Everything You Should Know Before Moving to Fernandina Beach, FL
Thinking of relocating to Fernandina Beach, FL? This charming coastal city of 13,600 residents features a relaxed lifestyle with a median home price of $526,000 and average rents around $1,780. Residents enjoy a mild climate with 63% sunny days, a short 24-minute average commute, and excellent local schools. Fernandina Beach boasts low violent crime rates, a high rate of home ownership, and access to quality healthcare, making it ideal for families, retirees, and beach lovers alike.
Demographics - Fernandina Beach, FL
Demographics - Fernandina Beach, FL
Fernandina Beach is a close-knit coastal community of about 13,600 people, notable for its older median age of 54.2 and a predominantly White population. The city offers a balanced gender ratio and a welcoming environment for both English and non-English speakers, with nearly 9% speaking a language other than English at home.
Population:
13,600
Density:
1,085 per sq mi
Median Age:
54.2
Gender Ratio:
92 males per 100 females
Non-English Speakers Percentage:
8.5%

Ethnic Composition
White:
87.5%
Black:
7.1%
Asian:
1.3%
Others:
4.1%
Cost Of Living
What is the average cost of living in Fernandina Beach, FL?
With a median home value of $526,000 and a cost of living index above the national average, Fernandina Beach tends to be pricier, especially in housing. While everyday expenses like groceries and healthcare are slightly elevated, Florida's 0% state income tax offers residents some financial relief.
Median House Value:
$526,000
Gross Rent:
$1,780
Monthly Electricity Charges:
$145
Auto Insurance:
$2,130
House Owner Cost With Mortgage:
$2,400
House Owner Cost Without Mortgage:
$810
State Taxes:
Low:
0%
|
High:
0%
Cost Of Living Index:
115.3
Grocery:
110.4
Housing:
132.1
Utilities:
104.2
Transportation:
101.6
Health Care:
106.9
Miscellaneous:
98.0
Crime
Is Fernandina Beach, FL a safe place to live?
Fernandina Beach enjoys a relatively low violent crime rate of 170 incidents per 100,000 people, providing peace of mind for residents. Property crime is more common but still within expected ranges for a small, popular coastal city.
Violent Crimes Per 100k:
170
Property Crimes Per 100k:
1,900
Crime Index:
2,070
Chance Of Violent Crime:
1 in 588
Chance Of Property Crime:
1 in 53
Weather
What is the weather like in Fernandina Beach, FL year-round?
Residents benefit from a mild, temperate climate with winter highs around 66°F and summer peaks near 90°F. The area experiences about 63% sunny days and receives nearly 49 inches of rainfall annually, making outdoor activities enjoyable almost year-round.

Winter
Min:
46°F
Max:
66°F

Spring
Min:
59°F
Max:
78°F

Summer
Min:
73°F
Max:
90°F

Fall
Min:
59°F
Max:
80°F
Average Rainfall Inches:
48.8 inches
Sunny Days Percentage:
63%
Neighbors
The community features a strong median household income of $74,900 and a low unemployment rate of 3%. With nearly 95% of adults holding at least a high school diploma and a family-friendly vibe, Fernandina Beach is welcoming to newcomers seeking a balanced, small-town lifestyle.
Median Income:
$40,200
Household Income:
$74,900
Family Income:
$92,500
Per Capita Income:
$47,800
Income Male:
$54,600
Income Female:
$42,700
Poverty Rate:
8.5%
Non English Speakers:
8.5%
Rent:
$1,780
Unemployment Rate:
3.0%
Public Transport Usage:
0.7%
Commute Time:
24.1 minutes

Education
High School or Higher:
94.6%
Bachelors or More:
40.3%
Education
How are the schools in Fernandina Beach, FL?
Fernandina Beach offers highly regarded public schools with favorable student-teacher ratios, as well as private schooling options and nearby college access. With nearly 95% of residents holding at least a high school diploma, educational attainment is strong throughout the community.

Public Schools
Name:
Fernandina Beach High School
Street:
435 Citrona Dr
Phone:
904-261-5713
Students:
900
Student Teacher Ratio:
19.1
Name:
Fernandina Beach Middle School
Street:
315 Citrona Dr
Phone:
904-491-7938
Students:
650
Student Teacher Ratio:
18.2
Name:
Southside Elementary School
Street:
1112 Jasmine St
Phone:
904-321-5900
Students:
800
Student Teacher Ratio:
15.8

Private Schools
Name:
St. Michael Academy
Street:
228 N 4th St
Phone:
904-321-2102
Students:
280

Colleges
Name:
Florida State College at Jacksonville - Nassau Center
City:
Yulee
State:
FL
Distance:
9 miles
Students:
1,400
Healthcare
Fernandina Beach offers quality healthcare, anchored by Baptist Medical Center Nassau, a full-service hospital with emergency care. High health insurance coverage rates and above-average physician availability ensure residents have good access to medical services.

Major Hospitals
Name:
Baptist Medical Center Nassau
Address:
1250 S 18th St, Fernandina Beach, FL 32034
Phone:
(904) 321-3500
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.1
Health Insurance Coverage:
93.5%
Health Care Index:
76.4
Housing Market
What is the housing market like in Fernandina Beach, FL?
The housing market is robust, with a median home price of $526,000 and a high owner-occupancy rate of 73%. Home values have appreciated by over 6% in the past year, reflecting steady demand in this desirable coastal area.
Median Home Price:
$526,000
Average Rent For 2 Bedroom:
$1,780
Owner Occupied Rate:
73.1%
Rental Vacancy Rate:
7.3%
Home Appreciation Rate (1yr):
6.2%
New Construction Rate:
2.1%
Foreclosure Rate:
0.4%
DMV Information
Local residents can conveniently access DMV services at the Florida Department of Highway Safety and Motor Vehicles office on License Road. Essential driver and vehicle services are managed here, with additional information available on the state’s official website.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
86130 License Rd, Fernandina Beach, FL 32034
Phone:
904-491-7400
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.