Gardner Homes with USDA Loan Financing

Welcome to Gardner, a charming city located in Johnson County, Kansas. Known for its friendly community and picturesque surroundings, Gardner offers a perfect blend of small-town charm and modern amenities.

As a resident of Gardner, you'll enjoy easy access to top-rated schools, beautiful parks, and a variety of local shops and restaurants. The city's convenient location in Johnson County provides residents with a short commute to nearby cities like Olathe and Overland Park, making it an ideal place to call home for families and professionals alike.

If you're considering purchasing a home in Gardner, you'll be pleased to know that many properties in the area are eligible for USDA loan financing. This type of loan offers low-interest rates and flexible credit requirements, making it an attractive option for first-time homebuyers and those looking to invest in rural or suburban areas.

Whether you're searching for a cozy bungalow or a spacious family home, Gardner has a diverse range of real estate options to suit your needs. Let us help you find your dream home in this vibrant city and experience the best of small-town living in the heart of Johnson County, Kansas.

Newest Gardner Homes with USDA Loan Financing

$289,950

2 Beds ⋅ 2 Baths

Ranch with full basement in Gardner. This half duplex has a fabulous floor plan, open living spaces, and private bedroom areas on each end of the house. Fresh paint and new carpet throughout. The basement is sheet rocked and is ready for the finishing touches for a third bedroom, a bathroom, and additional living space. Enjoy the fall evenings on the new deck right off of the living room. Lots of storage space in the garage as well. Come and check out this one level living layout today!

792 S Poplar Street, Gardner

Listing courtesy of Tammy Waterman of Crown Realty.

$304,491

3 Beds ⋅ 2 Baths

Ask about current builder purchase incentives available for this home! Welcome to Cypress Creek! Nestled on a corner homesite backing to green space, this new single-story home is perfect for modern lifestyles. An inviting open-concept layout blends the kitchen, living and dining areas to maximize interior space, with a nearby covered patio for simple indoor-outdoor living. All three bedrooms are tucked away to the side for optimal comfort and privacy, including the luxe owner’s suite at the back of the home with a full bathroom and walk-in closet. This new community of single family homes offers easy access to both Olathe and downtown Kansas City, and the city of Gardner boasts excellent schools, parks and family-friendly entertainment destinations. Contact Lennar today to learn more!

758 N Buckeye Street, Gardner

Listing courtesy of Lennar Team of Platinum Realty LLC.

$346,995

3 Beds ⋅ 2 Baths

Beautiful 3-bedroom, 2 bath home backing to peaceful green space! This thoughtfully designed single-story home features an open-concept layout with stainless steel appliances, spacious living and dining areas, and a covered patio perfect for relaxing or entertaining. The private primary suite includes a walk-in closet and en-suite bath, while two secondary bedrooms share a full bath. A stone front elevation adds curb appeal.

757 N Buckeye Street, Gardner

Listing courtesy of Lennar Team of Platinum Realty LLC.

$335,000

3 Beds ⋅ 2 Baths

Welcome to 526 N Pear Street! Built in 2023, this beautifully maintained 3-bedroom, 2-bath ranch offers the ease of newer construction with thoughtful upgrades already completed for you. Located in a beautiful newer Gardner neighborhood, this home has established sod, landscaping, a sprinkler system and a cedar privacy fence—no waiting for your outdoor spaces to come together. Inside, you’ll find updated flooring throughout, upgraded interior and exterior lighting, upgraded ceiling fans and a bright, welcoming floor plan. The kitchen features upgraded granite countertops, an undermount sink, stainless steel appliances and an upgraded backsplash, creating a clean and polished space that flows easily into the main living areas. The primary suite offers a spacious walk-in closet and private en suite with a double vanity and linen closet. Two additional bedrooms and a second full bath provide plenty of flexibility for family, guests, a home office or hobbies. Additional improvements include an upgraded 50-gallon gas water heater, upgraded doorbell and chime, and an attached 2-car garage. Step outside and enjoy one of the home’s standout features—the extended covered patio with beautiful railing, offering a comfortable outdoor living space for morning coffee, grilling or relaxing at the end of the day. With established landscaping, a fenced backyard and so many upgrades already in place, this nearly new home is truly move-in ready and offers the best of new construction without the work of starting from scratch.

526 N Pear Street, Gardner

Listing courtesy of Nichole Graham of Real Broker, LLC.

$425,000

3 Beds ⋅ 2.5 Baths

If great location + great layout + great outdoor space is on your wish list, keep reading. Welcome home to this inviting 3-bedroom, 2.5-bathroom home that features an ideal layout, great curb appeal and plenty of space both and inside and out. You are instantly drawn in by the huge windows offering abundant natural light. The open floor plan includes a large living space that seamlessly flows into the kitchen. The primary suite and two additional bedrooms with a full bathroom complete the upper level while the finished basement gives you room for a home office, gym, or family room. There is also a 4th non-conforming bedroom. This home sits on a corner lot with a spacious back yard and covered back deck, perfect for BBQ's, entertaining, relaxing or enjoying sunsets. And the location? So convenient! You'll be close to schools, shopping, dining, parks and highway access, making the daily commute & errands a whole lot easier. What more could you ask for? Don't just scroll past this one! Schedule your showing today and see if this is the place you've been looking for. Your next chapter might be waiting right here!

18390 Butternut Street, Gardner

Listing courtesy of Nycole Clark of Real Broker, LLC.

$349,995

3 Beds ⋅ 2 Baths

Welcome home to the Fenway floor plan, currently under construction and anticipated to be ready for closing by the end of October! This charming home is filled with character and thoughtful finishes, beginning with a beautiful front stone elevation that creates standout curb appeal. The covered back patio offers a great spot to relax or entertain, while inside, sloped ceilings add dimension and an open, airy feel to the main living space. Durable LVP flooring flows through the living room, hallways, and wet areas. Quartz countertops and undermount sinks are featured throughout the home, including the kitchen and bathrooms, with the primary bath offering the added convenience of dual sinks. With its inviting design, stylish finishes, and distinctive details, the Fenway offers a wonderful combination of character, comfort, and everyday functionality.

781 N Buckeye Street, Gardner

Listing courtesy of Terri Carter of Platinum Realty LLC.

$373,545

3 Beds ⋅ 2 Baths

Welcome to the Hudson, a thoughtfully designed 3-bedroom, 2-bath home offering style, comfort, and flexibility. Two versatile flex rooms give you the freedom to create spaces that fit your lifestyle, whether you need a home office, sitting room, playroom, hobby room, or something entirely your own. One flex room is conveniently located at the front of the home, creating a welcoming and functional space right off the entry. The open-concept living, dining and kitchen areas create an inviting setting for everyday living and entertaining. Durable LVP flooring flows throughout the main living areas, hallway, and wet areas. The kitchen features beautiful quartz countertops with an undermount sink and stainless-steel appliances, including the refrigerator, with quartz countertops continuing into the bathrooms for a polished, cohesive look. The private primary suite features a spacious bath with double sinks, while the secondary bedrooms enjoy convenient access to a Jack-and-Jill bathroom. Outside, a covered front porch and covered back patio provide inviting spaces to relax and unwind. Blinds are also included for added move-in-ready convenience. With three bedrooms, two flex spaces, stylish finishes, and a thoughtfully designed layout, the Hudson gives you room to live, work, entertain, and truly make the home your own.

765 N Buckeye Street, Gardner

Listing courtesy of Lennar Team of Platinum Realty LLC.

$314,950

3 Beds ⋅ 1.5 Baths

Updated 3 bedroom in sought after Gardner Manor!! This home has a traditional floor plan with good sized rooms, fresh interior/exterior paint, new flooring throughout, updated kitchen with stainless steel appliances and quartz countertops, finished basement with large living space, spacious 2 car garage, new roof, nice sized backyard, quiet street, great location close to restaurants, schools and shops, won’t last long!

709 S Oak Street, Gardner

Listing courtesy of Micheala Miller of Compass Realty Group.

$414,990

4 Beds ⋅ 2 Baths

Photos are from another home but the same floor plan. Options may vary!

17557 Spivey Street, Gardner

Listing courtesy of Brittany Schneider of ReeceNichols- Leawood Town Center.

$335,000

3 Beds ⋅ 2 Baths

Welcome home to this 2024-built ranch offering 3 bedrooms, 2 bathrooms, and 1,245 sq. ft. of comfortable living space. Featuring a functional layout, modern construction, and an attached 2-car garage, this home sits on a 7,200 sq. ft. lot and is move-in ready. Enjoy the convenience of newer construction with plenty of space to call your own!

644 N Pear Street, Gardner

Listing courtesy of Brent Rodina of KW Diamond Partners.

$357,395

3 Beds ⋅ 2 Baths

Welcome home to the Glenwood floor plan, currently under construction and anticipated to be ready for closing by the end of October! A beautiful front stone elevation adds character and curb appeal, while the covered back porch provides a comfortable outdoor space to relax and unwind. Inside, you'll appreciate the generously sized rooms and bedrooms, along with sloped ceilings that enhance the open and spacious feel of the home. Quartz countertops and undermount sinks are featured throughout, bringing a polished, cohesive look to both the kitchen and bathrooms. The kitchen is complete with stainless steel appliances, including the refrigerator, and window blinds are also included. The spacious primary suite is a standout, featuring an impressive primary bath designed with both comfort and functionality in mind. With roomy living spaces, attractive finishes, and thoughtful features inside and out, the Glenwood offers plenty of space to feel right at home.

837 N Buckeye Street, Gardner

Listing courtesy of Lennar Team of Platinum Realty LLC.

$364,950

3 Beds ⋅ 2 Baths

ASSUMABLE LOAN WITH A 5.25 RATE! Fresh interior paint and new carpet in this ranch home in Gardner. Large open floor plan with both an eat in kit and formal dining room. Bring the sectional because it will fit in the spacious living room. Both main floor baths have been touched up and the basement is stubbed for a full bath as well. Tons of storage and room to add finished space in the full basement. Fenced yard with deck. House backs up to middle school and is within walking distance of the elementary school as well. The Gardner Greenway access is just a few yards away and offers paths to 2 different parks.

328 N Cherry Street, Gardner

Listing courtesy of Tammy Waterman of Crown Realty.

Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use