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Swampscott, MA Utility & Living Guide
Swampscott is a town in Essex County, Massachusetts, United States, located 15 miles (24 km) up the coast from Boston in an area known as the North Shore. The population was 15,111 as of the 2020 United States census. A former summer resort on Massachusetts Bay, Swampscott is today a fairly affluent
Monthly Utility Costs
$140/mo
$80/mo
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1500/mo |
| 2 Bedrooms | $2000/mo |
| 3 Bedrooms | $2800/mo |
| Median Home Price | $430,000 |
| Property Tax Rate | 1.23% |
| Avg Childcare/mo | $1200 |
The housing market in Swampscott is highly competitive, with a mix of older and newer homes, and a strong demand for properties near the beach and commuter rail. The town has a range of housing options, from condos to single-family homes. However, prices can be steep, and inventory is often limited.
Cost of Living
146
+46% above national average
108
102
105
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.23% |
| <p>State 6.25% + No county tax</p> | |
Massachusetts has a flat state income tax rate of 5.2%, with some deductions and exemptions available
Family & Relocation
40
8/10
$1200/mo
City Pulse
Swampscott has a relatively stroller-friendly public transit system, with accessible buses and a commuter rail station, but some areas can be challenging to navigate with a stroller
- Swampscott Beach
- Marblehead Harbor
- Lynn Shore Drive
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Swampscott based on your household profile.
📰 Live Local News
Swampscott has regulations regarding beach parking, zoning, and historic district preservation
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Swampscott — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Swampscott can fluctuate significantly by season, with higher electricity costs in the summer due to air conditioning and higher gas costs in the winter for heating. However, the town's coastal location can also lead to higher electricity costs during the summer months due to the demand for cooling.
🏛️ Local Tax Details
The ZIP code 01907 has a property tax rate of 1.23%, with no local surtaxes
👶 Family & Stroller Friendliness
7, with wide sidewalks, accessible parks, and relatively flat terrain, but some areas can be challenging to navigate with a stroller due to narrow streets and lack of elevators in some buildings
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