Local
Learn about the people, housing, costs and businesses in Surfside Beach, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Surfside Beach.
True all-in cost — P&I, taxes, insurance & utilities for homes in Surfside Beach.
Find and compare lenders active near Surfside Beach.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Surfside Beach.
Seismic risk and earthquake insurance estimates for Surfside Beach.
Wildfire exposure and insurance estimates for Surfside Beach.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Surfside Beach is approximately 6.946% (6.984% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Surfside BeachThe median home value in Surfside Beach is $269k. The median monthly rent is $1,142. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Surfside Beach have decreased 6.3% over the past two years. Buyers may find more negotiating room in this market. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,324/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $57k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Surfside Beach is $76k/year.
Calculate your buying powerThe largest employment sectors in Surfside Beach are public administration (19%) and wholesale trade (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.