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Swampscott CDP, MA

ZIP 01907 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01907

Median Home Value
$690,800
Median Rent
$2,078
Affordability Snapshot
$190,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,438/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 01907 in Swampscott CDP, MA, a household would need roughly $190,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,438. That is about 49% above the local median household income ($127,714), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.7%+13% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.2%-51% vs US avg
x
Mortgage-Free
23.1%-39% vs US avg
x
$690,800
Home Value
$2,078
Rent
1953
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached52.8%
  • 1-unit attached5.0%
  • 2-9 units26.8%
  • 10+ units15.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$690,800
Median rent$2,078
Owner-occupied73.7%
Vacant5.0%
Price-to-income5.4x
Est. income to buy$190,000