HomeMassachusettsMiddlesex CountyWaltham
Waltham, Massachusetts: commercial real estate data.
Waltham is a Census city of 64,902 people across 12.74 square miles of land, in Middlesex County. Median household income is $120,216, 49.7 percent of occupied homes are owned, and the SBA record carries 101 7(a) approvals to borrowers here worth $32.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waltham
What Waltham is
- Census place typecity
- Land area12.74 sq mi
- Water area1.02 sq mi
- Population per square mile of land5,093
- 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.
Waltham
How many people live in Waltham
- Population64,902
- Median age34.4
- Population under 188,848
- Share under 1813.6 percent
- Population 65 and over10,228
- Share 65 and over15.8 percent
- Households25,498
- Family households13,440
- Share of households that are families52.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waltham
Income and work in Waltham
- Median household income$120,216
- Per capita income$58,449
- Civilian labor force38,834
- Employed37,385
- Unemployed1,449 plus or minus 324
- Unemployment rate3.7 percent plus or minus 0.8
- Adults 25 and over43,340
- Adults 25 and over with a high school diploma or higher93.3 percent
- Adults 25 and over with a bachelor degree or higher57.3 percent
- Adults 25 and over with a graduate degree27.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waltham
Housing in Waltham
- Housing units26,728
- Occupied units25,498
- Vacant units1,230 plus or minus 339
- Vacancy rate4.6 percent plus or minus 1.3
- Owner occupied12,670
- Renter occupied12,828
- Ownership rate49.7 percent
- Median owner-occupied home value$748,700
- Median gross rent, monthly$2,268
- Annual rent as a share of median income22.6 percent
- Single family units12,226
- Share single family45.7 percent
- Units in buildings of two or more14,448
- Share in buildings of two or more54.1 percent
- Mobile homes42 plus or minus 48
- Median year structure built1961
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waltham
How Waltham gets to work
- Workers 16 and over who commute27,894
- Commuting under 15 minutes7,051
- Share commuting under 15 minutes25.3 percent
- Commuting 30 minutes or more10,604
- Share commuting 30 minutes or more38.0 percent
- Drove alone53.0 percent
- Carpooled9.5 percent plus or minus 2.6
- Public transport4.5 percent plus or minus 1.0
- Walked6.2 percent
- Worked from home24.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waltham
SBA loans in Waltham (7(a))
- Approvals101
- Gross approval$32,895,200
- Average approval$325,695
- Median approval$153,000
- Ninetieth percentile approval$700,000
- Largest approval$2,350,000
- Jobs supported1,236
- Jobs per approval12.2
- Loans with a final outcome19
- Paid in full18
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more3.0 percent
- Share to franchises10.9 percent
- Distinct lenders31
- Distinct industries by NAICS66
Counted by borrower city: approvals to borrowers whose address is in Waltham, in any county, FY2020 to FY2026. Only 19 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.
Waltham
SBA loans in Waltham (504)
- Approvals35
- Gross approval$26,889,000
- Average approval$768,257
- Median approval$593,000
- Largest approval$3,530,000
- Jobs supported289
- Loans with a final outcome11
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Waltham, in any county, FY2010 to FY2026. Only 11 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.
Waltham
Flood risk in Waltham
- NFIP communityCity of Waltham
- NFIP community number250222
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/08/25
The City of Waltham participates in the National Flood Insurance Program as community 250222 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 Waltham
Middlesex County context, not Waltham 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 Waltham.
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
Waltham questions, answered from the record.
How many people live in Waltham, Massachusetts?
64,902, in 25,498 households. Waltham city covers 12.74 square miles of land, which is 5,093 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waltham 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 Waltham?
$120,216. The median owner-occupied home is valued at $748,700. Median gross rent is $2,268 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waltham businesses?
101 7(a) approvals totaling $32.9 m since FY2020, across 31 lenders, median approval $153,000, plus 35 504 approvals worth $26.9 m since FY2010. These count approvals to borrowers whose address is in Waltham, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waltham borrowers get paid back?
No rate is published for Waltham. Only 19 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 Waltham in the National Flood Insurance Program?
Yes. Waltham appears in the FEMA Community Status Book as Waltham, city of, community 250222, 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 Waltham 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 Waltham.
Is zoning published for Waltham?
No. Nothing on this page presents parcel level zoning.
Nearby