City

Fernandina Beach, FL

2 ZIP codes  ·  Nassau County  ·  Florida

👥39,280Population
💰$97,756Median HH Income▲ 28% above avg
🎂56.5Median Age
🏠$484,200Median Home Value▲ 74% above avg
🎓63.4%College Grads▲ 64% above avg
📊6.1%Unemployment▲ 25% above avg
People & Population (ACS 2023 — weighted avg)
♂ Male 47.5% Female 52.5% ♀

Race & Ethnicity

White: 84.7%Hispanic: 6.2%Black: 4.5%Asian: 2.1%Other: 1.8%Race
White84.7%
Hispanic6.2%
Black4.5%
Asian2.1%
Other1.8%

Age Breakdown

Under 5
3%
5–17
12%
18–24
4%
25–44
18%
45–64
30%
65+
14%

Key Indicators

Median Age56.5 yrs
Avg HH Size2.20
Below Poverty6.9% ▼ 31% below avg
College Grads63.4% ▲ 64% above avg
Unemployment6.1% ▲ 25% above avg
No HS Diploma161 (0.5%)
HS Graduate4,228 (13.8%)
Some College2,833 (9.3%)
Associates3,949 (12.9%)
Bachelors3,021 (9.9%)
Graduate Degree16,357 (53.5%)

Education

No HS: 0.5%HS Grad: 13.8%Some College: 9.3%Associates: 12.9%Bachelors: 9.9%Graduate: 53.5%Edu
No HS0.5%
HS Grad13.8%
Some College9.3%
Associates12.9%
Bachelors9.9%
Graduate53.5%
Housing & Income

Housing Tenure

Owner: 85.1%Renter: 14.9%Tenure
Owner85.1%
Renter14.9%

Home Value Distribution

Under $50k
1%
$50k–$100k
2%
$100k–$150k
1%
$150k–$200k
2%
$200k–$300k
11%
$300k–$500k
37%
Over $500k
46%

Financials

Median HH Income$97,756 ▲ 28% above avg
Median Home Value$484,200 ▲ 74% above avg
Home/Income Ratio5.0x (nat avg ~3.5x)
Median Rent$1,399/mo
Total Housing Units21,768
Vacant Units4,050

Income Distribution

Under $25k
11%
$25k–$50k
10%
$50k–$75k
15%
$75k–$100k
14%
$100k–$150k
20%
$150k–$200k
11%
Over $200k
19%
Employment & Commute

How People Get to Work

Drove Alone
79%
Public Transit
0%
Walked
1%
Work From Home
21%

Commute Time

Under 15 min
30%
15–30 min
29%
30–45 min
18%
Over 45 min
23%
Housing Stock

Year Built

Before 1940
1%
1940s–1950s
3%
1960s–1970s
10%
1980s–1990s
23%
2000+
63%
About Fernandina Beach, FL

Fernandina Beach is a city in Florida, located in Nassau County. The city spans 2 ZIP codes and is home to approximately 39,280 residents. It is an older city, with a median age of 56.5 years.

Economically, Fernandina Beach is a middle-income community. The median household income of $97,756 is above the national average. Approximately 6.9% of residents live below the poverty line. The unemployment rate is 6.1%, above the national average.

The real estate market in Fernandina Beach is a premium housing market. Median home values stand at $484,200, which is significantly above the national average. Renters typically pay around $1,399 per month. Homeownership is high at 85.1%, typical of suburban and family-oriented communities.

The population of Fernandina Beach is highly educated. 63.4% of adults hold a bachelor's degree or higher — significantly above the national average. The community is primarily White (84.67%).

Fernandina Beach, FL offers residents above-average earning potential within Florida. Spread across 2 ZIP codes, the city's neighborhoods vary in character, density, and demographics — explore each ZIP code below for a detailed breakdown.

ZIP Codes in Fernandina Beach
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
32034 39,280 $97,756 $484,200 $1,399 6.1% 63.4% 85.1%

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