HomeMassachusettsWorcester CountyGardner city
Gardner city, Massachusetts: commercial real estate data.
Gardner city is a Census city of 21,148 people across 22.07 square miles of land, in Worcester County. Median household income is $67,518, 58.9 percent of occupied homes are owned, and the SBA record carries 14 7(a) approvals to borrowers here worth $2.8 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Gardner
What Gardner is
- Census place typecity
- Land area22.07 sq mi
- Water area0.95 sq mi
- Population per square mile of land958
- County holding the largest share of its areaWorcester County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
How many people live in Gardner
- Population21,148
- Median age43.7
- Population under 183,877
- Share under 1818.3 percent
- Population 65 and over4,135
- Share 65 and over19.6 percent
- Households8,940
- Family households5,271
- Share of households that are families59.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
Income and work in Gardner
- Median household income$67,518
- Per capita income$37,215
- Civilian labor force10,355
- Employed9,628
- Unemployed727 plus or minus 227
- Unemployment rate7.0 percent plus or minus 2.2
- Adults 25 and over15,963
- Adults 25 and over with a high school diploma or higher87.0 percent
- Adults 25 and over with a bachelor degree or higher23.8 percent
- Adults 25 and over with a graduate degree8.0 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
Housing in Gardner
- Housing units9,488
- Occupied units8,940
- Vacant units548 plus or minus 219
- Vacancy rate5.8 percent plus or minus 2.3
- Owner occupied5,263
- Renter occupied3,677
- Ownership rate58.9 percent
- Median owner-occupied home value$301,600
- Median gross rent, monthly$1,109
- Annual rent as a share of median income19.7 percent
- Single family units4,792
- Share single family50.5 percent
- Units in buildings of two or more4,588
- Share in buildings of two or more48.4 percent
- Mobile homes108 plus or minus 59
- Median year structure built1954
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
How Gardner gets to work
- Workers 16 and over who commute8,170
- Commuting under 15 minutes2,258
- Share commuting under 15 minutes27.6 percent
- Commuting 30 minutes or more3,896
- Share commuting 30 minutes or more47.7 percent
- Drove alone68.8 percent
- Carpooled10.5 percent plus or minus 4.8
- Public transport1.7 percent plus or minus 1.7
- Walked2.7 percent plus or minus 1.4
- Worked from home13.3 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardner
SBA loans in Gardner (7(a))
- Approvals14
- Gross approval$2,753,500
- Average approval$196,679
- Median approval$60,000
- Ninetieth percentile approval$690,000
- Largest approval$903,000
- Jobs supported37
- Jobs per approval2.6
- Loans with a final outcome4
- Paid in full2
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more7.1 percent
- Share to franchises0.0 percent
- Distinct lenders8
- Distinct industries by NAICS13
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gardner
SBA loans in Gardner (504)
- Approvals6
- Gross approval$2,311,000
- Average approval$385,167
- Median approval$310,000
- Largest approval$1,009,000
- Jobs supported29
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Worcester County, not Gardner
Worcester County context, not Gardner figures
These are Worcester County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gardner measurements.
- Establishments in Worcester County19,181
- Employment at those establishments, Worcester County319,255
- Covered employment, Worcester County351,476
- Average annual pay, Worcester County$71,641
- Average weekly wage, Worcester County$1,378
- Housing units permitted, Worcester County2,506
- Of those, single family, Worcester County964
- County product, 2024, Worcester County$60,947,229,000
- County product change over the prior year, Worcester County4.4 percent
- Average income of an arriving household, Worcester County$87,853
Every figure in this section is published for Worcester County as a whole and is not a measurement of Gardner. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Gardner questions, answered from the record.
How many people live in Gardner, Massachusetts?
21,148, in 8,940 households. Gardner city covers 22.07 square miles of land, which is 958 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gardner in?
Worcester County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gardner?
$67,518. The median owner-occupied home is valued at $301,600. Median gross rent is $1,109 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gardner businesses?
14 7(a) approvals totalling $2.8 m, across 8 lenders, median approval $60,000, plus 6 504 approvals worth $2.3 m. These count approvals to borrowers whose address is in Gardner, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gardner borrowers get paid back?
No rate is published for Gardner. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Gardner figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Worcester County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gardner.
Is zoning published for Gardner?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.