904 Area Code: Jacksonville, FIS, and the 324 Overlay

Introduction

The 904 area code covers the Jacksonville metro in northeastern Florida, the largest city by land area in the contiguous United States. FIS Global, one of the world's largest financial technology companies by revenue, is headquartered in Jacksonville, and Naval Air Station Jacksonville, Naval Station Mayport, and Blount Island Command make the city one of the most military-dense metros in the Southeast. Since February 2024, a new overlay code, 324, shares the exact same footprint as 904 — a change that makes 10-digit dialing mandatory throughout Northeast Florida for the first time.

For a business calling into Jacksonville's financial technology, defense contracting, healthcare, and logistics sectors, a local number still signals familiarity to corporate decision-makers and the large military and veteran community — even in an overlay market where the area code itself no longer guarantees the caller is local.

• 904 covers Jacksonville and four surrounding Northeast Florida counties, now overlaid by 324 as of February 26, 2024
• 10-digit dialing became mandatory January 29, 2024, shortly before the overlay went live
• Letsdial issues a 904 number instantly, with STIR/SHAKEN verified caller ID, forwarding, and analytics built in

Where the 904 area code reaches

904 — and now 324 alongside it — covers the northeast corner of Florida, known regionally as the First Coast: the Jacksonville consolidated city-county and the surrounding counties that form the region's economic and population footprint.

• Duval County / Jacksonville — the consolidated city-county core, with Downtown Jacksonville, Southside, Northside, Westside, Arlington, and the Jacksonville Beaches communities
• St. Johns County — Ponte Vedra Beach, St. Augustine, and the fast-growing communities of Nocatee and Saint Johns along the I-95 corridor
• Clay County (almost all) — Orange Park, Fleming Island, Green Cove Springs, and the suburban communities southwest of Jacksonville
• Nassau County — Fernandina Beach and Amelia Island in the northeast, and the rapidly growing Yulee and Callahan communities along I-95
• Baker County — Macclenny and the rural western edge of the footprint

Because 904 and 324 share identical geography, a new line anywhere in this footprint could be assigned either code with equal likelihood — neither carries more local credibility than the other, and every call now requires the full 10 digits regardless of which prefix either party is dialing from. The 386 guide covers the neighbouring ground.

Jacksonville's corporate and military anchors

FIS, CSX, and the fintech and logistics corridor

Fidelity National Information Services (FIS) is headquartered in Downtown Jacksonville — one of the largest financial technology companies in the world by revenue, processing trillions of dollars in financial transactions annually for banks, capital markets firms, and merchants globally. Fidelity National Financial, the title insurance giant, is also headquartered in Jacksonville. CSX Corporation, one of the largest freight railroad operators in the Eastern United States, directs a 20,000-mile rail network from the same footprint, and the Port of Jacksonville (JAXPORT) ranks among the top U.S. ports for vehicle imports.

Jacksonville has fielded an NFL franchise since the Jaguars were awarded the league's 30th team on November 30, 1993, kicking off their inaugural season in 1995 at what's now EverBank Stadium, built on the site of the old Gator Bowl and completed in just under 20 months. The stadium's name has changed with its sponsors over the decades — EverBank Field, then TIAA Bank Field, then back to EverBank Stadium in 2023 — but it has anchored downtown Jacksonville's sports and events economy for three decades running. The venue also hosts the annual Florida-Georgia football rivalry, played on neutral ground in Jacksonville nearly every year since 1933 and long nicknamed the "World's Largest Outdoor Cocktail Party" — a name coined in the 1950s by a local sportswriter and officially retired by both schools and the SEC by the mid-2000s, though the crowds and the game's economic impact on downtown Jacksonville hotels and restaurants haven't shrunk a bit.

NAS Jacksonville and Naval Station Mayport

NAS Jacksonville is one of the largest naval air stations in the country — housing maritime patrol squadrons, fleet logistics support, and the Navy's largest aircraft intermediate maintenance department on the East Coast, and it's the single largest employer in the Jacksonville area. Naval Station Mayport, at the mouth of the St. Johns River, is home to Atlantic Fleet destroyers and amphibious ships, and Blount Island Command adds a Marine Corps pre-positioning logistics facility to the region's defense economy. More detail sits on our STIR/SHAKEN page.

Healthcare, tourism, and St. Augustine

Mayo Clinic and the healthcare corridor

The Mayo Clinic Jacksonville campus on Davis Boulevard provides Mayo's full range of integrated specialty care and draws patient referrals from across the Southeast. Baptist Health operates multiple hospital campuses throughout Duval and surrounding counties, and UF Health Jacksonville — the University of Florida's academic medical center — adds graduate medical education and trauma care. Together, the three systems make healthcare one of the largest private-sector employers in the market.

St. Augustine and Ponte Vedra Beach

St. Augustine was founded by Spanish colonists in 1565 — the oldest continuously occupied European settlement in the United States, predating Jamestown by 42 years. The Castillo de San Marcos National Monument and the preserved historic district draw millions of visitors annually. Down the coast, the PGA TOUR's global headquarters sits in Ponte Vedra Beach, and The Players Championship at nearby TPC Sawgrass is one of the most prestigious non-major tournaments in professional golf — together anchoring a significant hospitality and tourism economy across St. Johns County.

St. Johns County reinforced its golf pedigree further when the World Golf Hall of Fame relocated from Pinehurst to World Golf Village in St. Augustine in 1998, inducting members there for 25 years before the museum moved back to Pinehurst in 2024 — a reminder of how deeply the PGA TOUR's Ponte Vedra Beach headquarters shaped the region's identity even after the Hall of Fame itself moved on.

904 history and the new 324 overlay

Florida used a single area code, 305, statewide when the North American Numbering Plan began in 1947. 904 was split off from 305 in 1965 to cover North Florida from the Panhandle to Jacksonville. As the state's population grew, that territory was progressively reduced: 352 split off in 1995 for the Gainesville and Ocala corridor, 850 followed in 1997 for the Panhandle and Tallahassee, and 386 was carved out in 2001 for the Daytona Beach and Volusia County area — leaving 904 with the compact First Coast footprint it holds today.

324 changes 904 from standalone to overlay

Regulators approved the 324 overlay in May 2022 once projections showed the 904 number pool would run out by 2024. Permissive 10-digit dialing began in August 2023, mandatory 10-digit dialing took effect January 29, 2024, and the 324 overlay itself launched February 26, 2024. Existing 904 numbers did not change — only new lines are eligible for a 324 prefix — but every call in the region, local or not, now requires the full area code.

The entire 904/324 footprint observes Eastern Time — UTC-5 in winter (EST) and UTC-4 during Daylight Saving (EDT) — three hours ahead of Pacific, so West Coast teams calling in should open outbound campaigns early in their morning to catch the full Jacksonville business day.

Getting a 904 number and call trust in Jacksonville

1. 1Cloud phone platform — search available 904 numbers in real time and activate a line the same day. Letsdial provisions a Northeast Florida number in under three minutes, no credit card required.
2. 2Port your existing number — already have a 904 line on another carrier? Letsdial ports it in without downtime, at no charge, and keeps the number active through the transition.
3. 3Wireless SIM or landline carrier — valid for a physical handset, but slower to provision and harder to scale without additional hardware per seat.

Jacksonville's military, fintech, and healthcare sectors operate under some of the most compliance-intensive calling environments in Florida — defense contractor procurement at NAS Jacksonville, vendor calls into FIS and Fidelity National, and healthcare outreach to Mayo Clinic and Baptist Health all expect verified caller identity. Apply STIR/SHAKEN A-level attestation through your carrier so every outbound 904 call arrives with your registered business name on screen, and register text campaigns for 10DLC compliance before scaling outbound SMS volume — both are applied automatically on every number Letsdial issues. That record is published in full as North American Numbering Plan.

Conclusion

The 904 area code still defines Jacksonville's identity as a financial technology hub, a major military installation city, and a growing Northeast Florida business center — but as of 2024 it shares that identity with a new overlay, 324, and mandatory 10-digit dialing. FIS Global, Naval Air Station Jacksonville, and one of the East Coast's busiest ports all still operate from this same footprint. A 904 number issued through Letsdial activates in minutes with no hardware and automatic STIR/SHAKEN attestation, putting a Northeast Florida presence in front of the fintech, defense, and logistics professionals who make Jacksonville one of the Southeast's most commercially significant cities.

904 is officially documented under the North American Numbering Plan, which governs area code assignments across the US, Canada, and the Caribbean.

Frequently Asked Questions