What stands out worked out from the figures below

Gardner has grown the fastest since 2010 (+5.2%).

Ludlow has the shortest commute (20 min average).

What matters to you?

Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.

Raising kidsAffordabilityOwning a homeShort commuteWorking from homeYounger crowdSettled, older crowdGrowing town

Measure	Gardner	Ludlow
People
Population	21,148Highest	20,904Lowest
Growth since 20102010 → 2020 census	+5.2%Highest MA: +7.4%	-0.5%Lowest MA: +7.4%
Median age	43.7±2.3Lowest 9% above MA	44.3±1.8Highest 11% above MA
	Ludlow and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18	18.3%±2.3Highest MA: 19.4%	16.4%±2.4Lowest MA: 19.4%
	Gardner and Ludlow are within the Census margin of error here, so we can’t say which is really higher.
Age 65+	19.6%±2.2Lowest MA: 17.9%	21.8%±2.5Highest MA: 17.9%
	Ludlow and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Bachelor’s degree+adults 25+	23.8%Lowest MA: 47.3%	27%Highest MA: 47.3%
Enrolled in collegeshare of residents	4.6%±1.3Lowest MA: 7.9%	5.2%±1.7Highest MA: 7.9%
	Ludlow and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian	$67,518±$8kLowest 35% below MA	$84,838±$7kHighest 18% below MA
Home valuemedian, owner-occupied	$301,600±$20kLowest 46% below MA	$335,300±$10kHighest 40% below MA
Rentmedian gross, monthly	$1,109±$51Lowest 37% below MA	$1,223±$82Highest 31% below MA
	Ludlow and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Property taxmedian, yearly	$4,150Lowest 31% below MA	$4,918Highest 18% below MA
Renters paying 30%+of income on rent	49.7%±8.6Lowest MA: 51.8%	50.7%±9.5Highest MA: 51.8%
	Ludlow and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	13.7%Highest MA: 10%	6.8%Lowest MA: 10%
Housing
Homeownersof occupied homes	58.9%Lowest MA: 62.5%	77.5%Highest MA: 62.5%
Typical home builtmedian year	1954Lowest 10 yrs older than MA	1964Highest same as MA
Getting to work
Average commuteone way	31 minHighest 5% above MA	20 minLowest 31% below MA
Work from home	13.3%±3.6Lowest MA: 18.6%	14%±3.4Highest MA: 18.6%
	Ludlow and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Schools
Public school scoresrank in state, math + reading	#273 of 282 in MA	#154 of 282 in MA
School district	Gardner	Ludlow
High school in town	Gardner High	Ludlow Senior High
Students per teacherat that high school	13.5Highest	11.1Lowest
On TownTapestry
Old photos in History	None yet	None yet

MA average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.