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Gardner, MA Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
Monthly Utility Costs
$130/mo
—
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $1900/mo |
| Median Home Price | $280,000 |
| Property Tax Rate | 1.35% |
| Avg Childcare/mo | $1200 |
The housing market in Gardner is relatively affordable, with a range of options available from historic homes to new constructions. However, the market can be competitive, and prices are rising. Renters can find apartments and houses, but prices are increasing due to demand.
Cost of Living
108
+8% above national average
105
96
102
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.35% |
| <p>State 6.25% + No County tax + No City tax</p> | |
Massachusetts has a flat state income tax rate of 5.2%, with no local income taxes.
Family & Relocation
55
7.1/10
$1200/mo
City Pulse
Gardner has a limited public transportation system, but the city is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks.
- Gardner Museum
- Dunn State Park
- Mount Wachusett Community College's theater
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Gardner based on your household profile.
📰 Live Local News
Gardner has regulations regarding zoning, building permits, and waste management, which are enforced by the city’s departments.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
Search by city name or ZIP code to find utility costs, housing data and cost of living guides.
📊 Gardner — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
In the summer, utility costs in Gardner are higher due to air conditioning usage, while in the winter, costs increase due to heating needs. Residents can expect to pay more for electricity and heating oil during these peak seasons.
🏛️ Local Tax Details
The ZIP code 01440 has a property tax millage rate of 18.45, with no local surtaxes.
👶 Family & Stroller Friendliness
Score 6/10: Gardner has some stroller-friendly sidewalks and parks, but the city's infrastructure can be challenging for families with strollers, particularly in areas with limited elevator access in transit and some rough sidewalks.
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