Live Oak, CA Cost Of Living

Demographics | Cost Of Living
Updated: 2025-10-24

Cost Of Living In Live Oak, CA Summary

Cost of living in Live Oak research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Live Oak is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in California, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Live Oak is 115, with 100 being the average.

  • The cost of living index in Live Oak is 1.1x higher than the national average.

  • Live Oak ranks as the #82 cheapest in California out of 634.

  • Live Oak ranks as the #4,090 cheapest out of 6,489 in the US.

  • The median home value in Live Oak is $390,108.

  • The median income in Live Oak is $107,500.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
115
Live Oak's Overall Cost Of Living
1.1x
Higher Than The National Average

What is the cost of living in Live Oak, CA?

According to the most recent data on the cost of living, Live Oak has an overall cost of living index of 115, which is 1.1x higher than the national index of 100.

Compared to California, Live Oak has a cost of living index that's 0.8x lower than California's index of 141.

The standard of living in Live Oak ranks as #82 most affordable out of the 634 places we measured in California. By definition, that implies Live Oak ranks as the #552 most expensive place in the Golden State.

For more reading on life in Live Oak, check out:

82 out of 634
In California
4,090 out of 6,489
In America

Live Oak Cost Of Living Vs. California

Six factors go into calculating the cost of living index in Live Oak. Here is how it fairs on each of the criteria:

  • The Services index in Live Oak is 109.

  • The Groceries index in Live Oak is 114.

  • The Health index in Live Oak is 123.

  • The Housing index in Live Oak is 119.

  • The Transportation index in Live Oak is 131.

  • The Utilities index in Live Oak is 133.

Living Expense Live Oak California National Average
Overall 115 141 100
Services 109 110 100
Groceries 114 112 100
Health 123 110 100
Housing 119 195 100
Transportation 131 125 100
Utilities 133 128 100
For more reading on cost of living around California, check out:
Live Oak Cost of Living Vs. CA

Live Oak, CA Housing Cost Breakdown

Housing swings affordability the most between places in California, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2019-2023. The key points are:

  • The Median Home Value in Live Oak is $390,108.

  • The Median Rent in Live Oak is $2,414.

  • The Median Income in Live Oak is $107,500.

  • The Home Value To Income in Live Oak is 3.6x.

  • The Rent To Monthly Income in Live Oak is 0.27x.

Statistic Live Oak California United States
Median Home Value $390,108 $763,287 $303,400
Median Rent $2,414 $1,956 $1,348
Median Income $107,500 $96,334 $78,538
Home Value To Income 3.6x 7.9x 3.9x
Rent To Monthly Income 0.27x 0.24x 0.21x
$390,108
Median Home Value
$2,414
Median Rent
$107,500
Median Income

Live Oak, CA Costs By Category

Detailed Live Oak Services Costs Vs. California

Item Live Oak California
Shampoo $1.66 $1.28
Movie $13.31 $12.13
Bowling $33.3 $18
Haircut $33.94 $24.26
Beauty Salon $48.51 $45.56

Detailed Live Oak Groceries Costs Vs. California

Item Live Oak California
Ground Beef $5.79 $5.84
Fried Chicken $2.13 $1.57
Milk $5.05 $4.67
Potatoes $4.77 $4.93
Pizza $14.92 $12.09
Beer $10.99 $10.41
Toothpaste $3.72 $3.7

Detailed Live Oak Health Costs Vs. California

Item Live Oak California
Optometrist $158.95 $125.68
Doctor $194.05 $135.78
Dentist $147.78 $113.29

Detailed Live Oak Transportation Costs Vs. California

Item Live Oak California
Gasoline $4.81 $3.46
Tire Balancing $65.62 $59.92

Detailed Live Oak Utilities Costs Vs. California

Item Live Oak California
All Electricity $294.74 $193.99
Phone $190.07 $192.25

Live Oak SnackAbility

8
/10
Overall SnackAbility
Jobs
8.5/10
Housing
10
Affordability
3
Diversity
9
Safety
N/A
Amenities
9
Education
8.5
Commute
8

Cost Of Living In Cities Around Live Oak

The cost of living varies in the cities and towns around Live Oak. Here's a quick look at the cost of living in the most populous nearby places:

  • Santa Cruz, CA has a cost of living index of 205, 1.8x Live Oak.

  • Watsonville, CA has a cost of living index of 152, 1.3x Live Oak.

  • Los Gatos, CA has a cost of living index of 308, 2.7x Live Oak.

City Population Cost Of Living Vs. Live Oak
Santa Cruz, CA 60,953 205 1.8x
Watsonville, CA 51,968 152 1.3x
Los Gatos, CA 32,773 308 2.7x
Saratoga, CA 30,335 342 3.0x
Scotts Valley, CA 12,138 194 1.7x
Soquel, CA 10,691 180 1.6x
Capitola, CA 9,813 183 1.6x
Rio del Mar, CA 8,938 214 1.9x
Interlaken, CA 8,191 163 1.4x
Castroville, CA 6,870 158 1.4x

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