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Surprise, AZ

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US location · verified

Neighborhood intelligence

Your Surprise relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Surprise.

Median rent

$2,033/mo

ACS 2024 5-year

Median household income

$96,711

ACS 2024 5-year

Median home value

$435,100

ACS 2024 5-year

Safety score

86/100

FBI CDE

Weather

86°F (H 93° / L 78°)

Open-Meteo

Buying in Surprise? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

86/100

FBI CDE

Exceptionally safe for families — 58% below average vs. national FBI data, 2023–2024

Excellent

Noise Level

39 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 86°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 67 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Surprise AZ

Surprise offers above-average safety (86/100). Rent runs $2,033/month and median income sits at $96,711.

Surprise has about 154,948 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Surprise AZ Safe?

Surprise AZ scores 86/100 on safety (well above average). Crime is about 58% below the national average. Most neighborhoods are fine for evening walks; still check the block you actually rent.

Detail: overall crime index 42 (100 = avg); violent crime index 28; property crime index 55. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Surprise AZ

School quality varies by neighborhood in Surprise. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Surprise AZ

Typical rent in Surprise is about $2,033/month (expensive). At $2,033/month for a typical unit, you need about $73,188+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $435,100.

Median household income is $96,711, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($96,711) clears the $73,188 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Surprise AZ

Average temperature is about 86°F (highs near 93°F, lows near 78°F).

Midafternoon outdoor time is limited most of summer without shade and water. Plan on summer electric bills around $200–$300/month for a typical apartment if you run AC hard. If you visit, go in July or August. That is the real test.

Who Should Move to Surprise AZ?

Who tends to thrive in Surprise: (1) Households that want quieter streets (safety sits at 86/100) (2) Dual-income households (at $2,033/month, the rent math works much better with two salaries) (3) People who genuinely love heat and do not mind living indoors June through September (highs near 93°F) (4) Tech and finance workers (the job market is real and local pay near $96,711 helps carry housing costs)

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $2,033/month) (2) People who need outdoor time year-round for their mental health (summers lock you inside for 3–4 months; highs near 93°F) (3) Anyone stretching past 40% of take-home on housing at $2,033/month

Income sniff test: clear about $73,188 household income for $2,033/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Surprise holds up well on the core metrics we publish. Safety at 86/100 makes it a reasonable choice for households who can manage $2,033/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

Quotes and listings for Surprise when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Surprise.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,976

Mortgage + tax + insurance + HOA

Annual property tax

$6,309

Annual est. $5,580

Est. monthly utilities

$707

Climate-adjusted electric, gas & water

Median home price

$435,100

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$391k
2022
$402k
2023
$413k
2024
$424k
2025
$435k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$943/mo vs buying
$2,033ACS 2024 5-year
Rent
$2,976
Buy

Mortgage

$2,200

Property tax

$526

Insurance

$155

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$5,774/yr

2024

1.37%

$5,947/yr

2025

1.41%

$6,125/yr

2026

1.45%

$6,309/yr

Buying in Surprise? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

27 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,865/yr

moderate exposure
Wind hazard index67 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 86°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,865.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Surprise to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo