HomeMassachusettsMiddlesex CountyCambridge
Cambridge, Massachusetts: commercial real estate data.
Cambridge is a Census city of 118,796 people across 6.40 square miles of land, in Middlesex County. Median household income is $130,748, 33.5 percent of occupied homes are owned, and the SBA record carries 121 7(a) approvals to borrowers here worth $38.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cambridge
What Cambridge is
- Census place typecity
- Land area6.4 sq mi
- Water area0.71 sq mi
- Population per square mile of land18,571
- 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.
Cambridge
How many people live in Cambridge
- Population118,796
- Median age30.4
- Population under 1814,690
- Share under 1812.4 percent
- Population 65 and over14,440
- Share 65 and over12.2 percent
- Households49,444
- Family households19,757
- Share of households that are families40.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
Income and work in Cambridge
- Median household income$130,748
- Per capita income$78,723
- Civilian labor force73,493
- Employed70,999
- Unemployed2,494
- Unemployment rate3.4 percent
- Adults 25 and over79,275
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher80.8 percent
- Adults 25 and over with a graduate degree51.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
Housing in Cambridge
- Housing units54,840
- Occupied units49,444
- Vacant units5,396
- Vacancy rate9.8 percent
- Owner occupied16,547
- Renter occupied32,897
- Ownership rate33.5 percent
- Median owner-occupied home value$1,092,100
- Median gross rent, monthly$2,787
- Annual rent as a share of median income25.6 percent
- Single family units8,965
- Share single family16.3 percent
- Units in buildings of two or more45,847
- Share in buildings of two or more83.6 percent
- Mobile homes28 plus or minus 28
- Median year structure built1950
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
How Cambridge gets to work
- Workers 16 and over who commute48,353
- Commuting under 15 minutes10,488
- Share commuting under 15 minutes21.7 percent
- Commuting 30 minutes or more19,362
- Share commuting 30 minutes or more40.0 percent
- Drove alone19.7 percent
- Carpooled2.5 percent
- Public transport18.0 percent
- Walked19.2 percent
- Worked from home30.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
SBA loans in Cambridge (7(a))
- Approvals121
- Gross approval$38,145,500
- Average approval$315,252
- Median approval$130,000
- Ninetieth percentile approval$600,000
- Largest approval$5,000,000
- Jobs supported1,175
- Jobs per approval9.7
- Loans with a final outcome30
- Paid in full27
- Charged off3
- Charge-off rate over resolved loans10.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more1.7 percent
- Share to franchises9.1 percent
- Distinct lenders29
- Distinct industries by NAICS58
Counted by borrower city: approvals to borrowers whose address is in Cambridge, 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.
Cambridge
SBA loans in Cambridge (504)
- Approvals31
- Gross approval$19,677,000
- Average approval$634,742
- Median approval$394,000
- Largest approval$2,755,000
- Jobs supported245
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Cambridge, in any county, FY2010 to FY2026. Only 8 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.
Cambridge
Flood risk in Cambridge
- NFIP communityCity of Cambridge
- NFIP community number250186
- Participating in the NFIPYes
- Community Rating System classClass 9
- Currently effective map date07/08/25
The City of Cambridge participates in the National Flood Insurance Program as community 250186 and carries Community Rating System class 9, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Middlesex County, not Cambridge
Middlesex County context, not Cambridge 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 Cambridge.
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
Cambridge questions, answered from the record.
How many people live in Cambridge, Massachusetts?
118,796, in 49,444 households. Cambridge city covers 6.40 square miles of land, which is 18,571 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cambridge 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 Cambridge?
$130,748. The median owner-occupied home is valued at $1,092,100. Median gross rent is $2,787 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cambridge businesses?
121 7(a) approvals totaling $38.1 m since FY2020, across 29 lenders, median approval $130,000, plus 31 504 approvals worth $19.7 m since FY2010. These count approvals to borrowers whose address is in Cambridge, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cambridge borrowers get paid back?
Of the 30 loans that have reached a final outcome, 27 were paid in full and 3 charged off, a charge off rate of 10.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Cambridge in the National Flood Insurance Program?
Yes. Cambridge appears in the FEMA Community Status Book as Cambridge, city of, community 250186, carrying Community Rating System class 9, which is a premium discount for exceeding the program minimum. 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 Cambridge 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 Cambridge.
Is zoning published for Cambridge?
No. Nothing on this page presents parcel level zoning.
Nearby