States › Florida › Live Oak

Is Live Oak, FL expensive to live in?

CheapRent takes 18 cents of every $1 people earn here.
🏠 Rent per month (2026)$96045% lower than U.S. average
💵 Families earn per year (2026)$64,036about $5,336/month · 26% lower than U.S. average
🔑 House price$160,30052% lower than U.S. average

Rent is lower than in 90% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards.

How much money do I need?

To rent here comfortably, you should earn about $38,400 a year. That is $18 an hour at a full-time job.

Is rent cheaper than other Florida cities?

Yes. Rent here is cheaper than in most of Florida. It is number 7 of 479 cities from cheapest to most expensive.

Live Oak
$960
South Patrick Shores
$2,161
Lake Lorraine
$1,740
Perry
$1,084
Orlovista
$1,525
St. Augustine Beach
$3,181
Broadview Park
$1,977

How much do households earn in Live Oak?

Under $25k
20.3%
$25k–50k
25.6%
$50k–100k
39.4%
$100k–150k
7.2%
$150k+
3.8%

Share of households by yearly income. 11.0% of households earn $100,000 or more.

Rent by apartment size in Live Oak

SizeLive OakU.S. average
1 bedroom$786$1,324
2 bedrooms$782$1,509
3 bedrooms$1,190$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Live Oak overall?

Everyday prices in Florida overall are 3% above the U.S. average (index 103.4, U.S. = 100).

Housing
122
Goods (food, clothes…)
98
Utilities
90
Other services
101
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Live Oak, so the Florida figure is shown.

Taxes and bills in Live Oak

🏛️ Property tax$1,361a year · 0.85% of home value · U.S. $3,119
⚡ Electric bill$183a month (typical) · U.S. $156

Life in Live Oak

Commute to work21.2 minU.S.: 26.4 min
College degree11%U.S.: 35.7%
Own their home46.6%U.S.: 65.2%
Below poverty line16.3%U.S.: 12.5%
Unemployment14.2%U.S.: 5.2%

Is it cheaper to rent or buy in Live Oak?

Renting is cheaper right now: about $152 a month less.

Renting
$960
Owning
$1,112

Owning assumes a typical $160,300 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $16,030 for the down payment.

Frequently asked questions

What is the average rent in Live Oak, FL?

Renting in Live Oak costs a median of about $960 a month in 2026, including utilities. The Florida median is $1,963.

How much do I need to make to live in Live Oak?

To keep rent under 30% of income, you need about $38,400 a year, or $18 an hour at a full-time job.

Is Live Oak cheap or expensive?

Live Oak is rated Cheap: rent takes 18.0% of the typical household income of $64,036. It ranks 7th cheapest of 479 Florida cities we track.

How much are property taxes in Live Oak?

The median homeowner in Live Oak pays $1,361 a year in property taxes, about 0.85% of the median home value.

Is Live Oak more expensive than the national average?

Overall prices in Florida are 3% above the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Live Oak?

The median home value in Live Oak is $160,300, about 2.5 times the typical yearly household income.

6,985 people live in Live Oak. Numbers are typical (middle) values.