How much does it cost to rent in Fernandina Beach, FL?

As of July 2026, the median monthly rent in Fernandina Beach, FL is $2,403. This figure is based on aggregated data from public sources and community-submitted rents.

Is Fernandina Beach cheaper than other Florida cities?

Fernandina Beach is one of the pricier cities in Florida, ranking #88 out of 288 cities tracked at $2,403/mo.

When was Fernandina Beach rent data last updated?

Fernandina Beach rent data reflects July 2026 and was last refreshed on July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.

City Report · FL

Fernandina Beach

Name: Average Rent Prices in Fernandina Beach, FL
Creator: RentDataNow
License: https://rentdatanow.com/terms-of-service

Pop. 13,420·88th most expensive in Florida·Fernandina Beach rents are up 18.7% over the past year

Median rent (all units)

$2,403/mo

Year-over-Year

+18.7%

Month-over-Month

-0.2%

vs US Median

+$438

Stable (Monthly)

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Most AffordableMost Expensive

Fernandina Beach · $2,403

More expensive than 76% of US cities · National median $1,965/mo

Rent Reality Score

63/100

Good value

OverheatedFairGreat value

Rents are 6% below what Fernandina Beach's 10-year trend predicts — a better deal than its own history suggests.

Actual rent

$2,403/mo

Expected by trend

$2,565/mo

The Rent Reality Score compares today's median rent to where Fernandina Beach's own long-run trajectory projects it should be. See the full rankings →

Medians by bedroom

Rent by unit size

Studio

$1,230

1 BR

$1,290

2 BR

$1,540

3 BR

$1,930

4 BR+

$2,440

Research median

$1,540/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost

$28,836/yr

At $2,403/mo median

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 18.7% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+18.7% YoY, -0.2% MoM), not inventory.

Rent check

Is your rent fair?

Compare your rent to the local median.

Demographics

Who lives here

Fernandina Beach, FL is majority owner-occupied, has a large retiree population, has a median income above the national average, 53.3% of residents hold a bachelor's degree or higher.

Population

13,420

Median income

$97,903

Median age

58.6

Renters

19.5%

Age distribution

13.2%

19.8%

17.7%

37.8%

Under 1811.5%

18–3413.2%

35–5419.8%

55–6417.7%

65+37.8%

Gender

49.8%

50.2%

Male49.8%

Female50.2%

Race & ethnicity

84.8%

White84.8%

Black8.3%

Hispanic10.2%

Education (25+)

16.6%

26.5%

53.3%

No HS diploma3.5%

HS diploma16.6%

Some college26.5%

Bachelor's+53.3%

Housing tenure

80.5%

19.5%

Owner80.5%

Renter19.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Fernandina Beach, FL has changed in 5 years

Rent

$1,620 → $2,403

up 48.3%

Income

$80,260 → $97,903

up 22.0%

Population

12,697 → 13,420

up 5.7%

Renter share

19% → 19.5%

+0.5 pts

Bachelor's+

45.5% → 53.3%

+7.8 pts

Median age

56.7 → 58.6

+1.9 yrs

Rent in Fernandina Beach, FL has increased 48.3% since 2021, going from about $1,620 per month to roughly $2,403 today. Household income in the area moved from $80,260 to $97,903 across the same window, up 22.0% versus 2021. Rent outpaced income growth by roughly 26.3 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. Headcount in the area went from 12,697 to 13,420 between 2021 and 2024, a 5.7% change. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 45.5% to 53.3%. Reading these numbers side by side helps frame whether current listings in Fernandina Beach, FL look reasonable against where the market sat half a decade ago.

Community

Discussions about Fernandina Beach

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View Fernandina Beach rent history (2015–2026) →

Salary vs rent

Can you afford rent in Fernandina Beach on your salary?

At $2,403/mo, how Fernandina Beach rent compares to typical pay (30% rule).

Registered Nurse

Avg $87,866/yr · Rent = 32.8% income

stretched

Elementary School Teacher

Avg $62,384/yr · Rent = 46.2% income

rent-burdened

Police Officer

Avg $71,861/yr · Rent = 40.1% income

rent-burdened

Software Developer

Avg $128,442/yr · Rent = 22.5% income

affordable

Lawyer

Avg $164,117/yr · Rent = 17.6% income

very comfortable

Firefighter

Avg $58,413/yr · Rent = 49.4% income

rent-burdened

Truck Driver

Avg $52,740/yr · Rent = 54.7% income

severely rent-burdened

Electrician

Avg $65,007/yr · Rent = 44.4% income

rent-burdened

By apartment size

Fernandina Beach rent by bedroom count

Median rent for each apartment size in Fernandina Beach. Click any size for full breakdown.

Local insights

Tips for renters in Fernandina Beach

About renting in Fernandina Beach, FL

Last updated: July 20, 2026

The median rent in Fernandina Beach is $2,403/mo as of July 2026. A studio apartment averages $1,230/mo while a 2-bedroom runs $1,540/mo. One-bedroom apartments average $1,290/mo and 3-bedroom units go for $1,930/mo.

At 29% of local median household income ($97,903/yr), Fernandina Beach ranks as affordable compared to the national benchmark of 30%. Rents have increased 18.7% over the past year.

FAQ

Frequently asked questions

Is Fernandina Beach an affordable city for renters?

Fernandina Beach is considered affordable for renters. At $2,403/mo, rent takes approximately 29% of the local median household income ($97,903/yr). The standard benchmark is 30%. Fernandina Beach falls comfortably within that range.

How much income do you need to rent in Fernandina Beach?

To keep rent at or below 30% of gross income, you would need to earn at least $96,000/year (~$46/hour full-time) to afford the median rent of $2,403/mo in Fernandina Beach. The local median household income is $97,903/yr, meaning the typical Fernandina Beach household meets that threshold.

Is rent going up or down in Fernandina Beach?

Rent in Fernandina Beach has increased 18.7% over the past year as of July 2026, putting upward pressure on renter budgets.

How does Fernandina Beach rent compare to other cities in Florida?

Fernandina Beach is one of the pricier cities in Florida for rent, ranking #88 out of 288 tracked cities at $2,403/mo.

Which nearby cities are cheaper to rent in than Fernandina Beach?

Several nearby cities have lower median rents than Fernandina Beach ($2,403/mo): Saint Marys ($1,588/mo), Kingsland ($1,671/mo), Yulee ($2,162/mo).

What percentage of Fernandina Beach residents rent vs. own?

According to Census data, approximately 19.5% of Fernandina Beach households are renters, while 80.5% are owner-occupied. Fernandina Beach leans toward homeownership, which can mean a smaller rental inventory.

How does Fernandina Beach rent compare to the national average?

Fernandina Beach's median rent of $2,403/mo is $438 (22%) above the US national median of $1,965/mo. Within Florida, it ranks #88 out of 288 tracked cities.

Income Affordability

29%

AFFORDABLE

At $2,403/mo, rent takes ~29% of Fernandina Beach's median household income ($97,903/yr). The standard benchmark is 30%.

Fernandina Beach 29%Benchmark 30%

State income taxNone

Run the Fernandina Beach affordability calculator →

Nearby cities