Market Overview
Home Prices in Live Oak, FL
The median home value in Live Oak, FL is $263,886 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.9% compared to a year ago and up 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Live Oak are priced36% below average.
Over the past five years, Live Oak home values have risen by approximately35.5%, reflecting strong long-term appreciation in this market.
Price History
Live Oak Home Price Trend
2020
$157,188
$157K
—
2021
$194,756
$195K
+23.9%
2022
$237,116
$237K
+21.8%
2023
$235,946
$236K
-0.5%
2024
$250,809
$251K
+6.3%
2025
$253,990
$254K
+1.3%
2026
$263,886
$264K
+3.9%
City Comparison
Live Oak vs. National Median
🏠 Live Oak
$263,886
National Median
$410,000
At $263,886, homes in Live Oak cost 36% 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
$52,777
on $263,886
Monthly P&I
$1,376/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,748/mo
incl. taxes & insurance
Income Needed
$69,920
gross annual (30% rule)
10% Down Option
$26,389
+ PMI applies
Loan Amount (20% dn)
$211,109
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, FL?
The median home value in Live Oak is $263,886 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.9% year-over-year.
How much have home prices changed in Live Oak?
Over the past year, home values in Live Oak have increased by 3.9%. Over five years, prices have risen approximately 35.5%.
How much do I need to earn to buy a home in Live Oak?
To comfortably afford the median home price of $263,886 with a 20% down payment ($52,777) at today's rates (6.8%), you'd need a gross annual income of approximately $69,920. 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 $263,886, homes in Live Oak are 36% below the national average.