Gardner, MA Cost Of Living

Demographics | Crime | Cost Of Living
Updated: 2023-11-15

Cost Of Living In Gardner, MA Summary

Cost of living in Gardner research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Gardner is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in Massachusetts, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Gardner is 108, with 100 being the average.

  • The cost of living index in Gardner is 1.1x higher than the national average.

  • Gardner ranks as the #7 cheapest in Massachusetts out of 113.

  • Gardner ranks as the #3,954 cheapest out of 6,412 in the US.

  • The median home value in Gardner is $200,300.

  • The median income in Gardner is $52,770.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
108
Gardner's Overall Cost Of Living
1.1x
Higher Than The National Average

What is the cost of living in Gardner, MA?

According to the most recent data on the cost of living, Gardner has an overall cost of living index of 108, which is 1.1x higher than the national index of 100.

Compared to Massachusetts, Gardner has a cost of living index that's 0.8x lower than Massachusetts's index of 143.

The standard of living in Gardner ranks as #7 most affordable out of the 113 places we measured in Massachusetts. By definition, that implies Gardner ranks as the #106 most expensive place in the Bay State.

For more reading on life in Gardner, check out:

7 out of 113
In Massachusetts
3,954 out of 6,412
In America

Gardner Cost Of Living Vs. Massachusetts

Six factors go into calculating the cost of living index in Gardner. Here is how it fairs on each of the criteria:

  • The Services index in Gardner is 121.

  • The Groceries index in Gardner is 99.

  • The Health index in Gardner is 119.

  • The Housing index in Gardner is 91.

  • The Transportation index in Gardner is 97.

  • The Utilities index in Gardner is 128.

Living Expense Gardner Massachusetts National Average
Overall 108 143 100
Services 121 126 100
Groceries 99 108 100
Health 119 117 100
Housing 91 202 100
Transportation 97 114 100
Utilities 128 123 100
For more reading on cost of living around Massachusetts, check out:
Gardner Cost of Living Vs. MA

Gardner, MA Housing Cost Breakdown

Housing swings affordability the most between places in Massachusetts, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2017-2021. The key points are:

  • The Median Home Value in Gardner is $200,300.

  • The Median Rent in Gardner is $915.

  • The Median Income in Gardner is $52,770.

  • The Home Value To Income in Gardner is 3.8x.

  • The Rent To Monthly Income in Gardner is 0.21x.

Statistic Gardner Massachusetts United States
Median Home Value $200,300 $424,700 $244,900
Median Rent $915 $1,429 $1,163
Median Income $52,770 $89,026 $69,021
Home Value To Income 3.8x 4.8x 3.5x
Rent To Monthly Income 0.21x 0.19x 0.2x
Search Homes For Sale In Gardner, MA
$200,300
Median Home Value
$915
Median Rent
$52,770
Median Income

Gardner, MA Costs By Category

Detailed Gardner Services Costs Vs. Massachusetts

Item Gardner Massachusetts
Shampoo $2.0 $1.06
Movie $10.4 $10.68
Bowling $8.05 $14.67
Haircut $18.47 $18.62
Beauty Salon $73.51 $39.05

Detailed Gardner Groceries Costs Vs. Massachusetts

Item Gardner Massachusetts
Ground Beef $3.24 $4.22
Fried Chicken $1.48 $1.39
Milk $1.97 $2.05
Potatoes $3.01 $3.29
Pizza $12.08 $10.62
Beer $9.52 $9.38
Toothpaste $2.63 $2.34

Detailed Gardner Health Costs Vs. Massachusetts

Item Gardner Massachusetts
Optometrist $123.27 $108.57
Doctor $140.02 $116.17
Dentist $123.73 $99.13

Detailed Gardner Transportation Costs Vs. Massachusetts

Item Gardner Massachusetts
Gasoline $2.21 $2.22
Tire Balancing $45.3 $50.07

Detailed Gardner Utilities Costs Vs. Massachusetts

Item Gardner Massachusetts
All Electricity $245.0 $167.67
Phone $29.97 $175.64

Gardner SnackAbility

5
/10
Overall SnackAbility
Jobs
6/10
Housing
8
Affordability
6
Diversity
8
Safety
6
Amenities
8
Education
6
Commute
5

Cost Of Living In Cities Around Gardner

The cost of living varies in the cities and towns around Gardner. Here's a quick look at the cost of living in the most populous nearby places:

  • Newton, MA has a cost of living index of 192, 1.8x Gardner.

  • Leominster, MA has a cost of living index of 116, 1.1x Gardner.

  • Fitchburg, MA has a cost of living index of 109, 1.0x Gardner.

City Population Cost Of Living Vs. Gardner
Newton, MA 88,647 192 1.8x
Leominster, MA 43,478 116 1.1x
Fitchburg, MA 41,796 109 1.0x
Lexington, MA 34,235 190 1.8x
Needham, MA 31,808 180 1.7x
Wellesley, MA 29,365 216 2.0x
Reading, MA 25,483 152 1.4x
Winchester, MA 22,875 190 1.8x
Athol, MA 9,154 101 0.9x
Cochituate, MA 6,966 178 1.6x

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