Florida · Metropolitan Area
Fernandina Beach is a small city in Florida with a population of 13,239. Residents earn $92,535 per year, which is 23% above the national average.
Based on current data, Fernandina Beach receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, a highly educated population. Areas to be aware of include high housing costs. Fernandina Beach offers a solid quality of life with a good balance of affordability, safety, and opportunity.
The median household income in Fernandina Beach is $92,535, 23% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 1.3%. Only 4.5% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
The median home value in Fernandina Beach is $483,700, making it a premium housing market at 72% above the U.S. median of $281,900. Renters pay a median of $1,581 per month, significantly above the national average of $1,163. The price-to-income ratio of 5.2x means housing costs are stretched relative to local earnings.
Violent crime in Fernandina Beach is below the national average at 282 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,272 per 100,000, near the national average.
Fernandina Beach is a highly educated community — 51.1% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 97.1% have completed high school. Area schools have an average test score of 5.6/10.
Fernandina Beach enjoys a moderate climate with an average annual temperature of 70°F. Winters average 55°F in January while summers reach 83°F in July. Annual precipitation totals 49.9 inches. Air quality is rated Good with a median AQI of 41.
| English Only | 91.1% |
| 16% above US avg | |
| Spanish | 8.9% |
| 34% below US avg |
| Median HH Income | $92,535 |
| 23% above US avg | |
| Per Capita Income | $63,640 |
| Avg Weekly Wage | $1,092 |
| IRS Avg AGI | $115,759 |
| Unemployment | 1.3% |
| 64% below US avg | |
| Poverty Rate | 4.5% |
| 64% below US avg | |
| Establishments (County) | 2,944 |
| County GDP | $4,980M |
| Restaurants | 209 |
| Healthcare | 241 |
| Retail | 288 |
| Manufacturing | 45 |
| Property Tax (IRS) | $8,818 |
| 152% above US avg | |
| Effective Tax Rate | 1.82% |
| Commute Time | 23.6 min |
| Work from Home | 19.0% |
| Census Median | $483,700 |
| 72% above US avg | |
| Zillow ZHVI | $596,850 |
| Median List Price | $699,000 |
| Median List Price | $699,000 |
| $/Sq Ft | $384 |
| Homes Sold | 30 |
| Sale-to-List Ratio | 94.6% |
| Price Drops | 19.8% |
| Inventory | 182 |
| Census Median Rent | $1,581 |
| 36% above US avg | |
| Zillow Rent (ZORI) | $2,109 |
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
| Owner-Occupied | 78.7% |
| Avg Tax (IRS) | $8,818 |
| 152% above US avg | |
| Effective Rate | 1.82% |
| Obesity | 32.6% |
| 2% above US avg | |
| Diabetes | 8.0% |
| Heart Disease | 4.7% |
| High Blood Pressure | 28.5% |
| Asthma | 9.7% |
| COPD | 5.0% |
| Stroke | 2.4% |
| Binge Drinking | 18.4% |
| Physical Inactivity | 16.2% |
| Depression | 19.2% |
| Mental Distress | 16.6% |
| Physical Distress | 11.2% |
| Insurance Rate | 91.8% |
| Checkup Rate | 76.4% |
| Premature Death | 9,847/100K |
| Food Environment | 7.7/10 |
| Exercise Access | 82.4% |
| Healthcare Facilities | 241 |
| Total Violent | 281.9/100K |
| 26% below US avg | |
| Murder | 0.0/100K |
| 100% below US avg | |
| Rape | 16.6/100K |
| Robbery | 49.7/100K |
| Assault | 215.6/100K |
| Total Property | 2,271.6/100K |
| 16% above US avg | |
| Burglary | 489.1/100K |
| Theft | 1,765.9/100K |
| Vehicle Theft | 16.6/100K |
| Arson | 0.0/100K |
| Fatal Crashes (County/yr) | 12 |
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
| Annual Average | 70.0°F |
| 30% above US avg | |
| January Average | 55°F (13°C) |
| July Average | 83°F (28°C) |
| Annual Rainfall | 49.9 inches |
| 31% above US avg | |
| Snowfall | 0.0 inches/yr |
| AQI Median | 41.0 |
| Rating | Good |
| Elevation | 22 ft (7 m) |
| Area | 11.8 sq mi (30.7 km²) |
| Population Density | 1,118/sq mi |
| Coordinates | 30.6581°N, 81.4515°W |
| County FIPS | 12089 |
Winner: Republican by 46.9 points
| Bachelor's Degree+ | 51.1% |
| 52% above US avg | |
| High School+ | 97.1% |
| School Test Score | 5.60 |
| RUCC Code 1 | Metro — 1 million+ |
| Population Density | 1,118/sq mi |
| Total Area | 11.8 sq mi |
| EV Charging Stations | 9 |
| Alt Fuel Stations | 10 |
| Public Libraries | 5 |
| Healthcare Facilities | 241 |
| Restaurants | 209 |
| Retail Stores | 288 |
| Fatal Crashes (County/yr) | 12 |
| Avg Commute | 23.6 min |
| Work from Home | 19.0% |