Fernandina Beach, FL vs Riviera Beach, FL

Riviera Beach is moderately more affordable than Fernandina Beach, with a 11.4% lower cost of living index. Fernandina Beach scores 122 compared to 110 for Riviera 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 Fernandina Beach is $1,581/month compared to $1,489/month in Riviera Beach — a 6% difference. Home values follow the same pattern: Riviera Beach is more affordable at $311,900 median vs $483,700.

Median household income in Fernandina Beach is $92,535 compared to $62,152 in Riviera Beach (+48.9%). 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 Fernandina Beach spend roughly 20.5% of their income on rent, less than the 28.7% in Riviera Beach.