Swampscott, MA population, income and ZIP codes

Swampscott CDP is a mid-size town in Massachusetts, with 15,209 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #80 of 248 ranked by population — larger than 68% of them. The median age here is 45.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Swampscott CDP earn a median of $128,964 a year, 64.2% above the national figure of $78,538 and 30% above the $99,537 median for the 222 Massachusetts cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Swampscott CDP is valued at $690,800, 127.7% above the national figure and 39% above the $497,400 peer median, while median gross rent runs $2,223 a month, 58.1% above the national figure, or roughly $26,676 across a full year. A household on the local median income would put about 20.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 74.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.