| Index | Live Oak | Texas | National |
| Cost of living | 100 | 94 | 100 |
| Groceries | 98 | 98 | 100 |
| Health care | 98 | 98 | 100 |
| Housing | 105 | 83 | 100 |
| Transportation | 97 | 98 | 100 |
| Utilities | 101 | 103 | 100 |
| Lifestyle & Entertainment | 102 | 98 | 100 |
| Household Items | 99 | 98 | 100 |
| Education & Childcare | 98 | 98 | 100 |
Knowing the cost of living in Live Oak allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Live Oak stands at 100, marking it 0% equal to the national average.
In Live Oak, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Live Oak will resemble that of an average city, contributing to a manageable cost of living.
Is Live Oak an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Live Oak, the median home price is 4.5% lower than what most folks pay across the country, and monthly rent prices are 26.1% higher than the usual rates. Income levels in Live Oak come in at $99,646, which is 22.5% higher than the national average.
Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Live Oak, the groceries index is 1.7% lower than the national average.
Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Live Oak, the transportation index stands at 3.3% lower than the national average.
Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Live Oak, healthcare costs are 2.5% lower than the national average.
The Live Oak cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $106,459 | $8,872 | $2,484 | $3,194 |
| Renters | $96,972 | $8,081 | $2,263 | $2,909 |
| State | General Sales Tax | With Max Surtax |
| Texas | 6.25% | 8.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Texas | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Marion, TX | 919 | 89 | 11.2% |
| Kirby, TX | 8,908 | 94 | 5.6% |
| Balcones Heights, TX | 3,252 | 98 | 1.6% |
| San Antonio, TX | 1,573,237 | 100 | 0.3% |
| Universal City, TX | 21,174 | 99 | 1.4% |
| Live Oak, TX | 16,631 | 100 | 0.4% |
| City | Population | Cost of Living Index | National Avg. |
| Westchester, IL | 16,632 | 112 | 12.1% |
| Boulder City, NV | 16,634 | 119 | 18.9% |
| Aurora, OH | 16,638 | 114 | 14.4% |
| Red Hill, SC | 16,638 | 98 | 1.7% |
| Stuart, FL | 16,622 | 109 | 8.7% |
| Live Oak, TX | 16,631 | 100 | 0.4% |
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