Hello Michael
Thank you for posting in Microsoft Community.
I appreciate you raising this concern to us and yes, the Surface Pro 9 with 5G is compatible with 5G NR N48. The device supports both sub-6GHz and mmWave 5G bands, including N48. However, please note that the availability of 5G networks and coverage may vary depending on your location and carrier. It is recommended to check with your carrier for more information on 5G network availability and compatibility.
Hope it helps!
Best regards,
Rolando S.