Nassau County SHIP Affordable Housing Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Nassau County
Buying a home in Fernandina Beach, FL
1 county program and 26 statewide.Fernandina Beach has no program of its own, 1 across Nassau County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Fernandina Beach
No program of Fernandina Beach’s own yet
No program run for Fernandina Beach alone is listed. A home in Fernandina Beach can use Nassau County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 26 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in NassauAnywhere in Nassau County
1 county program1 county program a Fernandina Beach homebuyer can use
The Fernandina Beach marketThe Fernandina Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fernandina Beach
- 66.9% single-familysingle-family
- 8.3% townhousetownhouse
- 12.4% 2–4 units2–4 units
- 12.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. Fernandina Beach’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fernandina Beach’s homes were built
pre-19401970s2020+
37.9%
of Fernandina Beach homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$108,700
County area median income, 4 people (HUD)HUD area median income, Nassau County, 4-person household (2026)
$97,903
Fernandina Beach median household incomeMedian household income in Fernandina Beach (Census, 2024)
28 of the 89 programs here set their income limit as a share of Nassau County’s area median income, adjusted for household size. See the published limits for Nassau County
Free help nearbyFree help near Fernandina Beach
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Fernandina Beach’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Nassau County SHIP Affordable Housing Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Fernandina Beach questions
Does Fernandina Beach have its own down payment program?
No program run for Fernandina Beach alone is listed. A home in Fernandina Beach can use the 1 program that cover Nassau County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Fernandina Beach?
Fernandina Beach’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Nassau County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Nassau County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fernandina Beach?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32034 · 32035
Nearby in Nassau
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.