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  3. Florida
  4. Fernandina Beach

Fernandina Beach, Florida

Short-Term Rental Market Data & Investment Analysis

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).

Avg Monthly Revenue
$4,264
↑ 20.5% YoY
49%
Occupancy
↑ 23.7% YoY
$322
Avg Daily Rate
↑ 6.8% YoY
65.3 days avg lead time4.4 avg length of stay

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.

Regulation59
Seasonality51
Investability84
Rental Demand86
Revenue Growth49

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

Monthly seasonal data for Fernandina Beach, Florida
MonthOccupancy
Jan40%
Feb63%
Mar68%
Apr59%
May57%
Jun73%
Jul73%
Aug48%
Sep47%
Oct51%
Nov40%
Dec36%

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.

#OperatorListingsReviewsRating
1Hodnett Cooper Vacation Rentals3496,784★ 4.72
2Vacasa2929,241★ 4.56
3RedAwning2364,646★ 4.46
4Lighthouse Vacations1878,334★ 4.86
5Real Escapes1846,523★ 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 mix
ChannelShare
airbnb18.3%
vrbo16.9%
both64.8%

Investment Analysis

The full investment analysis for Fernandina Beach — gross-yield math against current home values, plus 5-year monthly revenue, nightly-rate, and occupancy trend charts — is available to StaySTRA Pro members and updates monthly. The figures shown elsewhere on this page are the free market snapshot.

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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

What is the average daily rate for Airbnb and VRBO rentals in Fernandina Beach?
Fernandina Beach short-term rentals average $322 per night across all listing types. Nightly-rate breakdowns by property tier are available with StaySTRA Pro.
What is the occupancy rate for short-term rentals in Fernandina Beach?
Regional occupancy was 49.0% in September 2026, up 23.6% from a year earlier. Year to date 2026 occupancy averages 59.1%, and July is the peak month at 73.5% in the seasonal profile.
Can I run a short-term rental anywhere in Fernandina Beach?
No. Inside city limits, STRs are permitted only in R-3 zoning, unless an R-1 or R-2 property holds a valid permit that predates October 3, 2000. A Resort Rental Dwelling Permit is required, costing $300 new and $200 to renew.
What taxes apply to short-term rentals in Fernandina Beach?
The Florida side carries a 6% state sales tax plus a 5% Nassau County Tourist Development Tax, for a combined 11% on rentals of six months or less.
How much revenue does a short-term rental earn per month?
Across all listing types, Fernandina Beach short-term rentals average $4,264 per month. Breakdowns by property type, bedroom count, and season are available with StaySTRA Pro, or run a free address-level estimate with the StaySTRA Analyzer.
What are the best and worst months for STR demand?
July is strongest at 73.5% occupancy and $6,720 in revenue. December is the weakest at 36.2% occupancy and $2,640, while January has the lowest revenue at $2,446. The occupancy swing is 37.3 points.
How much does a home cost in Fernandina Beach?
The typical home value is $610,615 and the median sale price is $649,000. Homes sell at 96.9% of list price and reach pending status in a median of 57 days.
Fernandina Beach, FloridaRev $4,264ADR $322Occ 49%Score D (55)

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Table of Contents

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Quick Facts: Amelia/St. Simons/Jekyll Islands market area

Avg Daily Rate
$322
Occupancy Rate
49%
Avg Revenue/Mo
$4,264
Fernandina Beach Population
104,376

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