HomeMassachusettsMiddlesex CountyAyer
Ayer, Massachusetts: commercial real estate data.
Ayer is a Census CDP of 3,098 people across 1.33 square miles of land, in Middlesex County. Median household income is $74,878, 58.1 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $535,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ayer
What Ayer is
- Census place typeCDP
- Land area1.33 sq mi
- Water area0.06 sq mi
- Population per square mile of land2,336
- County holding the largest share of its areaMiddlesex 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.
Ayer
How many people live in Ayer
- Population3,098
- Median age42.1
- Population under 18643 plus or minus 183
- Share under 1820.8 percent plus or minus 5.3
- Population 65 and over473 plus or minus 183
- Share 65 and over15.3 percent plus or minus 5.5
- Households1,511
- Family households597 plus or minus 145
- Share of households that are families39.5 percent plus or minus 8.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ayer
Income and work in Ayer
- Median household income$74,878 plus or minus $16,927
- Per capita income$53,068
- Civilian labor force1,979
- Employed1,898
- Unemployed81 plus or minus 76
- Unemployment rate4.1 percent plus or minus 3.8
- Adults 25 and over2,312
- Adults 25 and over with a high school diploma or higher89.9 percent
- Adults 25 and over with a bachelor degree or higher37.7 percent plus or minus 8.0
- Adults 25 and over with a graduate degree14.6 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ayer
Housing in Ayer
- Housing units1,631
- Occupied units1,511
- Vacant units120 plus or minus 114
- Vacancy rate7.4 percent plus or minus 6.9
- Owner occupied878
- Renter occupied633 plus or minus 161
- Ownership rate58.1 percent
- Median owner-occupied home value$444,600
- Median gross rent, monthly$1,240
- Annual rent as a share of median income19.9 percent plus or minus 5.2
- Single family units799 plus or minus 169
- Share single family49.0 percent
- Units in buildings of two or more832 plus or minus 229
- Share in buildings of two or more51.0 percent plus or minus 12.0
- Mobile homes0
- Median year structure built1952
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ayer
How Ayer gets to work
- Workers 16 and over who commute1,454
- Commuting under 15 minutes313 plus or minus 163
- Share commuting under 15 minutes21.5 percent plus or minus 10.3
- Commuting 30 minutes or more702 plus or minus 206
- Share commuting 30 minutes or more48.3 percent plus or minus 10.4
- Drove alone72.6 percent
- Carpooled2.9 percent plus or minus 2.2
- Public transport4.7 percent plus or minus 3.3
- Walked0.0 percent
- Worked from home19.8 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ayer
SBA loans in Ayer (7(a))
- Approvals4
- Gross approval$535,000
- Average approval$133,750
- Median approval$80,000
- Largest approval$350,000
- Jobs supported15
- Jobs per approval3.8
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Ayer, in any county, FY2020 to FY2026. Only 1 loan has 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.
Ayer
SBA loans in Ayer (504)
- Approvals7
- Gross approval$3,266,000
- Average approval$466,571
- Median approval$327,000
- Largest approval$1,153,000
- Jobs supported47
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ayer, in any county, FY2010 to FY2026. Only 2 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.
Ayer
Flood risk in Ayer
- NFIP communityTown of Ayer
- NFIP community number250180
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/08/25
The Town of Ayer participates in the National Flood Insurance Program as community 250180 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.
Middlesex County, not Ayer
Middlesex County context, not Ayer figures
- Establishments in Middlesex County44,624
- Covered employment, Middlesex County926,104
- Average annual pay, Middlesex County$113,704
- Housing units permitted, Middlesex County3,495
Every figure in this section is published for Middlesex County as a whole and is not a measurement of Ayer.
All Middlesex County figures →
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
Ayer questions, answered from the record.
How many people live in Ayer, Massachusetts?
3,098, in 1,511 households. Ayer CDP covers 1.33 square miles of land, which is 2,336 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ayer in?
Middlesex 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 Ayer?
$74,878. The median owner-occupied home is valued at $444,600. Median gross rent is $1,240 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ayer businesses?
4 7(a) approvals totaling $535,000 since FY2020, across 4 lenders, median approval $80,000, plus 7 504 approvals worth $3.3 m since FY2010. These count approvals to borrowers whose address is in Ayer, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ayer borrowers get paid back?
No rate is published for Ayer. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ayer in the National Flood Insurance Program?
Yes. Ayer appears in the FEMA Community Status Book as Ayer, town of, community 250180, 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 Ayer figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Middlesex 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 Ayer.
Is zoning published for Ayer?
No. Nothing on this page presents parcel level zoning.
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