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Live Oak city, FL

ZIP 32064 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32064

Median Home Value
$164,300
Median Rent
$755
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,055/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32064 in Live Oak city, FL, a household would need roughly $45,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,055. That sits below the local median household income ($50,315), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.6%-24% vs US avg
x
Vacancy Rate
21.4%+108% vs US avg
x
Broadband Access
75.1%-14% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.1%-29% vs US avg
x
Mortgage-Free
62.2%+63% vs US avg
x
$164,300
Home Value
$755
Rent
1977
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached57.8%
  • 1-unit attached3.1%
  • 2-9 units7.1%
  • 10+ units12.1%
  • Mobile home & other19.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,300
Median rent$755
Owner-occupied49.6%
Vacant21.4%
Price-to-income3.3x
Est. income to buy$45,000