Cost Of Living in Gardiner, ME

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Gardiner	Maine	National
Cost of living	99	102	100
Goods & Services	109	109	100
Groceries	102	102	100
Health care	103	103	100
Housing	80	92	100
Transportation	109	109	100
Utilities	107	107	100

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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 1% lower than the national average
Gardiner housing is 20% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$77,780	$6,482	$1,815	$2,334
Renters	$26,094	$2,175	$609	$783

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 $77,780. This indicates that a monthly maximum of $1,815 should be spent by homeowners on all housing related costs. Renters have a median income of $26,094. This indicates that renters would have a maximum of $609 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%

Goods & Services

Item	Gardiner	National avg.	Difference
Haircut	$28.67	$24.26	18.2%
Beauty Salon	$53.03	$45.56	16.4%
Toothpaste	$3.69	$3.70	0.3%
Shampoo	$1.17	$1.28	8.9%
Movie	$13.07	$12.13	7.7%
Bowling	$17.76	$18.00	1.4%

Groceries

Item	Gardiner	National avg.	Difference
Ground Beef	$5.41	$5.84	7.3%
Fried Chicken	$1.43	$1.57	8.9%
Milk	$4.75	$4.67	1.7%
Potatoes	$5.00	$4.93	1.3%
Pizza	$11.93	$12.09	1.3%
Beer	$10.22	$10.41	1.9%

Health Care

Item	Gardiner	National avg.	Difference
Optometrist	$170.67	$125.68	35.8%
Doctor	$146.50	$135.78	7.9%
Dentist	$119.58	$113.29	5.6%
Ibuprofen	$10.72	$10.65	0.7%
Lipitor	$372.90	$468.60	20.4%

Housing

Item	Gardiner	National avg.	Difference
Home Price	$149,800.00	$184,700.00	18.9%
Avg. Mortgage Payment	$2,456.69	$2,346.69	4.7%
Apartment Rent	$748.00	$949.00	21.2%

Transportation

Item	Gardiner	National avg.	Difference
Gasoline	$3.52	$3.46	1.7%
Tire Balancing	$76.01	$59.92	26.8%

Utilities

Item	Gardiner	National avg.	Difference
All Electricity	$218.65	$193.99	12.7%
Phone	$185.73	$192.25	3.4%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Randolph, ME	1,711	96	3.7%
Augusta, ME	18,662	98	1.5%
Farmingdale, ME	2,451	100	0.1%
Richmond, ME	1,740	101	1.1%
Winthrop, ME	2,476	106	5.9%
Gardiner, ME	5,670	99	0.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Valparaiso, FL	5,669	109	9.2%
Spring Grove, IL	5,672	126	25.7%
Mount Carmel, PA	5,672	84	15.9%
Webster, NY	5,666	97	3.0%
Surfside, FL	5,665	159	58.8%
Gardiner, ME	5,670	99	0.9%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Gardiner, ME