Cost of Living in Gardner, MA
Overall index: 87 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 78 | -22% | $750 |
| Transportation | 104 | +4% | $3.50 |
| Food | 84 | -16% | $344 |
| Utilities | 89 | -11% | $140 |
| Healthcare | 89 | -11% | $101 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Gardner?
A single adult living comfortably in Gardner, MA needs approximately $30,450 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Gardner, MA?
The overall cost of living in Gardner, MA is 13% lower than the US national average (index: 87 where 100 = national average).
How much is rent in Gardner, MA?
Average rent for a 1-bedroom apartment in Gardner, MA is about $750/month.
Is Gardner, MA expensive to live in?
No, Gardner, MA is affordable (below national average).
What salary do I need to live in Gardner, MA?
A single adult needs roughly $30,450/year to cover basic living costs in Gardner, MA.