Fernandina Beach is a medium-sized coastal city (i.e. on the ocean, a bay, or inlet) located in the state of Florida. With a population of 13,647 people and ten associated neighborhoods, Fernandina Beach is the 187th largest community in Florida.

Housing costs in Fernandina Beach are among some of the highest in the nation, although real estate prices here don't compare to real estate prices in the most expensive communities in Florida.

One interesting thing about the economy is that relatively large numbers of people worked from their home: 18.98% of the workforce. While this number may seem small overall, as a fraction of the total workforce this is high compared to the rest of the county. These workers are often telecommuters who work in knowledge-based, white-collar professions. For example, Silicon Valley has large numbers of people who telecommute. Other at-home workers may be self-employed people who operate small businesses out of their homes.

One of the nice things about Fernandina Beach is that it is nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Because of this, visitors and locals will often go to these areas to take in the scenery or to enjoy waterfront activities.

Do you like to read, write and learn? If you move to Fernandina Beach, you'll likely find that many of your neighbors like to as well. Fernandina Beach is one of the more educated communities in America, with a full 51.15% of its adults having a college degree or even advanced degree, compared to a national average across all communities of 21.84%.

The per capita income in Fernandina Beach in 2022 was $63,640, which is wealthy relative to Florida and the nation. This equates to an annual income of $254,560 for a family of four. However, Fernandina Beach contains both very wealthy and poor people as well.

Fernandina Beach is a somewhat ethnically-diverse city. The people who call Fernandina Beach home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Fernandina Beach residents report their race to be White, followed by Black or African-American. Fernandina Beach also has a sizeable Hispanic population (people of Hispanic origin can be of any race). People of Hispanic or Latino origin account for 10.05% of the city’s residents. Important ancestries of people in Fernandina Beach include English, German, Irish, Italian, and French.

The most common language spoken in Fernandina Beach is English. Other important languages spoken here include Spanish and Tagalog.