Housing data for Surf City Borough, NJ
Surf City Borough, NJ has an estimated 1,195 residents and 2,497 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a borough in Ocean County.
8.4% of households rent.
The median gross rent is $2,056 a month.
Figures last updated on .
- Residents
- 1,195 (±145)
- Housing units
- 2,497 (±161)
- Households that rent
- 8.4%
- Median gross rent
- $2,056
- Residents since 2015–2019
- −6.0%
What stands out in Surf City Borough
Median home value: $1,034,000 (±$85,344) in Surf City Borough, higher than in Ocean County ($398,400).
Rental vacancy rate: 22.7% (±14.3 points) in Surf City Borough, higher than in Ocean County (3.1%).
Working from home: 33.6% (±9.1 points) in Surf City Borough, higher than in Ocean County (12.5%).
Homes in buildings of 5 or more units: 0.1% (±2.6 points) in Surf City Borough, lower than in Ocean County (8.3%).
- Home values in Surf City Borough
- Commute and cars in Surf City Borough
- Types of homes in Surf City Borough
Housing in Surf City Borough at a glance
- Median rent: $2,056 median gross rent a month (Small sample: wide margin of error)
- Rent burden: 39.5% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 8.4% of households rent
- Income and affordability: $118,750 median household income
- Home values: $1,034,000 median home value
- Homeowner costs: $3,332 median monthly cost with a mortgage
- Property taxes: $7,818 median real estate taxes a year
- Types of homes: 0.1% of homes are in buildings of 5 or more units
- Bedrooms: 90.3% of homes have 3 or more bedrooms
- Age of homes: 59.5% of homes were built before 1980
- Vacancy rate: 22.7% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 78.7% heat with utility gas
- Commute and cars: 35.0 minutes average trip to work
- Crime reported to police: 75 violent crimes per 100,000 residents
- Growth: −6.0% residents since 2015–2019
- How long people stay: 21.4% moved in since 2020
- Crowding and facilities: 0.5% of homes have more than 1 person per room (Small sample: wide margin of error)
Surf City Borough against Ocean County, its state and the nation
| Surf City Borough | Ocean County | New Jersey | United States | |
|---|---|---|---|---|
| Residents | 1,195 (±145) | 654,362 (exact) | 9,343,809 (exact) | 334,922,499 |
| Housing units | 2,497 (±161) | 296,357 (±123) | 3,791,354 (±469) | 143,775,355 |
| Households that rent | 8.4% (±3.5 points) | 19.3% (±0.7 points) | 36.2% (±0.2 points) | 34.8% |
| Median gross rent | $2,056 (±$795) | $1,755 (±$30) | $1,720 (±$7) | $1,413 |
| Median household income | $118,750 (±$20,339) | $89,863 (±$1,555) | $103,556 (±$513) | $80,734 |
| Median home value | $1,034,000 (±$85,344) | $398,400 (±$3,284) | $454,400 (±$1,150) | $332,700 |
| Median real estate taxes (a year) | $7,818 (±$704) | $6,562 (±$55) | $9,590 (±$25) | $3,119 |
| Built before 1980 | 59.5% (±6.3 points) | 48.3% (±1.0 points) | 62.8% (±0.3 points) | 49.7% |
| Average commute | 35.0 minutes (±6.3) | 30.0 minutes (±0.5) | 30.5 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 98.0% (±1.4 points) | 88.7% (±0.5 points) | 92.8% (±0.1 points) | 91.0% |
| Median age of residents | 62.9 years (±1.3) | 41.2 years (±0.2) | 40.1 years (±0.1) | 38.9 years |
Surf City Borough covers 0.7 square miles of land, about 1,606 residents per square mile (Census Bureau Gazetteer).
How Surf City Borough has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 1,271 (±135) | 1,195 (±145) | −6.0% | Not a measurable change |
| Housing units | 2,528 (±106) | 2,497 (±161) | −1.2% | Not a measurable change |
| Median gross rent | $1,358 (±$61) | $2,056 (±$795) | +51.4% | No measurable change after inflation |
| Median home value | $727,800 (±$32,689) | $1,034,000 (±$85,344) | +42.1% | Up after inflation |
| Median household income | $90,313 (±$14,350) | $118,750 (±$20,339) | +31.5% | No measurable change after inflation |
| Median owner cost with a mortgage | $2,679 (±$221) | $3,332 (±$256) | +24.4% | No measurable change after inflation |
| Median real estate taxes | $6,803 (±$269) | $7,818 (±$704) | +14.9% | No measurable change after inflation |
| Households that rent | 14.2% (±4.2 points) | 8.4% (±3.5 points) | −5.8 percentage points | Measurable decrease |
| Rental vacancy rate | 10.3% (±7.4 points) | 22.7% (±14.3 points) | +12.4 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Surf City Borough
In 2024, the Surf City Police Department reported 75 violent and 825 property crimes per 100,000 residents to the FBI.
Places near Surf City Borough
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Ship Bottom Borough | 1.4 mi | $1,455 | $975,800 | 8.2% |
| Harvey Cedars Borough | 2.9 mi | — | $1,224,400 | 4.9% |
| Beach Haven West | 3.4 mi | $1,702 | $641,700 | 2.9% |
| Manahawkin | 4.2 mi | $1,730 | $465,000 | 20.1% |
| North Beach Haven | 4.9 mi | $2,057 | $1,147,700 | 11.5% |
| Long Beach Township | 5.2 mi | $2,057 | $1,193,700 | 8.4% |
| Stafford Township | 5.7 mi | $1,800 | $426,200 | 9.7% |
| Eagleswood Township | 6.1 mi | $1,363 | $365,400 | 10.5% |
Places in New Jersey most like Surf City Borough
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Manasquan Borough | $2,030 | $988,100 | $142,944 | 16.1% |
| Long Beach Township | $2,057 | $1,193,700 | $113,224 | 8.4% |
| Oceanport Borough | $1,608 | $757,700 | $126,094 | 16.9% |
| Kinnelon Borough | $2,282 | $706,400 | $187,438 | 6.9% |
| Point Pleasant Beach Borough | $1,820 | $850,300 | $141,716 | 24.2% |
| Lavallette Borough | $2,793 | $1,089,000 | $133,056 | 21.7% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across New Jersey.
HUD Fair Market Rent for Surf City Borough, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $1,671 | $1,847 | $2,283 | $2,927 | $3,241 |
HUD income limits for Surf City Borough, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $29,550 | $49,250 | $76,000 |
| 2 people | $33,800 | $56,250 | $86,850 |
| 3 people | $38,000 | $63,300 | $97,700 |
| 4 people | $42,200 | $70,300 | $108,550 |
| 5 people | $45,600 | $75,950 | $117,250 |
| 6 people | $49,000 | $81,550 | $125,950 |
| 7 people | $52,350 | $87,200 | $134,650 |
| 8 people | $55,750 | $92,800 | $143,300 |
These are the limits HUD sets for its housing programs in the Monmouth-Ocean, NJ HUD Metro FMR Area, where HUD’s median family income for fiscal year 2026 is $140,600.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Surf City Borough
How many renters are there in Surf City Borough?
Surf City Borough has an estimated 51 (±23) renting households, 8.4% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Surf City Borough?
The median household income in Surf City Borough is $118,750 (±$20,339) a year (2020–2024 American Community Survey).
What is the average home value in Surf City Borough, NJ?
The Census Bureau publishes the median: $1,034,000 (±$85,344) for owner-occupied homes in Surf City Borough (2020–2024 American Community Survey).
What is the average mortgage payment in Surf City Borough?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Surf City Borough, NJ is $3,332 (±$256) a month, including taxes, insurance and utilities.
How much are property taxes in Surf City Borough?
The median real estate tax paid by homeowners in Surf City Borough, NJ is $7,818 (±$704) a year (2020–2024 American Community Survey).
How many homes are in Surf City Borough?
Surf City Borough, NJ has an estimated 2,497 (±161) housing units, occupied and vacant (2020–2024 American Community Survey).
Is Surf City Borough growing?
In Surf City Borough, the number of residents went from 1,271 in 2015–2019 to 1,195 in 2020–2024 (−6.0%), not a measurable change.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Surf City borough, Ocean County, New Jersey
- HUD Fair Market Rents, fiscal year 2027: Monmouth-Ocean, NJ HUD Metro FMR Area
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Monmouth-Ocean, NJ HUD Metro FMR Area
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Surf City Police Department (ORI NJ0153100)
- FBI: Uniform Crime Reporting statistics and their proper use
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Surf City borough, Ocean County, New Jersey (county subdivision:71640, in state:34 county:029).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .