Cost Of Living in Gardiner, ME

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3%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

17%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Gardiner	Maine	National
Cost of living	97	100	100
Groceries	103	103	100
Health care	102	101	100
Housing	83	91	100
Transportation	104	103	100
Utilities	105	108	100
Lifestyle & Entertainment	101	103	100
Household Items	103	103	100
Education & Childcare	105	106	100

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Homes For Sale In Gardiner, ME

TBD Oakwood Rd

West Gardiner, ME

822 E Pittston Rd

Pittston, ME

511 Whitefield Rd

Pittston, ME

19 Alexandra Dr

Gardiner, ME

See the Newest Homes For Sale In Gardiner, ME

Cost Of Living Quick Facts

The cost of living in Gardiner is 3% lower than the Maine average
The cost of living in Gardiner is 3% lower than the national average
Gardiner housing is 17% lower than the national average
Maine general sales tax is 8% higher than the national average
Maine state income tax is 123% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$116,856	$9,738	$2,726	$3,506
Renters	$38,498	$3,208	$898	$1,155

The affordability of the housing market in Gardiner, ME as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Gardiner homeowners, the median income is $116,856. This indicates that a monthly maximum of $2,726 should be spent by homeowners on all housing related costs. Renters have a median income of $38,498. This indicates that renters would have a maximum of $898 for their rent related monthly costs.

Maine Sales Tax

State	General Sales Tax	With Max Surtax
Maine	5.5%	5.5%

Maine Income Tax

State	Income Tax (Low)	Income Tax (High)
Maine	5.8%	7.15%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Randolph, ME	1,753	94	6.4%
Augusta, ME	19,148	96	3.8%
Farmingdale, ME	2,516	97	2.6%
Richmond, ME	1,788	99	1.4%
Winthrop, ME	2,548	104	4.1%
Gardiner, ME	5,863	97	2.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Fort Rucker, AL	5,862	103	2.8%
Harvest, AL	5,861	98	1.7%
Lewisburg, PA	5,861	100	0.2%
Princeton, WV	5,861	90	10.1%
Petoskey, MI	5,865	100	0.1%
Gardiner, ME	5,863	97	2.9%