32034 ZIP Code — Fernandina Beach, FL

Nassau County, Florida

ZIP code 32034 is located in Fernandina Beach, Florida, within Nassau County. It covers approximately 64.98 square miles and serves a population of 40,026 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 904.

About ZIP code 32034

The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $427,700. Owner-occupancy is high at 86%, well above the national average.

The gap between median ($95,869) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 32034 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

40,026

population

64.98

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32034 ZIP code map

Cities in ZIP code 32034

Below are the cities the US Postal Service accepts for ZIP code 32034. Using any city not on this list may result in mail delivery delays.

City	Status
Fernandina Beach	Acceptable
Fernandina Beach	Preferred

Nearby ZIP codes

32097 Yulee (7.9 mi) 32226 Jacksonville (9.7 mi) 32218 Jacksonville (13.5 mi) 31558 Saint Marys (15.4 mi) 32227 Jacksonville (16.9 mi) 32277 Jacksonville (17.7 mi) 32225 Jacksonville (18.4 mi) 32233 Atlantic Beach (18.5 mi) 32011 Callahan (18.5 mi) 32208 Jacksonville (18.7 mi) 31548 Kingsland (19.6 mi)

Demographics updated 06/2026

Population
Total population	40,026
Population density	616 / sq mi
State FIPS	12
County FIPS	089

Geography
Land area	64.98 sq mi
Water area	21.76 sq mi
Latitude	30.6202
Longitude	-81.5056
Timezone	Eastern (ET)
Area code	904

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.6%	32.5%	43.4%
$50k – $100k	28.9%	33.8%	30.8%
$100k – $200k	28.0%	24.7%	19.3%
Over $200k	15.5%	8.9%	6.4%

Demographics & statistics

40,026

Population

616

People per sq mi

54.4

Median age

$95,869

Median household income

$57,907

Per capita income

$427,700

Median home value

$1,209

Median monthly rent

85.7%

Home ownership

7.2%

Poverty rate

5.5%

Unemployment

18,956

Housing units

49.7%

Bachelor's or higher

Age distribution

Male Female

648

Under 5

709

1,168

5–9

1,277

807

10–14

882

751

15–19

821

510

20–24

557

1,277

25–34

1,397

2,156

35–44

2,358

2,460

45–54

2,691

1,679

55–59

1,838

1,765

60–64

1,932

3,448

65–74

3,773

1,995

75–84

2,183

451

85+

493

← Male

Female →

Age summary

Group	Count	%
Under 18	6,632	16.6%
18 and over	33,394	83.4%
65 and over	12,343	30.8%
Median age	54.4 years

Race & ethnicity

White 84.8%

Black or African American 4.6%

Hispanic or Latino 4%

Two or more races 3.4%

Other race 1.8%

Asian 1.4%

Group	Count	%
White	35,334	84.8%
Black or African American	1,904	4.6%
Hispanic or Latino	1,664	4%
Two or more races	1,434	3.4%
Other race	760	1.8%
Asian	587	1.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.6%	32.5%	43.4%
$50k – $100k	28.9%	33.8%	30.8%
$100k – $200k	28.0%	24.7%	19.3%
Over $200k	15.5%	8.9%	6.4%

Under $10k 2.9%

$10k–$15k 2.6%

$15k–$25k 5.0%

$25k–$35k 3.6%

$35k–$50k 9.4%

$50k–$75k 15.2%

$75k–$100k 13.6%

$100k–$150k 19.4%

$150k–$200k 11.3%

$200k+ 16.9%

Range	% of households
Under $10k	2.9%
$10k–$15k	2.6%
$15k–$25k	5.0%
$25k–$35k	3.6%
$35k–$50k	9.4%
$50k–$75k	15.2%
$75k–$100k	13.6%
$100k–$150k	19.4%
$150k–$200k	11.3%
$200k+	16.9%
Median income	$95,869

Housing

Home values

Under $50k 1.4%

$50k–$100k 2.1%

$100k–$150k 2.2%

$150k–$200k 3.8%

$200k–$300k 15.6%

$300k–$500k 34.9%

$500k–$1M 32.6%

$1M+ 7.4%

Housing overview

Metric	Value
Median home value	$427,700
Median rent / month	$1,209
Owner occupied	85.7%
Renter occupied	14.3%
Vacant	19.4%
Single-family detached	69.2%
Large apartment buildings	5.7%
Mobile homes	5.6%
Median rooms	6.1
Avg household size (owned)	2.34

Year built

Era	%
2020 or later	3.9%
2010–2019	13.0%
2000–2009	23.6%
1990–1999	17.9%
1980–1989	18.2%
1970–1979	10.6%
1960–1969	3.8%
1950–1959	3.8%
1940–1949	2.1%
1939 or earlier	3.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	4.1%
2 bedrooms	18.3%
3 bedrooms	49.9%
4 bedrooms	24.1%
5+ bedrooms	2.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	29.6%
2 vehicles	46.3%
3 or more	20.2%

Heating fuel

Fuel type	%
Utility gas	2.2%
Electricity	92.9%
Propane / LP gas	3.2%
Fuel oil	0.5%
Solar	0.3%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	9,840	57.0%
Cohabiting couple	833	4.8%
Male householder, no spouse	2,492	14.4%
Female householder, no spouse	4,097	23.7%
Households with children under 18	3,508	20.3%
Households with seniors (65+)	8,291	48.0%
Average household size	2.30

Marital status

Status	Male	Female
Never married	21.4%	15.1%
Married	62.9%	58.3%
Separated	0.9%	0.5%
Widowed	6.3%	11.3%
Divorced	8.5%	14.8%

Education

Less than 9th grade 1.2%

Some HS, no diploma 2.4%

HS graduate 18.9%

Some college, no degree 19.2%

Associate's degree 8.6%

Bachelor's degree 30.9%

Graduate / professional 18.7%

Metric	%
HS diploma or higher	96.4%
Bachelor's or higher	49.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	381	5.4%
Kindergarten	651	9.2%
Elementary school	3,108	44.0%
High school	1,371	19.4%
College / grad school	1,552	22.0%

Employment

Industry of employment

Education & healthcare 20.2%

Professional & management 16.1%

Arts, food & hospitality 13.1%

Transportation & utilities 7.7%

Finance & real estate 7.6%

Retail trade 7.5%

Manufacturing 6.6%

Public administration 6.3%

Other services 5.5%

Construction 5.4%

Wholesale trade 1.9%

Information 1.0%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	43.7%
Service	15.5%
Sales & office	24.6%
Natural resources & construction	6.7%
Production & transportation	9.5%

Employment type

Type	%
Private sector	78.6%
Government	13.7%
Self-employed	7.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.8%
Carpool	5.3%
Public transit	0.3%
Walk	1.2%
Work from home	13.1%
Other means	1.4%
Avg commute (minutes)	27.1

Poverty

All people 7.2%

Under 18 years 9.4%

18 and over 6.7%

Married-couple families 1.9%

Female-led households 31.1%

Income support

Source	% of households
Social Security	46.7%
Retirement income	40.4%
Supplemental Security	4.9%
Cash public assistance	0.4%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
Obesity	29.3%
High blood pressure	35.8%
High cholesterol	36.2%
Diabetes	10.9%
Heart disease	7.0%
Stroke	3.2%
Asthma	8.2%
Arthritis	27.8%
Kidney disease	3.1%
Pulmonary disease	7.7%
Cancer	8.5%

Behavior / access	%
Smoking	14.6%
Binge drinking	14.6%
No physical activity	20.5%
Less than 7 hrs sleep	29.1%
Depression	18.4%
Fair or poor health	13.5%
Poor mental health	13.6%
Poor physical health	10.5%
No health insurance	15.3%
Visited doctor (checkup)	77.6%
Visited dentist	65.4%
Cholesterol screening	93.4%
Teeth loss	9.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,867	11.6%

Disability	%
Any disability	16.6%
Under 18	7.3%
18–64 years	12.9%
65 and over	28.1%

Health insurance coverage

Type	%
Private insurance	70.9%
Public insurance	42.8%
No insurance	8.0%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	38,669	96.6%
Spanish	936	2.4%
Other Indo-European	810	2.1%
Asian & Pacific Islander	57	0.1%
Other languages	69	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	37,597	93.9%
Born in same state	36,761	91.8%
Born in different state	11,602	29.0%
Foreign born	836	2.1%
Naturalized citizen	2,429	6.1%
Not a US citizen	1,635	67.3%

Ancestry

Ancestry	Count	%
Arab	6,240	15.6%
French	6,151	15.4%
Italian	4,673	11.7%
Irish	615	1.5%
Polish	335	0.8%

Ancestry	Count	%
English	250	0.6%
German	156	0.4%
Norwegian	144	0.4%
Dutch	82	0.2%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	99.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32034

What city is ZIP code 32034 in?

ZIP code 32034 is primarily assigned to Fernandina Beach, Florida.

What county is ZIP code 32034 in?

ZIP code 32034 falls within Nassau County, Florida.

Does ZIP code 32034 have an older population?

31% of residents in ZIP code 32034 are 65 or older, above the national average of ~17%.

Does ZIP code 32034 have a large retiree population?

47% of households in ZIP code 32034 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 32034 mostly owner-occupied?

86% of occupied units in ZIP code 32034 are owner-occupied, well above the national average.

How educated is the population of ZIP code 32034?

50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 32034 in?

ZIP code 32034 observes the EST timezone.