© OpenMapTiles © OpenStreetMap
Moving to
Swampscott.
Swampscott is an unincorporated community in Essex County, MA. It has no city government: the county runs it, and the Census counts it as its own place.
What it's like to live in Swampscott
Swampscott is an unincorporated community in Massachusetts with household incomes running above the national average, crime rates well below the national average, air quality that stays clean most of the year, and a highly educated workforce. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Swampscott deals with rent well above the national average, home prices well above the national average, commute times longer than most cities, and a rent burden that leaves many renters stretched thin.
The good
- Higher-than-average incomes
- Low crime rates
- Clean air
- Highly educated workforce
- Low student-teacher ratio
- Public transit that many commuters use
The not so good
- Rent well above the national average
- High home prices
- Above-average commute times
- High rent burden for renters
- Cold winters
- Snowy winters — 39" per year
How Swampscott compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Swampscott
Based on Swampscott's median rent, home value and household income
To rent
$4,606
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $92,120 a year
- 56% of Swampscott renters spend 30% or more of their income on rent
To buy
$154,220
a 20% down payment on the median home
- With 10% down: $77,110
- Homes cost 5.7× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 63% above US
$2,303/mo median rent
Rent is expensive here, at $2,303 a month median and well above the national average. This is the kind of city where housing costs deserve serious budgeting before committing to a move. Home prices are steep, with a median around $771,100. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $771,100 · 56% of renters cost-burdened
Job market
4.6% county unemployment
Unemployment in Essex County is 4.6%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Essex County (county-wide)
Safety▼ 61% below US
127 violent crimes per 100k
Safety is genuinely one of the selling points here. Both violent and property crime run well below the national average, the kind of numbers that fade into the background after a week of living somewhere.
Property crime 914/100k · Swampscott Police Department · 2025 data
Getting around▲ 32% above US
34 min average commute
Traffic is a real factor here. The 34.3 minute average means plenty of commuters are pushing 45 to 60 minutes on a bad day. Proximity to work matters more here than it might elsewhere. 6 in 10 workers drive to work; 11% take public transit; 27% work from home.
How workers get to work
Climate
Summers are comfortable, with highs around 78°F, and winters are cold, with lows around 21°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Education & workforce▲ 73% above US
62% bachelor's degree or higher
This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.
Schools
5 public schools inside the boundary
There are 5 public schools inside the boundary. The student-to-teacher ratio is 11:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Salem Maritime National Historical Park (4 miles away). There are 8 national parks and sites within a day's drive.
Bottom line
Swampscott's strongest points are household incomes running above the national average and crime rates well below the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($2,303/mo) equals 21% of the median household income here, about the same as the 21% typical nationwide. It tends to suit anyone prioritizing low crime, remote workers (27% of workers here already work from home), and people who would rather not drive. It may be a harder fit for renters on a tight budget and people who dread long commutes.
See all the data for Swampscott →·All Massachusetts cities →
Other places near Swampscott
All Massachusetts guides →Not sure Swampscott is the one?
Put it side by side with another city.