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Living in
Fernandina Beach.
About
Life in Fernandina Beach
Fernandina Beach is a community of 13,239 people in Florida. The median household income is $97,903, and median home values are around $555,400. Unemployment is low at 3.9%, suggesting a relatively healthy local job market.
Fernandina Beach at a Glance
Population, income, housing and more
Median Age
58.6 yrs
Poverty Rate
11.3%
Foreign-Born
5.3%
Broadband Internet
96.6%
of households
Population Growth
+6.3%
recent change · Census Bureau
Median household income
Demographics5.3% foreign-born, most often from Canada
Who lives in Fernandina Beach: race and ethnicity, ages, households, languages and countries of origin
In Fernandina Beach, the largest foreign-born group is from Canada (14.4%), and 4.9% of residents speak Spanish at home.
Under 18
11.5%
of residents
65 and Older
37.8%
of residents
Households with Kids
17.3%
anyone under 18
Living Alone
32.0%
of households
Married Couples
50.7%
of households
Avg Household Size
2.02
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Living
Rent, home values, and income in Fernandina Beach
In Fernandina Beach, home values are 55% above the FL average.
Median rent (per month)
Median home value
Rent Burdened
52.2%
spending 30%+ of income on rent
Severely Rent Burdened
32.4%
spending 50%+
Cost of Living Index
99.5
metro area (BEA) · US avg = 100
Median Property Tax
$4,293
per year, owner-occupied homes
Homeowners
80.5%
of occupied homes are owned
Typical Home Built
1986
median year built
Vacant Homes
20.9%
of housing units
Home Value Trend
Latest: $612,383 (September 2026)
Jobs & Economyunemployment about average for FL
Unemployment in Fernandina Beach and typical pay across the metro area
Unemployment in Nassau County, which includes Fernandina Beach, is close to the FL average.
Unemployment rate
Fernandina Beach: Nassau County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Nassau County (county-wide) · Annual averages
What Fernandina Beach Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Jacksonville, FL metro area
Commute22.3 min avg
How Fernandina Beach residents get to work, and the nearest airports
In Fernandina Beach, most residents drive alone to work (75%), and 77% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 18 mi
Jacksonville International Airport (JAX)
Medium hub3.7M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 39% below national average
Crime rates for 2025
Violent crime in Fernandina Beach runs 39% below the national average.
Violent Crime Rate
202.5
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
499.2
per 100,000 residents
Below average (1,552 national, 2025)
Fernandina Beach Police Department
Natural DisastersThunderstorm Wind most common — 13 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Low
59.3 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Nassau County, county-wide · FEMA NRI December 2025
In Nassau County, which includes Fernandina Beach, the most common type is thunderstorm wind, with 13 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 13 | Heavy Rain | None reported |
| 2024 | 14 | Heavy Rain | $600 |
| 2023 | 26 | Thunderstorm Wind | $45,900 |
| 2022 | 10 | Heavy Rain | $3,000 |
| 2021 | 7 | Hail | $20 |
| 2020 | 8 | Thunderstorm Wind | None reported |
| 2019 | 9 | Thunderstorm Wind | $4,200 |
| 2018 | 11 | Thunderstorm Wind | $18,100 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Nassau County, county-wide
Air Quality51 median AQI — Moderate
Days by air quality category (2025)
Air quality in Duval County, FL (the nearest EPA-monitored county, about 25 miles from Fernandina Beach) is typically moderate — acceptable for most people, but can affect those unusually sensitive to air pollution.
Median AQI
51
Good Days
175
per year
Moderate Days
186
per year
Unhealthy Days
0
per year
Nearest EPA monitor county: Duval County, FL (25 mi away)
Climate90°F summers, 48°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Fernandina Beach has warm summers (avg high 90°F) and warm winters (avg low 48°F).
Spring (Mar–May)
78°/61°F
avg high / low
Summer (Jun–Aug)
90°/74°F
avg high / low
Fall (Sep–Nov)
80°/65°F
avg high / low
Winter (Dec–Feb)
66°/48°F
avg high / low
Annual Precipitation
49.9"
Annual Snowfall
0.0"
Hot Days/Year
45
days above 90°F
Freeze Days/Year
5
days below 32°F
Rainy Days/Year
114
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 64°F | 45°F | 3.20" |
| Feb | 67°F | 49°F | 3.13" |
| Mar | 72°F | 54°F | 3.27" |
| Apr | 77°F | 60°F | 3.03" |
| May | 84°F | 68°F | 2.68" |
| Jun | 88°F | 73°F | 6.12" |
| Jul | 91°F | 75°F | 4.96" |
| Aug | 90°F | 75°F | 6.39" |
| Sep | 86°F | 73°F | 7.19" |
| Oct | 80°F | 65°F | 4.97" |
| Nov | 72°F | 56°F | 1.87" |
| Dec | 66°F | 49°F | 3.12" |
Healthcare1 hospital, avg 4.0/5
Hospitals, ratings, and health insurance in Fernandina Beach
Fernandina Beach has 1 hospital, averaging 4.0 out of 5 on CMS's quality rating — above-average care.
Hospitals
1
within city limits
Uninsured
8.6%
of residents
Avg Hospital Rating
4.0 / 5
Baptist Medical Center - Nassau
Acute Care Hospitals · ER available
Nearby hospitals · within 15 miles
Southeast Georgia Health System -- Camden Campus
Acute Care Hospitals · ER available · 13 mi away · Saint Marys
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education14.3:1 student/teacher ratio
Schools and degree attainment in Fernandina Beach
Fernandina Beach's student/teacher ratio is 14.3:1 (lower than the national average of 16:1), and 53.3% of adults 25+ hold a bachelor's degree or higher.
Public Schools
10
within city limits
Private Schools
2
within city limits
College Degree Rate
53.3%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
14.3:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Parks & Recreationclosest: Timucuan Ecological & Historic Preserve, 13 mi
Nearby national parks, recreation areas and public libraries for Fernandina Beach
Fernandina Beach has 6 nearby national parks or recreation areas, closest being Timucuan Ecological & Historic Preserve (13 mi away).
Nearby National Parks & Recreation Areas
Timucuan Ecological & Historic Preserve
Ecological & Historic Preserve
13 mi awayCumberland Island National Seashore
National Seashore
14 mi awayFort Frederica National Monument
National Monument
39 mi awayCastillo de San Marcos National Monument
National Monument
53 mi awayFort Matanzas National Monument
National Monument
67 mi awayFort Pulaski National Monument
National Monument
100 mi awayPublic Libraries in Fernandina Beach
Nassau County Public Library System
25 N. 4th Street, Fernandina Beach
Cities Near Fernandina Beach
The closest cities within 60 miles
Planning a move to Fernandina Beach?
Read our full moving guide — what it's really like to live here.
Fernandina Beach FAQ
Is Fernandina Beach, Florida safe?⌄
Fernandina Beach's violent crime rate was 203 per 100,000 residents in 2025, which is below the national average of 329/100k that year. Property crime rate is 499 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Fernandina Beach, Florida?⌄
Nassau County, which includes Fernandina Beach, has an unemployment rate of 3.9%, which is close to the national average of 4.3%.
How is the commute in Fernandina Beach, Florida?⌄
The average commute in Fernandina Beach is 22 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from