HomeMassachusettsWorcester CountyGardner
Gardner, Massachusetts: commercial real estate data.
Gardner 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 since FY2020.
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$55,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Gardner, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$269,000
- Largest approval$1,009,000
- Jobs supported29
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Gardner, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gardner
Flood risk in Gardner
- NFIP communityCity of Gardner
- NFIP community number250305
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/02/81
The City of Gardner participates in the National Flood Insurance Program as community 250305 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Worcester County, not Gardner
Worcester County context, not Gardner figures
- Establishments in Worcester County19,181
- Covered employment, Worcester County351,476
- Average annual pay, Worcester County$71,641
- Housing units permitted, Worcester County2,506
Every figure in this section is published for Worcester County as a whole and is not a measurement of Gardner.
All Worcester County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $2.8 m since FY2020, across 8 lenders, median approval $55,000, plus 6 504 approvals worth $2.3 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Gardner in the National Flood Insurance Program?
Yes. Gardner appears in the FEMA Community Status Book as Gardner, city of, community 250305, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Gardner figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.