Median home value in zip code 01440 (Gardner, MA) is $361,674, up 1.2% year over year. Part of the Worcester, MA-CT metropolitan area.

Home Value$361,674

YoY Change

+1.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 01440 (Gardner).

Income (annual)

Down Payment

$72,335 on $361,674

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

Out of reach37.4% of income

Need $100,286/yr to afford.

PITI$2,340

P/I37.4%

Afford$270K

Gap-$91K

P&I $1,829Tax $362Ins $150

6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.

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

Metro Analysis

01440 is part of the Worcester, MA-CT metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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