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retire

Finding the Best Places to Retire Since 2006!

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Retire in Fernandina Beach, Florida?

Overview:   Just 20 miles outside of Jacksonville in northeastern Florida, Fernandina Beach sits on idyllic Amelia Island, a barrier island known for its high-end resort hotels, golf courses and miles of beaches. The town has had the flags of eight separate nations fly over it since the mid-16th century.

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The charming downtown has one and two story historic buildings that house boutiques, bookstores, art galleries and fun eateries. A Saturday morning farmers' market sells fresh produce, grass-fed meats, dairy products and more. Ancient oaks with dripping with moss line neighborhood streets, and tourist-oriented, horse drawn carriages meander about town. Homes range from modest ranch ramblers to exquisite, glass-enclosed Mediterranean estates. There are numerous planned developments, including beautiful Amelia Park, which features New Urbanism design. Most shopping is of the specialty kind, but there are some big box stores and a Publix.

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Fort Clinch, a base of Union operations during the Civil War, stages reenactments. The Amelia Community Theatre mounts plays and musical revues throughout the year, and the Eight Flags Shrimp Festival brings out crowds each May. The Golf Club at North Hampton is an Arnold Palmer signature course and has been named the 7th best course in Florida. The town's west end has a marina and boat ramps. Beach parks are on the east side.

Population:   12,500 (city proper)

Percentage of Population Age 45 or Better:  58%

Cost of Living:   20% above the national average

Median Home Price: $325,000    

Climate:    Fernandina Beach has a hot, humid climate. Summer temperatures are in the 80s and 90s with  frequent rainstorms.  Winter temperatures are in the 60s and 70s.  On average, the area receives 51 inches of rain per year.

At Least One Hospital Accepts Medicare Patients?  Yes

At Least One Hospital Accredited by Joint Commission?  Yes

Public Transit:    The county's Council on Aging has a van transportation system with service to medical appointments and more.

Crime Rate:   Meets the national average

Public Library:   Yes

Political Leanings:   Very conservative

Is Florida Considered Tax Friendly for Retirement?    Yes

Cons:   Fernandina Beach is home to two paper mills, the Rayonier Mill and the Rock-Tenn Mill.  They are on either side of town.   Some newcomers say that the mills emit an unpleasant turpentine odor; long time residents say the odors are minimal.

Notes:    Small town, "good ole boy" politics have been known to occur.  

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Recommended as a Retirement Spot?   Yes

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Florida:

Sticking out into Hurricane Alley, Florida was a land no nation seemed to want. Ruled successively by Spain, France, England, and the Confederate States of America, the state had a backwater reputation. Other than St. Augustine and Pensacola, there were few cities. The area was rural and populated by frontier farmers.

In the late-1800s, changes came when railroads began chugging down both coasts. Industrialist Henry Flagler's Florida Easy Coast Railway even made it all the way to Key West. The Great Florida Land Boom, the build-up to World War II, and the space industry also helped turn Florida into one of the nation's most populous states. In 1900, there were about 500,000 residents. Today, there are more than 20 million, almost 351 people per square mile.

Why do people keep coming? Tourism marketing is one reason. Annually, millions visit Orlando's theme parks and the state's 663 miles of white sand beaches. Taxes generated by the billion dollar vacation industry allow Florida to prosper without a personal income tax. Budget-sensitive retirees have flocked to its cities and shorelines.

If you can ignore the hurricanes, the state's climate is relatively mild. Only five other states are sunnier. Florida's system of state universities and community colleges is sizable, and its big cities are meccas for culture and the arts. Sarasota is a good example. Its Ringling Museum Complex contains internationally known art museum, a circus museum, an historic theater, and a 66-acre garden. Museums near Orlando range from a Zora Neale Hurston gallery to a Madame Tussauds.

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Stats:

Population - 20,612,439 

Persons 65 years old and over - 20%

High school graduates, persons age 25+ - 87% 

Bachelor's degree or higher, persons age 25+ - 27% 

Persons of Hispanic or Latino origin - 24% 

White persons, not Hispanic - 58% 

Median household income - $47,525 

Median home value - $159,900 

Social Security taxed? No

Source: U.S. Census Bureau

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