ZIP Code Tabulation Area

32034

Fernandina Beach, FL · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
41,029
Median household income
$98,583
People below poverty
7.8%
Median home value
$537,800

Income

The median income of households in 32034 was $98,583. An estimated 3.7% of households had income below $10,000 a year and 19.7% had income of $200,000 or more.

Household Income in 32034 in 2020-2024

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Percent
Less than $10,000 3.7
$10,000 to $14,999 2.4
$15,000 to $24,999 4.4
$25,000 to $34,999 5.4
$35,000 to $49,999 9
$50,000 to $74,999 13
$75,000 to $99,999 13.3
$100,000 to $149,999 19.4
$150,000 to $199,999 9.7
$200,000 or more 19.7

Median Earnings for Full-Time Year-Round Workers by Sex in 32034 in 2020-2024

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Dollars
Male 76283
Female 54062

An estimated 63.4% of households received earnings. An estimated 47.6% of households received Social Security and an estimated 42.4 % of households received retirement income other than Social Security. The average income from Social Security was $30,015. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 32034 in 2020-2024

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Percent
Earnings 63.4
Social Security 47.6
Retirement income 42.4
Supplemental Security Income (SSI) 4.8
Cash public assistance income 1.1

Poverty and Participation in Government Programs

In 2020-2024, 7.8 % of people were in poverty. An estimated 11.6% of children under 18 were below the poverty level, compared with 5.6% of people 65 years old and over. An estimated 8.1% of people 18 to 64 years were below the poverty level.

Poverty Rates in 32034 in 2020-2024

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Percent
People in poverty 7.8
Children under 18 years below poverty 11.6
People 65 years old and over below poverty 5.6
People 18 to 64 years below poverty 8.1

In 2020-2024, 4.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 52.3% of households that received SNAP had children under 18, and 48.1% of households that received SNAP had one or more people 60 years and over. An estimated 25.8% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 32034 in 2020-2024, 92.7% had health insurance coverage and 7.3% did not have health insurance coverage. Private coverage was 68% and public coverage was 45.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3.1%.


In 2020-2024, 32034 had a total population of 41,029 - 21,274 (51.9%) females and 19,755 (48.1%) males. The median age was 56.6 years. An estimated 14.6% of the population was under 18 years, 21.5% was 19 to 44 years, 30.2% was 45 to 64 years, and 32.7 % was 65 years and older.

Population by Age and Sex for 32034 in 2020-2024

Male Female
Under 5 452 784
5 to 9 950 1196
10 to 14 911 701
15 to 19 693 759
20 to 24 562 617
25 to 29 835 936
30 to 34 1043 791
35 to 39 869 1133
40 to 44 1127 892
45 to 49 941 852
50 to 54 1306 1357
55 to 59 1152 2186
60 to 64 2337 2246
65 to 69 2153 1977
70 to 74 1660 1953
75 to 79 1674 1263
80 to 84 614 1122
85 and over 476 509

Hispanic Origin and Race

For people reporting one race alone, 85.9% were White; 5.5% were Black or African American; 12.6% were American Indian and Alaska Native; 2% were Asian; 1.4% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 4.4% reported Two or More Races. An estimated 6.3% of the people in 32034 were Hispanic or Latino. An estimated 83.9% of the people in 32034 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 18,494 households in 32034. The average household size was 2.2 people.

Married-couple households made up 57.5% of the households in 32034 while cohabiting couple households made up 3.3% of households. Female householders with no spouse or partner present were 23.9% of all households, while 15.3% of households had male householders with no spouse or partner present. Some households had one person, as 11.4% of households were male householders living alone, and 16.7% were female householders living alone, for a total of 28.1% of all households.

In 32034, 20.1% of all households had one or more people under the age of 18; 49.8% of all households had one or more people 65 years and over.

Types of Households in 32034 in 2020-2024

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Percent
Married-couple households 57.5
Cohabiting Couples 3.3
Male Householder
No spouse/partner present
15.3
Female Householder
No spouse/partner present
23.9

Marital Status

Among persons 15 and older, 65.2% of males and 59.5% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 19.9 15.4
Now married, except separated 65.2 59.5
Separated 1.1 0.3
Widowed 5.8 9.8
Divorced 7.9 15

Grandparents and Grandchildren

In 32034, 735 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 32.4% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 94.9% of the people living in 32034 were U.S. natives. 29.1% of the 32034 population were living in the state where they were born.

Approximately 5.1% of 32034 residents in 2020-2024 were foreign-born. 68.2% of foreign-born were naturalized U.S. citizens and an estimated 82.5 % entered the country before the year 2010.

Foreign-born residents of 32034 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 32034.

Region of Birth for the Foreign-Born Population in 32034 in 2020-2024

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Percent
Latin America 30.6
Asia 22.3
Europe 35.7
Africa 3.3
Northern America 6.6
Oceania 1.5

Language

Among people at least five years old living in 32034 in 2020-2024, 6.9 % spoke a language other than English at home. Spanish was spoken by 4.4% of people at least five years old; 2% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 32034 in 2020-2024

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Percent
Spanish 4.4
Other Indo-European languages 1.5
Asian and Pacific Islander languages 0.8
Other languages 0.2

Geographic Mobility

In 2020-2024, 87.9 % of the people at least one year old living in 32034 were living in the same house one year earlier.

Geographic Mobility of Residents of 32034 in 2020-2024

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Percent
Same house 87.9
Different house, same county 3.6
Different county, same state 3
Different state 5.5
Abroad 0

Education

In 2020-2024, 96.3 % of people 25 years and over had at least graduated from high school and 53% had a bachelor's degree or higher. An estimated 3.7% did not complete high school.

The total school enrollment in 32034 was 6,437 in 2020-2024. Nursery school enrollment was 359 and kindergarten through 12th grade enrollment was 4,382. College or graduate school enrollment was 1,696.

Educational Attainment of People in 32034 in 2020-2024

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Percent
Less than high school diploma 3.7
High school diploma or equivalency 16.9
Some college, no degree 16.7
Associate's degree 9.8
Bachelor's degree 31.8
Graduate or professional degree 21.1

Disability

In 32034, among the civilian noninstitutionalized population in 2020-2024, 15.7 % reported a disability. The likelihood of having a disability varied by age - from 10.9% of people under 18 years old, to 13.1% of people 18 to 64 years old, and to 22.2% of those 65 and over.


Employment Status and Type of Employer

In 32034, 48.2 % of the population 16 and over were employed; 48.1% were not currently in the labor force.

An estimated 79.9% of the people employed were private wage and salary workers; 15.1% were federal, state, or local government workers; and 5 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 13,765 79.9
Federal, state, or local government workers 2,609 15.1
Self-employed workers in own not incorporated business 861 5

Industries

In 2020-2024, the civilian employed population 16 years and older in 32034 worked in the following industries:

Percent by Industry in 32034 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.9
Construction 5.6
Manufacturing 7.9
Wholesale trade 1.9
Retail trade 8.7
Transportation and warehousing, and utilities 7.1
Information 1.2
Finance and insurance, and real estate and rental and leasing 7
Professional, scientific, and management, and administrative and waste management services 15.8
Educational services, and health care and social assistance 21.4
Arts, entertainment, and recreation, and accommodation, and food services 10.4
Other Services, except public administration 3.9
Public administration 8.1

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 32034 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 8,001 46.4
Service occupations 2,424 14.1
Sales and office occupations 3,799 22
Natural resources, construction, and maintenance occupations 1,363 7.9
Production, transportation, and material moving occupations 1,648 9.6

Commuting to Work

An estimated 72.9% of 32034 workers drove to work alone in 2020-2024, and 5.7% carpooled. Among those who commuted to work, it took them on average 27.7 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 32034 in 2020-2024

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Percent
Car, truck, van -- drove alone 72.9
Car, truck, van -- carpooled 5.7
Public transportation (excluding taxicab) 0
Walked 0.7
Other means 1.1
Worked from home 19.6

In 2020-2024, 32034 had a total of 22,644 housing units. Of these housing units, 72.2% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 21.5% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 6.2% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 32034 in 2020-2024

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Percent
Single-family houses 72.2
Apartments in multi-unit structures 21.5
Mobile homes 6.2
Boat, RV, van, etc 0.1

23.7% of the housing inventory was comprised of houses built since 2010, while 3.7% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 32034 was 6 rooms, and of these housing units 74.4% had three or more bedrooms.


In 2020-2024, 32034 had 18,494 housing units that were occupied or had people living in them, while the remaining 4,150 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 82.8% while renters occupied 17.2%. The average household size of owner-occupied houses was 2.26 and in renter-occupied houses it was 1.9.

5.4% of householders of these occupied houses had moved into their house since 2021, while 4.1% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 3.8% and another 16.9% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 32034:

House Heating Fuel Used in 32034 in 2020-2024

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Percent
Gas 6.8
Electricity 91.1
Fuel oil, kerosene, etc 1
All other fuels 0.5
No fuel used 0.5

In 2020-2024, the median property value for owner-occupied houses in 32034 was $537,800.

Of the owner-occupied households, 52.7 % had a mortgage. 47.3% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $2,249 and for owners without a mortgage it was $880.

For renter-occupied houses, the median gross rent for 32034 was $1,605. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.