Gardner, Massachusetts Tier 4
Tier 4 · mixed schools · about 88 minutes door-to-door to downtown Boston at peak · 57% of households own their home.
$400k
4BR / 2BA house (est.)
$305k
3BR townhouse (est.)
$225k
2BR condo (est.)
$13.77
Tax per $1,000 (FY2026)
88 min
Peak drive to Boston (modeled)
—
No MBTA rail
57%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $2,657/mo | $114k/yr |
| 3BR / 2BA townhouse | $2,067/mo | $89k/yr |
| 2BR condo | $1,571/mo | $67k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Gardner’s actual FY2026 rate ($13.77/$1,000 = 1.38% of assessed value) + $175 insurance. “Income needed” keeps housing at 28% of gross income. Prices are market estimates, not appraisals.
Community snapshot
| ACS 2019–2023 (via MAPC DataCommon) | Share |
|---|---|
| Homeowner households | 57% |
| White (non-Hispanic) | 80% |
| Asian (non-Hispanic) | 2.8% |
| Latino / Hispanic | 9.4% |
| African American (non-Hispanic) | 3.6% |
These figures are neutral census facts, shown for every town equally. They are never used to filter, rank, or recommend towns — see our methodology and the federal Fair Housing Act.
