Oxford, MA vs Swampscott, MA

The cost of living difference between Oxford, MA and Swampscott, MA is dramatic. Oxford is 41.8% cheaper than Swampscott, a gap that translates to thousands of dollars per year in household expenses. Oxford has a cost index of 95 while Swampscott sits at 163, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Oxford is $1,047/month compared to $2,223/month in Swampscott — a 53% difference. Home values follow the same pattern: Oxford is more affordable at $327,300 median vs $690,800.

Median household income in Oxford is $91,742 compared to $128,964 in Swampscott (-28.9%). The higher salaries in Swampscott partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Oxford spend roughly 13.7% of their income on rent, less than the 20.7% in Swampscott.

Climate-wise, both cities share similar average temperatures (48.1°F vs 49.9°F). Oxford receives more rainfall at 48.3" per year compared to 44.9" in Swampscott.