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 High-density area
- $98,583
- Median income Above-median income area
- $537,800
- Median home value Above-median home value
- 53.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32034 (Fernandina Beach, FL) rose +3.0% from 2023 to 2024. The all-transactions index moved from 416.1 in 2023 to 428.8 in 2024 (2000 = 100).
ZIP code 32034 is a densely settled ZIP (a standard USPS delivery area) in Fernandina Beach, Nassau County, Florida, with 31,008 residents across 146.8 square miles, a density of 211 people per square mile, in the New York time zone.
ZIP 32034 lands in the middle-income range, with a median household income of $98,583 (28% above the average Florida ZIP), while per-capita income is $62,968. The poverty rate is 7.8%, with unemployment at 6.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $537,800 (43% above the average Florida ZIP), while 82.8% of occupied homes are owner-occupied and median rent is $1,605.
This is a highly-educated ZIP: 53.0% of adults hold a bachelor's degree or higher, the median age is 56.6, and the average commute is 28 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 4 more in Nassau County, so 32034 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32034
Top 5 sectors by establishment count in Fernandina Beach, FL
Which industries have the most business establishments in ZIP 32034.
- Professional, scientific, and technical services
Professional, scientific, and technical services
194 establishments
- Health care and social assistance
Health care and social assistance
168 establishments
- Retail trade
Retail trade
167 establishments
- Accommodation and food services
Accommodation and food services
126 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
120 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 32034?
56.6
Median Age
48.1%
Male
51.9%
Female
5.1%
Foreign-Born
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 ZIP avg
$62,968
Per Capita Income
7.8%
Poverty Rate
6.4%
Unemployment Rate
27.7 min
Mean Commute Time
How ZIP 32034 ranks nationally
Fernandina Beach, FL 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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
22,644housing units
22,644
Total Housing Units
18,494
Occupied Units
4,150
Vacant Units
2.20
Avg Household Size
Occupancy Type
$537,800
Median Home Value
+43% vs state ZIP avg
$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.
- 32034
Fernandina Beach (32034)
31,008 residents
- 32226
Jacksonville (32226)
15,761 residents
- 32097
Yulee (32097)
15,616 residents
What this shows Among its immediate neighbors, ZIP 32034 ranks the most populous - useful context the national average alone can't give.
ZIP 32034 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32226
Jacksonville (32226)
$110,179 median income
- 32034
Fernandina Beach (32034)
$98,583 median income
- 32097
Yulee (32097)
$93,161 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32034, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (31,008 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Nassau County
Related Areas
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.
Related
Take this with you
What to do with ZIP 32034's numbers, next.
- See how ZIP 32034 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fernandina Beach, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.