Gardner, MA

Living costs in Gardner land close to the national average, with a Cost Index of 109 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $361,910, and typical monthly rents run around $1,071. Groceries and utilities are in line with what you would find in most US cities.

Start with housing. Typical monthly rent is $1,071, while local median household income is $62,948. That implies a rent-burden proxy of about 20% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

Massachusetts has a progressive state income tax with a top rate of 9%. The effective property tax rate is 1.15%. On a home worth $361,910, that translates to roughly $4,162 per year in property taxes. Sales tax (state + local) averages around 6.25% on everyday purchases.

The typical monthly rent in Gardner is around $1,071. That's roughly 21% lower than the $1,348 national median. For comparison, the median home value here is $361,910, so buyers should also factor in mortgage payments, property taxes, and insurance.

The median home in Gardner is valued at $361,910. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,830/month for principal and interest alone — before property taxes and insurance. About 57% of residents here own their homes.

Grocery prices in Gardner are about average compared to the rest of the US (index: 97, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 155). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

Gardner is a small town with a population of about 21,075. The median age of residents is 43.5, skewing somewhat older — common in established suburban communities. The local poverty rate is 14.29%, near the national average of 12.4%.