Housing data for Fernandina Beach, FL
Fernandina Beach, FL has an estimated 13,420 residents and 8,168 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a city in Nassau County.
19.5% of households rent.
The median gross rent is $1,259 a month.
Its population grew measurably since 2015–2019 (+8.5%).
Figures last updated on .
- Residents
- 13,420 (±27)
- Housing units
- 8,168 (±410)
- Households that rent
- 19.5%
- Median gross rent
- $1,259
- Residents since 2015–2019
- +8.5%
What stands out in Fernandina Beach
Homes built before 1980: 37.9% (±5.7 points) in Fernandina Beach, higher than in Nassau County (19.6%).
Median real estate taxes: $4,293 (±$335) in Fernandina Beach, higher than in Nassau County ($2,699).
Median home value: $555,400 (±$52,453) in Fernandina Beach, higher than in Nassau County ($382,800).
Households that moved in since 2020: 17.6% (±3.9 points) in Fernandina Beach, lower than in Nassau County (26.1%).
- Age of homes in Fernandina Beach
- Property taxes in Fernandina Beach
- Home values in Fernandina Beach
- How long people stay in Fernandina Beach
Housing in Fernandina Beach at a glance
- Median rent: $1,259 median gross rent a month
- Rent by bedrooms: $1,113 median gross rent, 2 bedrooms (Small sample: wide margin of error)
- Rent burden: 57.7% of renters pay 30% or more of income
- Renters and owners: 19.5% of households rent
- Income and affordability: $97,903 median household income
- Home values: $555,400 median home value
- Homeowner costs: $2,218 median monthly cost with a mortgage
- Property taxes: $4,293 median real estate taxes a year
- Types of homes: 12.2% of homes are in buildings of 5 or more units
- Bedrooms: 69.5% of homes have 3 or more bedrooms
- Age of homes: 37.9% of homes were built before 1980
- Vacancy rate: 16.0% rental vacancy rate
- Heating fuel: 93.5% heat with electricity
- Commute and cars: 22.3 minutes average trip to work
- Crime reported to police: 203 violent crimes per 100,000 residents
- Growth: +8.5% residents since 2015–2019
- How long people stay: 17.6% moved in since 2020
- Crowding and facilities: 1.3% of homes have more than 1 person per room
Fernandina Beach against Nassau County, its state and the nation
| Fernandina Beach | Nassau County | Florida | United States | |
|---|---|---|---|---|
| Residents | 13,420 (±27) | 97,859 (exact) | 22,416,077 (exact) | 334,922,499 |
| Housing units | 8,168 (±410) | 45,058 (±65) | 10,256,470 (±942) | 143,775,355 |
| Households that rent | 19.5% (±3.9 points) | 17.3% (±1.7 points) | 32.4% (±0.2 points) | 34.8% |
| Median gross rent | $1,259 (±$446) | $1,526 (±$131) | $1,669 (±$5) | $1,413 |
| Median household income | $97,903 (±$9,250) | $89,804 (±$4,034) | $74,568 (±$284) | $80,734 |
| Median home value | $555,400 (±$52,453) | $382,800 (±$9,501) | $359,000 (±$930) | $332,700 |
| Median real estate taxes (a year) | $4,293 (±$335) | $2,699 (±$128) | $2,730 (±$10) | $3,119 |
| Built before 1980 | 37.9% (±5.7 points) | 19.6% (±1.8 points) | 33.9% (±0.2 points) | 49.7% |
| Average commute | 22.3 minutes (±3.6) | 30.1 minutes (±1.2) | 28.0 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 96.6% (±1.6 points) | 94.6% (±1.0 points) | 91.6% (±0.1 points) | 91.0% |
| Median age of residents | 58.6 years (±2.3) | 46.5 years (±0.5) | 42.6 years (±0.1) | 38.9 years |
Fernandina Beach covers 11.8 square miles of land, about 1,133 residents per square mile (Census Bureau Gazetteer).
How Fernandina Beach has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 12,364 (±28) | 13,420 (±27) | +8.5% | Measurable increase |
| Housing units | 7,457 (±317) | 8,168 (±410) | +9.5% | Measurable increase |
| Median gross rent | $1,139 (±$152) | $1,259 (±$446) | +10.5% | No measurable change after inflation |
| Median home value | $333,900 (±$27,891) | $555,400 (±$52,453) | +66.3% | Up after inflation |
| Median household income | $63,942 (±$10,145) | $97,903 (±$9,250) | +53.1% | Up after inflation |
| Median owner cost with a mortgage | $1,674 (±$115) | $2,218 (±$316) | +32.5% | No measurable change after inflation |
| Median real estate taxes | $2,974 (±$348) | $4,293 (±$335) | +44.4% | Up after inflation |
| Households that rent | 24.6% (±4.4 points) | 19.5% (±3.9 points) | −5.1 percentage points | Not a measurable change |
| Rental vacancy rate | 1.1% (±1.7 points) | 16.0% (±9.0 points) | +14.9 percentage points | Measurable increase |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Fernandina Beach
In 2025, the Fernandina Beach Police Department reported 203 violent and 499 property crimes per 100,000 residents to the FBI.
Across Nassau County, the departments that report recorded 132 violent and 187 property crimes per 100,000 residents that year.
ZIP codes in Fernandina Beach
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 32034 | 18% | 41,029 | $1,605 | $537,800 | $98,583 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Fernandina Beach
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Yulee | 7.2 mi | $1,754 | $302,500 | 21.1% |
| St. Marys | 10 mi | $1,183 | $312,300 | 38.9% |
| Kings Bay Base | 12 mi | $1,587 | — | 100.0% |
| Atlantic Beach | 22 mi | $2,159 | $630,200 | 26.1% |
| Callahan | 24 mi | $645 | $281,900 | 31.7% |
| Nassau Village-Ratliff | 24 mi | $1,398 | $253,000 | 14.0% |
| Kingsland | 24 mi | $1,275 | $251,400 | 32.7% |
| Neptune Beach | 24 mi | $1,763 | $670,900 | 26.9% |
Places in Florida most like Fernandina Beach
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Flagler Beach | $1,462 | $557,600 | $84,632 | 16.6% |
| Laurel | $1,323 | $478,900 | $92,340 | 8.6% |
| Oldsmar | $1,427 | $380,300 | $88,333 | 23.1% |
| Lake Lorraine | $1,654 | $434,500 | $104,105 | 26.8% |
| June Park | $1,755 | $411,200 | $88,243 | 21.6% |
| Safety Harbor | $1,743 | $454,000 | $106,830 | 16.1% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Florida.
HUD Fair Market Rent for Fernandina Beach, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $1,401 | $1,421 | $1,694 | $2,077 | $2,594 |
HUD income limits for Fernandina Beach, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $22,850 | $38,050 | $60,900 |
| 2 people | $26,100 | $43,500 | $69,600 |
| 3 people | $29,350 | $48,950 | $78,300 |
| 4 people | $33,000 | $54,350 | $86,950 |
| 5 people | $38,680 | $58,700 | $93,950 |
| 6 people | $44,360 | $63,050 | $100,900 |
| 7 people | $50,040 | $67,400 | $107,850 |
| 8 people | $55,720 | $71,750 | $114,800 |
These are the limits HUD sets for its housing programs in the Jacksonville, FL HUD Metro FMR Area, where HUD’s median family income for fiscal year 2026 is $108,700.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Fernandina Beach
What is the average rent in Fernandina Beach, FL?
The Census Bureau publishes the median rather than the average: the median gross rent in Fernandina Beach is $1,259 (±$446) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
Are renters in Fernandina Beach rent-burdened?
57.7% of renting households in Fernandina Beach pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in Fernandina Beach?
Fernandina Beach has an estimated 1,262 (±278) renting households, 19.5% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Fernandina Beach?
The median household income in Fernandina Beach is $97,903 (±$9,250) a year (2020–2024 American Community Survey).
What is the average home value in Fernandina Beach, FL?
The Census Bureau publishes the median: $555,400 (±$52,453) for owner-occupied homes in Fernandina Beach (2020–2024 American Community Survey).
What is the average mortgage payment in Fernandina Beach?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Fernandina Beach, FL is $2,218 (±$316) a month, including taxes, insurance and utilities.
Is Fernandina Beach growing?
In Fernandina Beach, the number of residents went from 12,364 in 2015–2019 to 13,420 in 2020–2024 (+8.5%), a measurable increase.
What ZIP codes are in Fernandina Beach?
The ZIP code that covers Fernandina Beach is 32034.
What is the median rent in ZIP code 32034?
The median gross rent in ZIP Code Tabulation Area 32034 is $1,605 (±$201) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Fernandina Beach city, Florida
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Fernandina Beach city, Florida
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Fernandina Beach city, Florida
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Fernandina Beach city, Florida
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Fernandina Beach city, Florida
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Fernandina Beach city, Florida
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Fernandina Beach city, Florida
- HUD Fair Market Rents, fiscal year 2027: Jacksonville, FL HUD Metro FMR Area
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Jacksonville, FL HUD Metro FMR Area
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Fernandina Beach Police Department (ORI FL0450100)
- FBI: Uniform Crime Reporting statistics and their proper use
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Fernandina Beach city, Florida (place:22175, in state:12).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .