Fernandina Beach, FL vs Navarre, FL

Fernandina Beach, FL and Navarre, FL have a very similar cost of living, with only a 4.7% difference in their overall index. Fernandina Beach scores 122 while Navarre scores 117 on the cost of living index, where 100 represents the national average. The day-to-day expenses for residents in both cities are comparable, though differences emerge when looking at specific categories.

On the housing front, median rent in Fernandina Beach is $1,581/month compared to $1,797/month in Navarre — a 12% difference. Interestingly, home values tell a different story: while Fernandina Beach has cheaper rent, Navarre actually has lower median home values ($352,300 vs $483,700).

Median household income in Fernandina Beach is $92,535 compared to $98,522 in Navarre (-6.1%). Navarre offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Fernandina Beach spend roughly 20.5% of their income on rent, less than the 21.9% in Navarre.