Residential delivery area · Florida
ZIP Code 32034: Fernandina Beach, FL
ZIP code 32034 uses the postal name Fernandina Beach, Florida and lies entirely in Nassau County (Census 2020 ZIP-county file). About 41,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $98,583 (Census Bureau, ACS 2020-2024). By Census place, 18% of its land lies in Fernandina Beach, and under 1% in smaller places; 81% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Fernandina Beach · its only residential ZIP
- County
- Nassau County
- Census places
- Fernandina Beach
- Metro area
- Jacksonville, FL
- House district
- FL-4 119th Congress
- State
- Florida
- Time zone
- Eastern
- Land area
- 65.0 sq mi · 631 people per sq mi
- PO Box ZIPs
- 32035 also use the name Fernandina Beach
Where is ZIP code 32034?
32034 centers on 30.602°, -81.482° and covers 65.0 square miles of land plus 21.8 of water. It borders 3 ZIP codes: 32226, 32097, 31558.
The map draws ZIP code areas only. For the streets inside 32034, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 32034 compare with the rest of Nassau County?
| Measure | 32034 | In Nassau County | In FL |
|---|---|---|---|
| People (ACS 2020-2024) | 41,029 | 1st of 6 | 150th of 1,013 |
| Median household income | $99k | 1st of 5 | 149th of 819 |
| Median home value | $538k | 1st of 6 | 126th of 833 |
Its median household income is higher than in 80% of U.S. residential ZIP codes, and it is denser than 74% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 32034?
The 2020 Census counted 38,167 people in 32034; the ACS, which samples households over 2020-2024, estimates 41,029. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 41,029
- 2020 Census count
- 38,167
- Households
- 18,494
- Median age
- 56.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 32034?
Of the 41,029 people the ACS estimates in 32034, 14.6% are under 18 and 32.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (83.9%).
- Under 1814.6%
- 18 to 6452.7%
- 65 and older32.7%
- White, not Hispanic83.9%
- Hispanic or Latino6.3%
- Black, not Hispanic5.4%
- Other or two or more2.3%
- Asian, not Hispanic2.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 32034 earn?
Median household income is $98,583 (ACS 2020-2024), the highest of the 5 ranked ZIP codes in Nassau County.
- Median household income
- $98,583
- Income per person
- $62,968
- Below the poverty line
- 7.8%
- Unemployed (of the labor force)
- 6.4%
- Adults 25+ with a bachelor's degree
- 53.0%
- Adjusted gross income per tax return, 2022
- $171,32221,370 returns; wages 39% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 32034?
FHFA's house price index for 32034, built from repeat sales and appraisals of the same homes, rose 148% from 2015 to 2025 and rose 70% from 2020 to 2025, and moved −1.5% in 2025.
- Median home value (owners' estimate)
- $537,800
- Median gross rent
- $1,605
- Homes owned by their occupants
- 82.8%
- Housing units
- 22,644
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 32034?
1,267 business establishments had a location in this ZIP code in 2023, 177 more than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services194
- Health care and social assistance168
- Retail trade167
- Accommodation and food services126
- Real estate and rental and leasing120
- Other services (except public administration)107
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 32034?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32226 | Jacksonville | 21,256 | $110k | 8.5 mi |
| 32097 | Yulee | 26,700 | $93k | 10.8 mi |
| 31558 | Saint Marys, GA | 22,591 | $74k | 13.9 mi |
| 31547 | Kings Bay, GA | 1,419 | – | 13.4 mi (near) |
| 32218 | Jacksonville | 72,905 | $70k | 13.6 mi (near) |
| 32228 | Jacksonville | 222 | – | 15.3 mi (near) |
| 32227 | Jacksonville | 3,207 | $86k | 15.4 mi (near) |
| 32277 | Jacksonville | 36,338 | $62k | 16.9 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.
Which other ZIP codes use the name Fernandina Beach?
1 more ZIP code carries the postal name Fernandina Beach, FL without a residential delivery area: PO boxes at the post office, or a single organization with its own ZIP code. The Census Bureau publishes no figures for it.
| ZIP | County |
|---|---|
| 32035 | Nassau County |
Source: GeoNames postal codes (CC BY 4.0), downloaded 2026-10-09; a ZIP code with no Census ZCTA has no residential delivery area.