Fernandina Beach and Amelia Island 32034: What 12 Months of MLS Data Show

Picture a Saturday on Centre Street in Fernandina Beach. The shrimp boats are tied up at the harbor, someone is walking a dog past the old storefronts, and you are holding a printout of three listings you want to see before lunch. One is a cottage a few blocks from downtown. One is a condo near Main Beach. One is a newer home on the south end of Amelia Island. They are all in the same ZIP code, and the prices are nowhere near each other.

That is the 32034 market in a sentence. Before you fall for a house on the island, it helps to know what the last year actually looked like.

What the 32034 ZIP code covers

The 32034 ZIP code takes in the city of Fernandina Beach and Amelia Island, along with some of the mainland just west of the island. That mix matters. Historic downtown homes, oceanfront condos, golf and resort communities on the south end, and newer neighborhoods off the island all land in the same set of numbers.

Every figure below comes from FlexMLS for the 32034 ZIP code, residential property including condos and townhomes, October 2025 through September 2026. Treat them as the big picture. Your street and your price range can behave differently.

Prices: a wide band, not a straight line

• Median sold price, September 2026: $570,000.
• Range of monthly medians over 12 months: $535,000 (May 2026) to $667,500 (November 2025).
• Average sold price, September 2026: about $636,000.
• Median list price of active homes, September 2026: $675,000.

Two things stand out. First, the monthly median moves around a lot, because a handful of oceanfront or resort sales in a slow month can pull it up. Second, the median asking price of homes still for sale, $675,000, sits well above the median of what actually sold. Some of that is the mix of what is left on the market, and some of it is sellers testing a number buyers have not agreed to yet.

If you are buying, that gap is useful. If you are selling, it is a warning to price from closed sales, not from your neighbors' asking prices.

Inventory: a little tighter than a year ago

• Active listings, September 2026: 300, down from 355 in October 2025.
• New listings over 12 months: 1,024, with a high of 113 in May 2026 and a low of 51 in December 2025.
• Pending sales over 12 months: 677.
• Sold listings over 12 months: 665, or about 55 a month.

With 300 homes for sale and about 55 sales a month, 32034 had roughly five and a half months of supply in September. Most people in the business call six months a balanced market. So Amelia Island is not a frenzy, and it is not a fire sale either. Good homes at fair prices still move. Overpriced homes sit.

How long homes take to sell

Average days on market for homes that sold in September 2026 was 90.8 days. Over the year it ranged from 49.2 days in May to 99.5 days in November 2025.

That is slower than many buyers coming from the Northeast or the Midwest expect, and it reflects a market with plenty of second homes and buyers who take their time. For you as a buyer, it often means you can see a home twice, bring family down for a weekend and still have it available. For you as a seller, it means planning for a three month runway, not three weeks.

How much room there is to negotiate

• Sale price to final list price, September 2026: 96.8 percent. Range over 12 months: 94.9 to 98.5 percent.
• Sale price to original list price, September 2026: 94.0 percent. Range over 12 months: 91.1 to 95.7 percent.

On a $600,000 home, 96.8 percent works out to roughly a $19,000 difference between the final asking price and the sale price. The bigger gap against the original price tells you many sellers started high and reduced before they found a buyer.

Negotiation in 32034 is rarely just about price, though. Insurance quotes, the age of the roof, flood zone, and for condos the association's reserves and recent inspections all shape what a buyer will pay. I covered the condo side in more detail in Florida's condo reserve rules and the coastal condo market.

How Amelia Island compares with Ponte Vedra Beach

A lot of buyers weigh Amelia Island against Ponte Vedra Beach. Over the same twelve months, the 32082 ZIP code in Ponte Vedra Beach posted a September median sold price of $1,000,000 and about 226 active listings, so the entry point on Amelia Island is noticeably lower. Ponte Vedra puts you closer to Jacksonville's airport, hospitals and job centers. Amelia Island trades a longer drive for a small town downtown and a quieter island pace.

Neither is better. They are different lives. If you are still learning the island, our Amelia Island and Fernandina Beach buyer's guide is a good place to start.

Frequently Asked Questions

What is the median home price in Fernandina Beach 32034?

FlexMLS shows a median residential sold price of $570,000 in September 2026 for 32034, with monthly medians between $535,000 and $667,500 over the prior twelve months. The figures include condos and townhomes.

Is Amelia Island a buyer's market right now?

With about five and a half months of supply in September 2026, 32034 sits close to balanced. Buyers have room to negotiate on homes that are overpriced or need work, while well priced homes still sell.

How long does it take to sell a home in Fernandina Beach?

Homes that sold in September 2026 averaged about 91 days on market. Over the year the average ranged from about 49 days in May to about 100 days in November 2025.

How many homes are for sale on Amelia Island?

There were 300 active residential listings in 32034 in September 2026, down from 355 in October 2025, according to FlexMLS.

How much below asking do homes sell in 32034?

In September 2026, homes sold for 96.8 percent of their final list price and 94.0 percent of their original list price.

Search Homes in Fernandina Beach and Amelia Island

What To Do Right Now

1. Decide which part of 32034 fits your life: downtown Fernandina, near the beach, the south end of the island or the mainland side.
2. Choose between a single family home and a condo early, because the costs and the rules are different.
3. For any listing you like, check the original list price and the days on market before you write an offer.
4. Get insurance and flood quotes on a specific address before you commit.
5. Call or text me at (904) 863-6679 for a sales report on the exact streets you are considering.

Cover photo: Amelia Island Shrimp Boat by Jack Kennard from Atlanta, USA, CC BY 2.0, via Wikimedia Commons.