Fernandina Beach, FL population, income and ZIP codes

Fernandina Beach city is a mid-size town in Florida, with 13,239 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #287 of 955 ranked by population — larger than 70% of them. The median age here is 58.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Fernandina Beach city earn a median of $92,535 a year, 17.8% above the national figure of $78,538 and 35% above the $68,617 median for the 775 Florida cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 8.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Fernandina Beach city is valued at $483,700, 59.4% above the national figure and 58% above the $305,300 peer median, while median gross rent runs $1,581 a month, 12.4% above the national figure, or roughly $18,972 across a full year. A household on the local median income would put about 20.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.2×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 78.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 58.3 puts Fernandina Beach city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.