Amelia Island, FL
Florida's northernmost barrier island - quiet luxury STR
Amelia Island is Florida's northernmost barrier island, offering 13 miles of uncrowded Atlantic beach and a remarkably well-preserved Victorian-era downtown in Fernandina Beach. The market attracts a quieter, more upscale demographic than Orlando or Miami - golfers, couples, and multi-generational families seeking a lower-key Florida experience. Omni Amelia Island Resort anchors the luxury segment.
Across 99 active STR-viable listings analyzed this month, Amelia Island shows a 3.5% median cap rate at a $625K median list price, 46% occupancy, and $278/night. That ranks #23 of 57 markets in STRROI's live ranking. At typical prices, cash flow is tight: most listings only pencil out with a large down payment, a below-list purchase, or above-market nightly rates.
Amelia Island real estate market right now
As of October 17, 2026, STRROI is tracking 99 homes for sale in Amelia Island that could run as short-term rentals, at a median list price of $624,999. The middle half are priced between $466K and $814K. That works out to a median of $374 per square foot for a typical 1,680 square foot home. Homes here have been on the market 85 days on average, shorter than the 101 days typical across the 56 markets in STRROI's ranking, so well-priced homes here tend to go quickly. 29 of them were listed in the last 30 days.
These numbers cover the homes for sale STRROI analyzes as potential short-term rentals in Amelia Island, ZIP 32034. They are not every home sale in the area, so they can differ from MLS-wide figures. Month-by-month price history starts Oct 2026 and fills in as the market is re-checked each month.
What's for sale in Amelia Island right now
Of the 99 homes for sale we analyzed in Amelia Island, 1 (1%) project positive monthly cash flow with 20% down at a 7.5% rate, and none rate Buy or better on STRROI's 1-10 scale. 3-bedroom homes are the most common (56 for sale, median $679K). Returns are strongest in 4-bedroom homes at a 4.1% median cap rate, and weakest in 3-bedroom homes at 3.5%. By property type, manufactured homes lead at a 5.6% median cap rate across 3 listings.
- Watch: 1
- Weak: 38
- Avoid: 60
| Beds | For sale | Median price | Cap rate |
|---|---|---|---|
| 2 | 25 | $499K | 3.6% |
| 3 | 56 | $679K | 3.5% |
| 4 | 12 | $777K | 4.1% |
| 5+ | 3 | $1.1M | 3.6% |
| Type | For sale | Median price | Cap rate |
|---|---|---|---|
| Single-family homes | 41 | $689K | 3.5% |
| Condos | 40 | $512K | 3.6% |
| Townhouses | 12 | $765K | 3.5% |
| Multi-family | 3 | $750K | 3.6% |
| Manufactured homes | 3 | $250K | 5.6% |
Top-ranked homes for sale in Amelia Island this month
Scored 1-10 against real Airbnb comps. Addresses, photos and the full underwriting are in the app.
- #1Watch · 5/103 bd · 2 ba townhouseZIP 32034 · listed at $440K
- Cap rate
- 6.3%
- Cash flow
- -$135/mo
- Nightly
- $314 at 46%
- #2Weak · 4/103 bd · 2 ba manufactured homeZIP 32034 · listed at $149K
- Cap rate
- 9.3%
- Cash flow
- +$320/mo
- Nightly
- $178 at 46%
- #3Weak · 4/103 bd · 2 ba single-family homeZIP 32034 · listed at $399K
- Cap rate
- 6.3%
- Cash flow
- -$152/mo
- Nightly
- $281 at 46%
How Amelia Island compares
Amelia Island ranks #8 of 21 Southeast markets in STRROI's live ranking; St. Augustine leads the region with a median cap rate of 5.7%. Its 3.5% cap rate is 0.6 points above the 2.9% median across all 57 ranked markets, and its $625K typical list price is close to the Southeast median of $633K.
| Rank | Market | Cap rate | Typical price |
|---|---|---|---|
| #14 | Panama City Beach, FL | 4.4% | $465K |
| #15 | Myrtle Beach, SC | 4.4% | $315K |
| #21 | Gulf Shores, AL | 3.7% | $499K |
| #23 | Amelia Island, FL | 3.5% | $625K |
| #27 | Kissimmee, FL | 3.3% | $415K |
| #29 | Nashville, TN | 2.9% | $900K |
| #30 | Gatlinburg, TN | 2.7% | $575K |
Rank is national, by median cap rate across active STR-viable listings. Cash flow uses STRROI's default financing assumptions. See the full ranking
Estimated Annual Performance
* Estimates based on market averages. Individual property performance varies. Always run a full underwriting analysis.
Why Investors Choose Amelia Island
Amelia Island STR investing, answered
Is Amelia Island, FL a good short-term rental market?
Amelia Island is a Southeast STR market with a 3.5% median cap rate, 46% annual occupancy, and $278/night across STR-viable listings, based on 99 active listings. It ranks #23 of 57 markets by median cap rate in STRROI's live ranking. This month none of its 99 homes for sale rate Buy or better.
What is the average Airbnb occupancy rate in Amelia Island?
STR-viable properties in Amelia Island average about 46% occupancy across the year. Peak season is Mar - May, Sept - Nov, holiday weeks. Occupancy here reflects availability-adjusted booking performance, not raw calendar occupancy, so it represents what a full-time operated rental can realistically achieve.
How much do short-term rentals earn in Amelia Island?
At $278/night and 46% occupancy, a typical Amelia Island STR grosses roughly $46,676 per year before expenses, leaving an estimated $28,006 in net operating income. Across analyzed listings the median cap rate is 3.5%. Individual results depend on property, amenities, and management.
What types of properties work best for STR in Amelia Island?
Among homes for sale right now, 4-bedroom homes post the strongest median cap rate by size (4.1%), and manufactured homes lead by property type (5.6%). With guests, the best-performing STR types here are Single Family, Oceanfront Home, Cottage, Condo. Matching the local guest profile and the amenities that drive bookings matters more than raw square footage.
How many homes for sale in Amelia Island cash flow as an Airbnb?
1 of 99 STR-viable listings (1%) project positive monthly cash flow after the mortgage, assuming 20% down at a 7.5% rate on a 30-year loan. The top-ranked listing this month is a 3-bedroom townhouse in ZIP 32034 listed at $440K, projecting a 6.3% cap rate and -$135 a month.
What is the median home price in Amelia Island, FL right now?
The median list price of the 99 homes for sale STRROI tracks in Amelia Island is $624,999, and the middle half are priced between $466K and $814K. The median price per square foot is $374. These are homes that could run as short-term rentals, ZIP 32034, not every sale in the area. Against a 3.5% median cap rate, that price level sets the return baseline you'd underwrite against.
How long do homes stay on the market in Amelia Island?
Homes for sale in Amelia Island have been listed 85 days on average, shorter than the 101 days typical across the 56 markets in STRROI's ranking, so well-priced homes here tend to go quickly. 29 of them were listed in the last 30 days.
Market averages, not guarantees. Cap rates, occupancy, and nightly rates are market-wide averages based on active STR listings and historical data. Individual property performance depends on location, amenities, management, and listing quality. Always run a full underwriting analysis before purchasing.Stats sourced from 99 active listings · last updated Oct 17, 2026
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