The median home in Gardner, Massachusetts is valued at $359,853, up 1.4% year over year. Typical monthly rent is $1,479, producing a price-to-rent ratio of 20.3x — well above the national average of 18x. Gardner is part of the Worcester, MA-CT metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$359,853

+1.4%

Rent$1,479/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$71,971 on $359,853

Example: $75,000 household income. Change it above to see your own.

Out of reach37.3% of income

Need $99,814/yr to afford.

PITI$2,329

P/I37.3%

Afford$270K

Gap-$89K

P&I $1,820Tax $360Ins $150

Renting $850/mo cheaper ($1,479 rent)6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Massachusetts

Compare Gardner with other housing markets across Massachusetts.

Nantucket$2.97M Chilmark$2.28M Weston$2.18M Wellesley$1.95M Edgartown$1.77M Aquinnah$1.73M Dover$1.72M West Tisbury$1.6M

Full Worcester, MA-CT analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Worcester, MA-CT metro.

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Gardner, MA