HomeNorth CarolinaPender CountySurf City
Surf City, North Carolina: commercial real estate data.
Surf City is a Census town of 4,396 people across 7.68 square miles of land, lying across Pender County and Onslow County. Median household income is $81,433, 73.9 percent of occupied homes are owned, and the SBA record carries 16 7(a) approvals to borrowers here worth $13.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Surf City
What Surf City is
- Census place typetown
- Land area7.68 sq mi
- Water area2.28 sq mi
- Population per square mile of land572
- County holding the largest share of its areaPender County, 94.6 percent
- Counties this place lies inPender County 94.6 percent, Onslow County 5.4 percent
Surf City crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
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
- Population4,396
- Median age36.9
- Population under 18961 plus or minus 202
- Share under 1821.9 percent plus or minus 4.5
- Population 65 and over764
- Share 65 and over17.4 percent
- Households1,784
- Family households1,162
- Share of households that are families65.1 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$81,433
- Per capita income$49,611
- Civilian labor force2,192
- Employed2,130
- Unemployed62 plus or minus 52
- Unemployment rate2.8 percent plus or minus 2.4
- Adults 25 and over3,118
- Adults 25 and over with a high school diploma or higher96.2 percent
- Adults 25 and over with a bachelor degree or higher51.6 percent
- Adults 25 and over with a graduate degree20.5 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
Housing in Surf City
- Housing units4,621
- Occupied units1,784
- Vacant units2,837
- Vacancy rate61.4 percent
- Owner occupied1,319
- Renter occupied465 plus or minus 165
- Ownership rate73.9 percent
- Median owner-occupied home value$512,300
- Median gross rent, monthly$1,707 plus or minus $691
- Annual rent as a share of median income25.2 percent plus or minus 10.9
- Single family units3,574
- Share single family77.3 percent
- Units in buildings of two or more589 plus or minus 165
- Share in buildings of two or more12.7 percent plus or minus 3.5
- Mobile homes458 plus or minus 134
- Median year structure built2002
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 commute1,663
- Commuting under 15 minutes614 plus or minus 182
- Share commuting under 15 minutes36.9 percent plus or minus 9.2
- Commuting 30 minutes or more721 plus or minus 268
- Share commuting 30 minutes or more43.4 percent plus or minus 14.5
- Drove alone65.7 percent
- Carpooled5.7 percent plus or minus 3.6
- Public transport0.0 percent
- Walked1.7 percent plus or minus 2.2
- Worked from home26.6 percent plus or minus 7.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Surf City
SBA loans in Surf City (7(a))
- Approvals16
- Gross approval$13,684,700
- Average approval$855,294
- Median approval$607,950
- Largest approval$3,105,000
- Jobs supported269
- Jobs per approval16.8
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term123 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises31.3 percent
- Distinct lenders8
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Surf City, in any county, FY2020 to FY2026. Only 5 loans have 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$807,000
- Average approval$807,000
- Median approval$807,000
- Largest approval$807,000
- Jobs supported14
- 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 communityTown of Surf City
- NFIP community number370186
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/17/25
The Town of Surf City participates in the National Flood Insurance Program as community 370186 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Pender County, not Surf City
Pender County context, not Surf City figures
- Establishments in Pender County1,499
- Covered employment, Pender County14,704
- Average annual pay, Pender County$47,159
- Housing units permitted, Pender County944
Every figure in this section is published for Pender 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, North Carolina?
4,396, in 1,784 households. Surf City town covers 7.68 square miles of land, which is 572 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?
Surf City lies in more than one. By area it is 94.6 percent in Pender County, 5.4 percent in Onslow County. This page sits under Pender County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Surf City?
$81,433. The median owner-occupied home is valued at $512,300. Median gross rent is $1,707 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?
16 7(a) approvals totaling $13.7 m since FY2020, across 8 lenders, median approval $607,950, plus 1 504 approvals worth $807,000 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 5 loans have 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, town of, community 370186, with no Community Rating System class, so no CRS discount applies. 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 Pender 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.
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