Fernandina Beach, FL
Population 13,239 · Florida
About Fernandina Beach, FL
Fernandina Beach is a mid-sized city located in Florida with a population of 13,239 residents according to the latest US Census Bureau American Community Survey data. The median household income is $92,535 per year, which is 23% above the national median of $75,149. The median age of 58.3 years is notably older the US median age of 38.9 years, suggesting a more established community with a higher proportion of long-term residents.
Housing Market Overview
The housing market in Fernandina Beach features a median home value of $483,700, which is 98% above the national median of $244,900. This places Fernandina Beach in a higher-cost housing market, where property demand often outpaces supply. Median monthly rent is $1,581, 36% above the national average of $1,163/month. Of the 8,103 total housing units, 79% are owner-occupied (5,224 units) and 21% are renter-occupied (1,411 units). The high homeownership rate suggests a stable, established residential community.
Economy & Employment
The local economy in Fernandina Beach shows an unemployment rate of 2.6%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 8.7%, below the national average of 12.4%, reflecting generally favorable economic conditions. Workers in Fernandina Beach have an average one-way commute time of 23.6 minutes.
Education & Demographics
51.1% of Fernandina Beach residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This significantly higher educational attainment rate often correlates with access to knowledge-economy jobs and higher household incomes. The community's demographic composition includes 5.5% White, 0.5% Hispanic or Latino, 1.1% Black or African American, and 3.0% Asian residents, with 5.4% of the population being foreign-born.
Cost of Living in Fernandina Beach, FL
Compared to national averages, Fernandina Beach has a median household income of $92,535 (23% above the national median of $75,149). Home values average $483,700, which is 98% above the national median. Monthly rent at $1,581 is 36% above the US average of $1,163. Within Florida, Fernandina Beach's income is 22% above the state average of $75,893, and home values are 37% above the state median of $353,675.
Why Live in Fernandina Beach, FL?
Fernandina Beach offers a strong local economy with a median household income of $92,535, well above the national average, and a strong job market with an unemployment rate of just 2.6%, and a well-educated community where 51.1% of residents hold a bachelor’s degree or higher. Additionally, the city features a low poverty rate of 8.7%, better than the national average, and short commute times averaging just 23.6 minutes.
Potential considerations include a competitive housing market where the typical home costs $483,700. However, Fernandina Beach’s smaller community size offers a quieter lifestyle and tight-knit neighborhoods.
Fernandina Beach has a population of 13,239 with a median age of 58.3 years. Compare Fernandina Beach with other cities to see how it stacks up, or explore all cities in Florida.
Similar Cities Near Fernandina Beach
Cities in Florida with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Callaway | 13,297 | $69,388 | $215,300 | Compare |
| Olympia Heights | 13,179 | $107,381 | $497,300 | Compare |
| South Daytona | 13,322 | $54,931 | $210,500 | Compare |
| Celebration | 13,150 | $97,654 | $613,000 | Compare |
| Cypress Lake | 13,145 | $62,767 | $237,700 | Compare |
| Conway | 13,346 | $96,250 | $366,800 | Compare |
| Atlantic Beach | 13,353 | $103,288 | $565,500 | Compare |
| North Palm Beach | 13,089 | $91,042 | $456,700 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in Florida
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Fernandina Beach With Other Cities
Frequently Asked Questions about Fernandina Beach
What is the population of Fernandina Beach, FL?
The population of Fernandina Beach, FL is 13,239 according to the latest US Census Bureau American Community Survey estimates. This makes it a mid-sized city in Florida.
What is the median household income in Fernandina Beach?
The median household income in Fernandina Beach, FL is $92,535 per year, which is 23% above the national median of $75,149.
What is the median home value in Fernandina Beach?
The median home value in Fernandina Beach, FL is $483,700, which is 98% above the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Fernandina Beach?
The median monthly rent in Fernandina Beach, FL is $1,581, which is 36% above the national average of $1,163/month.
What is the unemployment rate in Fernandina Beach?
The unemployment rate in Fernandina Beach, FL is 2.6%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Fernandina Beach, FL a good place to live?
Fernandina Beach offers above-average incomes, a competitive housing market, and a strong job market. With a population of 13,239 and a median age of 58.3, the city appeals to established professionals and retirees.
How educated is Fernandina Beach, FL?
51.1% of residents in Fernandina Beach aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This above-average educational attainment often reflects a knowledge-based local economy.
What is the cost of living in Fernandina Beach?
Key cost-of-living indicators for Fernandina Beach, FL: median home value is $483,700 (98% above national), median rent is $1,581/month, and median household income is $92,535. The home-value-to-income ratio is 5.2x, a moderate figure by national standards.
What is the poverty rate in Fernandina Beach?
The poverty rate in Fernandina Beach, FL is 8.7%, compared to the national average of 12.4%. This below-average poverty rate reflects generally favorable economic conditions in the community.
How diverse is Fernandina Beach, FL?
Fernandina Beach's population is 5.5% White, 0.5% Hispanic or Latino, 1.1% Black or African American, 3.0% Asian, and 7.3% two or more races. 5.4% of residents are foreign-born.