Nassau County · Jacksonville · population 13,672
Where Fernandina Beach stands
Rents up 11.0% in the last year.
Home value trajectory · last 10 years
Zillow ZHVI · monthlyLifestyle scores
Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.
Rent trajectory · last 5 years
Zillow ZORI · monthlyHome value vs rent · indexed to 100
Both rebased at first month of ZORI data (~2015)Rent vs buy
At a 21.3 price-to-rent ratio, the math is starting to lean toward renting in Fernandina Beach. Owner-occupier ROI requires longer holds and the assumption that prices keep appreciating roughly at the rate of rent.
How the momentum score breaks down
methodology →Fernandina Beach has held up across the cycle: home values at $609,043 with +6.8% 5-year CAGR. The bull case is structural — population, location, employer base — and holds even if next year's print is soft.
Fernandina Beach is in a state where home insurance costs have doubled, climate risk repricing is still in progress, and the buyer pool is constrained by both. The bear case writes itself and is currently winning.
About Fernandina Beach
Fernandina Beach is a city in Nassau County, Florida, with an estimated population of 13,672. It anchors the Jacksonville metro area. The population grew 1.2% annually from 2020 to 2024, a moderate gain. The median home value in Fernandina Beach is $609,043 as of 2026-04, down 2.1% over the last 12 months. Over the last five years, home values have averaged +6.8% annual growth (-3.1% from the 5-year peak). Rents in Fernandina Beach average $2,383 per month, up 11.0% year-over-year. The composite momentum score is 66 of 100 (Rising). The market is healthy with prices supported by underlying demand.
▲ Bull case
▼ Bear case
Playbook
You're not in a frenzy but you're not getting bargains either. Make a competitive offer with normal inspection terms. Don't lowball — the listing will move with or without you.
Price at fair market value; expect movement in 30-45 days. Don't get clever with terms (rent-back, contingencies) — buyers in a Rising market have options.
Appreciation tailwind exists but cash flow requires discipline on price. Run the numbers conservatively and confirm rent comps before committing.
Local safety & alerts
No active National Weather Service alerts for Nassau County right now.
Public-safety links are official .gov sources, not curated by us. Nassau County routes NWS alerts; check the state EM portal for non-weather emergencies.
Cities like Fernandina Beach
Run the numbers for Fernandina Beach
Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.
Climate & natural-disaster risk
State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.
Local sports teams
Major professional teams the Jacksonville area cheers for. Detailed stats, schedules, and player pages on intherafters.com.
Current weather
Find rentals & listings
Open current Fernandina Beach listings on the major real-estate sites.
Links open the live search on the destination site — results are always current.
Local economy & environment
Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.
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