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ElderCareCosts
Updated August 2026

Assisted Living in Gardner, Massachusetts

Gardner, MA has 1 licensed assisted living community listed on ElderCareCosts. The median estimated cost is $9,586/mo. That's roughly in line with the Massachusetts state median.

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Median monthly price, Gardner

$9,586/mo

Estimated range $9,314 – $10,001

● Gardner $9,586 ○ National median $6,230

Source: CareScout 2025 survey, adjusted for local wages

What senior care costs in Gardner

2025 figures

Assisted Living cost comparison (2025)
Assisted LivingGardnerMassachusettsNational
25th percentile$9,314/mo$9,164/mo$5,488/mo
Median$9,586/mo$9,600/mo$6,230/mo
75th percentile$10,001/mo$10,434/mo$7,083/mo

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Staying home instead

Home care in Gardner runs about $40 an hour. Here is what common schedules cost a month:

Hours of careWhat it looks likeEst. monthly cost
20 hrs/weekMornings or afternoons, weekdays~$3,462
44 hrs/weekMost of every weekday$7,616
24/7 (168 hrs/week)Round-the-clock coverage~$29,079

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Medicare generally does not cover long-term custodial care. Families usually combine private pay, long-term care insurance, VA Aid and Attendance, or a Medicaid waiver where they qualify. See paying for care and the state Medicaid guides.

Nearby cities: Fitchburg · Leominster · Worcester

What can you afford?

Here is what different monthly budgets cover in Gardner.

Under $2,500/mo

Adult day, family care, or affordable senior housing

Adult day care in Gardner runs about $2,423 a month. Income-restricted affordable senior housing is the other common choice, and Gardner has 1 such property. The county aging agency at (508) 756-1545 can help you sort through options for free. If money is very tight, ask about Medicaid waivers.
$2,500 – $7,000/mo

Part-time home care or entry assisted living

Part-time home care usually falls here. Full-time care at 44 hours a week runs about $7,616 a month. The local assisted living median is $9,586 a month, and smaller homes often charge less. If Medicaid may apply, ask about waiver programs.
$7,000 – $11,000/mo

Assisted living with room to spare

Covers the Gardner assisted living median of $9,586 a month with room to spare. It also covers close to full-time home care, about $7,616 a month.
Over $11,000/mo

Nursing care or heavy home-care schedules

Nursing homes in Gardner run about $14,426 a month at the median. Around-the-clock home care usually costs more.
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1 assisted living community in Gardner

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In the last 365 days: 7 newly licensed. Counts come from our ingestion diffs, not a complete state registry dump.

Free local help worth saving

Gardner, in Worcester County, has about 21,148 residents. About 4,135 of them (20%) are 65 or older. The median household income is $67,518.

Source: US Census Bureau
  • Elder Services of Worcester Area, Inc.(508) 756-1545Source page

    Area Agency on Aging serving this city.

  • Massachusetts Long-Term Care Ombudsman Programltcombudsman.org

    State Long-Term Care Ombudsman program.

  • Massachusetts State Health Insurance Assistance Program (SHIP)shiphelp.org

    State Health Insurance Assistance Program (SHIP).

  • Mass Options1-844-422-6277massoptions.org

    Statewide help for older adults, people with disabilities and caregivers.

  • Edith Nourse Rogers Memorial Veterans' Hospitalva.gov

    VA Medical Center in Bedford.

  • Frail Elder WaiverOfficial program page

    Can help pay for care if your parent qualifies.

National helplines, including the Eldercare Locator and 211, are listed on paying for care.

Veterans & surviving spouses: VA Aid & Attendance can help wartime veterans who qualify. How Aid & Attendance works →

Questions families ask

Is assisted living in Gardner more expensive than the rest of Massachusetts?

Gardner's median assisted living cost is about 0% lower than the Massachusetts state median.

Find Gardner care options

Tell us what you need and your budget, and we will email you licensed options right away.

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Reading up first? Assisted Living across Massachusetts → · Assisted Living cost across Massachusetts → · Adult Day Care vs Assisted Living →

Touring this week? Print our checklist: what to ask on a tour, what to notice, and the license paperwork to request. Or email it to yourself to have it on your phone.

Assisted Living in Gardner: 2026 Costs & Licensed Providers