HomeMassachusettsEssex CountySwampscott
Swampscott, Massachusetts: commercial real estate data.
Swampscott is a Census CDP of 15,277 people across 3.02 square miles of land, in Essex County. Median household income is $134,386, 75.9 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $3.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Swampscott
What Swampscott is
- Census place typeCDP
- Land area3.02 sq mi
- Water area3.69 sq mi
- Population per square mile of land5,055
- 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.
Swampscott
How many people live in Swampscott
- Population15,277
- Median age44.5
- Population under 183,067
- Share under 1820.1 percent
- Population 65 and over3,110
- Share 65 and over20.4 percent
- Households6,155
- Family households4,350
- Share of households that are families70.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swampscott
Income and work in Swampscott
- Median household income$134,386
- Per capita income$78,590
- Civilian labor force8,278
- Employed7,770
- Unemployed508 plus or minus 335
- Unemployment rate6.1 percent plus or minus 4.0
- Adults 25 and over11,156
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher62.2 percent
- Adults 25 and over with a graduate degree31.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swampscott
Housing in Swampscott
- Housing units6,593
- Occupied units6,155
- Vacant units438 plus or minus 200
- Vacancy rate6.6 percent plus or minus 3.0
- Owner occupied4,669
- Renter occupied1,486
- Ownership rate75.9 percent
- Median owner-occupied home value$771,100
- Median gross rent, monthly$2,303
- Annual rent as a share of median income20.6 percent
- Single family units3,821
- Share single family58.0 percent
- Units in buildings of two or more2,772
- Share in buildings of two or more42.0 percent
- Mobile homes0
- Median year structure built1955
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swampscott
How Swampscott gets to work
- Workers 16 and over who commute5,562
- Commuting under 15 minutes904 plus or minus 209
- Share commuting under 15 minutes16.3 percent plus or minus 3.3
- Commuting 30 minutes or more2,896
- Share commuting 30 minutes or more52.1 percent
- Drove alone54.5 percent
- Carpooled4.7 percent plus or minus 2.0
- Public transport11.4 percent plus or minus 5.1
- Walked1.5 percent plus or minus 0.9
- Worked from home27.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swampscott
SBA loans in Swampscott (7(a))
- Approvals18
- Gross approval$3,173,400
- Average approval$176,300
- Median approval$80,000
- Largest approval$1,252,900
- Jobs supported85
- Jobs per approval4.7
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term84 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders8
- Distinct industries by NAICS14
Counted by borrower city: approvals to borrowers whose address is in Swampscott, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Swampscott
SBA loans in Swampscott (504)
- Approvals4
- Gross approval$1,730,000
- Average approval$432,500
- Median approval$376,000
- Largest approval$805,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Swampscott, in any county, FY2010 to FY2026. Only 0 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.
Swampscott
Flood risk in Swampscott
- NFIP communityTown of Swampscott
- NFIP community number250105
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/08/25
The Town of Swampscott participates in the National Flood Insurance Program as community 250105 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 Swampscott
Essex County context, not Swampscott 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 Swampscott.
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
Swampscott questions, answered from the record.
How many people live in Swampscott, Massachusetts?
15,277, in 6,155 households. Swampscott CDP covers 3.02 square miles of land, which is 5,055 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Swampscott 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 Swampscott?
$134,386. The median owner-occupied home is valued at $771,100. Median gross rent is $2,303 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Swampscott businesses?
18 7(a) approvals totaling $3.2 m since FY2020, across 8 lenders, median approval $80,000, plus 4 504 approvals worth $1.7 m since FY2010. These count approvals to borrowers whose address is in Swampscott, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Swampscott borrowers get paid back?
No rate is published for Swampscott. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Swampscott in the National Flood Insurance Program?
Yes. Swampscott appears in the FEMA Community Status Book as Swampscott, town of, community 250105, 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 Swampscott 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 Swampscott.
Is zoning published for Swampscott?
No. Nothing on this page presents parcel level zoning.
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