Rents are 12% below what Fernandina Beach's 10-year trend predicts — a better deal than its own history suggests.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $2,267 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
December. Asking rents in Fernandina Beach usually run 1.9% below trend in December and 2.3% above it in June, about $95 a month apart at today's median. Based on 6 years of data.
Rent in Fernandina Beach is 2.4% below its high of $2,323 in June 2026, at $2,267 as of September 2026.
Rent in Fernandina Beach changed +3.2% over the year to September 2026. Across the 270 Florida cities Zillow tracks, the typical change was +1.8%.
Rent in Fernandina Beach is 63.2% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.
Rent has fallen 3 months in a row, and rose in 6 of the last 12 months.
30% of the median household income ($97,903) is $2,448 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,440).
Kingsland, GA, 18 miles away, rents for 24% less ($1,727/mo), about $6,500 a year in savings.
From Zillow's monthly rent index (ZORI) for Fernandina Beach. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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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.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Fernandina Beach, FL has changed in 5 years
Rent in Fernandina Beach, FL has increased 44.8% since 2021, going from about $1,566 per month to roughly $2,267 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 22.8 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.
Discussions about Fernandina Beach
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Can you afford rent in Fernandina Beach on your salary?
At $2,267/mo, how Fernandina Beach rent compares to typical pay (30% rule).
Fernandina Beach rent by bedroom count
Median rent for each apartment size in Fernandina Beach. Click any size for full breakdown.
Tips for renters in Fernandina Beach
Last updated: October 17, 2026
The median rent in Fernandina Beach is $2,267/mo as of October 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 28% of local median household income ($97,903/yr), Fernandina Beach ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.2% over the past year.
Frequently asked questions
How much income do you need to rent in Fernandina Beach?
Is rent going up or down in Fernandina Beach?
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How does Fernandina Beach rent compare to other cities in Florida?
Which nearby cities are cheaper to rent in than Fernandina Beach?
At $2,267/mo, rent takes ~28% of Fernandina Beach's median household income ($97,903/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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