HomeMassachusettsEssex CountyLawrence
Lawrence, Massachusetts: commercial real estate data.
Lawrence is a Census city of 88,736 people across 6.93 square miles of land, in Essex County. Median household income is $60,433, 28.1 percent of occupied homes are owned, and the SBA record carries 141 7(a) approvals to borrowers here worth $35.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lawrence
What Lawrence is
- Census place typecity
- Land area6.93 sq mi
- Water area0.5 sq mi
- Population per square mile of land12,805
- County holding the largest share of its areaEssex County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lawrence
How many people live in Lawrence
- Population88,736
- Median age32.6
- Population under 1823,362
- Share under 1826.3 percent
- Population 65 and over9,318
- Share 65 and over10.5 percent
- Households31,142
- Family households20,982
- Share of households that are families67.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lawrence
Income and work in Lawrence
- Median household income$60,433
- Per capita income$28,249
- Civilian labor force46,583
- Employed42,637
- Unemployed3,946
- Unemployment rate8.5 percent
- Adults 25 and over55,420
- Adults 25 and over with a high school diploma or higher72.5 percent
- Adults 25 and over with a bachelor degree or higher16.8 percent
- Adults 25 and over with a graduate degree5.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lawrence
Housing in Lawrence
- Housing units31,845
- Occupied units31,142
- Vacant units703 plus or minus 202
- Vacancy rate2.2 percent plus or minus 0.6
- Owner occupied8,738
- Renter occupied22,404
- Ownership rate28.1 percent
- Median owner-occupied home value$415,200
- Median gross rent, monthly$1,662
- Annual rent as a share of median income33.0 percent
- Single family units8,541
- Share single family26.8 percent
- Units in buildings of two or more23,245
- Share in buildings of two or more73.0 percent
- Mobile homes59 plus or minus 44
- Median year structure built1950
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lawrence
How Lawrence gets to work
- Workers 16 and over who commute39,156
- Commuting under 15 minutes12,966
- Share commuting under 15 minutes33.1 percent
- Commuting 30 minutes or more12,334
- Share commuting 30 minutes or more31.5 percent
- Drove alone66.3 percent
- Carpooled14.6 percent
- Public transport3.6 percent plus or minus 1.0
- Walked2.6 percent plus or minus 0.7
- Worked from home6.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lawrence
SBA loans in Lawrence (7(a))
- Approvals141
- Gross approval$35,179,300
- Average approval$249,499
- Median approval$75,000
- Ninetieth percentile approval$500,000
- Largest approval$5,000,000
- Jobs supported1,286
- Jobs per approval9.1
- Loans with a final outcome37
- Paid in full31
- Charged off6
- Charge-off rate over resolved loans16.2 percent
- Median term120 months
- Share on real estate terms of 20 years or more3.5 percent
- Share to franchises2.1 percent
- Distinct lenders28
- Distinct industries by NAICS70
Counted by borrower city: approvals to borrowers whose address is in Lawrence, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lawrence
SBA loans in Lawrence (504)
- Approvals41
- Gross approval$20,709,000
- Average approval$505,098
- Median approval$307,000
- Largest approval$2,634,000
- Jobs supported265
- Loans with a final outcome6
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Lawrence, in any county, FY2010 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lawrence
Flood risk in Lawrence
- NFIP communityCity of Lawrence
- NFIP community number250087
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/08/25
The City of Lawrence participates in the National Flood Insurance Program as community 250087 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Essex County, not Lawrence
Essex County context, not Lawrence figures
- Establishments in Essex County19,988
- Covered employment, Essex County323,694
- Average annual pay, Essex County$75,548
- Housing units permitted, Essex County1,011
Every figure in this section is published for Essex County as a whole and is not a measurement of Lawrence.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Lawrence questions, answered from the record.
How many people live in Lawrence, Massachusetts?
88,736, in 31,142 households. Lawrence city covers 6.93 square miles of land, which is 12,805 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lawrence in?
Essex County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Lawrence?
$60,433. The median owner-occupied home is valued at $415,200. Median gross rent is $1,662 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lawrence businesses?
141 7(a) approvals totaling $35.2 m since FY2020, across 28 lenders, median approval $75,000, plus 41 504 approvals worth $20.7 m since FY2010. These count approvals to borrowers whose address is in Lawrence, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lawrence borrowers get paid back?
Of the 37 loans that have reached a final outcome, 31 were paid in full and 6 charged off, a charge off rate of 16.2 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Lawrence in the National Flood Insurance Program?
Yes. Lawrence appears in the FEMA Community Status Book as Lawrence, city of, community 250087, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Lawrence figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Essex County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Lawrence.
Is zoning published for Lawrence?
No. Nothing on this page presents parcel level zoning.
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