The median home in Fernandina Beach, Florida is valued at $591,276, down 2.9% year over year. Typical monthly rent is $2,059, producing a price-to-rent ratio of 23.9x — well above the national average of 18x. Fernandina Beach is part of the Jacksonville, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$591,276
-2.9%
Rent$2,059/mo
AFFORDABILITYRenting $1,705/mo cheaper ($2,059 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.
Enter your income for Fernandina Beach.
$118,255 on $591,276
Out of reach — 60.2% of income
Need $161,314/yr to afford.
PITI$3,764
P/I60.2%
Afford$275K
Gap-$316K
P&I $2,990Tax $424Ins $350
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Jacksonville, FL analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Jacksonville, FL metro.
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