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Place dossier plate
SheetFL-FERNANDINA-BEACH-FL · Fernandina Beach, FL 13,239 pop · income 73rd pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Fernandina Beach
Lowest/highest poles plus peers nearest Fernandina Beach on median household income. Full ladder: /browse and /rankings.
median HH income
Connersville · lowest
45,679
Connersville · lowest
45,679 median HH income
31.6% of the leader · rank #1
Lancaster · near
92,525
Lancaster · near
92,525 median HH income
63.9% of the leader · rank #2
Fernandina Be… · this city
92,535
Fernandina Be… · this city
92,535 median HH income
63.9% of the leader · rank #3
Sierra · near
92,543
Sierra · near
92,543 median HH income
63.9% of the leader · rank #4
Wharton · near
92,548
Wharton · near
92,548 median HH income
64.0% of the leader · rank #5
Ora · near
92,550
Ora · near
92,550 median HH income
64.0% of the leader · rank #6
Accokeek · highest
144,719
Accokeek · highest
144,719 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Fernandina Beach on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 13,239.
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
73rd
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. The typical household in Fernandina Beach brings in $92,535 a 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 $1,526 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 75.7 out of 100 for natural-hazard exposure (High).
A decision-led reading path
Useful questions to ask of Fernandina Beach's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from population change to work and mobility to climate and hazard context to schools and households to comparison shortlist to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Fernandina Beach, city-specific coverage includes matched public-school count, annual population history, local building permits, commute-mode shares.
No matched row is reported here for FBI reported-crime rates, within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
Is Fernandina Beach growing, shrinking, or holding steady?
Census PEP estimates show the population grew by +768 residents from 2020 to 2025, a +5.9% change. Separately, Census BPS recorded 80 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
What does the journey to work look like in Fernandina Beach?
Driving alone is the largest reported mode at 74.6%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
What physical conditions frame life in Fernandina Beach?
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
NOAA normals put the annual mean temperature at 70.0°F, with 49.9 inches of precipitation. FEMA's state-averaged National Risk Index score for Florida is 75.7 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
Which cities make useful reference points for Fernandina Beach?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
Within Florida, the closest population matches are Callaway (13,297 residents, $69,388 income); Olympia Heights (13,179 residents, $107,381 income); South Daytona (13,322 residents, $54,931 income). Outside the state, the closest population matches in this dataset are Connersville, IN (13,241 residents); Star, ID (13,231 residents); Huntington, VA (13,250 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Schools and households
What does the education layer cover for Fernandina Beach?
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
The NCES join finds 6 public schools within the city match. 51.1% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
Poverty estimate
4.5%
Bachelor's degree+
51.1%
Matched public schools
6
NCES Common Core of Data school locations plus Census ACS resident characteristics.
How far does income reach against housing in Fernandina Beach?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
The home-value-to-income reference is comparatively stretched: the ACS median home value is 5.2 times median household income. The ACS poverty estimate is 4.5%, which keeps the citywide median from describing every household.
Value / income
5.2×
Home value
$483,700
Household income
$92,535
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
Above median income · poverty 4.5% (Below-median poverty)
Cost of Living Index (state)
103.4 (US=100)
Above-average cost · BEA RPP 2024, Florida average
C+
City profile score · Fernandina Beach, FL
62/100
4 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share A
51.1%
Adults with a bachelor's degree or higher; ACS.
Household income B
$92,535
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate B-
4.5%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living F
103.4 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Fernandina Beach profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 85/100 (A) · 51.1%
Household income: 72/100 (B) · $92,535
Poverty rate: 69/100 (B-) · 4.5%
Cost of living: 25/100 (F) · 103.4 index
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 income73% higher than other cities
Home value84% pricier than other cities
Median rent73% 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
Each percentile compares Fernandina Beach against every qualifying US city; each in-state rank narrows that to Florida only. Full formula and direction notes: methodology.
Florida-relative analysis
Median Gross Rent places Fernandina Beach near the bottom of Florida's cities
Among the 930 Florida cities PlainCities tracks with reported median gross rent data, Fernandina Beach ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Fernandina Beach only against its own state's cities, not the full US field.
Median Household Income
#204 of 903
77th percentile in Florida
Median Gross Rent
#1 of 930
0th percentile in Florida
Median Home Value
#154 of 894
83rd percentile in Florida
Poverty Rate
#665 of 930
28th percentile in Florida
Bachelor's Degree or Higher
#127 of 930
86th percentile in Florida
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Florida only, not a livability score. See the methodology for the source and calculation.
Gauge source note
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+)
$483,70016th percentilemore affordable than 16% of 15,600 US cities
Show national distribution
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
ACS median home value divided by median household income.
Band
pressured
> 5.0×
National rank
#13,221 of 15,516
More affordable than 15% of tracked cities (pop. 1,000+)
Size class
#2,715 of 3,317
Small cities (10,000–49,999)
At 5.2×, Fernandina Beach sits in the pressured band:
national rank #13,221 of 15,516 and #2,715 of 3,317small cities (10,000–49,999).
Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$92,535Fernandina Beach, FL median household income (Census ACS)
Show U.S. national quintile / Lorenz context Fernandina Beach, FL median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Fernandina Beach, FL.
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
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Fernandina Beach's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
13,101 residents
2021
13,317 residents
2022
13,425 residents
2023
13,693 residents
2024
13,722 residents
2025
13,869 residents
Housing Supply
BPS source
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
Single-Family
Multifamily
Est. Value
2019
165
165
0
$36.8M
2020
124
124
0
$31.9M
2021
131
131
0
$38.7M
2022
131
131
0
$54.4M
2023
75
75
0
$52.3M
2024
80
80
0
$37.4M
Permit volume decreased 52% from 2019 to 2024.
Commute Patterns
Commute source
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
Florida statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Florida at $225 (electricity about $145 , water and sewer about $55 ).
These are Florida statewide averages, not a meter reading for Fernandina Beach. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Florida's BEA cost-of-living index is 103.4 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Fernandina Beach is $1,526/mo. FEMA's National Risk Index, averaged to Florida statewide on PlainCities, rates natural-hazard exposure at 75.7 / 100 (High).
Cost/risk geography note
Cost of living is a Florida statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Fernandina Beach sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Fernandina Beach compares to similar-size Florida cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
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.