Fernandina Beach, Florida Demographics & Population 2026

Population Overview

Fernandina Beach is a small city located in Florida, within Nassau County. The total population is 13,420. It ranks as the 288th most populous out of 955 Census-designated places in Florida.

Age Demographics

The median age in Fernandina Beach is 58.6 years. This is 38% higher than the state median of 42.6 years. Only 11.5% of residents are under 18, indicating fewer families with children. 16.3% 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 is $97,903. This is 31% higher than the state median of $74,568. It is also 21% higher than the national median of $80,734. The poverty rate stands at 11.3%. This is 10% lower than the state poverty rate of 12.6%. The unemployment rate is 2.6%. This is 45% lower than the state rate of 4.8%. The median home value is $555,400. Housing costs are 55% higher than the state median of $359,000. The home-value-to-income ratio is 5.7x. 80.5% of occupied housing units are owner-occupied. This homeownership rate is 19% higher than the state average of 67.6%.

Race & Ethnicity

The largest racial or ethnic group in Fernandina Beach is White (non-Hispanic), making up 80.0% of the population. Hispanic or Latino residents account for 10.2%. The White (non-Hispanic) population is significantly higher than the state average (80.0% vs 50.4%). The Hispanic or Latino population (10.2%) is well below the state average of 27.4%. The Asian population (0.4%) is well below the state average of 2.9%.

Education

53.3% of residents aged 25 and older hold a bachelor's degree or higher. This is 56% higher than the state rate of 34.2%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 96.5%. Notably, 20.9% of adults hold a graduate or professional degree, indicating a highly educated workforce.

Data Sources & Methodology

All demographic data for Fernandina Beach, Florida is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Florida state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 955 Census-designated places in Florida. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.