Cost of Living in Live Oak, FL

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13%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
40%
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 Florida National
Cost of living87102100
Groceries102102100
Health care99104100
Housing6097100
Transportation96103100
Utilities104110100
Lifestyle & Entertainment99104100
Household Items99102100
Education & Childcare95106100
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Homes For Sale In Live Oak, FL

property for sale

10027 95th Dr

Live Oak, FL
property for sale

TBD 221st Rd

, FL
property for sale

16193 24th St

Live Oak, FL
property for sale

7051 215th Dr

Live Oak, FL

Cost Of Living Quick Facts

  • The cost of living in Live Oak is 14% lower than the Florida average
  • The cost of living in Live Oak is 13% lower than the national average
  • Live Oak housing is 40% lower than the national average
  • Florida general sales tax is 18% higher than the national average
  • Florida state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Live Oak

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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$56,932$4,744$1,328$1,708
      Renters$78,260$6,522$1,826$2,348
      A good way to judge both the affordability of the housing and the cost of living in Live Oak is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Live Oak has a median income of about $56,932 for people who own homes. Based on that number, a maximum of $1,328 should be spent on expenses related to housing. Renters have a slightly different median income, which is $78,260. Based on this average, renters should spend no more than $1,826 on all rental costs if they want to maintain a non-impoverished standard of living.

      Florida Sales Tax

      State General Sales Tax With Max Surtax
      Florida 6% 7.5%

      Florida Income Tax

      State Income Tax (Low) Income Tax (High)
      Florida 0% 0%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      White Springs, FL9958316.7%
      Live Oak, FL7,0738712.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Mountainside, NJ7,07418282.0%
      Baie-Saint-Paul, QC7,069n/a 
      Idabel, OK7,0778119.2%
      Saint-Apollinaire, QC7,067n/a 
      Pea Ridge, WV7,080927.5%
      Live Oak, FL7,0738712.6%
      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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