Surfside, Florida.
Typical home $1,347,985 (+11.2% in a year), asking rent $5,096 (+4.7%). Miami-Fort Lauderdale-Pompano Beach, FL metro.
to buy the typical home at today's mortgage rate — +$4,701 (+198%) since Jan 2020.
- 1 year
- Up $135,880 +11%
- $1,212,105$1,347,985 since Sep 2025
- 5 years
- Up $535,049 +66%
- $812,936$1,347,985 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Surfside$7,075
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 7 years.
Typical home values in Surfside, FL rose 11.2% over the past year — faster than the nation's +1.2%.
Asking rents in Surfside, FL rose 4.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Surfside runs $4,330/mo more than renting one — the widest that gap has been in this data.
That is $9,427 a month against $5,096 rent: a $7,075 mortgage payment, plus $908 property tax and $1,443 insurance & upkeep.
Owning vs renting — Surfside
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$9,427
- Renting$5,096
- Mortgage only$7,075
Property tax · $908/mo 0.81% of value a year — the ACS 2020-2024 median bill over the median home value for Miami-Dade County, FL
Insurance & upkeep · $1,443/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Surfside, Miami-Dade County, Florida
Surfside is a town of 5,689 people in Miami-Dade County. 74% of its homes are lived in by their owners and 26% are rented. Unemployment in Miami-Dade County was 1.9% in September 2026, and the county had 1.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Surfside is a small oceanside town in Miami-Dade County, home to a modest number of people. Most households own the place they live in, and homes and rents here cost far more than is typical for the country. Residents are somewhat younger than in many American towns, and a large share of adults hold a four-year degree.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in banks, insurance and property, or in restaurants, hotels and entertainment. Publix Super Markets and Hilton Grand Vacations are among the larger workplaces in town. Unemployment across Miami-Dade County is lower than a year ago, and the county has added jobs over the past year. The typical commute is a fairly long one, and a good number of residents work from home.
Things to do. Haulover Park is a park in or beside town. A short drive away are Pérez Art Museum Miami, an art museum, and Hard Rock Stadium, a stadium. Biscayne National Park, a national park, is a longer drive away. Winters are mild and summers are hot, with almost no snow and a fair amount of rain through the year.
Report a mistake
- 1,965households
- 58%of adults have a degree
- 10%below the poverty line
- 32 mintypical commute
- 25%work from home
What residents work in
Employed residents by industry, from the Census survey. Miami-Dade County had 1,276,535 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 74° and lows near 61°; warmest in August, with highs near 88° and lows near 78°. About 57 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Miami Beach weather station, 5 miles away (NOAA).
Largest employers in Surfside
- SC Hotel Property LLC (Four Seasons)359
- Beach House Hotel D/B/A Grand Beach163
- Publix Super Market, Inc.157
- Town of Surfside139
- Flanigan's Seafood Bar & Grill84
- Surf Club Restaurant83
- Residence Inn (Miami Beach Surfside)53
- Solara Surfside Resort38
From the Town of Surfside’s annual financial report for 2024, its schedule of principal employers (its source: “Data Source: Town records”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesRelatively high
- Coastal floodingRelatively moderate
- Heat wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Surfside’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Miami-Dade County and the Miami-Fort Lauderdale-Pompano Beach, FL metro.
Surfside home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Surfside$1,347,985
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 9 Surfside listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Surfside11.39%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Surfside91
New listings per month
Sellers arriving at the market.
- Surfside13
Zip codes with a Surfside address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Surfside — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.