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Advertise here →Surf City, NC · Market Data
Surf City, North Carolina real estate market data.
Real estate market data for Surf City, NC (Pender County) — Census median home value $478,600, county listing prices up about 14.3% over the past year.
Surf City, NC is in Pender County, North Carolina — covering the whole local market here: resale homes, condos, land, and new construction. The most recent Census estimate puts the population at 4,160, with a median household income of $84,833. Census data puts Surf City's median home value at $478,600 (all owner-occupied homes); Pender County's current median listing price runs $619,773, up about 14.3% over the past year.
At a glance
Surf City market snapshot
Population
4,160
Median Household Income
$84,833
Median Home Value (city)
$478,600
Median Listing Price (Pender County)
$619,773
Median Gross Rent
$1,421/mo
Price Trend (YoY)
+14.3%
Market data compiled from public sources; deemed reliable but not guaranteed; verify independently. Full source list ↗
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What makes Surf City different
Home Value, By Source
The Census Bureau's American Community Survey (2023 5-year estimate) puts Surf City's median home value — across all owner-occupied homes, not just recent sales — at $478,600. Separately, Pender County's current median listing price (via Realtor.com data, 2026-06-01) runs $619,773. These cover different geography (city vs. county) and different measures (assessed value vs. active listings), which is why we show both rather than picking one — full source list on our data sources page.
County Price Trend
Pender County's FHFA house price index shows a 0.32% annual change in 2025.
Population & Income
Surf City has an estimated population of 4,160 and a median household income of $84,833, per the Census Bureau's American Community Survey (2023 5-year estimate).
Affordability Snapshot
Surf City's Census-reported median home value works out to about 5.6x the area's median household income, and median gross rent runs roughly 20% of that same income on an annualized basis. Housing economists commonly flag a price-to-income ratio above 4x as historically elevated -- useful context, not a personal affordability verdict.
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Common questions
Surf City FAQ
What are home values like in Surf City, NC?
The Census Bureau's American Community Survey puts Surf City's median home value at $478,600. Pender County's current median listing price runs $619,773, up about 14.3% over the past year.
What is the population of Surf City, NC?
The U.S. Census Bureau's American Community Survey (2023 5-year estimate) puts Surf City's population at approximately 4,160.
What's the median rent in Surf City, NC?
The Census ACS estimates median gross rent in Surf City at approximately $1,421 per month.
What is the median household income in Surf City, NC?
Census ACS data puts the median household income in Surf City at approximately $84,833.
Is the Surf City housing market growing?
Pender County's FHFA house price index shows a 0.32% annual change in 2025.
Is Surf City, NC affordable relative to income?
Census ACS data puts Surf City's median home value at about 5.6 times the median household income, with median gross rent equal to roughly 20% of that income annually. This is a general benchmark, not a personal pre-qualification -- your own income, debt, and down payment determine what you can actually afford.
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