Cost of Living in Gardner
The biggest cost-of-living factor in Gardner, Massachusetts is housing. The median home is priced around $405K, or about $249 per square foot.
With 20% down on a median-priced home, the estimated monthly mortgage payment (principal and interest) is about $2,101, plus roughly $485 per month in property taxes. Rates and down payment change this figure significantly.
Gardner's FY2025 residential property tax rate is $14.36 per $1,000 of assessed value. Combined with home prices, that gives a clear picture of the monthly cost of owning in Gardner.