Market Overview
Home Prices in Live Oak, CA
The median home value in Live Oak, CA is $397,620 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.2% compared to a year ago and down 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Live Oak are priced3% below average. Live Oak is part of the Yuba City, CA metro area.
Over the past five years, Live Oak home values have risen by approximately13.0%, reflecting steady appreciation in this market.
Price History
Live Oak Home Price Trend
City Comparison
Live Oak vs. National Median
At $397,620, homes in Live Oak cost 3% below the national median of $410,000. This makes Live Oak a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Live Oak?
20% Down Payment
$79,524
on $397,620
Monthly P&I
$2,074/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,634/mo
incl. taxes & insurance
Income Needed
$105,360
gross annual (30% rule)
10% Down Option
$39,762
+ PMI applies
Loan Amount (20% dn)
$318,096
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Live Oak, CA?
The median home value in Live Oak is $397,620 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.2% year-over-year.
How much have home prices changed in Live Oak?
Over the past year, home values in Live Oak have increased by 1.2%. Over five years, prices have risen approximately 13.0%.
How much do I need to earn to buy a home in Live Oak?
To comfortably afford the median home price of $397,620 with a 20% down payment ($79,524) at today's rates (6.8%), you'd need a gross annual income of approximately $105,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Live Oak compare to the national average home price?
The national median home value is approximately $410,000. At $397,620, homes in Live Oak are 3% below the national average.
What metro area is Live Oak part of?
Live Oak is part of the Yuba City, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.