HomeMassachusettsMiddlesex CountyCambridge city
Cambridge city, Massachusetts: commercial real estate data.
Cambridge city 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.
77 sourced place values · tier FULL · 8 sections · 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
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Middlesex County, not Cambridge
Middlesex County context, not Cambridge figures
These are Middlesex County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cambridge measurements.
- Establishments in Middlesex County44,624
- Employment at those establishments, Middlesex County963,417
- Covered employment, Middlesex County926,104
- Average annual pay, Middlesex County$113,704
- Average weekly wage, Middlesex County$2,187
- Housing units permitted, Middlesex County3,495
- Of those, single family, Middlesex County889
- County product, 2024, Middlesex County$240,665,230,000
- County product change over the prior year, Middlesex County5.8 percent
- Average income of an arriving household, Middlesex County$129,274
Every figure in this section is published for Middlesex County as a whole and is not a measurement of Cambridge. 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
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 totalling $38.1 m, across 29 lenders, median approval $130,000, plus 31 504 approvals worth $19.7 m. 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.
Are the county figures on this page Cambridge figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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