Cost of Living in Fernandina Beach, FL
Population 13,239 · Florida · Data vintage 2023
(100 = US avg)
With a median age of 58, Fernandina Beach functions largely as a retirement market. Housing costs — $484,000 for a typical home — anchor most household budgets, and the state's treatment of pension income tends to matter more than wage-driven tax comparisons. The labor market has been unusually tight, with unemployment around 2.6% — below most comparable cities in the state.
Fernandina Beach is about 25 miles northeast of Jacksonville, the nearest large metro — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 82% higher than Jacksonville's $266,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Fernandina Beach
The median home value in Fernandina Beach is $483,700 — 59% above the national median of $305,000. Median rent runs $1,581/month, 20% higher than the national median of $1,314/month. The median household income of $92,535/year is 24% higher than the US median of $74,580. The local unemployment rate is 2.6%, below the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 76.4°F and lows of 59.1°F. Overall, Fernandina Beach has a cost of living index of 143 versus the US average of 100, meaning it is 43% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 62 | 65 | 70 | 76 | 82 | 86 | 89 | 89 | 85 | 79 | 71 | 65 |
| Low °F | 43 | 45 | 51 | 57 | 65 | 71 | 74 | 74 | 71 | 62 | 52 | 46 |
| Precip" | 2.83 | 2.82 | 3.31 | 2.77 | 3.71 | 6.29 | 4.58 | 6.53 | 5.20 | 4.39 | 1.68 | 3.06 |
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Fernandina Beach, FL?
Fernandina Beach has a cost index of 143 (100 = national average). It is 43% above the national average.
What is average rent in Fernandina Beach, FL?
The median gross rent in Fernandina Beach is $1,581 per month based on 2023 Census data.
What is the average home price in Fernandina Beach?
The median home value in Fernandina Beach is $483,700 according to Zillow and Census data.
What is the median income in Fernandina Beach?
The median household income in Fernandina Beach is $92,535 per year (2023 ACS 5-year estimates).
What is the sales tax in Fernandina Beach, FL?
The combined state and local sales tax rate in Fernandina Beach is 7.0%. Florida has no state income tax.
Is Fernandina Beach, FL affordable?
Fernandina Beach is above average in cost of living, with an index of 143 — about 43% higher than the national average.
What is the weather like in Fernandina Beach?
Fernandina Beach has average high temperatures of 76.4°F and average lows of 59.1°F. Annual precipitation is 47.2". Data from NOAA 1991–2020 Climate Normals.
Fernandina Beach at a Glance
- Population
- 13,239
- Median Income
- $92,535
- Home Value
- $483,700
- Median Rent
- $1,581/mo
- Unemployment
- 2.6%
- Avg High Temp
- 76.4°F
- Sales Tax
- 7.0%
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Florida Rankings
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