ZIP Code · MA

ZIP 01440

Part of Gardner, MA

Pop. 21,276·Worcester County·161st most expensive ZIP in Massachusetts

Median rent (all units)

$1,676/mo

Year-over-Year

+3.2%

Month-over-Month

+1.4%

vs US Median

-$256

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 01440 · $1,676

More affordable than 60% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,080

1 BR

$1,260

2 BR

$1,560

3 BR

$2,000

4 BR+

$2,350

Research median

$1,560/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Massachusetts

Rent in ZIP 01440 changed +3.2% over the year to September 2026. Across the 140 Massachusetts ZIP codes Zillow tracks, the typical change was +3.0%.

Recent direction

Rent rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($67,440) is $1,686 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,560); a 3-bedroom is $2,000.

From Zillow's monthly rent index (ZORI) for ZIP 01440. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$20,112/yr

At $1,676/mo median

Location

CityGardner

StateMA

CountyWorcester County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.2% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.2% YoY, +1.4% MoM), not inventory.

Demographics

Who lives here

ZIP 01440 (Gardner, MA) is majority owner-occupied, 23.9% of residents hold a bachelor's degree or higher.

Population

21,276

Median income

$67,440

Median age

43.7

Renters

40.9%

Age distribution

18.2%

20.1%

25.2%

16.7%

19.7%

Under 1818.2%

18–3420.1%

35–5425.2%

55–6416.7%

65+19.7%

Gender

51.6%

48.4%

Male51.6%

Female48.4%

Race & ethnicity

79.7%

White79.7%

Black4.1%

Hispanic10.6%

Asian2.4%

Other3.1%

Education (25+)

12.9%

35.1%

28.1%

23.9%

No HS diploma12.9%

HS diploma35.1%

Some college28.1%

Bachelor's+23.9%

Housing tenure

59.1%

40.9%

Owner59.1%

Renter40.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 01440 in Gardner, MA has changed in 5 years

Income

$53,400 → $67,440

up 26.3%

Population

21,310 → 21,276

down 0.2%

Renter share

42.9% → 40.9%

-2.0 pts

Bachelor's+

19% → 23.9%

+4.9 pts

Median age

44.5 → 43.7

-0.8 yrs

Local incomes tracked alongside that move, going from a median of $53,400 in 2021 to $67,440 more recently. The renter share has eased from 42.9% to 40.9%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 19% to 23.9% across the same window.

Community

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Local insights

Tips for renters in ZIP 01440

About renting in ZIP 01440

Last updated: October 17, 2026

ZIP code 01440 covers Gardner, MA. The median rent here is $1,676/mo as of October 2026. A 1-bedroom rents for a median of $1,260/mo. A 2-bedroom rents for a median of $1,560/mo.

At 30% of local median household income ($67,440/yr), ZIP 01440 ranks as moderate compared to the national benchmark of 30%. Rents have increased 3.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 01440?

To keep rent at or below 30% of gross income, you would need to earn at least $67,000/year (about $32/hour full-time) to afford the median rent of $1,676/mo in ZIP 01440. The local median household income is $67,440/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 01440?

Rent in ZIP 01440 has risen 3.2% over the past year.

How does ZIP 01440 compare to other ZIPs in Massachusetts?

ZIP 01440 is one of the more affordable among Massachusetts ZIP codes for rent, ranking #161 of 164 at $1,676/mo. Over the year to September 2026, rent in ZIP 01440 changed +3.2%, against a typical +3.0% across the 140 Massachusetts ZIP codes Zillow tracks.