The median home in Surf City, New Jersey is valued at $1,530,154, up 2.1% year over year. Surf City is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$1,530,154

+2.1%

Prices rising — worse for buyers.

Affordability

Enter your income for Surf City.

Income (annual)

Down Payment

$306,031 on $1,530,154

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

Out of reach176.1% of income

Need $471,600/yr to afford.

PITI$11,004

P/I176.1%

Afford$243K

Gap-$1.29M

P&I $7,737Tax $3,150Ins $117

6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

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

Other cities in New Jersey

Compare Surf City with other housing markets across New Jersey.

Deal$4.21M Alpine$2.96M Loch Arbour$2.88M Avalon$2.63M Stone Harbor$2.48M Bay Head$2.36M Sea Girt$2.3M Short Hills$2.26M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

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Surf City, NJ