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Live Oak, FL Area Profile

Live Oak, Florida Area, FL

Cost of Living

A quick read on everyday affordability around Live Oak, with the main cost drivers separated for scanning.

Composite Index

95.8

Grocery Index

9.1

Housing Index

8.6

Transportation Index

7.2

Cost of living summary
MetricValue
Composite cost index95.8
Grocery index9.1
Housing index8.6
Transportation index7.2

What to Watch

  • The first pass on Live Oak should separate fixed housing costs from bills that move month to month.
  • Home values are comparatively low, but maintenance, taxes, and utilities still matter.
  • Use Lee, FL as a same-state comparison point before treating one FL value as typical.
View Florida cost of living report

Utilities

Monthly utility patterns and baseline household costs for power, water, gas, and fuel.

Electric Rate Consumption

Monthly electric index
JanFebMarAprMayJunJulAugSepOctNovDec
222834456274485667826157

Water Consumption

Monthly water index
JanFebMarAprMayJunJulAugSepOctNovDec
664844363026343733554958

Gas Rate (CCF)

Monthly gas index
JanFebMarAprMayJunJulAugSepOctNovDec
283643526147556349455257
Everyday utility costs
MetricValue
Electricity rate$0.149/kWh
Gasoline price$3.28/gal
Water bill avg$48/mo
Gas rate$1.18/CCF
View Florida utilities report

Demographics

Population, age mix, education, and income context for understanding the local community.

Population Age Pyramid

Age mix index
Age bandMaleFemale
0-96864
10-197571
20-348378
35-499290
50-6410097
65-748488
75+7279

Income Distribution

Income bracket index
BracketIndex
Under $35k72
$35k-$49k88
$50k-$74k100
$75k-$99k79
$100k+52

Annual Income Distribution

Median household$63,200
Per capita$33,900
Poverty rate9.8%
Community snapshot
MeasureEstimate
Population6,901
Median age37.9
Bachelor+13.3%

Schools

School performance and classroom context in a compact local snapshot.

Test Score Trends

Test score trend
201920202021202220232024
424851575964

Grocery Index

9.1

Housing Index

8.6

Transportation Index

7.2

Utility Index

7.9

School snapshot
IndicatorValue
Math proficiency53%
Reading proficiency58%
Student-teacher ratio14:1

Helpful Context

  • Year-to-year school figures can move more in smaller places, so compare Live Oak with nearby districts too.
  • A single score rarely explains the full school picture for Live Oak; program fit and attendance zones matter too.
  • Nearby city pages can help separate Live Oak-specific signals from broader Florida patterns.

Local Economy

A simple labor-market snapshot showing local job mix, wages, and workforce size.

Industry Job Types

Industry job mix
IndustryShareIndex
Manufacturing31%74
Agriculture26%64
Healthcare19%52
Retail14%39
Other Services10%31
Local economy snapshot
MetricValue
Unemployment4.8%
Median wage$53,578
Labor force264

Climate

Winter avg: 15 degrees F - Summer avg: 82 degrees F - Snowfall: 43 in

Local Takeaways

  • The job market is balanced enough to compare wages against nearby employment hubs for Live Oak and the surrounding Florida labor market.
  • The median household income value is $53,578 when ACS data is available for this place.
  • Use the economy card with housing and taxes to judge whether Live Oak works for a specific household budget.

Real Estate

Home values, property taxes, and rental context in one housing-focused snapshot.

Median Home Value Trend

Median home value trend
201920202021202220232024
$154k$161k$172k$181k$186k$189k

Property Tax Breakdown

  • County levy: 42%
  • School district: 34%
  • City/other: 24%
Housing and tax snapshot
IndicatorValue
Median home value$158,200
Median property tax paid$1,209
Estimated state sales tax rate7.39%
Rent (2-bed)$880/mo
View Florida property tax report

Climate

A compact view of weather patterns and natural-risk context for the area.

Avg High (Jul)82°F
Avg Low (Jan)8°F
Humidity72%

Climate Snapshot

Reference
Now--
Condition--
Wind--
Today--

Climate context is provided for planning and comparison.

Climate snapshot
MeasureValue
Sunny days196
Annual snowfall43 in
NOAA hazard risk scoreModerate

Planning Notes

  • Use the climate panel as a planning screen for Live Oak; property-specific exposure still needs local review.
  • Utility planning matters because electricity is in a moderate range, with usage habits driving the final bill.
  • Compare climate and insurance sections together before using Live Oak as a relocation shortlist.

Insurance

Location-based risk and cost pressure signals that can affect insurance pricing.

Risk IndexModerate
Weather RiskMedium
Cost PressureLow
Insurance summary
IndicatorEstimate
Insurance cost index95
NOAA hazard risk scoreModerate
Primary local riskWinter weather

What Affects Rates

  • Insurance pricing for Live Oak still depends on the address, structure age, roof condition, and carrier appetite.
  • Local claims history, coverage limits, deductibles, and property condition can outweigh broad FL averages.
  • Compare with Lee, FL for a broader read on Florida insurance pressure.
View Florida insurance report

Live Oak Facts

A compact fact sheet for Live Oak with the strongest available public-data fields.

Live Oak, FL facts
FactValueSource context
Population6,901ACS place estimate
Median household income$53,578ACS household estimate
Median home value$158,200ACS housing estimate
Median age37.9ACS demographic estimate
Bachelor+ share13.3%ACS education estimate
Residential electric rate$0.149/kWhEIA state residential rate

Helpful Context

  • In Live Oak, home values are comparatively low, but maintenance, taxes, and utilities still matter.
  • City-specific ACS values are used when the place matches; state-level API values fill statewide measures.
  • Use these facts as a fast FL screen before checking address-level records or provider quotes.

Live Oak Local Data Brief

This section is generated from cached city metrics and clearly labeled state-level benchmarks. It is meant to make the Live Oak page less generic and more useful for comparing housing, income, utilities, taxes, insurance, demographics, and nearby alternatives.

Live Oak, FL local metrics and source context
MetricValueHow to read it
Population6,901Live Oak is treated as a small-town place for comparison.
Median household income$53,578Income is more constrained, so utilities, rent, and taxes deserve extra attention.
Median home value$158,200Home values are comparatively low, but maintenance, taxes, and utilities still matter.
Two-bedroom rent$880/moRent gives a renter-side affordability baseline beside owner costs.
Median property tax paid$1,209Property tax should be read with mortgage, insurance, and home value.
Residential electric rate$0.149/kWhThis is a state-level EIA benchmark, not a city utility quote.
Unemployment4.8%This is a state-level BLS labor-market benchmark.
Median age37.9Age mix can affect housing demand, commute needs, and school planning.
Bachelor+ share13.3%Education mix can help frame labor-market and school-context questions.

Affordability Summary

Population is 6,901, so Live Oak should be compared with similar-size places before using broader Florida averages. Median household income is $53,578, so the best affordability read for Live Oak is income versus housing, taxes, utilities, and insurance together.

Median home value is $158,200, so ownership costs in Live Oak should be checked with mortgage, property tax, insurance, and maintenance assumptions. Two-bedroom rent is $880/mo, so renters can compare Live Oak against ownership costs and nearby rental markets.

Housing and Income Context

For Live Oak, income is more constrained, so utilities, rent, and taxes deserve extra attention. Home values are comparatively low, but maintenance, taxes, and utilities still matter.

Use the home value, rent, and income fields together before deciding whether Live Oak looks more favorable for renting, buying, or comparing with Lee, FL.

Utility Cost Context

The residential electricity benchmark is $0.149/kWh, so Live Oak households should treat usage, home size, heating, and cooling as the practical bill drivers. The electricity value shown for Live Oak is a Florida state-level EIA benchmark, so it should not be read as a local provider tariff.

For Live Oak, utility planning is stronger when the electric benchmark is paired with home age, square footage, insulation, HVAC equipment, and household occupancy.

Property Tax Context

Median property tax paid is $1,209, so Live Oak buyers should still verify parcel-specific tax records before budgeting. Parcel boundaries, exemptions, school districts, and reassessment rules can move the actual bill for a Live Oak address.

Compare the property tax field with home value rather than reading it by itself; a lower tax bill can still pair with a different assessment base or exemption profile.

Insurance and Risk Context

Insurance costs in Live Oak depend on address-level factors such as roof condition, structure age, coverage limits, claims history, deductible choice, and carrier underwriting.

Home value, tax burden, and insurance exposure should be reviewed together for Live Oak, especially when comparing with Lee, FL.

Population and Demographics

Median age is 37.9, so Live Oak may have different school, commute, healthcare, and housing demand patterns than a statewide average. Bachelor+ share is 13.3%, so Live Oak education context can be useful when reading labor-market and school sections.

Unemployment is 4.8%, so Live Oak wage and job-market context should be compared with commute options and regional employment centers.

Nearby Florida comparison pages
PlacePopulationHome valueElectric benchmark
Jasper, FL4,485$100k$0.149/kWh
Mayo, FL1,172$116k$0.149/kWh
Lee, FL774$96k$0.149/kWh
Five Points, FL1,160$124k$0.149/kWh

Source Notes

  • City-specific Census ACS values are used when a matching place row exists in the cached city metrics file.
  • Electricity and unemployment fields are state-level EIA and BLS benchmarks, so they are labeled as planning context rather than city quotes.
  • The page should be used as a comparison screen before checking provider rates, parcel records, insurance quotes, school boundaries, and address-level details for Live Oak.

Live Oak Cost Drill-Down

This dashboard keeps the fast local overview on one page, while the linked category reports go deeper into one decision at a time. For Live Oak, the strongest local signals in the current cache are population 6,901, median household income $53,578, median home value $158,200, rent $880/mo, property tax paid $1,209, and the Florida residential electric benchmark $0.149/kWh.

Live Oak category drill-down links and metric context
CategoryPrimary valueSecond valueWhy it matters here
Cost of living $53,578 $158,200 Live Oak affordability is mostly a housing-versus-income read: income is more constrained, so utilities, rent, and taxes deserve extra attention and home values are comparatively low, but maintenance, taxes, and utilities still matter.
Utility costs $0.149/kWh $880/mo Live Oak utility planning should pair the Florida electric benchmark with home size, cooling load, appliance use, and occupancy.
Property taxes $1,209 $158k Live Oak tax planning should compare the tax-paid field with home value, exemptions, assessment rules, and parcel-level records.
Insurance costs 37.9 13.3% Live Oak insurance context should be read with housing age, replacement cost, roof condition, claim history, and nearby risk patterns.

Budget Fit

Live Oak should be read as a small-town place where income, home value, rent, taxes, utilities, and insurance need to be checked together. Income is more constrained, so utilities, rent, and taxes deserve extra attention, and home values are comparatively low, but maintenance, taxes, and utilities still matter.

Monthly Bills

The electricity value on this page is a Florida state-level EIA benchmark, not a city utility tariff. For Live Oak, that benchmark becomes useful when paired with home square footage, cooling load, HVAC age, insulation, and household usage.

Ownership Costs

Median property tax paid is $1,209 and median home value is $158,200. That makes the ownership read stronger than a single price estimate because taxes, insurance, maintenance, and financing terms can move the real monthly cost.

Comparison Angle

Use Lee, FL as a local comparison before using a broad FL average. The nearby table below keeps the comparison tied to home value, taxes, and electric benchmarks instead of alphabetical city links.

Labor and Demographics

Unemployment is 4.8%, median age is 37.9, and bachelor-plus share is 13.3%. These fields help frame school demand, commute patterns, wage fit, and service-provider availability around Live Oak.

Source Discipline

City-specific ACS values are used where the place matches the cache. State-level EIA and BLS fields are labeled as benchmarks, so this page does not pretend those values are address-level or city-utility quotes.

Nearby comparison context for Live Oak
PlaceDistanceHome valueProperty taxElectric benchmark
Jasper, FL 11 mi $100k $828 $0.149/kWh
Mayo, FL 20 mi $116k $941 $0.149/kWh
Lee, FL 21 mi $96k -- $0.149/kWh
Five Points, FL 21 mi $124k -- $0.149/kWh
Lake City, FL 22 mi $179k $1,321 $0.149/kWh

Data Freshness

This Live Oak, Florida dashboard was generated on 2026-06-18. The city metrics cache was refreshed on 2026-06-16; the nearby-city coordinate cache was refreshed on 2026-06-17.

  • City metrics: Census ACS place fields are city-specific where a matching place record exists.
  • State benchmarks: EIA electricity and BLS unemployment values are state-level context, not city provider tariffs or city labor surveys.
  • Nearby comparisons: Distance uses cached Census Gazetteer place coordinates when available.

Regional Data Explorer

Zoom out from Live Oak to nearby cities, Florida Area, and Florida benchmarks.

Open Explorer
Nearby Cities Florida Hub Florida Cost Benchmarks

Benchmark Preview

Live Oak 95.8
Home value
$189k
Property tax
$2,190
Electric rate
$0.154/kWh
County Avg 97.4
Home value
$178k
Property tax
$2,240
Electric rate
$0.158/kWh
FL Avg 101.2
Home value
$286k
Property tax
$3,180
Electric rate
$0.162/kWh

Local Service Cost Guides

Use these contractor-cost guides with the Live Oak dashboard to compare local housing, utility, tax, climate, and repair-cost context.

Plumber Rates for Live Oak $85-$165/hr planning range. Leak, drain, fixture, water heater, and emergency plumbing cost planning. Opens the deepest available state guide for Live Oak, Florida. Open state guide HVAC Installation for Live Oak $5,500-$14,500 planning range. AC, furnace, heat pump, ductwork, and seasonal system replacement planning. Opens the deepest available national guide for Live Oak, Florida. Open national guide Roof Replacement for Live Oak $8,000-$24,000 planning range. Roof replacement, leak repair, flashing, ventilation, and storm-exposure planning. Opens the deepest available national guide for Live Oak, Florida. Open national guide Electrician Rates for Live Oak $90-$175/hr planning range. Panel, outlet, EV charger, lighting, wiring, and inspection cost planning. Opens the deepest available national guide for Live Oak, Florida. Open national guide

Data note: City-profile values are local estimates for comparison and planning context.