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.

Home Value$591,276

-2.9%

Rent$2,059/mo

Prices falling — better for buyers.

Affordability

Enter your income for Fernandina Beach.

Income (annual)

Down Payment

$118,255 on $591,276

Example: $75,000 household income. Change it above to see your own.

Out of reach60.2% of income

Need $161,314/yr to afford.

PITI$3,764

P/I60.2%

Afford$275K

Gap-$316K

P&I $2,990Tax $424Ins $350

Renting $1,705/mo cheaper ($2,059 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Fernandina Beach with other housing markets across Florida.

Jupiter Island$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

Full Jacksonville, FL analysis

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Fernandina Beach, FL