Can A Waiter or Waitress Afford Rent in Swampscott, MA?
Rent-burdened — rent takes 85.6% of gross income.
Swampscott rent: July 2026. Salary: BLS OEWS May 2024 (Massachusetts state estimate).
About rent and a waiter or waitress salary
Declared server pay (base plus reported tips) sits below the rent threshold needed for a one-bedroom apartment in most US cities, which is why the server workforce tends to live in shared housing. Actual tip income varies widely and can push real take-home well above the BLS figure, particularly in fine-dining and high-volume restaurants. At the national-average declared server salary, the 30% rule supports about $913 a month in rent. The per-city pages show which markets keep rent within that range.
Cheaper rent nearby
These Massachusetts cities have lower median rent than Swampscott, which improves the affordability math on a waiter or waitress salary:
Compare with full rent data for Swampscott
View full rent data for Swampscott, MA →Frequently asked questions
Can a waiter or waitress afford rent in Swampscott, MA?
Median rent in Swampscott is $3,021 a month. A typical waiter or waitress in Massachusetts earns about $42,375 a year, which makes that rent 85.6% of gross monthly income. Under the 30% rule, the answer is no — rent exceeds the 30% threshold.
How much rent can a waiter or waitress afford in Swampscott?
Using the 30% rule, a waiter or waitress salary in Massachusetts (~$42,375/yr) supports up to $1,059 a month in rent. Swampscott's current median rent is $3,021/mo, which is $1,962/mo over the affordability threshold.
How many hours does a waiter or waitress work to cover rent in Swampscott?
At an hourly equivalent of about $20 an hour, a waiter or waitress in Massachusetts works roughly 148.3 hours a month to cover Swampscott's median rent of $3,021.
Where is rent cheaper than Swampscott for a waiter or waitress?
Nearby Massachusetts cities with lower median rent include Watertown ($3,019/mo), Marblehead ($3,016/mo), Waltham ($3,016/mo). Each shifts the affordability math materially on a waiter or waitress salary.