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Florida real estate · Nassau County

Fernandina Beach, Florida Real Estate

Homes, values and local insight for Fernandina Beach, Nassau County, Florida. Typical home value $611,000.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
$611,000Typical home value
-0.3%Home values, past year
13,672Residents (2024)
$92,535Median household income
Homes for sale

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About Fernandina Beach

Fernandina Beach is a vibrant Florida community with unique character and charm.

The real estate market offers diverse options for homebuyers seeking various lifestyle preferences.

Winslow Homes serves {cfg['city']} buyers and sellers across FL, MA, CT, and RI. Ryan and Megan Winslow provide both brokerage and mortgage services (Ryan Winslow NMLS #2426605 | Megan Winslow NMLS #2692933). Get pre-approved at www.winslowloan.com or call 386-690-5858.

Market data

Fernandina Beach by the numbers

The typical home in Fernandina Beach is worth $611,000, 27% above the Nassau County typical value of $483,000 and 63% above the Florida typical value of $375,000.

Typical home value

$611,000

Zillow Home Value Index for Fernandina Beach, August 2026. The middle of the market for single family homes and condos.

5 year change

+26.9%

Home values in Fernandina Beach moved +26.9% over five years and +104.1% over ten.

Median rent

$1,581/mo

Median gross rent in Fernandina Beach. Useful for investors running rental numbers.

Homeownership

79%

Share of occupied homes in Fernandina Beach lived in by the owner.

Median year built

1988

A newer housing stock means fewer surprises at inspection.

Household income

$92,535

Median household income in Fernandina Beach.

Mortgage planning for a home in Fernandina Beach
Financing

Buying in Fernandina Beach with the right loan

Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Fernandina Beach home of $611,000:

  • FHA, 3.5% down: $21,372 down, loan of $589,000
  • Conventional, 5% down: $30,531 down, loan of $580,000
  • Conventional, 20% down: $122,000 down, loan of $488,000
  • VA, 0% down for eligible veterans, loan of $611,000
Selling

What is your Fernandina Beach home worth?

Ryan and Megan price Fernandina Beach homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Fernandina Beach
Nearby

Towns near Fernandina Beach

Nassau County

More in Nassau County

See the full Nassau County real estate guide or the Florida real estate guide.

FAQ

Common questions

What is the typical home value in Fernandina Beach, FL?

The Zillow Home Value Index for Fernandina Beach was $611,000 in August 2026, -0.3% over the past year.

What county is Fernandina Beach in?

Fernandina Beach is in Nassau County, Florida.

How many people live in Fernandina Beach?

About 13,672 people as of the 2024 Census Bureau estimate, up from 13,044 in 2020.

Who are the best real estate agents in Fernandina Beach?

Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.

How do I get pre-approved to buy in Fernandina Beach?

Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.

Do most people in Fernandina Beach own or rent?

79% of occupied homes in Fernandina Beach are owner occupied, based on the 2019 to 2023 American Community Survey.

Talk to Ryan and Megan

Ready to move in Fernandina Beach?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

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Coming soon in Fernandina Beach, FL

Get coming-soon homes, pocket listings and price drops in Fernandina Beach, FL before they hit the big home search sites.

Fernandina Beach home values by ZIP code

The typical home in Fernandina Beach is worth $615,581 as of August 2026 in ZIP code 32034. Values moved -0.4% over the last 12 months at the middle ZIP code.

ZIPTypical value12 months5 yearsMedian sale, Mar to May 2026Days on market
32034$615,581-0.4%+26.9%$647,50051

Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.