Surf City, NC. Online Offers. Surf City is a town in Pender and Onslow counties in the U.S. state of North Carolina. The population was 2,057 at the 2008 census. It is located on Topsail Island. The Onslow County portion of Surf City is part of the Jacksonville Metropolitan Statistical Area, while the Pender County portion is part of the Wilmington Metropolitan Statistical Area. Surf City is located at 34°25′41″N 77°32′36″W / 34.42806°N 77.54333°W / 34.42806; -77.54333 (34.428137, -77.543198).