Live Oak, Texas.
Typical home $239,036 (-2.7% in a year), asking rent $1,350 (-1.6%). San Antonio-New Braunfels, TX metro.
to buy the typical home at today's mortgage rate — +$584 (+87%) since Jan 2020.
- 1 year
- Down $6,723 -3%
- $245,759$239,036 since Sep 2025
- 5 years
- Up $17,253 +8%
- $221,784$239,036 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$1,255
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 46 years.
Typical home values in Live Oak, TX fell 2.7% over the past year — slower than the nation's +1.2%.
Asking rents in Live Oak, TX fell 1.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in Live Oak runs $505/mo more than renting one. The gap peaked at $714 in Oct 2023.
That is $1,855 a month against $1,350 rent: a $1,255 mortgage payment, plus $345 property tax and $256 insurance & upkeep.
Owning vs renting — Live Oak
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,855
- Renting$1,350
- Mortgage only$1,255
Property tax · $345/mo 1.73% of value a year — the ACS 2020-2024 median bill over the median home value for Bexar County, TX
Insurance & upkeep · $256/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Live Oak, Bexar County, Texas
Live Oak is a city of 15,781 people in Bexar County. Half its households earn more than $79,696 a year and half less, against $72,341 across Bexar County; 6% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in Bexar County was 4.6% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most residents 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 in Bexar County, part of the San Antonio area. Households here earn more than the county as a whole, and fewer people live below the poverty line than you might expect. Slightly more homes are lived in by their owners than rented, and the population is a fairly young one. Winters are mild, with cool days in January, while summers are hot, with August the warmest month of the year.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, or in government. The largest workplaces in town include Judson ISD, Methodist Hospital Northeast and Jordan Ford. A typical commute is fairly short, and a good number of people work from home.
Things to do. A short drive away are Toyota Field, a stadium, and the McNay Art Museum. Natural Bridge Caverns, a protected cave site, is also a short drive. For a longer outing, the San Antonio Zoo is a longer drive away.
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- 6,636households
- 32%of adults have a degree
- 6%below the poverty line
- 20 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Bexar County had 937,109 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 63° and lows near 41°; warmest in August, with highs near 96° and lows near 73°.
Average daily high and low, 1991–2020, at the Randolph Afb weather station, 4 miles away (NOAA).
Largest workplaces in Live Oak
- Judson ISDSchool district3,573FTE
- Methodist Hosptial NortheastGeneral medical and surgical hospitals888
- Jordan FordAutomobile dealers, new only or new and used250
- IKEA #570 Live OakFurniture stores197
- Kohl's67
- Advantage Tank Lines 20197 San AntonioTanker trucking, local39
- Discount TireTire dealers32
- Blue Sprig PediatricsAba therapy28
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 1,548 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
- TornadoesVery high
- HailRelatively high
- Heat wavesRelatively high
- 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 moderate. 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 Bexar County and the San Antonio-New Braunfels, TX metro.
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$239,036
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Live Oak listings — 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 Oak33.01%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Live Oak78
New listings per month
Sellers arriving at the market.
- Live Oak17
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.
Zillow publishes no zip-level series with this city on the address.