Dunedin, FL vs Fernandina Beach, FL

Dunedin is moderately more affordable than Fernandina Beach, with a 10.1% lower cost of living index. Dunedin scores 110 compared to 122 for Fernandina Beach, where the US average is 100. This difference means residents of Fernandina Beach can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Dunedin is $1,523/month compared to $1,581/month in Fernandina Beach — a 4% difference. Home values follow the same pattern: Dunedin is more affordable at $341,700 median vs $483,700.

Median household income in Dunedin is $68,068 compared to $92,535 in Fernandina Beach (-26.4%). While Fernandina Beach is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Dunedin spend roughly 26.8% of their income on rent, more than the 20.5% in Fernandina Beach.