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 OakTexasNational
Cost of living index8991100
IndexLive OakTexasNational
Goods & Services index10297100
Groceries index8390100
Health care index9296100
Housing index7981100
Transportation index8595100
Utilities index8794100
A general overview of the cost of living index for Live Oak, TX is displayed above. In Live Oak, TX, the overall cost of living index is 89, which is 2% lower than the Texas average and 11% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Live Oak, TX, the city's goods and services are 5% higher than the Texas average and 2% higher than the U.S. average.

Did you know?

  • The cost of living in Live Oak is 2% lower than the Texas average.
  • The cost of living in Live Oak is 11% lower than the national average.
  • The cost of housing in Live Oak is 21% lower than the national average.
  • Texas general sales tax is 23% higher than the national average.
  • Texas state income tax is 100% lower than the national average.

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Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Use the salary calculator to compare your current salary in Live Oak, TX to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Live Oak, TX, then you would need to earn more income in order to maintain the same standard of living. To use the Live Oak, TX salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Live Oak, TX, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Live Oak, TX has a median income of about $66,389 for people who own homes. Based on that number, a person should spend a maximum of $1,549 on expenses related to housing. Renters have a slightly different median income, which is $48,102. Based on this average, renters should spend no more than $1,122 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Texas Sales Tax

StateGeneral Sales TaxWith Max Surtax

Texas Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Live Oak, TX and want to know what the true cost of living is, they ought to look at both the Texas income tax rate and the Texas sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Texas, the sales tax is 6.25%, while the most you'll pay in surtax is 8.25%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Texas, the income tax rate ranges between 0% to 0%.

Goods & Services

ItemLive OakNational avg.Difference
Haircut $14.00$14.594.1%
Beauty Salon $35.00$34.680.9%
Toothpaste $2.96$2.4719.7%
Shampoo $0.83$1.0218.8%
Movie $10.50$9.876.4%
Bowling $5.50$4.3925.2%


ItemLive OakNational avg.Difference
Ground Beef $3.99$4.4810.9%
Fried Chicken $1.07$1.4626.9%
Milk $2.49$2.365.7%
Potatoes $3.11$3.061.6%
Pizza $9.08$9.241.8%
Beer $8.23$8.634.7%

Health Care

ItemLive OakNational avg.Difference
Optometrist $85.00$99.7814.8%
Doctor $96.67$105.038.0%
Dentist $81.67$88.707.9%
Ibuprofen $7.97$9.4115.3%
Lipitor $285.91$298.504.2%


ItemLive OakNational avg.Difference
Home Price $121,200.00$175,700.0031.0%
Avg. Mortgage Payment $727.20$1,081.0332.7%
Apartment Rent $942.00$920.002.4%


ItemLive OakNational avg.Difference
Gasoline $1.84$2.0911.8%
Tire Balancing $34.80$45.2923.2%


ItemLive OakNational avg.Difference
All Electricity$133.30$170.8022.0%
Phone $28.00$28.260.9%
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.
Marion, TX98780-20%
Balcones Heights, TX2,82583-17%
Kirby, TX8,22183-17%
San Antonio, TX1,385,43887-13%
Converse, TX19,73891-9%
Live Oak, TX14,21389-11%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Berea, KY14,20989-11%
Greendale, WI14,2081033%
Jackson, MO14,22196-4%
Forest Park, IL14,20211111%
Highland Park, NJ14,22413232%
Live Oak, TX14,21389-11%
Source: The Live Oak, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.