Surf, NJ housing market
The typical Surf home is worth about $1,741,000, up 15.9% in a year, 200% above the New Jersey typical home.
Home values, sales, trends and how Surf compares with the towns next door — updated as new data is published.
Surf at a glance
Only 2 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value above is the steadier guide.
Typical home value, 2016–2026
Show as a table
| January | Surf | New Jersey |
|---|---|---|
| 2017 | $763,000 | $317,000 |
| 2018 | $806,000 | $330,000 |
| 2019 | $850,000 | $343,000 |
| 2020 | $921,000 | $358,000 |
| 2021 | $1,030,000 | $394,000 |
| 2022 | $1,341,000 | $441,000 |
| 2023 | $1,392,000 | $471,000 |
| 2024 | $1,446,000 | $511,000 |
| 2025 | $1,548,000 | $551,000 |
| 2026 | $1,580,000 | $568,000 |
| August 2026 | $1,741,000 | $580,000 |
26 new homes permitted in 2025
Builders were permitted 26 new homes in Surf in 2025, all single-family houses, worth about $20.1 million to build. That's 22 per 1,000 residents, faster than across New Jersey (3.1). Over the past 10 years, Surf has permitted 259 homes in all.
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Surf gained 38 residents while 229 new homes were permitted: about 0.2 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year. 74% of Surf's homes are seasonal or vacation homes, which adds housing without adding residents. Across New Jersey: 2 new residents per new home.
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 12 | 12 | 0 | $10.3 million |
| 2025 | 26 | 26 | 0 | $20.1 million |
| 2024 | 32 | 32 | 0 | $18.1 million |
| 2023 | 24 | 24 | 0 | $11.4 million |
| 2022 | 27 | 27 | 0 | $12.1 million |
| 2021 | 23 | 23 | 0 | $7.7 million |
| 2020 | 21 | 21 | 0 | $8.4 million |
| 2019 | 27 | 27 | 0 | $9.4 million |
| 2018 | 19 | 19 | 0 | $6 million |
| 2017 | 33 | 33 | 0 | $11.7 million |
| 2016 | 27 | 27 | 0 | $9.3 million |
| 2015 | 23 | 23 | 0 | $8.5 million |
| 2014 | 23 | 23 | 0 | $7.4 million |
| 2013 | 26 | 26 | 0 | $7 million |
| 2012 | 16 | 16 | 0 | $5.4 million |
| 2011 | 17 | 17 | 0 | $5.9 million |
| 2010 | 18 | 18 | 0 | $6 million |
| 2009 | 10 | 10 | 0 | $3.3 million |
| 2008 | 11 | 11 | 0 | $3.3 million |
| 2007 | 21 | 21 | 0 | $7.5 million |
| 2006 | 19 | 19 | 0 | $7.2 million |
| 2005 | 38 | 38 | 0 | $11.2 million |
| 2004 | 34 | 34 | 0 | $8 million |
| 2003 | 34 | 34 | 0 | $6.4 million |
| 2002 | 31 | 31 | 0 | $5.8 million |
| 2001 | 25 | 25 | 0 | $4.4 million |
| 2000 | 25 | 25 | 0 | $3.5 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
Surf and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | New homes 2025 | Median income |
|---|---|---|---|---|---|
| Surf | $1.74M | +15.9% | $2,260 | 26 | $118,750 |
| Stafford | — | +4.9%† | $2,380 | 44 | $117,612 |
| Long Beach | $2.11M | +11.9% | $2,260 | 123 | $113,224 |
| Ship Bottom | $1.55M | +14.3% | $2,260 | 17 | $108,750 |
† FHFA price index change, where Zillow has no home value for the town.
14.7 years of income
The typical Surf home costs about 14.7 years of the town's median household income, more than across New Jersey (5.6 years).
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $2,260
HUD's Fair Market Rent for a two-bedroom in Surf is $2,260 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Surf pay a median of $2,056. A two-bedroom takes about 23% of the town's median household income.
Studio $1,630 · 4 bedrooms $3,270
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (08008; Monmouth-Ocean, NJ HUD Metro FMR Area), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.