Fernandina Beach, FL demographics:
population, income, and more

Total population
13,420
1.4% year-over-year change
Median household income
$97,903/yr
5.8% year-over-year change
Housing units
8,168
0.8% year-over-year change

Fernandina Beach population

How many people live in Fernandina Beach

Fernandina Beach is home to 13,420 residents, according to the most recent Census data. Gender-wise, 49.8% of Fernandina Beach locals are male, and 50.2% are female.

Total population
13,420
1.4% year-over-year change
Gender ratio
Male
49.8%
6,682
Female
50.2%
6,738
Value Percent YoY change
Male 6,682 49.8% 6.2%
Female 6,738 50.2% -3.0%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Fernandina Beach is 59, with the population distributed as follows: about 9.1% are children under 15, then 6% are in the 15 to 24 age group. Adults between 25 and 44 make up 18.2% of the population, while another 28.9% fall into the 45 to 64 bracket. Finally, around 37.8% are 65 or older.

Median age
58.6
Age breakdown
Under 15
9.1%
15 to 24
6%
25 to 44
18.2%
45 to 64
28.9%
Over 65
37.8%
Value Percent YoY change
Under 15 1,224 9.1% 14.7%
15 to 24 806 6% -5.8%
25 to 44 2,445 18.2% 7.1%
45 to 64 3,876 28.9% -4.0%
Over 65 5,069 37.8% 1.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Fernandina Beach, 92.2% of the population are US-born citizens, while 5.9% have gained naturalized citizenship. At the same time, 1.8% of residents are non-citizens. As for race, 84.8% of locals are Caucasian, 8.3% are African American and 0.4% have Asian roots. There’s also a share of 5.7% that includes residents with two or more races.

Citizenship
U.S.-born citizens
92.2%
Non-U.S.-born citizens
5.9%
Non-citizens
1.8%
Value Percent YoY change
U.S.-born citizens 12,380 92.2% 1.6%
Non-U.S.-born citizens 794 5.9% 1.9%
Non-citizens 246 1.8% -12.1%
Racial breakdown
White
84.8%
Black or African American
8.3%
American Indian and Alaska Native
0%
Asian
0.4%
Native Hawaiian and other Pacific Islander
0%
Two or more races
5.7%
Other
0.8%
Value Percent
White 11,376 84.8%
Black or African American 1,113 8.3%
Asian 59 0.4%
Two or more races 767 5.7%
Other 105 0.8%

Households in Fernandina Beach

A peek inside Fernandina Beach households

Fernandina Beach has 6,464 households, with an average of 2 members in each. Of these, 61.8% are families, while the remaining 38.2% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
6,464
-2.6% year-over-year change
Average people per household
2
Non-family households
2,470
Family households
3,994
Value Percent YoY change
Non-family households 2,470 38.2% -9.1%
Family households 3,994 61.8% 2.0%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Fernandina Beach

The housing landscape of Fernandina Beach

Fernandina Beach's housing consists of 8,168 units, with 66.9% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 8.3% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.3% of the housing landscape.

Housing units
8,168
0.8% year-over-year change
Housing types
Value Percent
1 unit, detached 5,461 66.9%
1 unit, attached 676 8.3%
2 units 627 7.7%
3 or 4 units 385 4.7%
5 to 9 units 364 4.5%
10 to 19 units 191 2.3%
20 to 49 units 144 1.8%
50 or more units 299 3.7%
Mobile home 21 0.3%
Homes built since 2020
195
-39.8% year-over-year change

The age of buildings in Fernandina Beach

In Fernandina Beach, the median construction year is 1986. About 8.7% of homes were built before the 1940s, with another 4.2% going up by 1949. Most development happened in the second half of the 20th century. Then, 16.2% of homes were added from 2000 to 2009, 10.5% between 2010 and 2019, and 2.4% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 709 8.7% 25.9%
Built between 1940 and 1949 346 4.2% -5.2%
Built between 1950 and 1959 676 8.3% 11.7%
Built between 1960 and 1969 415 5.1% 2.7%
Built between 1970 and 1979 946 11.6% -3.6%
Built between 1980 and 1989 1,574 19.3% 5.4%
Built between 1990 and 1999 1,120 13.7% 12.3%
Built between 2000 and 2009 1,326 16.2% -5.6%
Built between 2010 and 2019 861 10.5% -10.9%
Built in 2020 or later 195 2.4% -39.8%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Fernandina Beach occupancy rates

Out of the 6,464 occupied housing units in Fernandina Beach, 80.5% are owner-occupied, while 19.5% are lived in by tenants. Meanwhile, 20.9% of all homes on the local market sit vacant.

Occupied housing units
6,464
-2.6% year-over-year change
Occupancy breakdown
Renter occupied
1,262
Owner occupied
5,202
Value Percent YoY
change
Renter occupied 1,262 19.5% -10.6%
Owner occupied 5,202 80.5% -0.4%
Unoccupied housing units
20.9%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Fernandina Beach housing costs

Housing costs in Fernandina Beach come to a median of $1,336 per month, while tenants specifically pay a median gross rent of $1,259.

Median housing costs per month
$1,336/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Fernandina Beach
$1,259/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Fernandina Beach

Fernandina Beach education at a glance

About 18.7% of the population in Fernandina Beach went to high school, while 18.1% pursued college studies. Another 10% earned an associate degree and 31.9% hold a bachelor’s. Meanwhile, 20% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 153 1.3% 15.9%
High school diploma 2,225 18.7% 1.7%
College diploma 2,150 18.1% -13.9%
Associate degree 1,187 10% -6.3%
Bachelor's degree 3,787 31.9% 2.7%
Graduate degree 2,378 20% 8.2%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Fernandina Beach

How much people earn in Fernandina Beach

The average annual household income in Fernandina Beach was $132,597 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +6% change from the previous year. At the same time, the median income stood at $97,903, reflecting a +5.8% shift over the same period.

Average household income in Fernandina Beach
$132,597/year
6.0% year-over-year change
Median household income in Fernandina Beach
$97,903/year
5.8% year-over-year change

Fernandina Beach income by age

In Fernandina Beach, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $85,117. Those with someone between 45 and 64 in charge, often well established professionally, earn $116,125 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $42,763, while those led by someone over 65, many of whom may be retired, have about $97,730 in earnings. Overall, 89.2% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $42,763 26.9%
25 - 44 $85,117 1.0%
45 - 64 $116,125 20.1%
Over 65 $97,730 2.7%
Above poverty level
11,611
Below poverty level
1,399
Value Percent YoY
change
Above poverty level 11,611 89.2% -1.6%
Below poverty level 1,399 10.8% 34.8%

Average renter income in Fernandina Beach

To get a better sense of what renters earn on average in Fernandina Beach, their median household income was $51,814 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 29.2%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$51,814
Rent-to-income ratio
29.2%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Fernandina Beach

Workforce and job types in Fernandina Beach

The job market in Fernandina Beach is powered by 6,169 working residents, spread across a range of industries and roles. 87.2% of the working population are employed in professional or administrative positions, while 12.8% are in hands-on or service-based jobs. Also, 14.6% run their own businesses, 57.6% are employed by private companies, and 18.4% work in the public sector.

Workforce demographics

Working population
6,169
0.9% year-over-year change
White collar
5,380
Blue collar
789
Value Percent YoY change
White collar 5,380 87.2% -1.5%
Blue collar 789 12.8% 21.4%
Employer type
Self employees
14.6%
Private companies
57.6%
Governmental workers
18.4%
Not for profit companies
9.4%
Value Percent YoY change
Self employees 902 14.6% 6.1%
Private companies 3,553 57.6% -0.8%
Governmental workers 1,135 18.4% 4.4%
Not for profit companies 579 9.4% -2.2%
Unemployment rate
2.6%
2.4% year-over-year change

Available workforce

The unemployment rate in Fernandina Beach stands at 2.6%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Fernandina Beach

How people get around in Fernandina Beach

In Fernandina Beach, the average commute time is 22 minutes. Commuting methods vary: 81% of residents travel by personal vehicle and 1% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
22 min
Means of transportation
Value Percent YoY change
Car 4,967 81% 2.6%
Motorcycle 12 0.2% 71.4%
Bicycle 22 0.4% -8.3%
Walk 63 1% 34.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Fernandina Beach by zipcode?

Zipcode Population Number of households Median income Average income
32034 41,029 18,494 $98,583 $137,029

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FAQs about Fernandina Beach demographics 

What is the total population of Fernandina Beach?

Fernandina Beach has a total population of 13,420 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.4% compared to a year ago.

What is the gender ratio in Fernandina Beach?

The gender ratio in Fernandina Beach is as follows:
  • 49.8% males (6,682 residents)
  • 50.2% females (6,738 residents)

What is the median age in Fernandina Beach?

The median age in Fernandina Beach is 58.6.

What is the age distribution of the population in Fernandina Beach?

The age distribution in Fernandina Beach is as follows:
  • Under 15: 9.1% (1,224 residents)
  • Ages 15-24: 6% (806 residents)
  • Ages 25-44: 18.2% (2,445 residents)
  • Ages 45-64: 28.9% (3,876 residents)
  • Over 65: 37.8% (5,069 residents)

What is the racial and ethnic makeup of Fernandina Beach?

The racial and ethnic makeup of Fernandina Beach is as follows:
  • White: 84.8% (11,376 residents)
  • Black or African American: 8.3% (1,113 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0.4% (59 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 5.7% (767 residents)
  • Other: 0.8% (105 residents)

What percentage of the population in Fernandina Beach are U.S.-born citizens?

U.S.-born citizens represent 92.2% of the population in Fernandina Beach.

How many housing units are there in Fernandina Beach?

There are 8,168 housing units in Fernandina Beach, reflecting a +0.8% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Fernandina Beach and what is the average household size?

Fernandina Beach has a total of 6,464 households, with an average of 2 people in each.

What is the median household income in Fernandina Beach?

Fernandina Beach has a median household income of $97,903, representing a +5.8% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Fernandina Beach?

The employment rate is 97.4% in Fernandina Beach, with a workforce of 6,169 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 87.2% (5,380 residents)
  • Blue-collar workers: 12.8% (789 residents)

Places of employment:
  • Self-employed: 14.6% (902 residents)
  • Private companies: 57.6% (3,553 residents)
  • Governmental workers: 18.4% (1,135 residents)
  • Not-for-profit companies: 9.4% (579 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025