HomeMassachusettsEssex CountySwampscott CDP
Swampscott CDP, Massachusetts: commercial real estate data.
Swampscott CDP 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.
76 sourced place values · tier FULL · 8 sections
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 7(a) lending to Swampscott borrowers
- Approvals18
- Gross approval$3,173,400
- Average approval$176,300
- Median approval$80,000
- Ninetieth percentile approval$360,000
- 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
A charge-off rate is not published here. only 6 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Swampscott
SBA 504 lending to Swampscott borrowers
- Approvals4
- Gross approval$1,730,000
- Average approval$432,500
- Median approval$494,000
- Largest approval$805,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Essex County, not Swampscott
Essex County context, not Swampscott figures
These are Essex County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Swampscott measurements.
- Establishments in Essex County19,988
- Employment at those establishments, Essex County287,960
- Covered employment, Essex County323,694
- Average annual pay, Essex County$75,548
- Average weekly wage, Essex County$1,453
- Housing units permitted, Essex County1,011
- Of those, single family, Essex County393
- County product, 2024, Essex County$60,732,738,000
- County product change over the prior year, Essex County4.3 percent
- Average income of an arriving household, Essex County$106,455
Every figure in this section is published for Essex County as a whole and is not a measurement of Swampscott. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $3.2 m, across 8 lenders, median approval $80,000, plus 4 504 approvals worth $1.7 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Swampscott figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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