Living in Fernandina Beach, Florida: The 2026 Data Guide
Fernandina Beach is in Nassau County, Florida (ZIP codes 32034, 32054). · Homes for sale in Fernandina Beach · Nassau County
As of 2026-09-06, the median home sold in Fernandina Beach, Florida over the last 12 months went for $619,000 (397 closings across 121 communities in Momentum’s MLS record), about $258 per square foot for a median 2,276-sq-ft home built around 2006. Homes currently listed have been on the market a median of 47 days, and with 217 active listings against that sales pace the city is carrying roughly 6.6 months of supply. Sellers have been getting about 96% of their original asking price. That median is 54% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Fernandina Beach
Three price points from 326 recent Fernandina Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $405,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,895 sq ft, built around 2015 (58 sales).
- Around $619,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,228 sq ft, built around 2008 (30 sales).
- Around $835,000: the typical sale in this band was a 3-bed, 3-bath home of about 2,535 sq ft, built around 2005 (33 sales).
The real monthly cost of owning in Fernandina Beach
Take the median $619,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $3,199/month. Nassau County’s typical total millage is 13.28 mills, so after the $50,000 homestead exemption the property tax is roughly $7,554/year ($629/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Nassau County is about $1,159/year; private-market quotes vary with roof age and wind mitigation. 52% of current Fernandina Beach listings carry an HOA, with a median of $88/month where one applies. All in, budget on the order of $4,013/month to own the median Fernandina Beach home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Nassau County property tax guide and our home insurance by county map.
Where people are buying: Fernandina Beach’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Crane Island | 60 | $443,295 | 68 |
| Amelia National | 44 | $759,500 | 47 |
| Amelia Walk | 38 | $618,700 | 70 |
| Flora Parke | 29 | $480,000 | 40 |
| North Hampton | 22 | $632,500 | 46 |
| Amelia Concourse | 15 | $477,000 | 42 |
| North End | 14 | $79,000 | 58 |
| Summer Beach | 14 | $1,032,500 | 16 |
Fernandina Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32034 (280 sales, median $570,950), 32097 (40 sales, median $414,995).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 74% were single-family homes, 6% townhomes or villas, and 18% condos. New construction accounted for 9% of closings, led by Amelia National. The housing stock skews newer: 41% of homes sold were built in 2015 or later and 7% before 1980.
Getting around from Fernandina Beach
Measured from the center of Fernandina Beach’s recent sales: Jacksonville International Airport (JAX) is about 13 miles; Downtown Jacksonville is about 21 miles; Brunswick is about 37 miles; St. Augustine is about 51 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Nassau County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Nassau County’s typical millage of 13.28; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Nassau County average of $1,159/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Fernandina Beach: the case for and against
What works in Fernandina Beach’s favor
- insurance is comparatively manageable here (Citizens average $1,159/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 54% above the statewide median in our coverage
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Fernandina Beach relocation toolkit
- Homes for sale in Fernandina Beach right now
- Cost of living in Fernandina Beach
- Best neighborhoods in Fernandina Beach
- New construction in Fernandina Beach
- Find an agent in Fernandina Beach
- Search every Fernandina Beach community
Common questions about moving to Fernandina Beach
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Sales figures are Momentum Realty’s MLS record of closings in Fernandina Beach communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Nassau County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.