HomeNew JerseyOcean CountySurf City
Surf City, New Jersey: commercial real estate data.
Surf City is a Census borough of 1,195 people across 0.74 square miles of land, in Ocean County. Median household income is $118,750, 91.6 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $2.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Surf City
What Surf City is
- Census place typeborough
- Land area0.74 sq mi
- Water area0.58 sq mi
- Population per square mile of land1,606
- County holding the largest share of its areaOcean County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
How many people live in Surf City
- Population1,195
- Median age62.9
- Population under 1891 plus or minus 33
- Share under 187.6 percent plus or minus 2.6
- Population 65 and over512
- Share 65 and over42.8 percent
- Households610
- Family households404
- Share of households that are families66.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
Income and work in Surf City
- Median household income$118,750
- Per capita income$101,994
- Civilian labor force489
- Employed463
- Unemployed26 plus or minus 14
- Unemployment rate5.3 percent plus or minus 2.7
- Adults 25 and over1,060
- Adults 25 and over with a high school diploma or higher98.9 percent
- Adults 25 and over with a bachelor degree or higher67.6 percent
- Adults 25 and over with a graduate degree32.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
Housing in Surf City
- Housing units2,497
- Occupied units610
- Vacant units1,887
- Vacancy rate75.6 percent
- Owner occupied559
- Renter occupied51 plus or minus 23
- Ownership rate91.6 percent
- Median owner-occupied home value$1,034,000
- Median gross rent, monthly$2,056 plus or minus $795
- Annual rent as a share of median income20.8 percent plus or minus 8.8
- Single family units2,327
- Share single family93.2 percent
- Units in buildings of two or more170 plus or minus 44
- Share in buildings of two or more6.8 percent plus or minus 1.7
- Mobile homes0
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
How Surf City gets to work
- Workers 16 and over who commute300 plus or minus 71
- Commuting under 15 minutes82 plus or minus 33
- Share commuting under 15 minutes27.3 percent plus or minus 8.8
- Commuting 30 minutes or more143 plus or minus 41
- Share commuting 30 minutes or more47.7 percent
- Drove alone59.1 percent
- Carpooled3.1 percent plus or minus 2.4
- Public transport0.9 percent plus or minus 1.1
- Walked1.8 percent plus or minus 1.7
- Worked from home33.6 percent plus or minus 9.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
SBA loans in Surf City (7(a))
- Approvals7
- Gross approval$2,619,000
- Average approval$374,143
- Median approval$94,000
- Largest approval$1,190,000
- Jobs supported84
- Jobs per approval12.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more28.6 percent
- Share to franchises14.3 percent
- Distinct lenders3
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Surf City, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Surf City
SBA loans in Surf City (504)
- Approvals1
- Gross approval$358,000
- Average approval$358,000
- Median approval$358,000
- Largest approval$358,000
- Jobs supported3
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Surf City, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Surf City
Flood risk in Surf City
- NFIP communityBorough of Surf City
- NFIP community number345324
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date12/16/21
The Borough of Surf City participates in the National Flood Insurance Program as community 345324 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ocean County, not Surf City
Ocean County context, not Surf City figures
- Establishments in Ocean County15,020
- Covered employment, Ocean County189,912
- Average annual pay, Ocean County$57,452
- Housing units permitted, Ocean County3,706
Every figure in this section is published for Ocean County as a whole and is not a measurement of Surf City.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Surf City questions, answered from the record.
How many people live in Surf City, New Jersey?
1,195, in 610 households. Surf City borough covers 0.74 square miles of land, which is 1,606 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Surf City in?
Ocean County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Surf City?
$118,750. The median owner-occupied home is valued at $1,034,000. Median gross rent is $2,056 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Surf City businesses?
7 7(a) approvals totaling $2.6 m since FY2020, across 3 lenders, median approval $94,000, plus 1 504 approvals worth $358,000 since FY2010. These count approvals to borrowers whose address is in Surf City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Surf City borrowers get paid back?
No rate is published for Surf City. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Surf City in the National Flood Insurance Program?
Yes. Surf City appears in the FEMA Community Status Book as Surf City, borough of, community 345324, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Surf City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ocean County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Surf City.
Is zoning published for Surf City?
No. Nothing on this page presents parcel level zoning.