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FHA loans in Gardner, MA

Quick answer

The 2026 FHA loan limit in Gardner, MA (Worcester County) is $545,100 for a single-family home, enough for a purchase price up to about $564,000 with 3.5% down. On the $271,300 median home value, that down payment is about $9,496 and the estimated payment is $2,352/month at 7.18%, which needs roughly $101,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $62,948; value-to-income ratio 4.31. Gardner ranks 81 by home value and 68 by population among 89 places in our MA dataset.

What does an FHA loan cost on a typical Gardner home?

ItemGardner
Median home value (Census ACS)$271,300
Massachusetts median home value$525,800
Down payment (3.5%)$9,496
Loan incl. 1.75% upfront MIP$266,386
Estimated monthly payment (PITI + MI)$2,352
Income needed (28% / 36%)$101,000 / $79,000
Worcester County 2026 FHA limit (1 unit)$545,100
Max purchase price at the limit$564,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Massachusetts's 1.11% effective property tax rate (Census ACS), $2,134/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Gardner?

Gardner is in Worcester County where HUD's 2026 one-unit FHA limit is $545,100. With the minimum 3.5% down, that caps the purchase price at about $564,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Gardner median home value of $271,300 is 48% below the Massachusetts median, and within what the county limit supports.

Which down payment assistance programs can Gardner buyers use?

FHA loans in nearby cities

FitchburgLeominsterWorcesterHudsonMarlboroughMaynard

FHA loan FAQs for Gardner

Gardner is in Worcester County, where HUD's 2026 FHA limit for a one-unit home is $545,100. With 3.5% down, that supports a purchase price up to about $564,000.

3.5% of $271,300 is about $9,496 with a 580+ credit score (10%, or $27,130, with a 500–579 score), plus closing costs.

At the $271,300 median value (below the Massachusetts median of $525,800), the estimated payment of $2,352/month at 7.18% needs about $101,000 a year under the 28% housing guideline, or $79,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.