Fernandina Beach, FL vs Royal Palm Beach, FL

Fernandina Beach is moderately more affordable than Royal Palm Beach, with a 11% lower cost of living index. Fernandina Beach scores 122 compared to 138 for Royal Palm Beach, where the US average is 100. This difference means residents of Royal Palm 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 $2,192/month in Royal Palm Beach — a 28% difference. Interestingly, home values tell a different story: while Fernandina Beach has cheaper rent, Royal Palm Beach actually has lower median home values ($389,300 vs $483,700).

Median household income in Fernandina Beach is $92,535 compared to $92,382 in Royal Palm Beach (+0.2%). Fernandina Beach 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 28.5% in Royal Palm Beach.