The Town FilesMcSwain, California
Community in Merced County · population 4,480 (2020 Census)
- Median home
- $690,100
- Household income
- $139,131
- Jan low / Jul high
- 37° / 95°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 7
- Median age
- 33.8
McSwain is a community of 4,480 people in Merced County, California. The median home is worth $690,100, above the typical California town ($596,900). It ranks easier by car than 87% of California towns, better for families than 78% of California towns.
How McSwain ranks
Percentile among California towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of California towns.
Homes and cost of living
The median home in McSwain is worth $690,100, above the typical California town ($596,900). Homes cost about 5.0 times the median household income of $139,131, which is more affordable than 76% of California towns. Median rent is $1,516 a month. 73.8% of households own their home.
| Housing | McSwain | Typical California town |
|---|---|---|
| Median home value | $690,100 | $596,900 |
| Median rent | $1,516 | $1,827 |
| Median household income | $139,131 | $91,557 |
| Home value ÷ income | 5.0× | 6.4× |
| Homeownership | 73.8% | 67.4% |
| Median year built | 1995 | 1977 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in McSwain
| People | McSwain | Typical California town |
|---|---|---|
| Median age | 33.8 | 40.2 |
| Age 65 and over | 9.8% | 17.7% |
| Under 18 | 30.8% | — |
| Bachelor's degree or higher | 33.6% | 27.7% |
| Below the poverty line | 17.1% | 10.3% |
| Veterans | 4.4% | — |
| Born outside the U.S. | 17.8% | — |
| Work from home | 5.5% | 13.4% |
| Average commute | 23.1 min | 27.5 min |
| Homes with broadband | 91.9% | 93.3% |
Weather in McSwain
July highs average 94.8°F and January lows 36.9°F. About 12.5 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical California town: 0.0 in). Expect about 106 days a year at 90°F or hotter and 24 nights at or below freezing.
Tornadoes, storms and disasters
7 tornadoes have passed within 10 miles of McSwain since 1950, compared with 2 for the typical California town. The strongest, an F1, struck on December 16, 2002 about 4.1 miles from the town center. The most recent was on February 9, 2009.
Hail of 1 inch or larger has been reported within 10 miles 3 times; the largest was 1.75 inches on April 12, 2012.
Severe weather in Merced County since 1996
Merced County has been included in 19 federal disaster or emergency declarations since 1953, most often for flood, drought, freezing.
| Declared | Incident | Declaration |
|---|---|---|
| April 3, 2023 | Severe Storm | DR-4699: Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides |
| March 10, 2023 | Flood | EM-3592: Severe Winter Storms, Flooding, Landslides, And Mudslides |
| January 14, 2023 | Flood | DR-4683: Severe Winter Storms, Flooding, Landslides, And Mudslides |
| January 9, 2023 | Flood | EM-3591: Severe Winter Storms, Flooding, And Mudslides |
| March 22, 2020 | Biological | DR-4482: Covid-19 Pandemic |
Jobs and pay in Merced County
Merced County had 84,952 jobs in 2024, paying an average of $54,952 a year. Unemployment was 9% in 2023; in McSwain itself the ACS puts it at 3.2%.
Towns near McSwain
- Atwater, CA2.8 mi · 31,970 people · home $363,400
- Franklin, CA3.1 mi · 6,919 people · home $308,200
- Winton, CA5.2 mi · 11,709 people · home $339,400
- Merced, CA6.4 mi · 86,333 people · home $372,600
- Livingston, CA9.1 mi · 14,172 people · home $372,700
- Delhi, CA13.1 mi · 10,656 people · home $349,700
- Planada, CA14.7 mi · 4,164 people · home $266,400
- Hilmar-Irwin, CA15.8 mi · 5,164 people · home $449,600
McSwain questions
Is McSwain, California a good place to retire?
On The Town Files lifestyle rankings, McSwain scores better for retirees than 32% of California towns and quieter than 47%. 9.8% of residents are 65 or older (median age 33.8).
How much does a house cost in McSwain?
The median owner-occupied home in McSwain is valued at $690,100 (Census ACS 2020–2024), against a median household income of $139,131, so homes cost about 5.0 times income. Median rent is $1,516 a month.
What is the weather like in McSwain?
July highs average 94.8°F and January lows 36.9°F (NOAA 1991–2020 normals). It gets about 12.5 inches of precipitation a year and 0.0 inches of snow.
Does McSwain get tornadoes?
7 tornadoes have passed within 10 miles of McSwain since 1950 (NOAA Storm Events); the strongest was a F1 on December 16, 2002. The typical California town has had 2.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)