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City · 13,420 residents · Nassau County, Florida

Fernandina Beach , Florida

In Fernandina Beach, a typical home is worth $555,400 and typical rent is $1,259 a month. Compared with all of Nassau County, the typical home value is 45% higher and typical rent is 17% lower.

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  • Typical home value

    $555,400

    45% above the county

    55% above Florida

    • Fernandina Beach
    • Nassau
    • Florida

  • Typical rent

    $1,259a month

    17% below the county

    25% below Florida

    • Fernandina Beach
    • Nassau
    • Florida

  • Typical household income

    $97,903a year

    9% above the county

    31% above Florida

    • Fernandina Beach
    • Nassau
    • Florida

  • Households that own their home

    80%

    2 points below the county

    13 points above Florida

    • Fernandina Beach
    • Nassau
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$612,383
about the same as 12 months ago
Typical rent
$2,267 a month
2.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Fernandina Beach is in Nassau County. The FHA loan limit ($580,750 for a one-unit home), the fair market rents and the help on this page are those of all of Nassau County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fernandina Beach apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Jacksonville, the typical home value is $293,700: 47% less than in Fernandina Beach ($555,400).

  2. The typical home in Fernandina Beach is worth $555,400, 45% more than in Nassau County as a whole ($382,800).

  3. The typical rent in Fernandina Beach is $1,259 a month, 17% less than in Nassau County as a whole ($1,526).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fernandina Beach

What homes there are in Fernandina Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Nassau County, most homes in Fernandina Beach are detached houses (67%).

Year built

Homes in Fernandina Beach are older: the typical year built is 1986; in Nassau County, 2000.

There are fewer big homes in Fernandina Beach than in Nassau County: 70% have 3 bedrooms or more, against 79%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,218 a month

Nassau County: $1,849 a month

Without a mortgage

$846 a month

Nassau County: $632 a month

Owners with a mortgage

48%

Nassau County: 59%

Owning costs more in Fernandina Beach: with a mortgage, the typical cost is $2,218 a month; in Nassau County, $1,849. Without one, $846.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Fernandina Beach rose at about the same pace as in Nassau County: 66% against 66%.

Since 2015–2019, the typical rent in Fernandina Beach did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFernandina BeachNassau CountyFloridaUnited States
Rental vacancy Unreliable estimate9.2%7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate1.7%3.3%3.4%
People per household 2.022.472.512.53
Drive alone 75%79%70%69%
Carpool Unreliable estimate6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 17%14%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.02 on average, against 2.47 in Nassau County.

To get to work, 75% of workers in Fernandina Beach drive alone; in Nassau County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fernandina Beach?

A typical home costs more than the typical income allows

We start with a typical home in Fernandina Beach, worth $555,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Fernandina Beach, which is $97,903 a year. For that payment to be 28% of income, a household would need to earn about $194,047 a year.

The calculator's FHA and conventional loan limits are those of all of Nassau County.

Your numbers

Local data
$

Starts at the typical home value in Fernandina Beach. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $19,439 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,528

at 7.18% · 30 years

Loan amount
$545,340
Total interest
$784,617
Paid off in
November 2056

Includes $9,379 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,284 a month

  • Tight

    $2,284 to $2,937 a month

  • Hard

    more than $2,937 a month

    Your payment · 55%

Compared with the typical household income in Fernandina Beach ($97,903 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,528
Principal & interest$3,694
Property tax$356
Home insurance$231
FHA mortgage insurance (MIP)$246

You need at least $19,439 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fernandina Beach and Nassau County

Fernandina Beach is in Nassau County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fernandina Beach's own numbers

Typical home value
$555,400
Typical monthly rent
$1,259
Typical yearly household income
$97,903
Households that own their home
80%
Effective property tax rate
0.77%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Nassau County

FHA limit, one-unit home
$580,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,694
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
8.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Nassau County.

Everything about Nassau County

Buying

Buying a home in Fernandina Beach

A typical home in Fernandina Beach is worth $555,400: 45% above the county and 55% above Florida. With the typical household income in Fernandina Beach ($97,903 a year), a typical home costs 5.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Fernandina Beach 5.7 years
  • Nassau 4.3 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nassau County

According to FHFA’s house price index, home prices in Nassau County rose 139% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Nassau County.

Period County Florida U.S.
Last year (2025) +0.9% −0.5% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +139% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fernandina Beach next to Nassau County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Fernandina Beach $555,400
  • Nassau $382,800
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Fernandina Beach $1,259
  • Nassau $1,526
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Fernandina Beach $97,903
  • Nassau $89,804
  • Florida $74,568
  • United States $80,734
See the full table
Fernandina Beach next to Nassau County and Florida
Measure Fernandina Beach Nassau County Florida U.S.
Typical home value $555,400 $382,800 $359,000 $332,700
Typical monthly rent $1,259 $1,526 $1,669 $1,413
Typical yearly household income $97,903 $89,804 $74,568 $80,734
Households that own their home 80% 83% 68% 65%
Typical yearly property tax $4,293 $2,699 $2,730 $3,119
Effective property tax rate 0.77% 0.71% 0.76% 0.94%
Renters with high rent for their income 58% 54% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fernandina Beach

For a typical $555,400 home in Fernandina Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fernandina Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,528a month

    Least cash to close
    Down payment
    $19,439
    Cash to close
    $36,101
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $246

  • Conventional, 5% down $4,426a month

    Down payment
    $27,770
    Cash to close
    $44,432
    Rate
    7.18%
    Mortgage insurance
    PMI · $264

  • Conventional, 20% down, no PMI $3,598a month

    Down payment
    $111,080
    Cash to close
    $127,742
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,111a month

    Down payment
    $83,310
    Cash to close
    $99,972
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fernandina Beach and for Nassau County.

Property tax

Effective rate in Fernandina Beach

0.77%of the home’s value each year

$4,293 a year for the typical owner in Fernandina Beach.

  • Fernandina Beach 0.77%
  • Nassau 0.71%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Nassau County

FEMA does not publish these numbers by city: they are for all of Nassau County.

Homes in the high-risk zone
8.5%
3,317
Of those, with NFIP insurance
61%
County Florida U.S.
Homes in the high-risk zone 8.5% 13% 3.5%
Of those, with NFIP insurance 61% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fernandina Beach

Typical rent in Fernandina Beach is $1,259 a month: 17% below the county. In Fernandina Beach, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nassau County, by unit size. To pay the 2-bedroom one ($1,694 a month) without spending more than 30% of your income, you would need to earn $32.58 an hour working full time.

HUD fair market rent for all of Nassau County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,401 $26.94 $56,040
1 bedroom $1,421 $27.33 $56,840
2 bedrooms $1,694 $32.58 $67,760
3 bedrooms $2,077 $39.94 $83,080
4 bedrooms $2,594 $49.88 $103,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fernandina Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fernandina Beach is in ZIP code 32034.

For 2 bedrooms it is $1,640: $54 less than the fair market rent for Nassau County ($1,694).

  • 32034 $1,640$2,010

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fernandina Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Fernandina Beach

HUD lists 5 buildings with rents for lower incomes in Fernandina Beach. These are the largest.

  • Nassau Club 95150 Woodbridge Pkwy, Fernandina Beach 32034 192 homes, 148 low-income · 1 bd: 32 · 2 bd: 112 · 3 bd: 32 · 4 bd: 16 · In service since 2005 · For families
  • Fernandina BCH Apts 1316 Hickory St, Fernandina Beach 32034 57 low-income homes · Run by Housing Authority of City of Fernandina Beach · Average payment: $396 a month · Homes at several sites (904) 261-5051
  • Buccaneer Villas 1100 Lime St, Fernandina Beach 32034 48 homes, 46 low-income · 2 bd: 48 · In service since 1993 · For families
  • Post Oak 995 Citrona Dr, Fernandina Beach 32034 41 low-income homes
  • Countryside 1105 S 13th St, Fernandina Beach 32034 39 homes, 38 low-income · 1 bd: 6 · 2 bd: 33 · In service since 2008 · For families

See all 9 buildings in Nassau County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fernandina Beach

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Nassau County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Fernandina Beach

No down payment, repair or rent-help program on our list is for Fernandina Beach or Nassau County. The ones below are statewide in Florida: they work in Fernandina Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Fernandina Beach

The HUD-approved agencies closest to the center of Fernandina Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Jacksonville Area Legal Aid, Inc.

    126 W Adams St, Jacksonville · 26 miles away · Spanish

    Also serves in American Sign Language (ASL), Creole, French, and Hindi.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (904) 356-8371

  • NSC (naca Counseling Subsidiary) - Jacksonville, FL

    3986 Boulevard Center Dr Ste 101, Jacksonville · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (904) 306-9272

  • Wealth Watchers, Inc

    5310 Lenox Ave Ste 4, Jacksonville · 29 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (904) 265-4736

All counseling agencies in Florida

Help in Spanish near Fernandina Beach

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fernandina Beach

HUD’s record names them for Fernandina Beach or Nassau County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of City of Fernandina Beach Public housing and Section 8 vouchers (904) 261-5051

All housing agencies in Florida Source: HUD

Cities

Other cities in Nassau County

These cities are also in Nassau County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Nassau County Housing in Florida

Nearby cities

The cities closest to Fernandina Beach, with the typical home value.

Neighboring counties

If Nassau County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fernandina Beach.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Fernandina Beach

Short answers with the numbers for Fernandina Beach and all of Nassau County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Fernandina Beach?

The typical home value in Fernandina Beach is $555,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $382,800.

How much does it cost to rent in Fernandina Beach?

Typical rent in Fernandina Beach is $1,259 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $1,694.

What is the FHA loan limit in Fernandina Beach?

Fernandina Beach uses the FHA limit for all of Nassau County (2026): $580,750 for a one-unit home and $1,116,850 for a four-unit home.

How much property tax do owners pay in Fernandina Beach?

The typical homeowner in Fernandina Beach pays $4,293 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Nassau County, the rate is 0.71%.

Where can I find free help to buy or rent in Fernandina Beach?

We found no HUD-approved counseling agencies with an office in Nassau County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).