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Fernandina Beach city, FL

ZIP 32034 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32034

Median Home Value
$484,200
Median Rent
$1,276
Affordability Snapshot
$133,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,110/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32034 in Fernandina Beach city, FL, a household would need roughly $133,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,110. That is about 36% above the local median household income ($97,756), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.1%+30% vs US avg
x
Vacancy Rate
18.6%+81% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
5.9%-14% vs US avg
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
43.3%+13% vs US avg
x
$484,200
Home Value
$1,276
Rent
1996
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached70.2%
  • 1-unit attached5.3%
  • 2-9 units9.7%
  • 10+ units9.9%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$484,200
Median rent$1,276
Owner-occupied85.1%
Vacant18.6%
Price-to-income5.0x
Est. income to buy$133,000