Gardner, MA vs Murrysville, PA: Cost of Living

Which city costs less?

Murrysville, PA has a modeled overall cost index 33.6% lower than Gardner, MA.

Gardner, MA · modeled 2BR rent: $1,560 / month
Murrysville, PA · modeled 2BR rent: $1,690 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Gardner, MA and Murrysville, PA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Gardner, MA

Numbers update automatically as you type

Estimated savings: $2,447/month in Murrysville, PA

$150,000 in your current city has a modeled equivalent of $120,639 in Murrysville, PA

Regional cost estimates: Gardner, MA uses Boston, MA. Murrysville, PA uses Pittsburgh, PA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 33.6%

Less expensive

Monthly Impact

$2,447

Savings

Annual Impact

$29.4K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Gardner, MA

Population:21K

Cost Index:

126.2

100 = national average

Typical Home:$360K

Murrysville, PA

Population:21K

Cost Index:

83.8

100 = national average

Typical Home:$342K

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Gardner, MA

The Bay State

21K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 21K residents.

Murrysville, PA

The Keystone State

21K

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 21K residents.

Cost Breakdown by Category

Estimated monthly spending: Gardner, MA vs Murrysville, PA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Gardner, MA	Murrysville, PA	Difference	Change
Housing	$3,190/mo	$1,310/mo	↓ $1,880less	58.9%
Transportation	$1,230/mo	$908/mo	↓ $322less	26.2%
Healthcare	$543/mo	$405/mo	↓ $137less	25.3%
All Utilities	$523/mo	$467/mo	↓ $55.70less	10.7%
Groceries	$788/mo	$762/mo	↓ $26.37less	3.3%
Other	$1,226/mo	$1,201/mo	↓ $25.55less	2.1%

Housing

↓ 58.9%

Gardner, MA

$3,190

Murrysville, PA

$1,310

Difference

$1,880

less

Transportation

↓ 26.2%

Gardner, MA

$1,230

Murrysville, PA

$908

Difference

$322

less

Healthcare

↓ 25.3%

Gardner, MA

$543

Murrysville, PA

$405

Difference

$137

less

All Utilities

↓ 10.7%

Gardner, MA

$523

Murrysville, PA

$467

Difference

$55.70

less

Groceries

↓ 3.3%

Gardner, MA

$788

Murrysville, PA

$762

Difference

$26.37

less

Other

↓ 2.1%

Gardner, MA

$1,226

Murrysville, PA

$1,201

Difference

$25.55

less

🏠Rent Comparison

Studio

From$1,080

To$1,300

↑ $220

1 Bed

From$1,260

To$1,400

↑ $140

2 Bed

From$1,560

To$1,690

↑ $130

3 Bed

From$2,000

To$2,160

↑ $160

Gardner, MAZIP-level data

1BR range: $1,260–$1,260/mo

Murrysville, PAZIP-level data

1BR range: $1,400–$1,400/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Gardner, MA

$5,053

Monthly in Murrysville, PA

$2,447

Difference

Home Values

Gardner

Murrysville

$360K

Median Value

$342K

↑ +1.4%

YoY Change

↑ +8.7%

↑ +48.4%

5-Year Change

↑ +53.2%

Homes in Murrysville are 5% less expensive than Gardner

Calculate payment - Gardner Calculate payment - Murrysville

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.9K

Per year

Monthly Difference

$241

More take-home

Effective Rate Diff

1.9%

Rate difference

Gardner, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

Murrysville, PA

Federal Income Tax

Effective: 18.9%

$25.5K

Pennsylvania State Tax

Effective: 3.1%

$4.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.7%

$41.6K

Take-Home Pay

$9,032/month

$108.4K

Additional Tax Information

Gardner, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

Murrysville, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Gardner

Murrysville

36 Good

Air Quality

52 Moderate

79.5%

Good Air Days

47.8%

94 Moderate

Climate Risk

98 High

🌊🌅🌀

Top Hazards

🌊🌪💨

▲+2.5°F

2050 Outlook

▲+3.0°F

6 days

Heat Days >95°F

12 days

▲+2.5°F

2050 Outlook

▲+3.0°F

6 days

Heat Days >95°F

12 days

Before moving from Gardner, MA to Murrysville, PA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Murrysville, PA for the same bedroom count and included utilities as your home in Gardner, MA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Gardner to Murrysville moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Murrysville, PA by cost, housing, population and region.

Frequently Asked Questions: Gardner, MA vs Murrysville, PA

How do the cost estimates for Gardner, MA and Murrysville, PA compare?

Murrysville, PA has a modeled overall cost index 33.6% lower than Gardner, MA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Gardner, MA, the model estimates $120,639 in Murrysville, PA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Gardner, MA and Murrysville, PA?

The modeled two-bedroom rents are $1,560/month in Gardner, MA and $1,690/month in Murrysville, PA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Massachusetts and Pennsylvania on TaxTakeHome.com