Fernandina Beach city, Florida Demographics & Population 2026

Population Overview

Fernandina Beach city is a small city located in Florida. The total population is 13,239. It ranks as the 287th most populous out of 953 cities and towns in Florida.

Age Demographics

The median age in Fernandina Beach city is 58.3 years. This is 37% higher than the state median of 42.6 years. Only 9.6% of residents are under 18, indicating fewer families with children. 15.3% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.

Economy, Income & Housing

The median household income in Fernandina Beach city is $92,535. This is 29% higher than the state median of $71,711. Compared to the national median of $78,538, household income here is 18% higher. The poverty rate stands at 8.7%. This is 31% lower than the state poverty rate of 12.6%. The unemployment rate is 2.6%. This is 46% lower than the state rate of 4.8%. The median home value is $483,700. Housing costs are 49% higher than the state median of $325,000. The home-value-to-income ratio is 5.2x. 78.7% of occupied housing units are owner-occupied. This homeownership rate is 17% higher than the state average of 67.3%.

Race & Ethnicity

The largest racial or ethnic group in Fernandina Beach city is White (non-Hispanic), making up 80.5% of the population. Hispanic or Latino residents account for 10.1%. The White (non-Hispanic) population is significantly higher than the state average (80.5% vs 51.4%). The Black or African American population (7.3%) is well below the state average of 14.8%. The Hispanic or Latino population (10.1%) is well below the state average of 26.8%. The Asian population (1.1%) is well below the state average of 2.8%.

Education

51.1% of residents aged 25 and older hold a bachelor's degree or higher. This is 54% higher than the state rate of 33.2%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 97.1%. Notably, 19.4% of adults hold a graduate or professional degree, indicating a highly educated workforce.

Data Sources & Methodology

All demographic data for Fernandina Beach city, Florida is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against Florida state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 953 Census-designated places in Florida. For official data, visit data.census.gov.