2026 Compare Cities Cost of Living:
Fernandina Beach, FL vs Ormond Beach, FL

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Highlights
Is it cheaper to live in Ormond Beach or is it cheaper to live in Fernandina Beach?
- Ormond Beach is 14.0% less expensive than Fernandina Beach.

Which city has more affordable housing, Ormond Beach or Fernandina Beach?
- Ormond Beach housing costs are 29.3% less expensive than Fernandina Beach housing costs.

Is Health Care more affordable in Fernandina Beach or is Health Care more affordable in Ormond Beach.
- Health related expenses are 6.3% less in Ormond Beach.
 Fernandina Beach, FLOrmond Beach, FLUnited States
 Overall  Unlock94.9100
 Food & Groceries105.7  Unlock100
 Health  Unlock102.7100
 Housing150.6  Unlock100
 Median Home Cost  Unlock$384,000$338,100
 Utilities105  Unlock100
 Transportation  Unlock90.9100
 Miscellaneous102.9  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Fernandina Beach    8 Reviews

We traveled the entire east and west coasts of Florida and the entire east coast of Georgia. We LOVED St. Marys GA. but decided on Amelia Island... Mainly because AI has  More

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Over 6 years ago

There is no place in Florida like Amelia Island, Fernandina Beach. The beach is beautiful.. But, best of all are the people. Real Southern hospitality... Southern charm  More

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Over 12 years ago

Came back to Fernandina after a long hiatus. Fernandina has always been a magical place, but many things are getting better. The restaurant scene has improved  More

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Reviews for Ormond Beach    8 Reviews

We have lived in the area for over 8 years. I love the political views of most people and how RED our state is. Having a governor and people with the same views,  More

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The state that is affordable for retirees is NOT affordable for people that work. Poor wages for professionals. Biggest employer in central FL is Disney and pays very  More

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I love it here it is very quiet and peaceful. The beaches are beautiful and pretty private and not crowded most of the time! There are some beautiful parks here as well.  More

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