Live Oak cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexLive OakCaliforniaNational
Cost of living index166137100
IndexLive OakCaliforniaNational
Goods & Services index125109100
Groceries index143118100
Health care index133111100
Housing index259189100
Transportation index130130100
Utilities index109112100
Here we can see a simple outline of the cost of living in Live Oak, CA. As you can see, with the average cost of living in Live Oak, CA being 166, that puts it 22% higher than the average of California and 66% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Live Oak, CA, the price of goods and services are 14% higher than the average of California as well as 25% higher than the nation's average.

Did you know?

  • The cost of living in Live Oak is 22% higher than the California average.
  • The cost of living in Live Oak is 66% higher than the national average.
  • The cost of housing in Live Oak is 159% higher than the national average.
  • California general sales tax is 47% higher than the national average.
  • California state income tax is 55% lower than the national average.

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Compare Live Oak, CA Cost of living To Other Cities

Salary Calculator

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Groceries index
Health care index
Housing index
Transportation index
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Use the salary calculator to compare your current income in Live Oak, CA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Live Oak, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Live Oak, CA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$87,006$7,251$2,030$2,610
Renters$46,867$3,906$1,093$1,406
One can approximate the cost of living and the housing affordability in Live Oak, CA by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Live Oak, CA have a median income of $87,006. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,030 per month to avoid calamity and poverty. The renters in the city have an income of about $46,867, which would make their monthly maximum allowable rental costs $1,093.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
When you are determining the total cost of living in Live Oak, CA you will want to make sure you consider both the California sales tax and the California income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in California is 7.5%, with the highest surtax being 10%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in California have a range from 1% to 12.3%.

Goods & Services

ItemLive OakNational avg.Difference
Haircut $17.55$15.5612.7%
Beauty Salon $40.77$36.1112.9%
Toothpaste $3.61$2.4745.8%
Shampoo $1.23$0.9627.1%
Movie $12.35$10.1321.9%
Bowling $7.64$4.7461.3%

Groceries

ItemLive OakNational avg.Difference
Ground Beef $6.33$3.9858.8%
Fried Chicken $2.69$1.4191.3%
Milk $2.92$2.0641.3%
Potatoes $4.70$2.9857.6%
Pizza $13.06$9.4737.8%
Beer $9.48$8.797.8%

Health Care

ItemLive OakNational avg.Difference
Optometrist $151.96$101.0450.4%
Doctor $141.39$107.4431.6%
Dentist $138.51$90.4253.2%
Ibuprofen $10.75$9.2815.8%
Lipitor $420.03$426.501.5%

Housing

ItemLive OakNational avg.Difference
Home Price $524,800.00$175,700.00198.7%
Avg. Mortgage Payment $6,195.07$1,133.23446.7%
Apartment Rent $1,525.00$920.0065.8%

Transportation

ItemLive OakNational avg.Difference
Gasoline $2.74$1.9937.6%
Tire Balancing $51.66$45.7612.9%

Utilities

ItemLive OakNational avg.Difference
All Electricity$204.04$163.8124.6%
Phone $24.95$28.3912.1%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Lompico, CA90013232%
Pajaro, CA2,95713434%
Amesti, CA3,21313636%
Moss Landing, CA20013737%
Watsonville, CA52,08514040%
Live Oak, CA17,49416666%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Clarksdale, MS17,49776-24%
Springboro, OH17,4991088%
Bay City, TX17,49979-21%
Greenfield Town, MA17,4841066%
Martinsburg, WV17,50894-6%
Live Oak, CA17,49416666%
Source: The Live Oak, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.