Cost of Living in Fernandina Beach, FL
Overall index: 124 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 139 | +39% | $1,107 |
| Transportation | 98 | -2% | $3.50 |
| Food | 124 | +24% | $508 |
| Utilities | 120 | +20% | $250 |
| Healthcare | 120 | +20% | $181 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Fernandina Beach?
A single adult living comfortably in Fernandina Beach, FL needs approximately $43,400 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Fernandina Beach, FL?
The overall cost of living in Fernandina Beach, FL is 24% higher than the US national average (index: 124 where 100 = national average).
How much is rent in Fernandina Beach, FL?
Average rent for a 1-bedroom apartment in Fernandina Beach, FL is about $1,107/month.
Is Fernandina Beach, FL expensive to live in?
Yes, Fernandina Beach, FL is considered expensive (index above national average).
What salary do I need to live in Fernandina Beach, FL?
A single adult needs roughly $43,400/year to cover basic living costs in Fernandina Beach, FL.