The median home in Surf City, North Carolina is valued at $612,785, down 0.3% year over year. Typical monthly rent is $1,781, producing a price-to-rent ratio of 28.7x — well above the national average of 18x. Surf City is part of the Wilmington, NC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$612,785
-0.3%
Rent$1,781/mo
AFFORDABILITYRenting $1,897/mo cheaper ($1,781 rent)6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.
Enter your income for Surf City.
$122,557 on $612,785
Out of reach — 58.8% of income
Need $157,629/yr to afford.
PITI$3,678
P/I58.8%
Afford$292K
Gap-$321K
P&I $3,099Tax $429Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in North Carolina
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Full Wilmington, NC analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Wilmington, NC metro.
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