Market Overview
Home Prices in Surf City, NJ
The median home value in Surf City, NJ is $1,708,073 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 11.9% compared to a year ago and down 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Surf City are priced317% above average. Surf City is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Surf City home values have risen by approximately45.1%, reflecting strong long-term appreciation in this market.
Price History
Surf City Home Price Trend
City Comparison
Surf City vs. National Median
At $1,708,073, homes in Surf City cost 317% above the national median of $410,000. Buyers in Surf City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Surf City?
20% Down Payment
$341,615
on $1,708,073
Monthly P&I
$8,908/mo
30-yr @ 6.8%
Total Monthly Est.
~$11,313/mo
incl. taxes & insurance
Income Needed
$452,520
gross annual (30% rule)
10% Down Option
$170,807
+ PMI applies
Loan Amount (20% dn)
$1,366,458
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Surf City, NJ?
The median home value in Surf City is $1,708,073 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 11.9% year-over-year.
How much have home prices changed in Surf City?
Over the past year, home values in Surf City have increased by 11.9%. Over five years, prices have risen approximately 45.1%.
How much do I need to earn to buy a home in Surf City?
To comfortably afford the median home price of $1,708,073 with a 20% down payment ($341,615) at today's rates (6.8%), you'd need a gross annual income of approximately $452,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Surf City compare to the national average home price?
The national median home value is approximately $410,000. At $1,708,073, homes in Surf City are 317% above the national average.
What metro area is Surf City part of?
Surf City is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.