Market Overview
Home Prices in Surfside Beach, TX
The median home value in Surfside Beach, TX is $310,065 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 14.6% compared to a year ago and down 9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Surfside Beach are priced24% below average. Surfside Beach is part of the Houston-The Woodlands-Sugar Land, TX metro area.
Over the past five years, Surfside Beach home values have risen by approximately1.7%, reflecting modest growth in this market.
Price History
Surfside Beach Home Price Trend
City Comparison
Surfside Beach vs. National Median
At $310,065, homes in Surfside Beach cost 24% below the national median of $410,000. This makes Surfside Beach a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Surfside Beach?
20% Down Payment
$62,013
on $310,065
Monthly P&I
$1,617/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,054/mo
incl. taxes & insurance
Income Needed
$82,160
gross annual (30% rule)
10% Down Option
$31,007
+ PMI applies
Loan Amount (20% dn)
$248,052
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 Surfside Beach, TX?
The median home value in Surfside Beach is $310,065 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 14.6% year-over-year.
How much have home prices changed in Surfside Beach?
Over the past year, home values in Surfside Beach have decreased by 14.6%. Over five years, prices have risen approximately 1.7%.
How much do I need to earn to buy a home in Surfside Beach?
To comfortably afford the median home price of $310,065 with a 20% down payment ($62,013) at today's rates (6.8%), you'd need a gross annual income of approximately $82,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Surfside Beach compare to the national average home price?
The national median home value is approximately $410,000. At $310,065, homes in Surfside Beach are 24% below the national average.
What metro area is Surfside Beach part of?
Surfside Beach is part of the Houston-The Woodlands-Sugar Land, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.