Is Fernandina Beach, FL 32034 a buyer’s or seller’s market?

The Fernandina Beach housing market right now

In the three months ending August 31, 2026, 8% of homes in Fernandina Beach, FL 32034 sold above their list price, the typical home went under contract in 62 days and there were 4 months of supply. Four to six months of supply is a balanced market, where pricing and condition decide how much room there is to negotiate. That’s based on 333 home sales.

Compared with the same period a year earlier, the share selling over asking was about the same (6% then), homes sold faster (70 days then) and the median sale price rose 9% to $682,205. Overall, Fernandina Beach is more competitive than a year ago, so tougher for buyers.

Within Nassau County, homes here sell faster than in 50% of the county’s ZIP codes, and sell more often over asking than in 50%. On our competition score, Fernandina Beach ranks #372 of 796 FL ZIP codes with enough sales (score 21 out of 100).

Nearby, buyers who want less competition could look at Callahan 32011 (0% sold over asking) or Bryceville 32009 (0% sold over asking), while Yulee 32097 (16% sold over asking) and Hilliard 32046 (10% sold over asking) are even more competitive.