PlainZIP

Fernandina Beach, FL · standard

ZIP Code 32034

Nassau County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

31,008
211/sq mi
$98,583
Median income
$537,800
Median home value
53.0%
Bachelor's or higher

The verdict

Fernandina Beach pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 20%
household income, US ZIPs
Top 12%
home value, US ZIPs
211
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32034 against every reporting US ZIP.

ZIP code 32034 is classified by USPS as a standard delivery area and covers roughly 146.8 square miles in Fernandina Beach, Nassau County, Florida. The area is home to 31,008 residents, producing a population density of 211 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32034 against Florida and the nation.

On the economic side, the median household income for ZIP 32034 sits at $98,583 (28% above the Florida average), while per-capita income is $62,968. The poverty rate stands at 7.8% and the unemployment rate at 6.4%. On housing, the median home value is $537,800 (43% above the state average) with median rent at $1,605 per month, and 82.8% of occupied units are owner-occupied, a direct signal of whether 32034 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 53.0% of adults hold a bachelor's degree or higher, the median age is 56.6, and the average commute is 28 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Nassau County, so you can benchmark 32034 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32034

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32034.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32034, Fernandina Beach, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

31,008

Population

146.8

Area (sq mi)

211

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32034?

56.6

Median Age

48.1%

Male

51.9%

Female

5.1%

Foreign-Born

White 85.9%
African American 5.5%
Asian 2.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.4%
Hispanic or Latino 6.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$98,583

Median Household Income

+28% vs state

$62,968

Per Capita Income

7.8%

Poverty Rate

6.4%

Unemployment Rate

27.7 min

Mean Commute Time

How ZIP 32034 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$98,583 Top 20% higher than 80% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 69.9%
Bachelor's Degree or Higher 53.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

22,644

Total Housing Units

18,494

Occupied Units

4,150

Vacant Units

2.20

Avg Household Size

Occupancy Type

Owner 82.8%
Renter 17.2%

$537,800

Median Home Value

+43% vs state

$1,605

Median Rent

1997

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.0%

YoY Change (2024)

429

HPI Index (2000 = 100)

+329%

Total Change Since 2000

Home values in ZIP 32034 have increased 3.0% over the past year (2024). Since 2000, this ZIP has seen +329% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.4% 248
2021 +17.2% 290
2022 +23.4% 358
2023 +16.2% 416
2024 +3.0% 429

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,267 business establishments in ZIP 32034, employing approximately 13,104 people with a combined annual payroll of $641,463,000.

1,267

Businesses

13,104

Employees

$641.5M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 194 15.3%
Health care and social assistance 168 13.3%
Retail trade 167 13.2%
Accommodation and food services 126 9.9%
Real estate and rental and leasing 120 9.5%
Other services (except public administration) 107 8.4%
Construction 106 8.4%
Administrative and support and waste management and remediation services 65 5.1%
Finance and insurance 59 4.7%
Transportation and warehousing 33 2.6%
Arts, entertainment, and recreation 29 2.3%
Wholesale trade 27 2.1%
Manufacturing 24 1.9%
Information 17 1.3%
Educational services 16 1.3%
Agriculture, forestry, fishing and hunting 3 0.2%
Utilities 3 0.2%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 32034 vs 32226 →

ZIP 32034 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 32034 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32034 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32034 ranks #2 of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32226 Jacksonville, FL 15,761 9.8 mi
32097 Yulee, FL 15,616 9.1 mi

More ZIP Codes in Nassau County

32097 standard
Yulee, FL
Pop: 15,616
32011 standard
Callahan, FL
Pop: 13,854
32046 standard
Hilliard, FL
Pop: 9,410
32009 standard
Bryceville, FL
Pop: 3,325

Related Areas

Nassau County Fernandina Beach, FL Florida

Frequently Asked Questions

What county is ZIP code 32034 in? ▼
ZIP code 32034 (Fernandina Beach) is located in Nassau County, Florida. Nassau County contains multiple ZIP codes, see the full list at /counties/nassau-fl.
What is the population of ZIP code 32034? ▼
ZIP code 32034 in Fernandina Beach, FL has a population of 31,008 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32034? ▼
The median household income in ZIP 32034 is $98,583, which is 29% above the national average of $76,288.
What is the average home value in ZIP 32034? ▼
The median home value in ZIP 32034 is $537,800, which is 93% above the national average of $278,155.
What is the demographic makeup of ZIP 32034? ▼
The largest racial group in ZIP 32034 is White at 85.9%. Hispanic or Latino residents make up 6.3% of the population.
How many businesses are in ZIP code 32034? ▼
ZIP code 32034 has 1,267 business establishments employing approximately 13,104 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32034? ▼
The top industries by establishment count in ZIP 32034 are: Professional, scientific, and technical services (194), Health care and social assistance (168), Retail trade (167). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 32034? ▼
According to the FHFA House Price Index, home values in ZIP 32034 increased by 3.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 329%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32034? ▼
In ZIP code 32034, 69.9% of residents aged 25+ have a high school diploma or higher, and 53.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32034? ▼
The mean commute time for workers in ZIP code 32034 is 27.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32034? ▼
In ZIP code 32034, approximately 82.8% of occupied housing units are owner-occupied and 17.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32034? ▼
The poverty rate in ZIP code 32034 is 7.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Fernandina Beach, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.