City profile · Florida · Census ACS 2023

Fernandina Beach, FL

Population, income, housing, safety, climate and schools for Fernandina Beach - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

13,239
Residents
$92,535
Median income
$483,700
Median home
$1,658
Median rent (state)

Fernandina Beach - the verdict

Out of every US city with 1,000+ residents, Fernandina Beach places in the 73rd percentile for household income. Source: Census ACS.

73rd
percentile, household income
84th
percentile, home value
66th
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Fernandina Beach, FL

Florida's Fernandina Beach is a small town, with 13,239 residents per the latest Census Bureau ACS figures. Median household income here is $92,535 per year, above the median for U.S. cities on this measure, with a poverty rate of 4.5%. Typical homes in Fernandina Beach are valued around $483,700, and the median resident age is 58.3 years. About 51.1% of adults hold a bachelor's degree or higher, while 50.3% of working-age residents are in the labor force.

In 2024, 80 residential building permits were authorized in Fernandina Beach (Construction Slowdown), down 52% from five years earlier, per Census BPS data. The annual average temperature per NOAA climate normals runs 70.0°F with 49.9 inches of precipitation per year.

Florida carries a cost-of-living premium: the state registers 103.4 on a 100-equals-national-average index (Above Average) per BEA Regional Price Parities 2024. A typical two-bedroom carries a HUD Fair Market Rent of $1,658 per month statewide. Monthly utility costs average around $225 across Florida, per EIA 2023 residential energy estimates. On FEMA's National Risk Index, this area rates 59.3 out of 100 for natural-hazard exposure (Moderate).

Population

13,239 residents

Census ACS 2023 - Florida

Median Household Income

$92,535 /yr

Poverty 4.5%

Cost of Living Index (state)

103.4 (US=100)

Above Average - BEA RPP 2024, Florida average

How does Fernandina Beach compare to other US cities?

Here's how Fernandina Beach stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.

Household income 73% higher than other cities
Home value 84% pricier than other cities
Median rent 66% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

For each metric we count every US city with population 1,000+ and a non-null value, then compute what share of them fall below Fernandina Beach's value: round(cities-below ÷ total × 100). Safety is inverted (percentile = share of cities with a higher crime rate) so a higher number always means safer. The in-state rank narrows that same crime-rate comparison to only the cities PlainCities tracks in Florida, breaking ties alphabetically. See the methodology page for the full source-to-figure lineage.

73rdIncome percentile

73rd percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Fernandina Beach's home value compares nationally

Median home value vs. every US city (population 1,000+)

$483,700 16th percentile more affordable than 16% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). Below this entry. $450,000–$475,000: 307 US cities (2%). Below this entry. $475,000–$500,000: 250 US cities (2%). This entry sits in this band. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Fernandina Beach $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Fernandina Beach, FL Fernandina Beach, FL's reported median household income shown against the U.S. national quintile-share pattern (not Fernandina Beach, FL-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Fernandina Beach, FL median $92,535/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Fernandina Beach, FL's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Fernandina Beach, FL. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 51.1%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 4.5%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 50.3%

Census ACS S2301, share of working-age residents in the labor force

Population
13,239
Median Income
$92,535
Median Home Value
$483,700
Median Age
58.3
Poverty Rate
4.5%
Labor force participation
50.3%
Bachelor's Degree+
51.1%

Climate

Avg Temperature
70.0°F
Annual Precipitation
49.9"
Annual Snowfall
0.0"

Schools

Total Schools
6
Public schools in this city

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
13,000 residents13,500 residents14,000 residents 202020212022202320242025 13,101 residents 13,869 residents ▲ +5.9%
Fernandina Beach's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

📉 Construction Slowdown
Total Permits (2024)
80
housing units authorized
Single-Family
80
detached homes
Multifamily
0
apartments & condos
Supply Intensity
6
permits per 1,000 residents

5-Year Permit Trend (2019–2024)

Year Total
2019 165
2020 124
2021 131
2022 131
2023 75
2024 80

Permit volume decreased 52% from 2019 to 2024.

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
74.6%
Carpool
4.8%
Public Transit
0.2%
Walk
0.8%
Work from Home
19.0%
Other
0.6%

Based on 6,102 workers 16 and over.

Monthly Utility Costs

State-average estimates for Florida - EIA 2023 residential energy data

Electricity
$145
avg/month
Natural Gas
$25
avg/month
Water & Sewer
$55
avg/month
Total Utilities
$225
estimated/month

Estimates reflect Florida state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Florida state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Fernandina Beach sits in

Cost of Living Index
103.4
Above Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,658/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
59.3 / 100
Moderate
FEMA NRI composite score (county)

Similar Cities in Florida

Callaway
13,297 people
Olympia Heights
13,179 people
South Daytona
13,322 people
Celebration
13,150 people
Cypress Lake
13,145 people
Conway
13,346 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Fernandina Beach's 13,239 residents (Census ACS 5-Year 2023).

Connersville, IN
13,241 people
Star, ID
13,231 people
Huntington, VA
13,250 people
La Grange Park, IL
13,227 people
Accokeek, MD
13,226 people
California, MD
13,223 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Fernandina Beach's $92,535 (Census ACS 5-Year 2023, table B19013).

Sierra, CA
$92,543 median income
Lancaster, NH
$92,525 median income
Wharton, NJ
$92,548 median income
Ora, IN
$92,550 median income
Richland, WA
$92,550 median income
Morro Bay, CA
$92,553 median income

Race & Ethnicity Composition

Race and ethnicity - Fernandina Beach, FL Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Fernandina Beach, FL - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 85.5% 7.3% ETHNICITY, Hispanic or Latino (any race) 10.1% White 85.5% Black or African American 7.3% Asian 1.1% American Indian 0.0% Native Hawaiian 0.0% Some other race 0.2% Two or more races 5.8% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Fernandina Beach compares to nearby Florida cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Fernandina Beach (this city) 13,239 $92,535
Callaway 13,297 $69,388
Olympia Heights 13,179 $107,381
South Daytona 13,322 $54,931
Census ACS 5-year FIPS FL NOAA Normals NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Fernandina Beach, FL?

What is the population of Fernandina Beach, FL? +

Fernandina Beach, FL has a population of 13,239 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Fernandina Beach, FL? +

In Fernandina Beach, the typical household earns $92,535 per year, based on Census ACS 2023 data.

What is the cost of living in Fernandina Beach? +

BEA does not publish a city-level cost-of-living figure for Fernandina Beach; the closest available measure is the Florida state average, a cost of living index of 103.4 (U.S. average = 100), rated "Above Average" based on BEA Regional Price Parities 2024 data. Costs within Florida vary by metro area.

What is the median home value in Fernandina Beach, FL? +

Homes in Fernandina Beach carry a median value of $483,700, according to Census ACS 2023 estimates.

What is the climate like in Fernandina Beach? +

Fernandina Beach has an average annual temperature of 70.0°F, 49.9 inches of precipitation. Source: NOAA Climate Normals.

Source: U.S. Census Bureau ACS 5-Year 2023, NOAA Climate Normals, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.