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.

Home Value$612,785

-0.3%

Rent$1,781/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$122,557 on $612,785

Example: $75,000 household income. Change it above to see your own.

Out of reach58.8% of income

Need $157,629/yr to afford.

PITI$3,678

P/I58.8%

Afford$292K

Gap-$321K

P&I $3,099Tax $429Ins $150

Renting $1,897/mo cheaper ($1,781 rent)6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in North Carolina

Compare Surf City with other housing markets across North Carolina.

Wrightsville Beach$1.64M Bald Head Island$1.36M Cashiers$1.34M Marvin$1.23M Weddington$1.04M Highlands$1.02M Duck$978K Topsail Beach$927K

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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Surf City, NC