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.

One interesting thing about the economy is that relatively large numbers of people worked from their home: 13.73% of the workforce. While this number may seem small overall, as a fraction of the total workforce this is high compared to the rest of the county. 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.

Fernandina Beach is also nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Such areas are often places that visitors and locals go for waterfront activities or taking in the scenery.

The education level of Fernandina Beach ranks among the highest in the nation. Of the 25-and-older adult population in Fernandina Beach, 48.94% have at least a bachelor's degree. The typical US community has just 21.84% of its adults holding a bachelor's degree or graduate degree.

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.