Surf City, NC

This town of 5,373 residents needs 584 more housing units over the next five years.

Housing snapshot

Population
5,373 (2026)
Households
1,922
Median household income
$88,973 (2026)
Typical home value
$528,306
Owner-occupied
29%
Five-year housing need
584 units

Comparison to other North Carolina municipalities

Surf City: $88,973 Median income (2026 estimate)
<$18K >$156K
Surf City: 1.25 jobs to household ratio
<0.04 >3.14
Surf City: Permits since 2021 represent 24.9% of housing
<0.2% >30.6%
On this page

How affordable is this community?

The typical home in Surf City, NC is valued at $528,306, well above the North Carolina average of $264,457. At a median household income of $88,973 in Surf City, NC, affordability is stretched, with households needing roughly $34,463 more to comfortably afford the typical home.

This chart tracks whether housing prices are keeping pace with local incomes. The gap between what homes cost and what households can afford reveals affordability trends over time.

How is the population changing?

Surf City, NC has a population of roughly 4,396 and is one of the faster-growing communities in its state, adding residents at 6.5% per year.

Population growth patterns reveal how communities are evolving. This chart shows historical population changes by age group and projects future trends based on demographic patterns.

How has employment changed over time?

Jobs by industry sector since 2012. Switch between local jobs — counted where the jobs are located — and resident jobs, counted where the workers live. On the local view the most recent year is a nowcast: it grows the latest local LODES job mix forward using recent county employment growth from QCEW and the BLS local employment series, so the newest point tracks today's economy instead of data that is roughly two years old.

How are households changing by income?

Surf City, NC is one of the faster-growing communities in North Carolina, adding households at 6.5% per year and totaling roughly 1,922 households.

Understanding how households at different income levels are growing or declining helps identify which groups face the greatest housing pressure and where new housing is most needed.

Who lives here today?

In Surf City, NC, detached single-family accounts for 70% of the housing stock. Surf City, NC is a heavily renter-occupied market, with just 29% of households owning their home.

Households may have different structure type preferences depending on characteristics such as household size, income, employment, presence of children, age of individuals, and lifestyle choices. Understanding the housing stock in corresponding terms helps assess how well existing units align with existing households' ideals.

What does the housing stock look like?

The mix of housing types and ownership patterns shapes a community's character. This chart breaks down housing units by structure type and whether they're owner-occupied or rented.

How much new housing supply is needed?

To keep up with growth and fill current housing shortages, Surf City, NC needs 584 new units over the next 5 years.

537
Units needed to keep up with expected growth
Projected total household growth from 2026 to 2031.
27.9%
Projected household growth rate
Expected increase in total households from 1,922 in 2026 to 2,459 in 2031.
47
Units to address shortages in existing housing stock
Production needs to address vacancy rates and other factors.
32
Replacement housing
Effective annual loss rate is 1.4 per 1,000 units.
15
Substandard housing adjustment
Substandard housing rate is 1.84%. This is above National avg. of 0.98%.
584
Total 5-year housing production need (2026-2031)
117
Annual production pace
Average units needed per year to meet 5-year need
12.6%
Total housing unit growth
Percent increase in housing stock over 5 years
2.5%
Annual housing unit growth
Average percent increase in housing stock per year

How does this place compare to similar communities?