Fernandina Beach, FL · Updated Oct 2026

What a Fernandina Beach house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Fernandina Beach house

$16,011a year · $1,334 a month

Starts at the typical market value, $555,400; your assessed value is often lower. Typical use.

Property tax$9,211
1.795% of $555,400, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$2,080
1104 kWh a month $2,080
Water and sewer$1,324
9 units (CCF) a month on City of Fernandina Beach: water $31, sewer $63, stormwater (average home, 1,500-5,999 sq ft) $17 a month
Trash$345
1 Toter with weekly pickup and recycling, $29 a month
Home insurance$3,051
Typical premium $3,051

A Fernandina Beach house at the typical market value ($555,400) pays about $16,000 a year: $9,210 property tax and charges, $1,320 water and sewer, $340 trash, $2,080 electricity, $3,050 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Veterans disabled 10% or more: $5,000 off$5,000 off assessed value
An ex-servicemember honorably discharged and disabled 10% or more may get a $5,000 reduction in assessed value.
$5,000 exemption for widows, widowers, blind and totally and permanently disabled residents$5,000 off value
Property to the value of $5,000 of every widow, widower, blind person, or totally and permanently disabled person who is a bona fide resident of Florida is exempt.
How: Ask the Nassau County Property Appraiser how to file.

Money dates

Mar 1File the homestead exemption application with the county property appraiser by March 1 of the tax year.

Who serves this house

Water: City of Fernandina Beach; City of Fernandina Beach Fiscal Year 2026/2027 single-family residential water: $14.94 a month for a 5/8 inch meter plus per 100 cubic feet rates that step up at 400, 1000, 1600 and 2400 cubic feet.
Property tax: 1.80% of value; 2026 tax year (fiscal year 2026-27), Nassau County millage area 002 (Fernandina)

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How these numbers are made

Property tax: 17.9525 mills for Nassau County millage area 002 (Fernandina), 2026 final rates from the Property Appraiser's chart: county 6.5178, beach renourishment MSTU 0.0960, school state 2.9880 and local 3.1980, Amelia Island Mosquito Control 0.0934, St. Johns River WMD 0.1793, FIND 0.0270, city 4.8530 (voter-approved debt 0.0000). No flat charges are modeled: water, sewer and stormwater are on the City utility bill; we did not check the tax collector's list of other bill charges.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes. The typical value is the Census median market value of owner-occupied units; Save Our Homes keeps many homesteads' assessed values lower.
Water, sewer and stormwater use the City's Fiscal Year 2026/2027 fee schedule (a scanned PDF); stormwater is the average-home tier. Garbage is the City's schedule effective 01/01/2025 ; the schedule's footnote says the hauler contract allows annual increases, and we could not confirm a later rate. No typical water use is published, so the page starts at 9 CCF.
Electricity: FPU Residential Service from a January 2026 sample bill, $24.40 plus 4.673 cents base energy and 8.820 cents purchased power per kWh (sample was a Marianna bill under the same company-wide RS tariff; the tariff above 1,000 kWh has a higher base energy charge, not modeled). Franchise fee and gross receipts tax are not included. Typical use is EIA's 2024 Florida residential average of 1,104 kWh. Natural gas (FPU) is not modeled: about 3% of owner-occupied homes use utility gas (Census ACS). Electric is understated: Fernandina electric bills have carried a city franchise fee and municipal utility tax as separate lines (we found a 2003 bill showing both, and the city's utility tax is capped by state law at 10%), but we could not verify current percentages, so the estimate may be low by roughly 10% or more of the electric total.
Insurance: Florida OIR's Nassau County average homeowners premium ($3,051, data as of March 31, 2026); flood insurance is separate.
Billing: garbage is the City's monthly sanitation schedule; the schedule names Advanced Disposal as contractor while the City's utility fees page names Waste Management, and we did not confirm which bill carries the charge. Electric details: the sample bill shows base energy 0.04673 and purchased power 0.08820 per kWh; the tariff's own base rate differs, so treat electric as an estimate. Stormwater average-home tier covers 1,500-5,999 sq ft. The additional homestead amount of $26,411 is the 2026 figure on the Santa Rosa appraiser page (state-set).
Millage rates are applied per $1,000 of taxable value (standard Florida practice; not quoted).
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Fernandina Beach house costs

What is the property tax rate in Fernandina Beach?

About 1.80% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Nassau County millage area 002 (Fernandina)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Fernandina Beach?

About $8,217 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Fernandina Beach?

About $110 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Fernandina Beach.

How much does trash pickup cost in Fernandina Beach?

$29 a month for a house.

How much does a house in Fernandina Beach cost to run each year?

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