City Of Fernandina Beach
Homes for Sale in Fernandina Beach, FL

Community in Fernandina Beach · Nassau County · ZIP 32034
2,006 homesBuilt 1883–2024Median sale $590K
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Live Market Pulse
41/100
Market Heat
Near its long-run normal
2020 → 2026 · 76 at the 2020 peak
0 is City Of Fernandina Beach's coldest market since 2020, 100 its hottest. Today: 41. How it's scored
Built fromLive realMLS data6 years of closingsFL DOR public recordsUpdated twice daily
Live · City Of Fernandina Beach Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Price
$590K
Median sold · 12 mo
down 3.1% vs the prior 12 months
-3.1%
1-yr price change
n = 18 and 37 sales in the two windows
$473/sf
Sold $/sqft · 12 mo
peak $473 in 2026
92.2%
Sale vs ask
Tempo
43days
Median DOM · closed
19 days at the 2020 low
18
Sold · last 12 mo
10-yr average: about 20 a year
Ownership and context
52%
Owner-occupied · City Of Fernandina Beach
1111 of 2121 parcels homesteaded (FL DOR 2025)
48%
Non-owner-occupied · City Of Fernandina Beach
incl. 19% trust or LLC-held · 19% out-of-state
50%
Cash buyers · City Of Fernandina Beach
15 of 30 sales, 12 mo ending July 2025
2,006
Homes in the community
plus 115 vacant residential lots · 2121 residential parcels (FL DOR 2025)
Track record · 6 years of records
Est. 1883
Community established
homes built 1883-2024, median 1977 (FL DOR 2025)
10
Failed listings · 2026
peaked at 44 in 2024
1,396sqft
Median sold home size
12-mo windows, closed sales
0.9%/yr
Turnover rate
about 18 of 2006 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Price here is driven by condition and location, not square footage alone. With a median build year of 1977 and a housing stock that stretches all the way back to 1883, you are buying into a market where a restored older home and a tired one can wear the same address and trade at very different numbers. At a median of $590,000 and roughly $473 per square foot on a median home just under 1,900 square feet, the per-foot figure tells you land and place carry real weight — you are paying for the barrier-island location, not a large floor plan.

The current posture is balanced, leaning cautious. A market heat score of 41 and a median 43 days on market say this is not a bidding-war environment; homes sit long enough for a deliberate buyer to inspect, negotiate, and walk away. The year-over-year median is down 3.1%, so sellers should price to the current market rather than last year's, and buyers have room to be selective on condition without feeling rushed.

City Of Fernandina Beach Housing Pulse · Momentum Research · as of July 11, 2026

City Of Fernandina Beach right now

🟡 Off the recent peak. The trailing-12-month median ($590K) is down 3.1% from the prior 12 months ($609K). With about 20 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 11. Confidence: High (18 and 37 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

Updated July 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

City Of Fernandina Beach market snapshot (as of July 11, 2026): the median sale price is about $590K ($473 per sq ft over the trailing 12 months of closed sales), and a median 43 days on market for closed sales. The trailing-12-month median is down 3% from the prior 12 months, computed from record-level realMLS closed sales (18 closings in the current window).

City Of Fernandina Beach is a community of 2,006 homes in Fernandina Beach, Nassau County, built between 1883 and 2024 (median 1977), with a median living area of about 1,829 square feet. 52% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

This is a small, slow-turning coastal market — 18 closings in the window against just over 2,000 homes — where age and condition of the individual property matter more than any neighborhood-wide trend. Just over half of homes carry a homestead exemption, so a meaningful share are held as primary residences rather than pure investment or rental stock.

Windows contain 3 to 37 sales each (18 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$300K$400K$500K$600K2020202220242026
Down 3.1% year over year.
Every sale since 2020 · price vs size
$0$1M$2M5k10k
141 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$200$300$400$5002020202220242026
Up from $198 in 2020 to a $473 peak in 2026; $473 now.
Median days on market · closed sales
2040602020202220242026
19 days at the 2020 low; 43 now.
Sale price vs original ask · median
90%95%100%2020202220242026
92.2% now.
Homes sold per 12-mo window
01020302020202220242026
3 to 37 a year; 18 in the current window.
Sellers who gave up · failed listings per year
020402020202220242026
Canceled, expired, or withdrawn. 44 quit in 2024; 10 so far in 2026. The clearest stress gauge a community has.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2020202220242026
76 at the 2020 peak, 30 in the troughs, 41 now. Same score as the hero card, full history.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,540/mo
Nassau County typical true cost to own
$97/mo
Nassau County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

25% of homes for sale in ZIP 32034 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-10).

An old housing stock on an island lot

The spread between 1883 and 2024 build years is the whole story. Fernandina Beach has genuine historic housing alongside newer construction, and the median year of 1977 means most homes here have some age on them. That translates directly into inspection risk and renovation opportunity: roof, systems, and — given the coastal setting — insurance and elevation questions should shape every offer. The median $473 per square foot reflects a place premium, not a size premium, since the median home sits just under 1,900 square feet.

Because turnover is low, comparable sales are thin and each closing carries more weight than it would in a high-volume market. That makes pricing more of a judgment call than a formula, and it rewards patience on both sides. A 43-day median means well-prepared listings move at a reasonable pace while overpriced or deferred-maintenance homes tend to linger.

Why work with Momentum here

In a thin, condition-driven market, the wrong comp can cost you tens of thousands. We read each closing on its merits — age, updates, and location — instead of leaning on a broad median, and we build offers and list prices around the real state of the specific home. With older coastal stock, our inspection and negotiation work is where the value shows up.

City Of Fernandina Beach in 15 seconds.

Best forDeliberate buyers who want a coastal primary residence and will underwrite condition carefully.
Biggest advantageA slow, balanced market gives you time to inspect and negotiate.
Biggest riskAn aging housing stock means real renovation, insurance, and roof/systems exposure.
Sweet spotAn updated home near the median where condition is already handled.
Avoid ifYou need a fast close or a large, move-in-ready new-build floor plan.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed City Of Fernandina Beach sales matched to your home.

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Frequently Asked Questions

What is the median home price in City Of Fernandina Beach?
The median sale price in City Of Fernandina Beach was $590K over the 12 months ending July 11, 2026 (18 closed sales, realMLS).
How long do homes in City Of Fernandina Beach take to sell?
Homes that closed in the 12 months ending July 11, 2026 took a median 43 days on market (18 sales, realMLS).
How many homes are in City Of Fernandina Beach?
The Florida DOR 2025 assessment roll shows 2,006 homes plus 115 vacant residential lots in City Of Fernandina Beach (public records).
What share of City Of Fernandina Beach is owner-occupied?
52% of City Of Fernandina Beach parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in City Of Fernandina Beach built?
Homes in City Of Fernandina Beach were built between 1883 and 2024, with a median year built of 1977 (FL DOR 2025 roll).
Do cash buyers compete in City Of Fernandina Beach?
Cash buyers took 50% of City Of Fernandina Beach sales in the 12 months ending July 2025 (15 of 30 closings, realMLS).
Who is the best real estate agent for City Of Fernandina Beach?
The best agent for City Of Fernandina Beach is one who actively works Fernandina Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for City Of Fernandina Beach.
How do I find a top Fernandina Beach real estate agent who knows City Of Fernandina Beach?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows City Of Fernandina Beach and the wider Fernandina Beach area.
Can Momentum Realty connect me with an agent for City Of Fernandina Beach?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your City Of Fernandina Beach purchase or sale - no call center and no pressure.
Buyers seeking a primary coastal residence around the mid-$500s to low-$600s who value location over square footageExcellent fit
Renovation-minded buyers willing to price and manage the work on an older homeExcellent fit
Patient buyers who want time to inspect and negotiate rather than compete in a rushExcellent fit
Buyers who need a quick, competitive close and can't wait out a ~43-day marketProbably not
Buyers wanting a large, brand-new floor plan at a low per-square-foot costProbably not
Investors expecting rapid appreciation or quick flips in a low-turnover marketProbably not

Data sources & freshness

Community market statsrealMLS closed sales, 12-month windows ending July 11, 2026
Housing stock & ownershipFlorida DOR 2025 assessment roll (street-list match (22 streets, ZIP 32034/32097))
Under-contract sharesrealMLS records, as of 2026-07-10
Historical depthClosed-sale records back to 2020 (141 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

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