HomeFloridaNassau CountyFernandina Beach
Fernandina Beach, Florida: commercial real estate data.
Fernandina Beach is a Census city of 13,420 people across 11.84 square miles of land, in Nassau County. Median household income is $97,903, 80.5 percent of occupied homes are owned, and the SBA record carries 68 7(a) approvals to borrowers here worth $41.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fernandina Beach
What Fernandina Beach is
- Census place typecity
- Land area11.84 sq mi
- Water area0.79 sq mi
- Population per square mile of land1,133
- County holding the largest share of its areaNassau County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernandina Beach
How many people live in Fernandina Beach
- Population13,420
- Median age58.6
- Population under 181,540
- Share under 1811.5 percent
- Population 65 and over5,069
- Share 65 and over37.8 percent
- Households6,464
- Family households3,994
- Share of households that are families61.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernandina Beach
Income and work in Fernandina Beach
- Median household income$97,903
- Per capita income$65,868
- Civilian labor force6,337
- Employed6,169
- Unemployed168 plus or minus 124
- Unemployment rate2.7 percent plus or minus 1.9
- Adults 25 and over11,390
- Adults 25 and over with a high school diploma or higher96.5 percent
- Adults 25 and over with a bachelor degree or higher53.3 percent
- Adults 25 and over with a graduate degree20.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernandina Beach
Housing in Fernandina Beach
- Housing units8,168
- Occupied units6,464
- Vacant units1,704
- Vacancy rate20.9 percent
- Owner occupied5,202
- Renter occupied1,262 plus or minus 278
- Ownership rate80.5 percent
- Median owner-occupied home value$555,400
- Median gross rent, monthly$1,259 plus or minus $446
- Annual rent as a share of median income15.4 percent plus or minus 5.7
- Single family units6,137
- Share single family75.1 percent
- Units in buildings of two or more2,010 plus or minus 432
- Share in buildings of two or more24.6 percent plus or minus 5.1
- Mobile homes21 plus or minus 27
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernandina Beach
How Fernandina Beach gets to work
- Workers 16 and over who commute5,120
- Commuting under 15 minutes2,652
- Share commuting under 15 minutes51.8 percent
- Commuting 30 minutes or more1,167 plus or minus 287
- Share commuting 30 minutes or more22.8 percent plus or minus 5.3
- Drove alone74.9 percent
- Carpooled6.0 percent plus or minus 4.0
- Public transport0.0 percent
- Walked1.0 percent plus or minus 0.8
- Worked from home16.6 percent plus or minus 4.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernandina Beach
SBA loans in Fernandina Beach (7(a))
- Approvals68
- Gross approval$41,165,900
- Average approval$605,381
- Median approval$344,900
- Ninetieth percentile approval$1,421,100
- Largest approval$3,550,000
- Jobs supported608
- Jobs per approval8.9
- Loans with a final outcome16
- Paid in full16
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more38.2 percent
- Share to franchises14.7 percent
- Distinct lenders23
- Distinct industries by NAICS43
Counted by borrower city: approvals to borrowers whose address is in Fernandina Beach, in any county, FY2020 to FY2026. Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fernandina Beach
SBA loans in Fernandina Beach (504)
- Approvals31
- Gross approval$17,494,000
- Average approval$564,323
- Median approval$371,000
- Largest approval$2,179,000
- Jobs supported153
- Loans with a final outcome13
- Charged off1
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Fernandina Beach, in any county, FY2010 to FY2026. Only 13 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Fernandina Beach
Flood risk in Fernandina Beach
- NFIP communityCity of Fernandina Beach
- NFIP community number120172
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date08/02/17
The City of Fernandina Beach participates in the National Flood Insurance Program as community 120172 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Nassau County, not Fernandina Beach
Nassau County context, not Fernandina Beach figures
- Establishments in Nassau County2,261
- Covered employment, Nassau County27,451
- Average annual pay, Nassau County$56,807
- Housing units permitted, Nassau County953
Every figure in this section is published for Nassau County as a whole and is not a measurement of Fernandina Beach.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Fernandina Beach questions, answered from the record.
How many people live in Fernandina Beach, Florida?
13,420, in 6,464 households. Fernandina Beach city covers 11.84 square miles of land, which is 1,133 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fernandina Beach in?
Nassau County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Fernandina Beach?
$97,903. The median owner-occupied home is valued at $555,400. Median gross rent is $1,259 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fernandina Beach businesses?
68 7(a) approvals totaling $41.2 m since FY2020, across 23 lenders, median approval $344,900, plus 31 504 approvals worth $17.5 m since FY2010. These count approvals to borrowers whose address is in Fernandina Beach, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fernandina Beach borrowers get paid back?
No rate is published for Fernandina Beach. Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Fernandina Beach in the National Flood Insurance Program?
Yes. Fernandina Beach appears in the FEMA Community Status Book as Fernandina Beach, city of, community 120172, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Fernandina Beach figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Nassau County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Fernandina Beach.
Is zoning published for Fernandina Beach?
No. Nothing on this page presents parcel level zoning.
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