1st Advantage MortgageNassau County households have a median income of $89,804 and median rent of $1,526 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Nassau County by the numbers
- Household income in Nassau County
- Work, industries and travel time in Nassau County
- Nassau County housing compared with Florida
- Nassau County next to its neighbors
- Places inside Nassau County
- Room for a loan payment in Nassau County
- What the numbers mean for Nassau County borrowers
- People and households in Nassau County
- Checking a lender's license in Florida
- Checklist for Nassau County applicants
- Related local guides
- Frequently asked questions
Nassau County by the numbers
Roughly 97,859 residents live in Nassau County, Florida, 37th by population among the state's 67 counties and county equivalents. Packed into 649 square miles, that is close to 151 residents for every square mile of land. It is one of the counties that make up the Jacksonville, FL metropolitan statistical area (OMB, 2023). Of the 5 Census places inside Nassau County, Yulee leads by population with about 16,648; 3 of the 5 are incorporated.
Household income in Nassau County
Half of Nassau County households take in less than $89,804 a year and half take in more, 20% above the Florida median of $74,568. That places it 4th among Florida's 67 county-level areas.
| Household income | Nassau County | vs Florida |
|---|---|---|
| Under $35,000 | 18.0% | -4.3 pts |
| $35,000 to $99,999 | 38.0% | -3.0 pts |
| $100,000 to $199,999 | 30.2% | +4.6 pts |
| $200,000 or more | 13.8% | +2.8 pts |
The spread is wide: 44% of Nassau County households make $100,000 or more, and 18% make less than $35,000. Census counts 9.7% of Nassau County residents in poverty, against 12.6% across Florida. Income inequality, measured by the Gini index, comes to 0.446 here. None of these numbers decides a Nassau County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Nassau County
By the Census industry count, 18% of employed Nassau County residents work in education and health care and 14% in professional and administrative services. Public administration stands out: 7% of workers here, versus 4% statewide. Averaged over the five survey years, 4.5% of the labor force was out of work and looking. About 79% drive to work alone and 26% have trips of 45 minutes or more. Only 3.0% of homes here go without a vehicle.
| Top industries | Nassau County share | +/- vs Florida |
|---|---|---|
| Education and health care | 18.3% | -2.7 pts |
| Professional and administrative services | 13.8% | -0.3 pts |
| Retail trade | 10.7% | -1.3 pts |
| Arts, lodging and food service | 10.3% | -0.6 pts |
| Construction | 8.6% | +0.4 pts |
| Transportation, warehousing and utilities | 8.1% | +1.8 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Nassau County should have bank statements and tax returns ready.
Nassau County housing compared with Florida
Renters in Nassau County pay a median of $1,526 a month, 9% below the Florida figure of $1,669. By the Census definition, 54% of Nassau County renters are cost-burdened. With a median value of $382,800, a typical Nassau County house costs 4.3 times what the median household earns in a year. 83% of Nassau County households own their home and 17% rent. Median construction year: 2000.
| Cost | Nassau County | Florida figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,526/mo | $1,669/mo | $877/mo |
| Median home value | $382,800 | $359,000 | $185,300 |
| Owners | 83% | 68% | 75% |
| Rent-burdened renters | 54% | 60% | 45% |
| Burdened owners | 26% | 35% | n/a |
| Vacant units | 13% | 15% | n/a |
Because most Nassau County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
Nassau County next to its neighbors
Duval County is closest, 20 miles from center to center; the sixth, Clay County, is 43 miles off. None of the six report a higher median household income than Nassau County; Clay County is highest at $87,820 and Brantley County lowest at $58,239. The list crosses into Georgia, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Nassau County | - | $89,804 | $1,526/mo | 83% |
| Duval County, FL | 20 mi | $71,277 | $1,475/mo | 58% |
| Camden County, GA | 22 mi | $74,378 | $1,235/mo | 68% |
| Charlton County, GA | 25 mi | $61,276 | $540/mo | 80% |
| Baker County, FL | 37 mi | $79,836 | $1,302/mo | 85% |
| Brantley County, GA | 43 mi | $58,239 | $755/mo | 80% |
| Clay County, FL | 43 mi | $87,820 | $1,551/mo | 76% |
Places inside Nassau County
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 40% of Nassau County residents live in one of the 5. Incomes vary by place: $97,903 at the median in Fernandina Beach, $57,006 in Callahan. This guide covers each of the 5 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Yulee | CDP | 16,648 | $85,247 | $1,754 | 12 mi |
| Fernandina Beach | city | 13,420 | $97,903 | $1,259 | 19 mi |
| Nassau Village-Ratliff | CDP | 4,737 | $62,417 | $1,398 | 7 mi |
| Hilliard | town | 3,034 | $65,096 | $1,147 | 11 mi |
| Callahan | town | 1,514 | $57,006 | $645 | 5 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Room for a loan payment in Nassau County
Here is the Nassau County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $7,484 before taxes
- Median rent: $1,526, or 20 cents of every gross dollar
- At 40%, room after rent is $1,467 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
What the numbers mean for Nassau County borrowers
A few patterns in the Nassau County data, and the practical point behind each:
- Commuter costs. 26% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured homes. 16% of Nassau County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Older households. A 46.5 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Six-figure budgets. For the 44% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
People and households in Nassau County
College graduates make up 36% of the adult population. The uninsured rate is 7.2%, against 11.5% for Florida.
| Indicator | Nassau County | All of Florida | U.S. county median |
|---|---|---|---|
| Median age | 46.5 | 42.6 | 41.5 |
| Bachelor's or higher | 35.6% | 34.1% | 22.2% |
| No high school diploma | 7.1% | 10.1% | n/a |
| No health insurance | 7.2% | 11.5% | 7.8% |
| No vehicle | 3.0% | 6.0% | 5.4% |
| Work from home | 13.7% | 15.7% | 8.7% |
| Poverty rate | 9.7% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.5% | 4.8% | 4.4% |
| One-way commute | Share of Nassau County workers |
|---|---|
| Under 15 min | 20.4% |
| 15 to 29 min | 31.2% |
| 30 to 44 min | 22.9% |
| 45 to 59 min | 16.7% |
| 60+ min | 8.9% |
Checking a lender's license in Florida
The Florida Office of Financial Regulation is the place to verify any lender's Florida license. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Florida guide.
Checklist for Nassau County applicants
A short checklist for Nassau County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Look the lender up with the state regulator first.
- Keep a small cushion so one surprise bill does not mean another loan.
Related local guides
The Florida guide covers the whole state.
Frequently asked questions
What is the median household income in Nassau County?
$89,804 a year in the 2020 to 2024 Census survey, versus $74,568 for Florida. It ranks 4th of 67 in the state.
Is Nassau County expensive for renters?
Median rent is $1,526 against $1,669 statewide, and 54% of renter households are cost-burdened.
I own my home in Nassau County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 83% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Yulee?
Yes, along with the other 4 Census places in Nassau County, such as Fernandina Beach, Nassau Village-Ratliff, Hilliard.
Is the fit check different in Nassau County?
No. It is identical everywhere, and it never looks at your neighborhood.