States · Florida · Suwannee County

Live Oak, Florida.

Typical home $253,403 (+2.4% in a year).

What it costs per month · Live Oak $1,330/mo

to buy the typical home at today's mortgage rate — +$786 (+144%) since Jan 2020.

What the home itself did
1 year
Up $5,995 +2%
$247,408$253,403 since Sep 2025
5 years
Up $52,842 +26%
$200,561$253,403 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Live Oak $1,330 Florida $1,970 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Live Oak$1,330
  • Florida$1,970
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 15 years.

Typical home values in Live Oak, FL rose 2.4% over the past year — faster than the nation's +1.2%.

Living in Live Oak, Suwannee County, Florida

Live Oak is a city of 6,735 people in Suwannee County. Half its households earn more than $59,375 a year and half less, against $56,658 across Suwannee County; 16% of its people live below the poverty line. 47% of its homes are lived in by their owners and 53% are rented. Unemployment in Suwannee County was 5.6% in August 2026, and the county had 1.7% fewer jobs in 2025 than the year before. The most people in Suwannee County work in schools and health care, then shops.

People 6,735 in the 2020 census; median age 37.4
Household income $59,375 the median, give or take $9,248 · Suwannee County: $56,658
Unemployment 5.6% Suwannee County, August 2026; 5.3% a year before
Homes 47% lived in by their owners; 53% rented

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Live Oak is a small city and the seat of Suwannee County, in north Florida. Its people are younger than in many small towns, and household incomes run a little above the county's, though a fair number of residents live below the poverty line. Fewer homes are lived in by their owners than in most of the country, so renting is common, and few adults hold a four-year degree. Winters are mild, with little or no snow, and summers are hot and rainy.

Work. Residents work mostly in schools, hospitals and social care, followed by shops, the building trades, and restaurants, hotels and entertainment. Among the largest workplaces in Live Oak are Suwannee Schools, Excelsior Care Group and Publix Super Markets. Unemployment in the county is a little higher than a year ago, and the county has lost some jobs over the past year. Most people commute a moderate distance to work, and few work from home.

Things to do. The closest outing is Spirit of the Suwannee Music Park, a park a short drive away. Farther afield, a longer drive brings you to Suwannee River State Park, a protected area along the river the county is named for. Stephen Foster Folk Culture Center State Park, also a protected area a longer drive away, is another day trip, and the Alapaha River offers a quieter stretch of water.

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  • 2,207households
  • 11%of adults have a degree
  • 16%below the poverty line
  • 21 mintypical commute
  • 5%work from home

What people in Suwannee County work in

  • Schools, hospitals and social care20%
  • Shops (retail)19%
  • Building trades9%
  • Restaurants, hotels and entertainment8%
  • Transport, warehouses and utilities8%
  • Professional and business services8%

Employed residents by industry, from the Census survey. Suwannee County had 11,824 jobs in 2025, 1.7% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 68° and 45°; warmest in July, 94° and 74° 40° 50° 60° 70° 80° 90° 100° J 68° 45° F M A M J J 94° 74° A S O N D
Average daily high and low for each month: coldest in January, 68° and 45°; warmest in July, 94° and 74° 40° 50° 60° 70° 80° 90° 100° J 68° 45° F M A M J J 94° 74° A S O N D

Coldest in January, with highs near 68° and lows near 45°; warmest in July, with highs near 94° and lows near 74°. About 52 inches of rain a year, and little or no snow.

Average daily high and low, 1991–2020, at the Live Oak weather station, a mile away (NOAA).

Largest workplaces in Live Oak

  1. Suwannee SchoolsSchool district752FTE
  2. Excelsior Care GroupSkilled nursing facilities200
  3. Publix Super MarketsSupermarkets and other grocery stores172
  4. Winn-Dixie Stores, Inc.Supermarket60
  5. Farmers Cooperative Inc. - Live Oak, MadisonFarm supplies merchant wholesalers50
  6. Live OakMail and parcel delivery47
  7. Ag-ProAgricultural machinery and equipment merchant wholesalers33
  8. Sodexo at Suwannee County SchoolsFood service contractors33

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 595 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. LightningVery high
  2. HurricanesRelatively high
  3. WildfireRelatively moderate
  4. Cold wavesrelatively high in parts of Live OakRelatively moderate
  5. Tornadoesrelatively high in parts of Live OakRelatively moderate
  6. Inland floodingRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Live Oak’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Suwannee County.

Live Oak home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 Live Oak $253,403 Florida $375,361 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • Live Oak$253,403
  • Florida$375,361
  • United States$366,157

Sellers are cutting prices on about 1 in 5 Live Oak listings, and the typical home goes pending in 40 days — the market is roughly in balance.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

10% 15% 20% 25% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Live Oak 20.35% United States 26.90%
10% 15% 20% 25% 2018 2022 2026
  • Live Oak20.35%
  • United States26.90%

Days to pending

How long the typical listing takes to go under contract.

Not enough data to draw this yet.

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

60 80 100 120 2018 2019 2020 2021 2022 2023 2024 2025 2026 Live Oak 129
60 80 100 120 2018 2022 2026
  • Live Oak129

New listings per month

Sellers arriving at the market.

10 15 20 25 2018 2019 2020 2021 2022 2023 2024 2025 2026 Live Oak 19
10 15 20 25 2018 2022 2026
  • Live Oak19

Zip codes with a Live Oak address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Live Oak — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Live Oak