Surf vs. MTCO

Maintained by:Carson WardData & methodology:Wes WardLast updated:{{date_modified_text}}July 7, 2026

Whether you’re researching Surf vs. MTCO internet service at your current address, comparing internet options for potential locations, or just researching alternatives, this detailed comparison will help you understand which provider best suits you.

Surf

Price: Unavailable, please see site for details
Speed: 25 - 8,000 Mbps
Internet Type: Fiber and fixed wireless
Rating (Reviews): (17)
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MTCO

Price: Unavailable, please see site for details
Speed: 100 - 1,000 Mbps
Internet Type: Fiber and DSL
Rating (Reviews): (0)
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Surf and MTCO compete directly in approximately 0.20% of their service areas, with Surf covering 989,717 people nationwide and MTCO serving 40,371. Surf primarily delivers internet through a fiber connection; MTCO specializes in fiber connections. Jump directly to specific sections using the links below, or continue reading for our comprehensive comparison of Surf and MTCO’s availability, speeds, pricing, and customer satisfaction.

Jump to: Availability | Speeds | Plans & Pricing | Customer Reviews | Fees

Surf vs. MTCO | Pros & Cons

Pros:

Multi-gig speeds available
Extensive fiber network
Compatible with standard Wi-Fi devices
Includes standard security features

Cons:

Limited service availability
Higher speeds require premium pricing
May require credit check for service activation

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Pros:

Fast upload speeds
Extensive fiber network
Connects multiple devices simultaneously
Supports everyday activities like email and web browsing

Cons:

Limited service availability
Higher speeds require premium pricing
Performance depends on local infrastructure

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Surf vs. MTCO | Availability

Surf and MTCO have distinct coverage footprints across the United States. Our interactive map shows exactly where each provider offers service and where they overlap, helping you understand your options.

Both Providers Available | Surf Available | MTCO Available | No Coverage

Surf currently offers internet service in 468 cities and 57 counties across 3 states, reaching approximately 989,717 residents. Their service area includes major markets like Chicago, IL; Grand Rapids, MI; and Detroit, MI. By comparison, MTCO serves 40,371 residents in 25 cities and 6 counties in 1 state, with a presence in population centers such as Washington, IL; Marseilles, IL; and Metamora, IL.

Surf has particularly strong coverage the East North Central region, where they serve 468 cities and 295 zip codes. Their Rural Coverage Ratio of 45 indicates they primarily serves urban areas, though still maintaining moderate rural availability..

Internet availability can vary significantly even within specific cities and zip codes. For the most accurate information about Surf and MTCO at your location, use our address search tool:

Surf vs. MTCO | Speeds & Technology

Surf and MTCO utilize different network technologies to deliver internet service, resulting in varying speed capabilities across their service areas.

Across their service areas, Surf primarily delivers internet through fiber, available to 65.8% of their customers. They also offer fixed wireless to 49.0% of their coverage area. MTCO relies on fiber technology, which comprises 87.1% of their network, with DSL available in 21.7% of their service locations.

In terms of potential speeds across the country, Surf offers higher overall speeds, with speeds for most covered areas averaging 2,935 Mbps compared to MTCO’s average speed of 884 Mbps. When examining their overlapping service areas, Surf delivers faster speeds in 2.37% of locations where both providers operate, similar speeds in 0.00%, and slower speeds in 97.63%.

The availability of each provider’s fastest technology varies significantly by location. Surf’s premium Fiber service reaches 65.8% of their coverage area. Meanwhile, MTCO’s top-tier Fiber is available to 87.1% of their footprint. Even within the same technology type, speed offerings can vary based on local infrastructure investments.

Surf vs. MTCO | Plans & Pricing

Below are the current internet plans and pricing details for Surf and MTCO, drawn from our independently maintained pricing database. The source and verification date for each provider's plans are noted beneath the table.

Provider representatives can send plan or pricing updates through our contact page; verified changes publish shortly after review.

Surf Internet Plans & Pricing

Plan	Monthly Price	Typical Download Speed	Typical Upload Speed	Connection Type
Surf 100	$30.00	100 Mbps	Not listed	Fiber
Surf 300	$55.00	300 Mbps	Not listed	Fiber
5/1 Mbps	$59.95	5 Mbps	1 Mbps	Fixed Wireless
Surf 500	$75.00	500 Mbps	Not listed	Fiber
Surf 1 Gig	$95.00	1000 Mbps	Not listed	Fiber

Compiled from current advertised pricing across industry sources, last verified June 2026. Typical speeds shown are the advertised tier speeds. Pricing is subject to change and may not be available in all areas.

Surf Plans

MTCO Internet Plans & Pricing

Plan	Monthly Price	Typical Download Speed	Typical Upload Speed	Connection Type
10 Mbps	$39.95	10 Mbps	5 Mbps	Fiber
50/50 Mbps Fiber	$54.95	50 Mbps	50 Mbps	Fiber
100/100 Mbps Fiber	$64.95	100 Mbps	100 Mbps	Fiber
400/400 Mbps Fiber	$74.95	400 Mbps	400 Mbps	Fiber
1 Gig Fiber	$94.95	1000 Mbps	1000 Mbps	Fiber

Sourced directly from MTCO's FCC-mandated machine-readable broadband label data, last verified June 2026. These provider-reported typical speeds reflect plan-specific expectations, while speed metrics elsewhere on our site measure maximum available performance across areas. Pricing is subject to change and may not be available in all areas.

MTCO Plans

Most households with 3-5 users need download speeds of at least 100 Mbps for smooth streaming, video conferencing, and everyday internet usage. Larger households or those with heavy users (gamers, 4K streamers, or remote workers) should consider plans with speeds of 300 Mbps or more for optimal performance.

Any prices listed are the base service rates and may not include additional charges such as equipment fees, installation costs, or other service-related expenses. For a comprehensive view of all potential charges, refer to our Fees & Details section below.

Surf vs. MTCO | Customer Ratings & Reviews

Compare how real customers rate Surf and MTCO based on our comprehensive database of verified customer reviews across all service types.

Surf Ratings & Reviews

Connection

Customer Rating

Fiber

(17)

Fixed Wireless

(5)

Surf has an overall rating of 3.86 out of 5, with a total of 22 reviews and ratings across the United States. Their overall satisfaction score places them slightly higher than other internet providers nationwide.

Looking deeper into Surf’s ratings, their Fiber service (77% of reviews) averages 4.18 / 5 stars, lower than their overall company rating. This similarity suggests that customers tend to have consistent experiences across their different service offerings, an important consideration for customers evaluating different service options from this provider.

For detailed reviews, visit our Surf Internet Reviews page.

Fees vary by plan and location. The fees shown apply to most plans; check with the provider for costs specific to your plan.

When comparing internet providers, remember that advertised prices rarely tell the complete story. Equipment fees alone can add $10-15 per month to your bill, while installation charges, early termination fees, and data overage penalties can significantly increase your total cost of service. Consider these additional costs alongside monthly rates when determining which provider offers the better value for your specific needs.

Surf vs. MTCO | Top Cities

Surf serves 468 cities while MTCO is available in 25 cities nationwide. The tables below highlight their largest markets and areas where customers can choose between both providers.