Fernandina Beach, Florida.
Typical home $612,383 (+0.3% in a year), asking rent $2,267 (+2.8%). Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$1,836 (+133%) since Jan 2020.
- 1 year
- Up $1,808 +0%
- $610,575$612,383 since Sep 2025
- 5 years
- Up $123,112 +25%
- $489,271$612,383 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Fernandina Beach$3,214
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Fernandina Beach, FL rose 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Fernandina Beach, FL rose 2.8% over the past year — in step with the nation.
Owning the typical home in Fernandina Beach runs $1,963/mo more than renting one. The gap peaked at $2,457 in Oct 2023.
That is $4,230 a month against $2,267 rent: a $3,214 mortgage payment, plus $360 property tax and $656 insurance & upkeep.
Owning vs renting — Fernandina Beach
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,230
- Renting$2,267
- Mortgage only$3,214
Property tax · $360/mo 0.71% of value a year — the ACS 2020-2024 median bill over the median home value for Nassau County, FL
Insurance & upkeep · $656/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Fernandina Beach, Nassau County, Florida
Fernandina Beach is a city of 13,052 people in Nassau County. Half its households earn more than $97,903 a year and half less, against $89,804 across Nassau County; 11% of its people live below the poverty line. 80% of its homes are lived in by their owners and 20% are rented. Unemployment in Nassau County was 4.6% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Fernandina Beach is a small city where most homes are lived in by their owners, and residents tend to be older than in most American towns. Incomes run above the county's, and a good share of adults hold a four-year degree. Homes are costly and rents are high. Winters are mild and rarely bring any snow, summers are hot, and the year is a wet one.
Work. Residents most often work in schools, hospitals and social care, in restaurants, hotels and entertainment, and in professional and business services, with government close behind. Among the largest workplaces in town are Nassau Schools, the WestRock paper mill and the RYAM-Fernandina Mill. The typical commute is fairly short, and a good number of people work from home.
Things to do. In or beside town, the Amelia Island Museum of History tells the area's story, and Fort San Carlos is another of the local historic sites. A short drive away are Fort Clinch State Park, a state park built around an old fort, and Amelia Island State Park. Farther afield, a longer drive brings you to Cumberland Island National Seashore, a protected stretch of coast.
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- 6,464households
- 53%of adults have a degree
- 11%below the poverty line
- 22 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Nassau County had 27,745 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 64° and lows near 45°; warmest in July, with highs near 91° and lows near 75°. About 50 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Fernandina Beach weather station, under a mile away (NOAA).
Largest workplaces in Fernandina Beach
- Nassau SchoolsSchool district1,633FTE
- WestRock CPPapermill599
- RYAM-Fernandina MillPulp manufacturing without making paper300
- Publix Super MarketsSupermarkets and other grocery stores185
- LignoTech FloridaGum and wood chemicals manufacturing60
- Nassau TerminalMarine cargo handling services60
- Fernandina BeachMail and parcel delivery58
- MCG HomesResidential construction, single-family, general contractors27
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 1,312 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingRelatively high
- HurricanesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Fernandina Beach’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Nassau County and the Jacksonville, FL metro.
Fernandina Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Fernandina Beach$612,383
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 4 Fernandina Beach listings, and the typical home goes pending in 66 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Fernandina Beach26.34%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Fernandina Beach66
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Fernandina Beach577
New listings per month
Sellers arriving at the market.
- Fernandina Beach103
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Fernandina Beach$643,154
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Fernandina Beach96.08%
Zip codes with a Fernandina Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Fernandina Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.