HomeNew JerseyOcean CountySurf City borough
Surf City borough, New Jersey: commercial real estate data.
Surf City borough 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.
76 sourced place values · tier FULL · 8 sections · 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
- Ninetieth percentile approval$1,190,000
- 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
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ocean County, not Surf City
Ocean County context, not Surf City figures
These are Ocean County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Surf City measurements.
- Establishments in Ocean County15,020
- Employment at those establishments, Ocean County172,650
- Covered employment, Ocean County189,912
- Average annual pay, Ocean County$57,452
- Average weekly wage, Ocean County$1,105
- Housing units permitted, Ocean County3,706
- Of those, single family, Ocean County2,808
- County product, 2024, Ocean County$31,708,748,000
- County product change over the prior year, Ocean County4.5 percent
- Average income of an arriving household, Ocean County$104,688
Every figure in this section is published for Ocean County as a whole and is not a measurement of Surf City. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $2.6 m, across 3 lenders, median approval $94,000, plus 1 504 approvals worth $358,000. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Surf City figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.