HomeMassachusettsMiddlesex CountyShirley
Shirley, Massachusetts: commercial real estate data.
Shirley is a Census CDP of 1,146 people across 1.32 square miles of land, in Middlesex County. Median household income is $108,494, 63.2 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $1.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Shirley
What Shirley is
- Census place typeCDP
- Land area1.32 sq mi
- Water area0.02 sq mi
- Population per square mile of land869 plus or minus 378
- 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.
Shirley
How many people live in Shirley
- Population1,146 plus or minus 498
- Median age44.2 plus or minus 14.6
- Population under 18211 plus or minus 135
- Share under 1818.4 percent plus or minus 8.7
- Population 65 and over181 plus or minus 84
- Share 65 and over15.8 percent
- Households503 plus or minus 206
- Family households285 plus or minus 135
- Share of households that are families56.7 percent plus or minus 13.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shirley
Income and work in Shirley
- Median household income$108,494 plus or minus $61,712
- Per capita income$50,273
- Civilian labor force712 plus or minus 347
- Employed669 plus or minus 326
- Unemployed43 plus or minus 71
- Unemployment rate6.0 percent plus or minus 9.5
- Adults 25 and over867 plus or minus 356
- Adults 25 and over with a high school diploma or higher97.9 percent plus or minus 51.0
- Adults 25 and over with a bachelor degree or higher47.4 percent plus or minus 9.7
- Adults 25 and over with a graduate degree15.0 percent plus or minus 9.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shirley
Housing in Shirley
- Housing units503 plus or minus 206
- Occupied units503 plus or minus 206
- Vacant units0
- Vacancy rate0.0 percent
- Owner occupied318 plus or minus 153
- Renter occupied185 plus or minus 124
- Ownership rate63.2 percent plus or minus 16.0
- Median owner-occupied home value$395,800
- Median gross rent, monthly$982 plus or minus $797
- Annual rent as a share of median income10.9 percent plus or minus 10.8
- Single family units325 plus or minus 147
- Share single family64.6 percent
- Units in buildings of two or more178 plus or minus 127
- Share in buildings of two or more35.4 percent plus or minus 20.8
- Mobile homes0
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shirley
How Shirley gets to work
- Workers 16 and over who commute513 plus or minus 248
- Commuting under 15 minutes80 plus or minus 84
- Share commuting under 15 minutes15.6 percent plus or minus 14.6
- Commuting 30 minutes or more260 plus or minus 133
- Share commuting 30 minutes or more50.7 percent
- Drove alone69.6 percent
- Carpooled6.4 percent plus or minus 10.3
- Public transport2.6 percent plus or minus 4.1
- Walked0.0 percent
- Worked from home21.3 percent plus or minus 17.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shirley
SBA loans in Shirley (7(a))
- Approvals8
- Gross approval$1,340,000
- Average approval$167,500
- Median approval$175,000
- Largest approval$310,000
- Jobs supported87
- Jobs per approval10.9
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term102 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Shirley, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Shirley
SBA loans in Shirley (504)
- Approvals4
- Gross approval$791,000
- Average approval$197,750
- Median approval$225,000
- Largest approval$247,000
- Jobs supported20
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Shirley, 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.
Shirley
Flood risk in Shirley
- NFIP communityTown of Shirley
- NFIP community number250213
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/08/25
The Town of Shirley participates in the National Flood Insurance Program as community 250213 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 Shirley
Middlesex County context, not Shirley 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 Shirley.
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
Shirley questions, answered from the record.
How many people live in Shirley, Massachusetts?
1,146, in 503 households. Shirley CDP covers 1.32 square miles of land, which is 869 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Shirley 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 Shirley?
$108,494. The median owner-occupied home is valued at $395,800. Median gross rent is $982 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Shirley businesses?
8 7(a) approvals totaling $1.3 m since FY2020, across 5 lenders, median approval $175,000, plus 4 504 approvals worth $791,000 since FY2010. These count approvals to borrowers whose address is in Shirley, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Shirley borrowers get paid back?
No rate is published for Shirley. Only 0 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 Shirley in the National Flood Insurance Program?
Yes. Shirley appears in the FEMA Community Status Book as Shirley, town of, community 250213, 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 Shirley 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 Shirley.
Is zoning published for Shirley?
No. Nothing on this page presents parcel level zoning.
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