Housing in Swampscott

Swampscott continues to face a serious housing challenge—one that has been studied repeatedly but not meaningfully addressed.

The Reality

The State of Massachusetts scores municipalities on housing from 0–15, and Swampscott remains limited in both availability and diversity of housing options.

  • Only three state-funded housing properties currently exist in town

    • Cherry Street (Scores at 13) – does not qualify for federal funding

    • Doherty (Scores at 44, senior housing) - failing Score

    • Dunkin Terrace (Scores at 37) - failing score

  • Swampscott has completed three state-funded housing studies

  • Every study reached the same conclusion:
    There is a shortage of affordable housing, senior housing, and workforce housing

  • Despite this, the town has largely talked about the problem without taking action

Moving from Talk to Action

To address these challenges, Swampscott is beginning to take important steps forward.

  • At the urging of the state’s Housing Authority leadership, the town is forming the Swampscott Housing Development Corporation, a nonprofit entity

  • The board is currently being seated, with a formal kickoff expected in 2026

  • This nonprofit will help create real housing solutions instead of relying solely on private market forces

Smarter Planning for the Future

Housing solutions must be intentional and well-planned.

  • Swampscott should revisit and refine its zoning bylaws

  • Clearer, more targeted zoning will allow developers to build the types of housing our town truly needs

  • Thoughtful planning can preserve community character while expanding housing opportunities

Looking Ahead

Swampscott needs housing solutions that support seniors, working families, and future generations. By aligning zoning, planning, and partnerships, the town can move beyond studies and begin delivering real results.