Cost of Living in Live Oak, CA

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F
17%
Overall NAT. AVG.
13%
Groceries NAT. AVG.
17%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Live Oak California National
Cost of living117141100
Groceries113111100
Health care117116100
Housing117197100
Transportation115118100
Utilities118119100
Lifestyle & Entertainment120120100
Household Items112111100
Education & Childcare130127100
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Homes For Sale In Live Oak, CA

property for sale

2435 Felt St #39

Santa Cruz, CA
property for sale

2931 Leotar Cir

Santa Cruz, CA
property for sale

1515 Brommer St

Santa Cruz, CA
property for sale

2435 Felt St Spc 74

Santa Cruz, CA

Cost Of Living Quick Facts

  • The cost of living in Live Oak is 17% lower than the California average
  • The cost of living in Live Oak is 17% higher than the national average
  • Live Oak housing is 17% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Live Oak

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Compare Live Oak, CA Cost of Living

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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
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$113,151$9,429$2,640$3,395
      Renters$45,759$3,813$1,068$1,373
      To approximate the cost of living and the housing affordability in Live Oak, CA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Live Oak have a median income of $113,151. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,640 per month to avoid calamity and poverty. The renters in the city have an income of about $45,759, which would make their monthly maximum allowable rental costs $1,068.

      California Sales Tax

      State General Sales Tax With Max Surtax
      California 7.25% 10.5%

      California Income Tax

      State Income Tax (Low) Income Tax (High)
      California 1% 13.3%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Moss Landing, CA3311716.7%
      Live Oak city, CA8,7861076.7%
      Paradise Park, CA47813737.3%
      Pajaro, CA3,58914241.8%
      Freedom, CA4,07314848.1%
      Live Oak, CA9,00711716.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Little Falls, MN9,000946.4%
      Winchester, TN9,014919.5%
      Angola, IN8,999927.7%
      Cresskill, NJ9,01518080.1%
      Bridgewater, NS9,016n/a 
      Live Oak, CA9,00711716.9%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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