What is the cost of living in Fernandina Beach, FL?
According to the most recent data on the cost of living, Fernandina Beach has an overall cost of living index of 126, which is 1.3x higher than the national index of 100.
Compared to Florida, Fernandina Beach has a cost of living index that's 1.2x higher than Florida's index of 104.
The standard of living in Fernandina Beach ranks as #370 most affordable out of the 462 places we measured in Florida. By definition, that implies Fernandina Beach ranks as the #92 most expensive place in the Sunshine State.
For more reading on life in Fernandina Beach, check out:
Fernandina Beach Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Fernandina Beach. Here is how it fares on each of the criteria:
The Services index in Fernandina Beach is 102.
The Groceries index in Fernandina Beach is 107.
The Health index in Fernandina Beach is 162.
The Housing index in Fernandina Beach is 110.
The Transportation index in Fernandina Beach is 117.
The Utilities index in Fernandina Beach is 114.
| Living Expense | Fernandina Beach | Florida | National Average |
|---|---|---|---|
| Overall | 126 | 104 | 100 |
| Services | 102 | 101 | 100 |
| Groceries | 107 | 105 | 100 |
| Health | 162 | 99 | 100 |
| Housing | 110 | 104 | 100 |
| Transportation | 117 | 109 | 100 |
| Utilities | 114 | 105 | 100 |
Fernandina Beach Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in Fernandina Beach Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Fernandina Beach, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Fernandina Beach is $600,245.
The Median Rent in Fernandina Beach is $1,259.
The Median Income in Fernandina Beach is $97,903.
The Home Value To Income in Fernandina Beach is 6.1x.
The Rent To Monthly Income in Fernandina Beach is 0.15x.
| Statistic | Fernandina Beach | Florida | United States |
|---|---|---|---|
| Median Home Value | $600,245 | $375,661 | $332,700 |
| Median Rent | $1,259 | $1,669 | $1,413 |
| Median Income | $97,903 | $74,568 | $80,734 |
| Home Value To Income | 6.1x | 5.0x | 4.1x |
| Rent To Monthly Income | 0.15x | 0.27x | 0.21x |
Fernandina Beach, FL Costs By Category
Detailed Fernandina Beach Services costs vs. Florida
| Item | Fernandina Beach | Florida |
|---|---|---|
| Shampoo | $1.43 | $1.28 |
| Movie | $12.86 | $12.13 |
| Bowling | $20.93 | $18 |
| Haircut | $20.91 | $24.26 |
| Beauty Salon | $70.33 | $45.56 |
Detailed Fernandina Beach Groceries costs vs. Florida
| Item | Fernandina Beach | Florida |
|---|---|---|
| Ground Beef | $5.34 | $5.84 |
| Fried Chicken | $1.47 | $1.57 |
| Milk | $4.57 | $4.67 |
| Potatoes | $5.44 | $4.93 |
| Pizza | $10.39 | $12.09 |
| Beer | $11.31 | $10.41 |
| Toothpaste | $3.69 | $3.7 |
Detailed Fernandina Beach Health costs vs. Florida
| Item | Fernandina Beach | Florida |
|---|---|---|
| Optometrist | $86.6 | $125.68 |
| Doctor | $100.93 | $135.78 |
| Dentist | $102.03 | $113.29 |
Detailed Fernandina Beach Transportation costs vs. Florida
| Item | Fernandina Beach | Florida |
|---|---|---|
| Gasoline | $3.44 | $3.46 |
| Tire Balancing | $34.43 | $59.92 |
Detailed Fernandina Beach Utilities costs vs. Florida
| Item | Fernandina Beach | Florida |
|---|---|---|
| All Electricity | $193.67 | $193.99 |
| Phone | $194.82 | $192.25 |
Fernandina Beach SnackAbility
Cost Of Living In Cities Around Fernandina Beach
The cost of living varies in the cities and towns around Fernandina Beach. Here's a quick look at the cost of living in the most populous nearby places:
Jacksonville, FL has a cost of living index of 109, 0.9x Fernandina Beach.
Fruit Cove, FL has a cost of living index of 130, 1.0x Fernandina Beach.
Lakeside, FL has a cost of living index of 102, 0.8x Fernandina Beach.
| City | Population | Cost Of Living | Vs. Fernandina Beach |
|---|---|---|---|
| Jacksonville, FL | 977,670 | 109 | 0.9x |
| Fruit Cove, FL | 35,877 | 130 | 1.0x |
| Lakeside, FL | 32,105 | 102 | 0.8x |
| Oakleaf Plantation, FL | 32,070 | 115 | 0.9x |
| Fleming Island, FL | 29,766 | 117 | 0.9x |
| Palm Valley, FL | 19,796 | 139 | 1.1x |
| Kingsland, GA | 19,627 | 103 | 0.8x |
| St. Marys, GA | 19,166 | 109 | 0.9x |
| Yulee, FL | 16,648 | 112 | 0.9x |
| Bellair-Meadowbrook Terrace, FL | 14,755 | 98 | 0.8x |
