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ZIP Code · FL

ZIP 32034

Pop. 41,029·Nassau County·146th most expensive ZIP in Florida
Median rent (all units)
$2,552/mo
Year-over-Year
+16.1%
Month-over-Month
+0.9%
vs US Median
+$587
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 32034 · $2,552
More expensive than 80% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,230
1 BR
$1,250
2 BR
$1,500
3 BR
$1,850
4 BR+
$2,320
Research median
$1,500/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
$30,624/yr
At $2,552/mo median
Location
StateFL
CountyNassau County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 16.1% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+16.1% YoY, +0.9% MoM), not inventory.
Demographics

Who lives here

ZIP 32034 (Fernandina Beach, FL) is majority owner-occupied, has a large retiree population, has a median income above the national average, 53% of residents hold a bachelor's degree or higher.

Population
41,029
Median income
$98,583
Median age
56.6
Renters
17.2%
Age distribution
14.6%
12.8%
20.7%
19.3%
32.7%
Under 1814.6%
18–3412.8%
35–5420.7%
55–6419.3%
65+32.7%
Gender
48.1%
51.9%
Male48.1%
Female51.9%
Race & ethnicity
85.9%
White85.9%
Black5.5%
Hispanic6.3%
Asian2%
Education (25+)
16.9%
26.5%
53%
No HS diploma3.7%
HS diploma16.9%
Some college26.5%
Bachelor's+53%
Housing tenure
82.8%
17.2%
Owner82.8%
Renter17.2%

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

2021 vs 2026

How ZIP 32034 in Fernandina Beach, FL has changed in 5 years

Rent
$1,636 → $2,552
up 56.0%
Income
$87,047 → $98,583
up 13.3%
Population
38,747 → 41,029
up 5.9%
Renter share
16.1% → 17.2%
+1.1 pts
Bachelor's+
49% → 53%
+4.0 pts
Median age
53.8 → 56.6
+2.8 yrs

The median rent in ZIP 32034 in Fernandina Beach, FL stood at $1,636 in 2021 and currently runs about $2,552, reflecting a 56.0% increase over the period. Local incomes tracked alongside that move, going from a median of $87,047 in 2021 to $98,583 more recently. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 5.9% since 2021, moving from about 38,747 residents to roughly 41,029. College-educated residents now make up 53% of adults here, versus 49% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 32034 in Fernandina Beach, FL market of 2021.

Community

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Local insights

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About renting in ZIP 32034

Last updated: July 20, 2026

ZIP code 32034 covers Fernandina Beach, FL. The median rent here is $2,552/mo as of July 2026. A 1-bedroom rents for a median of $1,250/mo. A 2-bedroom rents for a median of $1,500/mo.

At 31% of local median household income ($98,583/yr), ZIP 32034 ranks as moderate compared to the national benchmark of 30%. Rents have increased 16.1% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 32034?

As of July 20, 2026, the median monthly rent in ZIP 32034 (Fernandina Beach, FL) is $2,552. This is based on aggregated data from public sources and community submissions.

How does ZIP 32034 rent compare to the US average?

ZIP 32034's median rent of $2,552/mo is $587 (30%) above the US national median of $1,965/mo.

How does ZIP 32034 compare to other ZIPs in Florida?

ZIP 32034 is one of the pricier ZIP codes in Florida, ranking #146 out of 662 ZIPs tracked at $2,552/mo.

How much income do you need to rent in ZIP 32034?

To keep rent at or below 30% of gross income, you would need to earn at least $102,000/year (~$49/hour full-time) to afford the median rent of $2,552/mo in ZIP 32034. The local median household income is $98,583/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 32034?

Rent in ZIP 32034 has increased 16.1% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 32034 an affordable place to rent?

ZIP 32034 is considered moderate for renters. At $2,552/mo, rent takes approximately 31% of the local median household income ($98,583/yr). The standard benchmark is 30%. ZIP 32034 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 32034 residents rent vs. own?

According to Census data, approximately 17.2% of ZIP 32034 households are renters, while 82.8% are owner-occupied. ZIP 32034 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 32034 compare to the rest of Fernandina Beach?

ZIP 32034 is pricier than Fernandina Beach as a whole. At $2,552/mo, it's $149 above the Fernandina Beach citywide median of $2,403/mo.

When was rent data for ZIP 32034 last updated?

Rent data for ZIP 32034 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
31%
MODERATE

At $2,552/mo, rent takes ~31% of ZIP 32034's median household income ($98,583/yr). The standard benchmark is 30%.

ZIP 32034 31%Benchmark 30%
State income taxNone
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Public schools near ZIP 32034 (Fernandina Beach, FL)

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