Fernandina Beach, FL

  • Overview
  • Performance
  • Listings
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Key Performance Metrics

Market snapshot

Performance indicators for the Fernandina Beach short-term rental market based on reliable data.

Listings

964 / 2118

Reliable / Active

Cap Rate

9%

Middle-Earners Gross Yield

Revenue

$55,001

Middle-Earners Revenue

Occupancy

60%

Middle-Earners Occupancy

Home Value

$605,962

Median Home Sale Price

Top Earners

$100,448

Top-Earners Revenue

Fernandina Beach

Market Revenue Seasonality

Top Listings

Highest revenue

The highest-performing listings in Fernandina Beach.

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C

Challenging to Investors

Fernandina Beach Regulations

STRs are legal but tightly limited to R‑3 zoning (plus pre‑Oct 2000 grandfathered units), creating a small, finite pool of allowable properties; investors face multiple licenses, fees ($300 initial, $200 renewal), an annual inspection, mandatory advertising ID, a 24/7 contact with a 30‑minute response time, and strict fines up to $1,000 plus daily penalties, raising compliance risk and deterring investment.

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About Fernandina Beach

Fernandina Beach is a small coastal city situated at the northern end of Amelia Island in Nassau County, in the northeastern corner of Florida. With a population of roughly 12,000 to 13,000 residents, it carries the dual distinction of being the county seat of Nassau County and one of the oldest settlements in the state. The town has a relaxed, historic character shaped by well-preserved Victorian-era architecture, a working shrimping fleet, and thirteen miles of white-sand beach that draw visitors year-round. Often referred to as the "Isle of Eight Flags" because of its varied colonial history, Fernandina Beach serves as the cultural and commercial gateway to Amelia Island. It sits approximately 35 miles north of Jacksonville along the Atlantic coast, near the Georgia state line, making it a convenient weekend destination for travelers from both Florida and southern Georgia.

At the northern tip of Amelia Island lies Fort Clinch State Park, a 1,400-plus-acre park built around a remarkably intact Civil War-era brick fortress. The park offers guided tours of the fort's ramparts and barracks, along with miles of multi-use trails, a fishing pier, and a quiet stretch of beach. Fort Clinch is located within the Fernandina Beach city limits, just a short drive from the downtown area, and it is consistently rated among Florida's most popular state parks for both history enthusiasts and families.

The historic downtown stretches along Centre Street and the surrounding blocks, where nineteenth-century storefronts now house independent boutiques, art galleries, seafood restaurants, and pubs. Visitors can stroll the brick-lined streets, browse antique shops, or stop in the weekly farmers market, all on foot from many of the city's bed-and-breakfasts and rental homes. The district's architecture, much of it dating to the late 1800s, gives Fernandina Beach a distinct sense of place that sets it apart from the more heavily developed stretches of Florida's coast.

Just a few minutes south of downtown stands the Amelia Island Lighthouse, one of the oldest lighthouses in Florida, first lit in 1839. Climbable on limited tour days, it remains an active aid to navigation and offers views of the surrounding marsh and ocean. Nearby, American Beach preserves the story of a mid-twentieth-century African American beach community founded in the 1930s, now listed on the National Register of Historic Places and popular with visitors interested in the cultural history of the region.

Fernandina Beach makes a compelling base for a short-term rental because it pairs an authentic small-town atmosphere with the beach, history, and outdoor recreation of a full resort destination. Guests can spend mornings on uncrowded sand, afternoons exploring forts and lighthouses, and evenings dining in a walkable historic district, all while remaining within an easy drive of Jacksonville's airport and the broader attractions of northeast Florida and southeast Georgia.

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