32034 (Fernandina Beach)
Housing Market & Home Values
Median sale price $438,408, down 0.1% year over year, with homes going under contract in about 53 days, 222 homes on the market.
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Housing Market Analyst
Inventory sits at 10.8 months of supply — heavy by the 3-to-6-month balanced benchmark, and 23% of listed homes are already under contract. Prices are down 0.1% versus the prior year, but sellers are still collecting 95.2% of asking. Taken together, the data leans toward buyers — leverage is real for those ready to use it.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors buyers.
- Prices — heavy supply keeps the pressure on sellers; softening is the path of least resistance.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 23% of inventory sits under contract.
- Mortgage sensitivity — at 5.4× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current 32034 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
Where 32034 is hot — and where it isn't
Each dot is a community (73 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 32034 (Fernandina Beach)
The median sale price across 32034 currently stands at $438,408, down 0.1% from a year ago. Buyers are paying a median of $200 per square foot. The typical home goes under contract in about 53 days. Sellers are capturing 95.2% of their original asking price on average.
There are 222 active listings on the market, with 75 more already under contract. At the current sales pace that works out to 10.8 months of supply — a buyer-leaning market by the standard six-month benchmark. 503 homes closed here over the trailing 12 months.
Zillow's home value index for Nassau County stands at $482,579. About 27% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 32034 is 42 of 100 — buyer's opportunity territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 5, 2026.
32034 since 2012 — and where it’s heading
A median home here sold for $155,335 in 2012 and $466,910 over the last recorded year — 201% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (11,830 recorded sales)
Days on market by year
Home value trend · Nassau County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Nassau County (MLS)
Median price · daily recalculation
What’s driving 32034
Top inbound states: GA, SC, CA, NC. Movers arriving report ~$143,143 average income. Source: IRS SOI county-to-county migration, 2022-2023
389 Citizens policies in force in Nassau County — the state-backed insurer of last resort. Budget insurance into any Nassau purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
887 single-family · 173 multi-family · 11.2 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in 32034 right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
Buyers: ask for concessions — rate buydowns and repair credits are back on the table. Sellers: presentation and the first two weekends decide your outcome; price accordingly.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Nassau
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 32034 ← this page | $438K | 222 | 42 | |
| 32097 | $449K | 148 | 58 | Open → |
| 32009 | $338K | 37 | 35 | Open → |
| 32046 | $290K | 28 | 52 | Open → |
| 32011 | $306K | 8 | 59 | Open → |
Neighborhoods on the move
| Amelia IslandFernandina Beach | $1.35M | ▲ 51% |
| Sherwood ForestJacksonville | $175K | ▲ 25% |
| Fernandina BeachFernandina Beach | $625K | ▲ 20% |
| Ocean ForestJacksonville Beach | $874K | ▲ 17% |
| Oyster Bay HarborsFernandina Beach | $1.10M | ▲ 9% |
| Holly PointFernandina Beach | $230K | ▼ 53% |
| Isle Of PalmsJacksonville | $675K | ▼ 22% |
| City Of Fernandina BeachFernandina Beach | $522K | ▼ 14% |
| Summer HousePonte Vedra Beach | $206K | ▼ 14% |
| Amelia LakesFernandina Beach | $198K | ▼ 14% |
| TributaryYulee | $456K | 28 |
| Oak HillJacksonville | $215K | 26 |
| The ArborsJacksonville | $345K | 24 |
| Sherwood ForestJacksonville | $175K | 15 |
| Amelia NationalFernandina Beach | $760K | 14 |
| Amelia IslandFernandina Beach | $1.35M | 10 days |
| Summer BeachFernandina Beach | $1.03M | 11 days |
| City Of Fernandina BeachFernandina Beach | $522K | 14 days |
| Oyster Bay HarborsFernandina Beach | $1.10M | 17 days |
| Ocean ForestJacksonville Beach | $874K | 22 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 32034 right now?
The data says conditions currently favor buyers in 32034 — the Momentum Score reads 42/100 with 10.8 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 32034 becoming more affordable?
Yes, modestly — the median sale price in 32034 is $438,408, down 0.1% versus the prior year, while sellers still capture 95.2% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 32034?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Holly Point (-53%); Isle Of Palms (-22%); City Of Fernandina Beach (-14%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 32034 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Amelia Island (10 days); Summer Beach (11 days); City Of Fernandina Beach (14 days) — homes there go under contract well ahead of the market-wide pace of 53 days.
Momentum Realty in Fernandina Beach 32034: our agents closed 5 homes here for buyers and sellers in the last 12 months (3 as the listing brokerage, 2 representing the buyer), median sale $699,900 (brokerage closed records through October 2026). Find the right Momentum agent in Fernandina Beach →
32034 (Fernandina Beach) housing market FAQ
How is the housing market in 32034 right now?
As of October 5, 2026, the 32034 housing market favors buyers: the median sale price is $438,408 (down 0.1% year over year), 222 homes are for sale against 503 sales in the last 12 months, which is 10.8 months of supply, and the typical home goes under contract in about 53 days.
How much is a house in 32034?
The median home sold for $438,408 in 32034 over the last 12 months, about $200 per square foot; asking prices on the 222 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in 32034?
By the numbers, sellers in 32034 are getting 95.2% of asking price and going under contract in about 53 days with 10.8 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the 32034 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 32034 median sale prices are down 0.1% year over year, inventory stands at 10.8 months of supply, and 23% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in 32034?
The median sale price in 32034 is currently $438,408, down 0.1% from a year ago, based on MLS sales data updated October 5, 2026.
Is 32034 a buyer's or seller's market right now?
The data currently favors buyers. 32034 scores 42 of 100 on the Momentum Score, with 10.8 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 32034?
The typical home in 32034 goes under contract in about 53 days, per current MLS data.
How many homes are for sale in 32034?
There are approximately 222 active listings in 32034 as of October 5, 2026.
Are home prices in 32034 rising or falling?
Median sale prices are down 0.1% year over year based on a rolling comparison of MLS sales.
How many homes has Momentum Realty sold in Fernandina Beach 32034?
Momentum Realty's agents closed 5 homes in Fernandina Beach 32034 for buyers and sellers in the last 12 months (3 as the listing brokerage, 2 representing the buyer), median sale $699,900 (brokerage closed records through October 2026). The count is our brokerage's own closed transactions and is refreshed nightly; it is not a market total.
Momentum agents use this intelligence every day to price listings and write winning offers across 32034 (Fernandina Beach). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: October 5, 2026 at 1:44 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.