Fernandina Beach, Florida Short-Term Rental Market
R-3 zoning only in Fernandina Beach; September 2026 Amelia Island region ADR $322, occupancy 49.0%, monthly revenue $4,264.
Quick Answer: Fernandina Beach, Florida is an active short-term rental market. average occupancy in the Amelia/St. Simons/Jekyll Islands market area is 49%. average monthly revenue in the Amelia/St. Simons/Jekyll Islands market area is $4,264. average daily rate in the Amelia/St. Simons/Jekyll Islands market area is $322. the top operator in the Amelia/St. Simons/Jekyll Islands market area is Hodnett Cooper Vacation Rentals with 349 listings. market score is 55/100 (grade D).
Market data reflects the Amelia/St. Simons/Jekyll Islands regional market, which includes Fernandina Beach. Regulations, taxes, and permit details below are specific to Fernandina Beach.
Market Score Breakdown
Five dimensions StaySTRA evaluates per market.
Market Overview
This profile covers Fernandina Beach, Florida, on Amelia Island, using performance data tracked for the Amelia Island and Georgia Golden Isles coastal STR market, a stretch of Atlantic coast that also includes Jekyll Island and St. Simons Island, Georgia. Every performance figure below describes that shared coastal region rather than Fernandina Beach alone. The latest data month is September 2026. In that month the region’s average daily rate was $322 and occupancy was 49.0%, producing average monthly revenue of $4,264 per listing. Compared with September 2025, occupancy is up 23.6%, ADR is up 1.8%, and revenue is up 20.4%, so the gain comes almost entirely from more booked nights rather than higher rates. Entire home ADR is $325, and luxury listings reach $525 per night. Across a full calendar year, the seasonal profile sums to $49,453 in annual revenue per listing. Year to date 2026 (nine months) averages 59.1% occupancy, a $343 ADR, and $5,462 in monthly revenue, ahead of the 2025 full year at 54.4%, $330, and $4,899. The market has grown steadily since 2017, when occupancy was 39.8% and monthly revenue averaged $2,625. Demand rests on a large visitor economy. Nassau County tourism generated more than $1.2 billion in total economic impact in 2023, with direct visitor spending near $900 million, and tourism accounts for 27.8% of all jobs in the county. The Amelia Island CVB reported 358,100 visitors in the second quarter of 2024 alone, generating $224.9 million in direct spending. Visitors skew toward higher incomes, with a median age near 56, and come for golf, beaches, the Fernandina Beach Historic District, Fort Clinch State Park, and events such as the Amelia Concours d’Elegance each March. Bedroom, channel, and listing type counts, along with top operator names, are tracked at a shared regional level rather than uniquely for Fernandina Beach, so this profile omits them.
Seasonal Patterns
| Month | Occupancy |
|---|---|
| Jan | 40% |
| Feb | 63% |
| Mar | 68% |
| Apr | 59% |
| May | 57% |
| Jun | 73% |
| Jul | 73% |
| Aug | 48% |
| Sep | 47% |
| Oct | 51% |
| Nov | 40% |
| Dec | 36% |
Month-by-month nightly rates and revenue figures for Fernandina Beach are available to StaySTRA Pro members. Unlock with StaySTRA Pro or analyze a specific address free.
Top Short-Term Rental Operators in Amelia/St. Simons/Jekyll Islands market area
Ranked by total active listings. Useful for understanding the competitive landscape. Operator data is published for the Amelia/St. Simons/Jekyll Islands market as a whole, which includes Fernandina Beach, so these counts are not Fernandina Beach-only figures.
| # | Operator | Listings | Reviews | Rating |
|---|---|---|---|---|
| 1 | Hodnett Cooper Vacation Rentals | 349 | 6,784 | ★ 4.72 |
| 2 | Vacasa | 292 | 9,241 | ★ 4.56 |
| 3 | RedAwning | 236 | 4,646 | ★ 4.46 |
| 4 | Lighthouse Vacations | 187 | 8,334 | ★ 4.86 |
| 5 | Real Escapes | 184 | 6,523 | ★ 4.68 |
What Kind of STR Should I Buy in Fernandina Beach?
Revenue and nightly-rate breakdowns by bedroom count, property tier, and dwelling type for Fernandina Beach are available to StaySTRA Pro members. Unlock with StaySTRA Pro or analyze a specific address free.
Booking Channel Mix
Distribution of bookings across major STR platforms.
| Channel | Share |
|---|---|
| airbnb | 18.3% |
| vrbo | 16.9% |
| both | 64.8% |
Home Value Trends (Fernandina Beach)
Typical home values, median sale prices, and the 10-year price trend for Fernandina Beach are available to StaySTRA Pro members. Unlock with StaySTRA Pro or analyze a specific address free.
Booking Insights
Booking-window and length-of-stay analysis for Fernandina Beach — how far ahead guests book and how to price around it — is available to StaySTRA Pro members. Unlock with StaySTRA Pro or analyze a specific address free.
Short-Term Rental Regulations
Short-term rentals are permitted, but the gate is zoning. Inside Fernandina Beach city limits, STRs are allowed only in R-3 (High Density Residential) zoning. R-1 and R-2 properties qualify only if grandfathered with a valid permit that predates October 3, 2000 (Ordinance 2000-28). Operators need a Resort Rental Dwelling Permit (RRDP) from the City Building Department. A new permit costs $300 and renewal costs $200, renewed annually, with the permit year running October 1 to September 30. Operators also need a Florida DBPR Public Lodging License, a Florida Sales Tax Identification Number, and Nassau County Tourist Development Tax registration. The RRDP number must appear in all advertisements, and a local contact must be available 24/7 and able to respond within 30 minutes. Taxes on the Florida side are 6% state sales tax plus a 5% Nassau County Tourist Development Tax, for a combined 11% on rentals of six months or less. Neither owner occupancy nor primary residence is required. Unincorporated Nassau County follows state licensing without a separate county STR permit. Enforcement severity is rated moderate. On the Georgia side of the region, Jekyll Island requires a Jekyll Island Authority Rental License at $75 per year, and St. Simons Island requires a Glynn County Short-Term Rental Certificate. Glynn County raised its hotel-motel excise tax from 5% to 7% on July 1, 2025, with Jekyll Island exempt, and moved certificates to the OpenGov platform beginning November 2025. Confirm current rules with each jurisdiction before buying.
Market Comparison
The Amelia Island and Georgia Golden Isles coastal STR market shows a clear split between rate and volume. September 2026 occupancy of 49.0% sits well below the year to date 2026 average of 59.1%, while the September ADR of $322 trails the 2026 year to date ADR of $343. The 2025 full year came in at 54.4% occupancy and a $330 ADR. This is a rate driven market with heavy seasonality: summer months reach 72.8% and 73.5% occupancy, while December falls to 36.2%. Revenue growth of 20.4% year over year in September 2026 shows the market recovering volume after several years of softer occupancy, from 61.0% in 2021 to 54.0% in 2024. Top operator names are tracked at a shared regional level rather than uniquely for Fernandina Beach, so this profile omits them. Investors comparing this region with other coastal markets should weigh the higher nightly rates against the longer low season and the R-3 zoning limit on eligible properties.
Frequently Asked Questions About Fernandina Beach, Florida
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