Fernandina Beach ZIP Codes — Nassau County, FL

There are 2 unique ZIP codes in Fernandina Beach, Florida. Area code: 904.

ZIP codes

64.98

sq mi land

21.76

sq mi water

904

area code

Fernandina Beach, FL ZIP code map

About Fernandina Beach, FL

Fernandina Beach is a picturesque coastal city located in northeastern Florida. It is known for its rich history, charming downtown area, and beautiful beaches along the Atlantic Ocean. This vibrant city in Nassau County attracts both residents and tourists with its diverse array of activities and attractions.

Location & geography

Fernandina Beach is situated on Amelia Island, bordered by the Atlantic Ocean to the east and the Intracoastal Waterway to the west. It is approximately 30 miles from Jacksonville and about 10 miles from Yulee, making it easily accessible for visitors. The city covers a total area of 86.74 square miles, with 64.98 square miles of land and 21.76 square miles of water, featuring lush landscapes and scenic coastlines.

Community & economy

The character of Fernandina Beach is a blend of historic charm and modern living, offering a welcoming atmosphere for residents and visitors. The local economy thrives on tourism, fishing, and maritime industries, with many people engaged in hospitality and recreation-related jobs. Daily life in the city is characterized by outdoor activities, community events, and a strong emphasis on preserving its cultural heritage.

Transportation

Fernandina Beach is accessible via several major highways, including Florida State Road 200, which connects the city to I-95 and other regional routes. The nearest major airport is Jacksonville International Airport, located about 30 miles south of the city. Public transportation options are limited, but local services do connect residents to key areas within the community.

History

Fernandina Beach was officially founded in the mid-19th century and has a rich maritime history, particularly known for its role in the shrimping industry. Over the years, the city has been a site of significant historical events, including skirmishes during the Civil War. Notably, the city was the birthplace of the modern shrimping industry, making it integral to the region's economy.

Did you know?

One surprising fact about Fernandina Beach is that it was once the only Spanish city in the United States, named after King Ferdinand VI of Spain. Additionally, the city is home to the only live oak tree named among the state's champion trees, showcasing its commitment to preserving local natural wonders.

ZIP codes for Fernandina Beach, FL (2)

ZIP code	City	County	Map
32034	Fernandina Beach	Nassau	View map
32035	Fernandina Beach	Nassau	View map

Demographics & statistics

40,026

Population

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

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%
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	%
High blood pressure	35.8%
High cholesterol	36.2%
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	%
Binge drinking	14.6%
No physical activity	20.5%
Less than 7 hrs sleep	29.1%
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%
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

What ZIP codes does Fernandina Beach, FL have?

Fernandina Beach, FL has one ZIP code: 32034. Each ZIP code serves a distinct delivery area within the city and surrounding region.