Cost of Living in Gardner, MA
Cost indexes, living wages, and fair market rents — 2024 Data
Cost of Living Overview
Overall Index
112.5
100 = national avg
+12.5 vs national average
Living Wage (1 Adult)
$49,519
per year
Living Wage (Family of 4)
$117,044
per year
Cost Index by Category
Housing131.9
Food98.1
Transportation112.3
Healthcare98.5
Utilities105.3
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD1 Bedroom
$1,410
per month
2 Bedroom
$1,749
per month
The overall cost of living index in Gardner is 112.5, which is 12.5% above the national average. Housing costs are above the national average at an index of 131.9. A single adult needs to earn approximately $49,519 per year to cover basic expenses.