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Advertise here →Surf City, NC · Houses & Market Data
Surf City, North Carolina houses and real estate market data.
Houses in Surf City, NC (Pender County) — Census median home value $478,600, county listing prices up about 14.3% over the past year. Market data for Surf City houses and the broader area.
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Surf City, NC is in Pender County, North Carolina — this guide covers houses in Surf City and the whole local market: 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 houses at a median value of $478,600 (all owner-occupied homes); Pender County's current median listing price runs $619,773, up about 14.3% over the past year.
Info from government sites and builders may have provided source info.
Market overview
Surf City housing market
Surf City is in Pender County, North Carolina. Manifest Census and county price-trend data provide baseline context for houses in Surf City and the surrounding county market.
Median home value (Census ACS)
$478,600
Population (Census ACS)
4,160
Median household income
$84,833
County price trend (2025)
0.32% YoY
Population, income, and median home value from the project batch manifest (Census ACS 2023 5-year). County price trend from FHFA county HPI when present in the manifest row.
At a glance
Surf City market snapshot
Population
4,160
County
Pender County
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. See About
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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.
Nearby
Places around Surf City
County guide: Pender County — cities, market context, and local resources for the county that includes Surf City.
USAHouses.com also helps visitors looking in nearby Pender County and other North Carolina communities. Some locations may not yet have dedicated pages, but many licensed professionals in this region assist surrounding communities.
Nearby communities include Holly Ridge, North Topsail Beach, Sneads Ferry, Jacksonville, Pumpkin Center, Piney Green, Half Moon, Swansboro, Richlands.
Holly Ridge market data
Nearby city · ~4.2 mi
North Topsail Beach market data
Nearby city · ~6.6 mi
Sneads Ferry market data
Nearby city · ~12.1 mi
Jacksonville market data
Nearby city · ~21.7 mi
Pumpkin Center market data
Nearby city · ~26.0 mi
Piney Green market data
Nearby city · ~26.3 mi
Half Moon market data
Nearby city · ~27.5 mi
Swansboro market data
Nearby city · ~28.9 mi
Richlands market data
Nearby city · ~32.0 mi
More North Carolina cities with market guides: Winston-Salem, Fayetteville, Cary, Wilmington, High Point, Concord, Asheville, Greenville.
Winston-Salem market data
Same-state city guide
Fayetteville market data
Same-state city guide
Cary market data
Same-state city guide
Wilmington market data
Same-state city guide
High Point market data
Same-state city guide
Concord market data
Same-state city guide
Asheville market data
Same-state city guide
Greenville market data
Same-state city guide
Adjacent-county Census places with USAHouses.com pages: Topsail Beach (~8.1 mi), Hampstead (~13.5 mi), Rocky Point (~20.3 mi), St. Helena (~22.5 mi), Burgaw (~23.5 mi), Long Creek (~27.5 mi), Watha (~28.2 mi), Cedar Point (~31.0 mi), Cape Carteret (~32.3 mi), Emerald Isle (~32.7 mi), Peletier (~33.2 mi), Bogue (~33.8 mi), Atkinson (~36.7 mi), Maysville (~36.7 mi), Indian Beach (~40.1 mi), Broad Creek (~40.6 mi).
New construction: New homes near Surf City (Charlotte) · New homes near Surf City (Greensboro) · North Carolina new construction.
Census & home facts
Surf City data from published sources
Population (ACS 2023)
4,160
Median home value (ACS 2023)
$478,600
Median household income (ACS 2023)
$84,833
Median gross rent (ACS 2023)
$1,421
County FHFA annual change (2025)
2.85%
County median listing price (FRED/Realtor.com) (2026-06-01)
$340,998
Census place type
town
County
Onslow County
Land area (Census Gazetteer 2024)
7.68 sq mi
Census GEOID
3766040
Census ACS, FHFA, and FRED figures are labeled with the year present in existing CSVs. Subject to change / confirm locally.
NewUSAHouses.com communities
Closest verified new-home communities near Surf City
Availability and pricing are controlled by the builder and may change; confirm with the builder.
Pearl Landing ↗
Logan Homes · Surf City, North Carolina · ~0.0 mi
the Townhomes at Gateway Commons ↗
Dream Finders Homes · Holly Ridge, North Carolina · ~4.5 mi · from $268,990
Brookfield Branch Master ↗
Logan Homes · Hampstead, North Carolina · ~8.0 mi
East Wynd ↗
Mungo Homes · Hampstead, North Carolina · ~8.0 mi
Southwater Village ↗
LGI Homes · Hampstead, North Carolina · ~8.0 mi · from $284,900
Local life
Life in Surf City
Schools
Pender County Schools — 19 schools, 10,941 students enrolled, per the U.S. Department of Education's Common Core of Data. Pender addresses may be served by Pender County Schools, but attendance zones vary by street — confirm assigned schools with the district before making a move.
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Common questions
Surf City FAQ
What are houses worth in Surf City, NC?
The Census Bureau's American Community Survey puts the median value of houses in Surf City at $478,600. Pender County's current median listing price runs $619,773, up about 14.3% over the past year.
How much do houses cost in Surf City, NC?
For owner-occupied houses in Surf City, Census ACS data shows a median value of $478,600. Active listing prices in Pender County may differ — see the market snapshot above.
What types of houses are in Surf City, NC?
Surf City houses include resale single-family homes, condos, mobile homes, and small multi-unit buildings, plus new construction in surrounding Pender County communities where builders are active. The housing-stock section below uses Census ACS structure counts when available for this city.
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.
What school district serves Surf City, NC?
Manifest and public school-directory data suggest Pender County Schools for many Surf City addresses, but attendance zones vary by street — verify your assigned schools with the district before making a move.
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