ZIP Code 32034 — Fernandina Beach city, FL Demographics & Data

ZIP code 32034 covers Fernandina Beach, FL in Nassau County with a population of about 39,280.

At a glance, the area shows median age of 56.5 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-4; the JACKSONVILLE media market.

Fernandina Beach, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 32034 is about $97,756 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 6.2%; 53.9% of adults with a bachelor’s degree or higher (about 20.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 19.1% of workers reporting work-from-home (about 3.9 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $484,200 — about 39% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,276 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 85.1% (about 19.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32034 in Fernandina Beach, FL, a household would need roughly $133,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,110. That is about 36% above the local median household income ($97,756), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fernandina Beach city, FL as Relatively Low (composite score 59.3), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (88.4) and wildfire (86.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fernandina Beach city, FL show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,758 for ZIP 32034 (Fernandina Beach city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.