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NC area data

Surf city, NC

Surf city, NC.

Population: 10,797 (Census ACS)

The median home value in Surf city, NC is $528,629 — up 2.3% over the past year. Homes sell for a median $519,000 after a median 64.5 days on market. Typical rent runs $1,880/month. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with hurricane, winterweather, lightning the top-rated hazards. Cost of living is 7.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$528,629

Median home value

+2.3%

1-year change

64.5

Median days on market

Relatively High

Hazard risk (county)

Home values & appreciation

Median home value
$528,629
1-year appreciation
+2.3%
3-year appreciation
+1.7%
5-year appreciation
+33.9%
10-year appreciation
+113.1%
All-time peak (2026-07)
$528,629
House Price Index (state)
438.2 (+1.0% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$519,000
Median list price
$581,950
Median price per sqft
$249
1-year sale-price change
-10.5%
Median days on market
64.5 days
Homes sold (recent period)
107
For-sale inventory
195
Sale-to-list ratio
98.0%
Active listings
173
1-year forecast
+3.7%
Days to pending
65 days
New listings (monthly)
47

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,880/mo
1-year rent change
+3.9%
Studio fair-market rent
$908/mo
1BR fair-market rent
$1,135/mo
2BR fair-market rent
$1,308/mo
3BR fair-market rent
$1,700/mo
4BR fair-market rent
$1,962/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
92.5 (100 = US avg)
Electricity rate (state-level)
14.0¢/kWh
Natural gas rate (state-level)
$16.40/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
4
Elementary schools
3
Middle schools
0
High schools
1
School districts serving the area
Onslow County Schools, Pender County Schools
Schools include
Dixon High, Dixon Elementary, Coastal Elementary, Surf City Elementary

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
hurricane, winterWeather, lightning, coastalFlooding, heatWave
Notable hazard ratings (county)
coastalFlooding: Relatively Moderate · coldWave: Relatively Low · drought: Relatively Low · earthquake: Relatively Low · hail: Relatively Low · heatWave: Relatively Moderate
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 72% of US counties
Buildings in wildfire direct-exposure zone
63.5%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Camp Lejeune Military Reservation (20.2 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
79.0°F
Average high
80.0°F
Average low
78.0°F
Annual precipitation
48.3 in
USDA plant hardiness zone
8b (extreme annual low 15 to 20°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
6.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
1,405
Jobs reachable by transit (45 min)
2,411

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Moores Creek National Battlefield (32 mi)
Airports within 30 mi
12
Nearest airport
Holly Ridge/Topsail Island Airport (2 mi)
Nearest major airport
MCAS New River / McCutcheon Field (17 mi)
Hospitals nearby (~15 mi)
339
Hospitals include
ST VINCENT'S BIRMINGHAM, MOBILE INFIRMARY MEDICAL CENTER, MEDICAL WEST, AN AFFILIATE OF UAB HEALTH SYSTEM
Avg hospital rating (CMS)
3.0 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Good (4.6 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+901 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
2,002
Housing built before 1970
10.4%
Housing built 2000 or later
54.1%
Median annual property tax
$2,575
Mean commute to work
20 min
Households with broadband internet
79.6%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
38,938
Average weekly wage
$768
Top industries (by employment)
Accommodation & Food, Health Care, Administrative Services
Annual residential building permits (county)
1,213

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

Surf cityState medianUS median
Median home value$528,629$287,250$289,727
Median sale price$519,000$330,000$325,000
Median days on market65 days70 days51 days
Typical rent$1,880/mo$1,686/mo$1,808/mo
Median annual property tax$2,575$1,366$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in Surf city, NC?
$528,629.
What is the median sale price in Surf city, NC?
$519,000.
How long do homes take to sell in Surf city, NC?
Median days on market: 64.5 days.
What is typical rent in Surf city, NC?
Typical rent: $1,880/month.
What is the natural-hazard risk in Surf city, NC?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: hurricane, winterWeather, lightning, coastalFlooding, heatWave.
Is Surf city, NC in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in Surf city, NC?
Risk to homes is higher than 72% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Surf city, NC?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Surf city, NC?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve Surf city, NC?
4 schools (3 elementary, 1 high) (NCES, 2022-23).
Is Surf city, NC walkable?
Walkability index: 6.5/20 (EPA Smart Location Database).
What is the cost of living in Surf city, NC?
Regional Price Parity: 92.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

ZIP code for Surf city

Selling a home in Surf city, NC?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents