What is the cost of living in Live Oak, FL?
According to the most recent data on the cost of living, Live Oak has an overall cost of living index of 87, which is 0.9x lower than the national index of 100.
Compared to Florida, Live Oak has a cost of living index that's 0.8x lower than Florida's index of 104.
The standard of living in Live Oak ranks as #3 most affordable out of the 462 places we measured in Florida. By definition, that implies Live Oak ranks as the #459 most expensive place in the Sunshine State.
For more reading on life in Live Oak, check out:
Live Oak Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Live Oak. Here is how it fares on each of the criteria:
The Services index in Live Oak is 102.
The Groceries index in Live Oak is 98.
The Health index in Live Oak is 61.
The Housing index in Live Oak is 95.
The Transportation index in Live Oak is 106.
The Utilities index in Live Oak is 98.
| Living Expense | Live Oak | Florida | National Average |
|---|---|---|---|
| Overall | 87 | 104 | 100 |
| Services | 102 | 101 | 100 |
| Groceries | 98 | 105 | 100 |
| Health | 61 | 99 | 100 |
| Housing | 95 | 104 | 100 |
| Transportation | 106 | 109 | 100 |
| Utilities | 98 | 105 | 100 |
Live Oak Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in Live Oak Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Live Oak, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Live Oak is $260,160.
The Median Rent in Live Oak is $903.
The Median Income in Live Oak is $59,375.
The Home Value To Income in Live Oak is 4.4x.
The Rent To Monthly Income in Live Oak is 0.18x.
Live Oak, FL Costs By Category
Detailed Live Oak Services costs vs. Florida
Detailed Live Oak Groceries costs vs. Florida
Detailed Live Oak Health costs vs. Florida
Detailed Live Oak Transportation costs vs. Florida
Live Oak SnackAbility
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:
Valdosta, GA has a cost of living index of 93, 1.1x Live Oak.
| City | Population | Cost Of Living | Vs. Live Oak |
|---|---|---|---|
| Valdosta, GA | 55,252 | 93 | 1.1x |
