Median home value: $1530K (+2.1% YoY). Part of New York-Newark-Jersey City, NY-NJ-PA.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, New York-Newark-Jersey City, NY-NJ-PA metro page.
Home Value$1,530,154
+2.1%
AFFORDABILITY6.00% 30yr, 20% down, county tax + NJ ins. 28% per HUD.
Enter your income for Surf City.
$306,031 on $1,530,154
Out of reach — 169.7% of income
Need $454,500/yr to afford.
PITI$10,605
P/I169.7%
Afford$253K
Gap-$1278K
P&I $7,339Tax $3,150Ins $117
Home Buying Kit For Dummies (2025)Financing, negotiation, closing