Fernandina Beach, Florida

What Fernandina Beach is made of: the communities whose institutions are here, the sectors its 1,916 businesses sit in, the franchises already on the ground, and the services a newcomer could start.

1,916 businesses on file · 118 trades · 33 sectors · census population 13,239 · registry population 13,239 · built from geonet.jacksonville on 2026-10-07

Businesses1,916
99% carry coordinates
Specialised in12
trades above the national pattern
Best suited toSeniors
on the census signals below
Franchise brands36
already operating here

Visiting rather than moving? The free guidebook for Fernandina Beach → — the free guidebook for this region: why go, what to see, what is open when it rains.

1

The local economy

What the business base is made of, what it is specialised in against the national pattern, and what that mix implies. This is the part a development office would read first.

Composition, not health. geonet records what trades exist and where; it does not record formation, closure, employment or revenue, so none of those appear here. What makes this economics rather than a directory is the NAICS coding: it lets the local mix be read against the BLS survival curves and against the 323 industry groups this research has screened.

The two biggest markets here

Every industry group on this page links through to its NAICS page, and to the screened market report where this research has one — that is what the trait-to-NAICS coding buys.

Business density144.7
businesses per 1,000 residents, against the 2021 census count of 13,239
Breadth of the base379
broad — 87 industry groups, top three 25.9%
Survival the mix implies56.9%
at five years, against 51.4% for all private establishments
Coded to NAICS57.2%
of which 77.3% unambiguous

What this city is specialised in

Location quotient is this city's share of a trade divided by the same share across 10 US metro tables. Above 1.25 is the conventional threshold for a local specialisation.

The base against the entry screen

Businesses by the entry signal of the industry group they sit in, from the /markets screen. A large "structure decides" share means most local trades are ones where being better than the incumbent does not by itself win. A trade is matched to the screened record at whatever level the research wrote it — the same code, a broader one, or a narrower one. Where a group holds several screened sub-markets the count is shown, because no single one of them speaks for the whole group.

Enter
21.8%
239 businesses
Caution
50.5%
554 businesses
Structure decides
27.6%
303 businesses
Not screened
0%
0 businesses

How to read the survival figure

Each sector's five-year establishment survival rate, weighted by how many of this city's businesses sit in that sector. It is a property of the MIX, not of these businesses — it says what survival this composition would imply at US private-sector rates, because no Canadian equivalent series exists.

Weighted over 96% of the coded base — public administration carries no curve. Source: Business Employment Dynamics — Table 7, Survival of private sector establishments by opening year, US Bureau of Labor Statistics.

And what it does not measure

A "mixed" trait is one that genuinely spans codes — "computers" covers systems design, repair and supply. The clear share is how much of this reading rests on unambiguous coding. Business density also reflects how completely the directory covers a place, not only how many businesses are in it — so it compares poorly between a city the register knows well and one it does not.

2

Who lives here, and who the city is for

The census: the only figures on this page that count people rather than businesses, and the three cohort readings they make possible.

The register says what trades exist. The census says who lives here — and it is the only thing on this page that counts people. Figures are American Community Survey 2019–2023 five-year estimates for Fernandina Beach city, Florida, the incorporated place, which is the city proper, and every comparison is against the United States as a whole, from the same ACS tables.

Detailed language is not published for American places. B16001, the table with individual languages, has no place-level rows; C16001 is what exists, and it names six languages and groups the rest into families. A Canadian city on this site names about forty.

Population13,239
census 2021
Median age58.3
against 38.7 nationally
Immigrants5.4%
against 13.9% nationally
Median rent$1,581
against $1,348 nationally

Who the city is for

Three readings, each built from real numbers against real benchmarks. This is not an index. Every signal is shown with its own value, its benchmark and which way it points, and the band simply counts how many point the same way — so a reader who disagrees with one signal can drop it and still use the rest.

Seniors

strong

Is this a place to grow old, and is the care here?

Residents 65 and over 37.7% ▲16.8%
Residents 85 and overthe group that needs care rather than the group that is merely retired 3.4% ▲1.9%
Median age 58.3 years ▲38.7 years
Poverty ratethe US poverty threshold — a different definition from the Canadian pages, and not comparable to them 8.7% ▲12.4%
Medical clinics per 1,000 residentsfrom the business register 0.08 –
Pharmacies per 1,000 residentsfrom the business register 0.68 –
Median rent 1581 $/mo ▼1348 $/mo

A high share of over-65s says other people made this choice; it does not say the care exists. The register has no category for a hospital at all, so distance to an emergency department is still missing.

Students and young adults

thin

Is there a reason to be here between 19 and 25, and can they afford it?

Residents 20 to 24 4% ▼6.5%
Residents 15 to 19the cohort arriving next 2.5% ▼6.5%
Renter householdsa rental market is what makes a place possible to move to 21.3% ▼35%
Median rent 1581 $/mo ▼1348 $/mo
Unemployment rate 2.6% ▲5.2%
Degree holders in the adult population 51.1% ▲35%
Drinking places and recreationfrom the register 13 –

Post-secondary institutions in the city are listed further down this page; where there are none, a high 20-to-24 share usually means work rather than study.

Newcomers and other-language speakers

moderate

Is there already a community here, and has anyone built anything for it?

Foreign-born residents 5.4% ▼13.9%
Arrived 2010 or laterthe band the ACS publishes; the Canadian pages use 2016 to 2021, so the two are not comparable 5.9% ▼29.4%
Speak a language other than English at home 3.9% –
Language groups above the reporting floor 1 –
Median household income 92535 $ ▲78538 $

The American census does not publish individual languages for a city — only the eleven groups below, six of which are single languages. A Canadian city on this site names about forty, so the two sections are not the same depth and should not be read as if they were.

What is spoken at home, and whether anyone built for it

The register-versus-census cross-check on the Canadian pages is not possible here: the ACS publishes language in groups, so "Other Indo-European languages" cannot be matched against an institution that names a community.

Spoken most often at homeSpeakers ShareCommunity in the register Institutions
Spanish 518 3.9% not mapped to a marker 0

The rest of the profile

CharacteristicHereCanada
Residents 65 and over 37.7% 16.8%
Residents 85 and over 3.4% 1.9%
Residents 20 to 24 4% 6.5%
Arrived 2016 to 2021 5.9% 29.4%
Non-permanent residents — —
Speak a non-official language at home 3.9% —
Renter households 21.3% 35%
Spending 30% or more on shelter — —
Participation rate 51.7% 63.5%
Unemployment rate 2.6% 5.2%
Median household income, 2020 92535 $ —
Median after-tax household income, 2020 — —
Prevalence of low income (LIM-AT) 8.7% —
Bachelor degree or higher 51.1% —

The one thing to keep in mind

Five-year estimates pooled over 2019–2023, so a figure is an average of the period rather than a single year, and every value carries a margin of error this extract does not keep. Unlike the Canadian census, which counts everyone, the ACS is a sample — a small place's figures are correspondingly uncertain. ACS five-year estimate for the incorporated place, which is the city proper. It will differ from the figure in wander.regions, which is sometimes a metropolitan population.

Source: American Community Survey 2019–2023 five-year estimates — Table-based summary file, 2023, United States Census Bureau, under the US federal government work, public domain. National comparison: The United States row of the same ACS tables, not an average of places — roughly a third of Americans live outside any incorporated place, so summing places would understate the country.

3

The communities the register shows

A community appears in the business register before it appears in prose — a national church, a society, a credit union, a newspaper. Those are counted as institutions, and they are what suggests residents. A restaurant serving a cuisine is counted separately as trade, because every city has those and they say nothing about who lives nearby. The ranking is by institutions.

CommunityInstitutions WorshipTrade Where it shows
Spanish-speaking — — 4
Dutch — — 3
Italian — — 2
French — — 2
Caribbean — — 2
German — — 1
Irish — — 1
Scottish — — 1
5

What the city is made of

Every business on file, grouped by the sector it trades in. This is the economic-development view: where the 1,916 businesses actually are, and the specific trades inside each sector.

SectorBusinesses ShareWhat is in it
Construction 154 8% home builder (67) · general contractor (18) · painting (13) · plumbing (11) · carpet (10) · concrete (8) · heating and cooling (7) · flooring (6)
Living 108 5.6% place of worship (43) · furniture (20) · cleaning (12) · apartment (11) · veterinary (5) · daycare (4) · appliances (4) · janitor (3)
Business 104 5.4% government (42) · consulting (28) · association (13) · accounting (7) · cemetary (1) · auction (1) · real estate (1)
Realty 94 4.9% real estate (93) · realtor (1)
Retail 93 4.9% gifts (26) · antiques (13) · convenience (11) · photography (10) · jeweler (9) · department store (8) · pet supply (5) · flowers (5)
Dining 82 4.3% restaurant (72) · pizza (6) · pubs (2) · fast food (1) · burgers (1)
Finance 65 3.4% insurance (23) · bank (21) · real estate (15) · credit union (3) · mortgage (1)
Beauty 60 3.1% hair stylist (36) · dentist (11) · barber (3)
Health 60 3.1% physician (26) · pharmacy (6) · chiro (3) · optical (3) · home healthcare (2) · fitness club (1) · medical supplier (1) · medical clinic (1)
Automotive 48 2.5% autos (20) · auto repair (5) · detailing (3) · tires (1) · auto parts (1) · scooter (1)
Living & Home 44 2.3%
Law 39 2% lawyer (10) · mediator (2)
Agribusiness 38 2% landscaping (34) · forestry (3) · irrigation (1)
Construction & Realty 36 1.9%
Travel 35 1.8% motel (11) · travel agent (7) · bnb (6) · parking (2) · bank (1) · hotel (1) · real estate (1)
Food 31 1.6% seafood (12) · grocer (11) · ice cream (6) · catering (2)
Education 28 1.5% school (21) · writing (2) · garden (2) · library (1)
Sports 25 1.3% boating marine (11) · golf course (9) · martial arts (2) · golf equipment (2) · horse (1)
Retail Goods 23 1.2%
Media 22 1.1% signs (9) · books (5) · advertising (5) · printing (3)
6

The franchises already here

Brands from a register of 2,024 franchise systems, matched into this city by name. A high count is a signal in both directions: the territory works, and it may be taken.

11 of these brands are a single common word — Metro, Avenue, Budget — so their counts include businesses that merely share the word. They are marked rather than dropped.

BrandCategory HereWorldwide
Bank of America bank 4 —
Best Western businesshotel 2 4,200
Wal-Mart retail 2 6,500
Assist-2-Sell realestate 1 630
Burger King fastfood 1 11,000
Carlson Wagonlit Travel travel 1 4,300
Cold Stone Creamery dessert 1 1,350
Curves For Women fitness 1 10,000
CVS Pharmacy pharmacy 1 6,100
Dairy Queen fastfood 1 5,900
Dollar General convenience 1 8,205
Enterprise Rent A Car car 1 5,400
Firehouse Subs deli 1 320
Food Lion supermarket 1 1,220
Harris Teeter supermarket 1 164
Huddle House food 1 400
Jackson Hewitt Tax Service tax 1 —
Lands' End retail 1 19
Matco Tools auto 1 1,466
Merle Norman Cosmetics retail 1 2,000
Mr. Handyman specialty 1 —
Pizza Hut pizza 1 10,000
Taco Bell tacos 1 5,845
West Marine specialty 1 400
Winn-Dixie supermarket 1 525
Michaels name only retail 3 805
Hallmark name only greetingcards 2 5,600
Sears name only inc 2 2,300
AllState name only insurance 1 —
HESS name only fuel 1 1,250
Krystal name only fastfood 1 400
Petland name only pet 1 200
Progressive name only supermarket 1 150
Publix name only supermarket 1 889
Walgreens name only pharmacy 1 4,000
YMCA name only fitness 1 —
7

Real estate as a local trade

Four unrelated jobs share the name: selling existing homes, owning and letting them, managing them for someone else, and building new ones. For anyone weighing a move or a licence these are the counts — and the ownership question goes to /property, which answers it building by building.

Real estate is a local job market in its own right, and four unrelated trades get the same name. Counts are businesses filed under each trade in the register, which lists a brokerage once however many agents work there — so this measures firms, not licensees.

Selling homes

5312
113 firms · LQ 1.29

Offices of agents and brokers — the resale market, and the biggest single trade in most Canadian cities.

Named in the register
  • Allegiance Development LP — 961687 Gateway Blvd
  • Assist 2 Sell Middlekauff Rlty — 1924 S 14th St
  • Coldwell Banker — 311 Centre St
  • Don Brown Realty — 85000 Wainscott Ct
  • Fairwind Mortgage and Investment — 86104 Eastport Dr
  • Heritage Realty and Management — PO Box 1165
  • North Hampton Amenity Info Center — 24050 N Hampton Club Way
  • Rayland Co — 1901 Island Walk Way
  • Realty Executives Amelia Islnd — 503 Centre St
  • Starmax Properties — 961687 Gateway Blvd
  • Summer Beach Realty — 95101 Amalfi Dr
  • Taylor Inspection Service
  • Trevett Homes — PO Box 1200
  • Wells Fargo Home Mortgage — 1897 Island Walk Way

Owning and letting

5311
11 firms · LQ 0.87

Lessors of real estate: the buildings themselves, filed under the building rather than the owner.

Named in the register
  • A T C Development — 123 W Hirth Rd
  • Amelia Apartment Homes — 1601 Nectarine St
  • Atlantis On Amelia — 3420 S Fletcher Ave
  • Buccaneer Villas — 1100 Lime St
  • Countryside Apartments — 1105 S 13th St
  • Murray Hill Apartments — 1655 Lime St
  • Nassau Club Apartments — 95150 Woodbridge Pkwy
  • Nassau Lake Apartments — 30874 Paradise Commons
  • Peppertree Village — 1200 S 15th St
  • Post Oak — 996 Citrona Dr
  • Summer Woods Apartments — 5081 Sabal Palm Rd

Building new homes

2361
86 firms · LQ 2.75

Residential builders and the general contractors who work for them.

Named in the register
  • Bay Sands Construction — P.O. BOX 15106
  • Bernard Head — 823 Oak Ln
  • Chism Development Co — PO Box 712
  • Coastal Bldg Systems of Amelia — P.O. BOX 1509
  • Compass Group — 961687 Gateway Blvd
  • Coppenbarger Homes — 96316 Ridgewood Cir
  • Engle Homes — 11945 San Jose Blvd
  • Hardaway Construction — 1700 Beach Walker Rd
  • Highway Dept and Motor Vehicle — 68130 License Rd
  • John B Williams — 2116 Cedar St
  • McGowen Construction Co — 1326 S 10th St
  • Patrick Mc Carthy Constr Co — 5 Wax Myrtle Rd
  • Walter Jones Construction — PO Box 1586
  • Your Personal Carpenter — 5480 MARSHVIEW LN

Financing it

5222
1 firms · LQ 0.16

Mortgage brokers and non-bank lenders.

Named in the register
  • Nationwide Home Equity — 1743 S 8th St

On "how many doors"

How many doors a landlord holds is not in any of this. The register files an apartment building under the building, not its owner, and carries no unit count; there is no open dataset of Canadian landlords by portfolio. Where this research has established ownership it is in the /property record for the city, building by building, which is a different and much slower exercise.

8

Work where you go to them

The Ultimate 411 half of local: everything where the customer does not have to come to you.

A shop needs the customer to walk in. These 157 services do the opposite — the mobile mechanic, the mobile groomer, the bookkeeper, the junk haul — and they are the ones a person can start without a lease. 0 of them already match a trait filed in this city's register.

The 157 Service=1 rows in search.local: work where the provider travels to the customer. "present" counts businesses already filed under that exact trait name; a blank is a coverage gap, not proof of absence, because the two vocabularies were built separately.

home services

Short-Term Rental TurnoverAppliance InstallationBabyproofing & Safety InstallsCarpet & Upholstery CleaningDeep CleaningDrywall RepairErrand RunningExterior PaintingFence & Deck StainingFurniture AssemblyGarden Weeding & MaintenanceGrocery Pickup & DeliveryGutter CleaningHandyman (General Repairs)Hedge & Shrub TrimmingHouse CleaningHouse SittingInterior PaintingJunk Removal & Dump RunsLandscape Design & PlantingLawn MowingFall Leaf CleanupMove-In / Move-Out CleaningMoving Help (Labour Only)Moving with TruckOffice CleaningPersonal ShopperPressure WashingMove Things Around the HouseSnow Shovelling & RemovalPacking & UnpackingTV & Picture MountingWardrobe StylingWindow Cleaning

events

BartenderDesignated Driver (Your Car)CateringTents, Tables & ChairsFloristFuneral & Celebration of Life ArrangementsGame-Day Bus or VanBook a Pub for Your GroupKaraoke Machine RentalParty Bus & Group ShuttlePub Crawl HostTaxi to the PubSports & Game PhotographyStag & Doe / Jack & Jill PlanningTailgate Party SetupTrivia Night HostVenue SourcingBig-Game Watch Party SetupWedding OfficiantWedding Planner / Coordinator

pets

Aquarium & Terrarium CleaningCatio (Cat Patio) BuildChicken Coop BuildDog House BuildDog TrainingDog WalkingHome Pet BoardingLost Pet SearchMobile Dog GroomingOvernight Pet SittingBuild & Install a Pet DoorPet Cages & EnclosuresPet Fencing & Dog RunsPet PhotographyPet-Proofing Your HomePet Sitting & Dog WalkingPet TaxiYard Poop Scooping

luxury

Chauffeur & Luxury CarDJ & Sound Gear RentalDJEvent PhotographerEvent PlannerLive MusiciansHair & Makeup ArtistMatchmakerPersonal ConciergePortrait & Headshot PhotographerPrivate ChefVideographerVIP / Social Club MembershipWedding PhotographerYacht & Boat Charter

healthcare

Wheelchair-Accessible TransportGrab Bars, Ramps & Home AccessibilityLight Housekeeping for SeniorsCooking & Meal Prep for SeniorsMedical Appointment EscortMedication & Appointment RemindersMobility Equipment RentalRespite Care for Family CaregiversSenior CompanionshipTech Help for SeniorsWalking Companion

sporting goods

Bike Tune-UpBorrow a Bike or E-BikeBorrow Camping GearBorrow Golf ClubsBorrow Hockey GearBorrow Ice SkatesBorrow a Kayak, Canoe or PaddleboardBorrow Skis, Poles & Ski BootsBorrow a Snowboard & Snow BootsSkate SharpeningSki & Snowboard Tuning

sports

Backyard Rink BuildLocal Fishing GuideGolf CaddieFind Players for a Pickup GamePrivate Sports LessonJoin or Build a Rec League TeamBook Ice, Courts & FieldsWorkout & Sports BuddyRoommates Who Also Like Sports

business

BookkeepingStart a Local BusinessCareer Coaching & RésumésFind a Local ManufacturerFind Local Work / Contract GigsLocal Advertising PlacementPrototype & Small-Batch ProductionTranslation & InterpretationWebsite & Online Presence

outdoors

Brush & Land ClearingChainsaw Rental (from a local owner)Firewood (Cut, Split & Delivered)Log Bucking & Cutting (Chainsaw)Portable SawmillingSmall-Lot Logging & Land ClearingStump GrindingTree FellingWood Splitting

construction

CarpenterElectricianHeating & Cooling (HVAC)Mobile MechanicPlumberRoof RepairSmall Engine RepairWelder / Metal Fabrication

travel

Airport Transfer & Car ServiceCorporate & Business TravelCruise BookingFamily Travel for a WeddingBereavement / Funeral TravelLeisure Travel PlanningLocal Tour Guide

tools

Camera & Lens RentalGenerator RentalLog Splitter RentalParty Equipment RentalPower Tool RentalTrailer & Truck Rental
9

Schools and colleges

wander.schools is a post-secondary table — universities and colleges. K-12 public and private schools are not in it, and only 7 of its 1,686 rows carry coordinates, so these are listed and not mapped.

In the business register

Where schooling shows up as a business rather than an institution — which is where K-12, tutoring and childcare appear.

school 21daycare 4
10

Health and care

What a person moving a parent here would ask first. The register files clinics and pharmacies; it has no category for a hospital at all, so hospitals are matched by name and the limit is stated rather than hidden.

Medical clinics1
Pharmacies6
Dental practices11

Matched on the name "hospital"

  • Amelia Island Animal Hospital — 1470 S 8th St

geonet carries no 'hospital' trait, so these are matched on the business name. A distance-to-hospital figure needs a source that states hospital locations.

12

What this record cannot tell you

Named in full, because the gaps are the part most likely to be misread as an answer.

  • Census figures are 2021, taken on 11 May 2021: income is for 2020 and the labour figures were measured mid-pandemic, so the unemployment rate on this page is a 2021 reading rather than a current one.
  • wander.schools is now readable, but it holds universities and colleges only and 1,679 of its 1,686 rows have no coordinates. K-12 public and private schools need a separate source — in Ontario the Ministry of Education school finder, in British Columbia the provincial school list. wander.citytowns, hotels and territories remain denied to the ru user.
  • No 'hospital' trait exists in geonet; distance to a hospital needs an external source such as StatCan's Open Database of Healthcare Facilities.
  • 1.2% of businesses here carry no coordinates, so a map or address lookup would miss them. Postal codes reach 100%.

Built from

  • geonet.jacksonville — the local business register
  • wander.regions — city name, population, metro
  • search.local — trait vocabulary and the come-to-you services
  • search.cozfranchises — 2,024 franchise brands