What stands out worked out from the figures below

Gardner has the most renters (41.1% rent).

Scotland has the most homeowners (91.8%).

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	Scotland
People
Population	21,148Highest	1,599Lowest
Growth since 20102010 → 2020 census	+5.2% U.S.: +7.4%	—
Median age	43.7±2.3Lowest 12% above U.S.	44.7±5Highest 15% above U.S.
	Scotland 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 U.S.: 22%	16.4%±3Lowest U.S.: 22%
	Gardner and Scotland are within the Census margin of error here, so we can’t say which is really higher.
Age 65+	19.6%±2.2Highest U.S.: 17.2%	18.6%±2.6Lowest U.S.: 17.2%
	Gardner and Scotland 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 U.S.: 35.7%	33.8%Highest U.S.: 35.7%
Enrolled in collegeshare of residents	4.6%±1.3Lowest U.S.: 6.4%	5.8%±4Highest U.S.: 6.4%
	Scotland 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 16% below U.S.	$99,881±$12kHighest 24% above U.S.
Home valuemedian, owner-occupied	$301,600±$20kHighest 9% below U.S.	$294,100±$20kLowest 12% below U.S.
	Gardner and Scotland are within the Census margin of error here, so we can’t say which is really higher.
Rentmedian gross, monthly	$1,109±$51Lowest 22% below U.S.	$1,188±$468Highest 16% below U.S.
	Scotland and Gardner are within the Census margin of error here, so we can’t say which is really higher.
Property taxmedian, yearly	$4,150Lowest 33% above U.S.	$6,175Highest 98% above U.S.
Renters paying 30%+of income on rent	49.7%±8.6Highest U.S.: 51.1%	0%±75.7Lowest U.S.: 51.1%
	Gardner and Scotland are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	13.7%Highest U.S.: 12.5%	4.8%Lowest U.S.: 12.5%
Housing
Homeownersof occupied homes	58.9%Lowest U.S.: 65.2%	91.8%Highest U.S.: 65.2%
Typical home builtmedian year	1954Lowest 26 yrs older than U.S.	1982Highest 2 yrs newer than U.S.
Getting to work
Average commuteone way	31 minLowest 16% above U.S.	33 minHighest 25% above U.S.
Work from home	13.3%±3.6Highest U.S.: 15.1%	11.5%±6.2Lowest U.S.: 15.1%
	Gardner and Scotland 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	—
School district	Gardner	Scotland School District
High school in town	Gardner High	None in town
Students per teacherat that high school	13.5	—
On TownTapestry
Old photos in History	None yet	None yet

U.S. 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.