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.
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Home Value$359,853
+1.4%
Rent$1,479/mo
AFFORDABILITYRenting $850/mo cheaper ($1,479 rent)6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.
Enter your income for Gardner.
$71,971 on $359,853
Out of reach — 37.3% of income
Need $99,814/yr to afford.
PITI$2,329
P/I37.3%
Afford$270K
Gap-$89K
P&I $1,820Tax $360Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Massachusetts
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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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