Cost of living in Fernandina Beach, FL

The median home value in Fernandina Beach, FL is $609,043 as of 2026-04. That places Fernandina Beach above the US average for housing cost, with a cost index of approximately 172 versus a national baseline of 100.

Over the past 12 months, the median home value in Fernandina Beach has fallen 2.1%, and over the past five years it has averaged +6.8% annual growth. The current price sits -3.1% from its 5-year peak in 2024-05.

Renters pay a median of $2,383 per month in Fernandina Beach. Rents have changed +11.0% over the last year and averaged +9.2% per year over five years.

Beyond housing, day-to-day costs in Fernandina Beach are shaped by state and local taxes, utility rates, transportation, and groceries. This page focuses on the housing component, which is the largest single line in most household budgets and the easiest to compare across cities using consistent national data.