Market Overview
Home Prices in Swampscott, MA
The median home value in Swampscott, MA is $847,308 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.2% compared to a year ago and up 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Swampscott are priced107% above average. Swampscott is part of the Boston-Cambridge-Newton, MA-NH metro area.
Over the past five years, Swampscott home values have risen by approximately23.6%, reflecting strong long-term appreciation in this market.
Price History
Swampscott Home Price Trend
City Comparison
Swampscott vs. National Median
At $847,308, homes in Swampscott cost 107% above the national median of $410,000. Buyers in Swampscott should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Swampscott?
20% Down Payment
$169,462
on $847,308
Monthly P&I
$4,419/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,612/mo
incl. taxes & insurance
Income Needed
$224,480
gross annual (30% rule)
10% Down Option
$84,731
+ PMI applies
Loan Amount (20% dn)
$677,846
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Swampscott, MA?
The median home value in Swampscott is $847,308 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.2% year-over-year.
How much have home prices changed in Swampscott?
Over the past year, home values in Swampscott have increased by 2.2%. Over five years, prices have risen approximately 23.6%.
How much do I need to earn to buy a home in Swampscott?
To comfortably afford the median home price of $847,308 with a 20% down payment ($169,462) at today's rates (6.8%), you'd need a gross annual income of approximately $224,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Swampscott compare to the national average home price?
The national median home value is approximately $410,000. At $847,308, homes in Swampscott are 107% above the national average.
What metro area is Swampscott part of?
Swampscott is part of the Boston-Cambridge-Newton, MA-NH metropolitan area. Home prices and market conditions can vary across the broader metro region.