Fernandina Beach is a somewhat small coastal city (i.e. on the ocean, a bay, or inlet) located in the state of Florida. With a population of 13,401 people and ten associated neighborhoods, Fernandina Beach is the 187th largest community in Florida.

Housing costs in Fernandina Beach are among some of the highest in the nation, although real estate prices here don't compare to real estate prices in the most expensive communities in Florida.

Of important note, Fernandina Beach is also a city of artists. Fernandina Beach has more artists, designers and people working in media than 90% of the communities in America. This concentration of artists helps shape Fernandina Beach’s character.

A relatively large number of people in Fernandina Beach telecommute to their jobs. Overall, about 13.73% of the workforce works from home. While this may seem like a small number, as a fraction of the total workforce it ranks among the highest in the country. These workers are often telecommuters who work in knowledge-based, white-collar professions. For example, Silicon Valley has large numbers of people who telecommute. Other at-home workers may be self-employed people who operate small businesses out of their homes.

One of the nice things about Fernandina Beach is that it is nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Because of this, visitors and locals will often go to these areas to take in the scenery or to enjoy waterfront activities.

Fernandina Beach is one of the most well-educated cities in the nation. 48.94% of adults in Fernandina Beach have at least a bachelor's degree. Compare that to the average community in America, which has just 21.84% with a bachelor's degree or higher.

The per capita income in Fernandina Beach in 2018 was $58,231, which is wealthy relative to Florida and the nation. This equates to an annual income of $232,924 for a family of four. However, Fernandina Beach contains both very wealthy and poor people as well.

Fernandina Beach is a very ethnically-diverse city. The people who call Fernandina Beach home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Fernandina Beach residents report their race to be White, followed by Black or African-American. Fernandina Beach also has a sizeable Hispanic population (people of Hispanic origin can be of any race). People of Hispanic or Latino origin account for 12.30% of the city’s residents. Important ancestries of people in Fernandina Beach include English, German, Irish, Italian, and Scottish.

The most common language spoken in Fernandina Beach is English. Other important languages spoken here include Spanish and Portuguese.