About Surf City
Surf City sits in the middle of Topsail Island and serves as its main town, with restaurants, shops, grocery stores, and the Surf City Pier. A high-rise bridge, opened in 2018, replaced the old swing bridge and makes getting on and off the island much easier.
The town spans both the island and a growing mainland area, so buyers can choose between oceanfront living and more affordable homes a few minutes inland. It is a favorite with families, retirees, and vacation-rental investors, and it is home to the Karen Beasley Sea Turtle Rescue and Rehabilitation Center.
Why People Love Surf City
Surf City Pier
A landmark for fishing, sunset walks, and summer events on the island.
Sea turtle hospital
The Karen Beasley Sea Turtle Rescue and Rehabilitation Center is a beloved local institution.
Soundside living
Soundside Park, kayaking, and calm waters on the sound side of the island.
Island conveniences
The most shopping and dining options on Topsail Island, without driving to the mainland.
Homes & Real Estate in Surf City
Island housing includes oceanfront and second-row beach homes, condos, and soundfront properties. On the mainland side, newer subdivisions offer single-family homes with a short drive to the bridge.
Vacation rentals are common on the island, and rental income can help offset ownership costs for second-home buyers.
Before You Buy in Surf City
Flood and wind insurance
Island homes are in high-risk flood zones and need flood and wind coverage. Get quotes before you commit.
Summer traffic
Weekend traffic on the island and bridge can be heavy in peak season.
Rental regulations
Check current town rules on short-term rentals, parking, and occupancy before purchasing an investment property.
Surf City: Frequently Asked Questions
Is Surf City in Pender or Onslow County?
Most of Surf City is in Pender County, although a portion of the town extends into Onslow County. Taxes and schools depend on the specific address.
Are there year-round residents in Surf City?
Yes. Surf City has a strong year-round community, especially on the mainland side, along with a large seasonal population in summer.
How far is Surf City from Wilmington?
About 40 minutes via US 17 and NC 50/210, depending on traffic.