Is Live Oak, FL a Good Place to Live?
Live Oak is a small town of 6,811 in Florida, with a median household income of $43,664 and a 13.6% unemployment rate. Its cost of living index is 95 (US average = 100), which is 5% below the national average.
Strengths: Live Oak stands out for an affordable cost of living, below-average home prices, short average commutes.
Trade-offs: Potential downsides include an elevated unemployment rate. Whether Live Oak is right for you depends on your priorities — the full breakdown is below.
All Live Oak city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 94.9Live Oak's overall cost of living index is 94.9, where 100 represents the US national average. Living in Live Oak costs roughly 5% less than the average American city.
| Metric | Live Oak, FL | National Avg |
|---|---|---|
| Median Home Value | $136,100 | $244,900 |
| Median Monthly Rent | $763 | $1,163 |
| Homeownership Rate | 49.8% | 65.9% |
| Median Household Income | $43,664 | $74,755 |
Crime & Safety
Crime data for Live Oak is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
Live Oak is served primarily by SUWANNEE. The student-to-teacher ratio is 18.8:1 (slightly above the national average of ~16:1).
| Metric | Live Oak, FL | National Avg |
|---|---|---|
| School District | SUWANNEE | — |
| Elementary Schools | 4 | — |
| Middle Schools | 1 | — |
| High Schools | 3 | — |
| Student/Teacher Ratio | 18.8:1 | 16:1 |
| Bachelor's Degree or Higher | 12.2% | 35.4% |
| High School Diploma or Higher | 90.1% | 91.1% |
Weather & Climate
Live Oak sees average highs of 68.4°F in January and 93.5°F in July, with 51.9 inches of annual precipitation .
| Metric | Live Oak, FL |
|---|---|
| Average High — January | 68.4°F |
| Average High — July | 93.5°F |
| Annual Precipitation | 51.9" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Live Oak, FL | National Avg |
|---|---|---|
| Population | 6,811 | — |
| Median Age | 37.5 | 38.9 |
| Unemployment Rate | 13.6% | 3.7% |
| Avg Commute Time | 19.5 min | 26 min |
| White (non-Hispanic) | 46.2% | 59.3% |
| Black or African American | 39.0% | 13.6% |
| Hispanic or Latino | 4.6% | 18.9% |
| Asian | 0.1% | 6.3% |
| Under 18 | 24.0% | 22.2% |
| 65 and over | 18.4% | 16.8% |
Nearby Cities
ZIP Codes in Live Oak
Live Oak, FL is covered by 2 ZIP codes: