than the national median of 1.02%, and slightly higher than the Colorado state median of 0.50%.
Median Gardner, Colorado home value: $61,858
Median annual Gardner, Colorado tax bill: $257, lower than the national median property tax bill of $2,400.
How are property taxes in Huerfano calculated?
Property taxes in Gardner, Colorado are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Gardner's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Gardner, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Gardner, Huerfano County, Colorado Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.52%
Estimate Property Tax Bill
$322
$298
How Does the Gardner Property Tax Calculator Work?
Use this Gardner property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Gardner's median effective tax rate of 0.52% — based on actual property records in Huerfano County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Gardner's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Gardner: rates range from 0.52% in 81040 to 0.52% in 81040, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Gardner.
About Gardner Property Taxes
About Property Taxes in Gardner, Huerfano, Colorado
Gardner’s median effective property tax rate of 0.52% is higher than the Colorado state median of 0.50% and lower than the national median of 1.02%. This rate reflects the Huerfano County base levy combined with local school district levies and metro districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Gardner. Homeowners in the 81040 ZIP code carry a median effective rate of 0.52%, while those in the lowest ZIP code pay 0.52%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Huerfano County. Understanding which part of Gardner you live in can make a meaningful difference to your annual tax bill.
Gardner homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the June 8, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Gardner, Huerfano County, Colorado
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Gardner's effective property tax rate to other cities in Colorado and the median property tax rates in Colorado and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Gardner Tax Rate
0.52%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Huerfano County Tax Rate
0.57%
Median Effective Colorado Tax Rate
0.50%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Gardner, Huerfano County, Colorado
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 81040 | 0.26% | 0.52% | 0.52% | 0.52% | 0.52% |
Source: Ownwell
Property Tax Assessment Values Across Gardner, Huerfano County, Colorado
When examining property taxes in Gardner, Colorado, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Huerfano County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Huerfano County, assessment notices are sent in May each year. They'll typically reach your mailbox by the middle of May.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For Gardner, the median home price is $61,858, and the median tax bill is $257, far below the national median property tax bill of $2,400 and national median property tax rate of 1.02%.
Property Tax Assessment Values Across Gardner, Huerfano County, Colorado
Source: Ownwell
$49,452
$94,355
$139,257
Median Gardner Market Value
$61,858
Median Huerfano County Market Value
$62,032
Median Colorado Market Value
$519,879
Median United States Market Value
$235,294
Property Tax Assessment Values Across Gardner, Huerfano County, Colorado
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 81040 | $14,925 | $14,930 | $61,858 | $118,740 | $276,924 |
Source: Ownwell
Property Tax Bills Across Gardner, Huerfano County, Colorado
Property tax bills in Gardner are based on the assessed value of a home and the local tax rate set for Huerfano County. The assessed value is tied to the market value of the property, so changes in home value can affect what a homeowner owes. With a median home price of $61,858, even small shifts in assessment can influence the final bill.
For many homeowners, the tax bill reflects both the value of the property and the rates applied by local taxing authorities. In Gardner, the median property tax bill is $257, which is far below the national median property tax bill of $2,400 and well under the national median property tax rate of 1.02%. Bills can still vary widely, though, with the 25th percentile at $77 and the 90th percentile at $1,316.
This means property taxes can have a meaningful impact on household budgets, especially when assessments rise faster than expected.
Median Gardner Tax Bill
$257
Median Huerfano County Tax Bill
$324
Median Colorado Tax Bill
$2,732
Median United States Tax Bill
$2,400
Property Tax Bills Across Gardner, Huerfano County, Colorado
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 81040 | $39 | $77 | $257 | $609 | $1,316 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 8 |
Links | |
|---|---|
| Huerfano Tax Assessor | |
| Website | property.spatialest.com |