Swampscott, Massachusetts Tier 2
Tier 2 · strong schools · about 34 minutes door-to-door to downtown Boston at peak · 76% of households own their home.
$1.05M
4BR / 2BA house (est.)
$780k
3BR townhouse (est.)
$575k
2BR condo (est.)
$11.50
Tax per $1,000 (FY2026)
42 min
Peak drive to Boston (modeled)
🚆 22 min
Commuter rail · ~22 min to terminal
76%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $6,491/mo | $278k/yr |
| 3BR / 2BA townhouse | $4,867/mo | $209k/yr |
| 2BR condo | $3,634/mo | $156k/yr |
Preliminary data: Swampscott is part of our newest batch of towns — its tax rate, prices, and demographics are estimates pending verification against municipal and census sources.
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Swampscott’s actual FY2026 rate ($11.50/$1,000 = 1.15% of assessed value) + $175 insurance. “Income needed” keeps housing at 28% of gross income. Prices are market estimates, not appraisals.
Community snapshot
| ACS 2019–2023 (via MAPC DataCommon) | Share |
|---|---|
| Homeowner households | 76% |
| White (non-Hispanic) | 85% |
| Asian (non-Hispanic) | 4.0% |
| Latino / Hispanic | 5.0% |
| African American (non-Hispanic) | 2.0% |
These figures are neutral census facts, shown for every town equally. They are never used to filter, rank, or recommend towns — see our methodology and the federal Fair Housing Act.
