Live Oak, Florida.
Typical home $253,403 (+2.4% in a year).
to buy the typical home at today's mortgage rate — +$786 (+144%) since Jan 2020.
- 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.
- 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.
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 It can be wrong or out of date.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
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
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
- Suwannee SchoolsSchool district752FTE
- Excelsior Care GroupSkilled nursing facilities200
- Publix Super MarketsSupermarkets and other grocery stores172
- Winn-Dixie Stores, Inc.Supermarket60
- Farmers Cooperative Inc. - Live Oak, MadisonFarm supplies merchant wholesalers50
- Live OakMail and parcel delivery47
- Ag-ProAgricultural machinery and equipment merchant wholesalers33
- 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
- LightningVery high
- HurricanesRelatively high
- WildfireRelatively moderate
- Cold wavesrelatively high in parts of Live OakRelatively moderate
- Tornadoesrelatively high in parts of Live OakRelatively moderate
- 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.
- 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.
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.
- 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.
- Live Oak129
New listings per month
Sellers arriving at the market.
- 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
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 32060 | Live Oak | 22,467 | — | $294,050 |
| 32064 | Live Oak | 7,758 | — | $179,390 |