Live Oak, FL — City Data, Demographics & Statistics
Suwannee County · Florida
City DNA
A unique fingerprint for Live Oak based on 8 key metrics — compared to averages.
Quick Stats
Population
6,901
2023 ACS
Median Income
$53,578
2023
Median Home Value
$158,200
2023
Median Rent
$880
2023
Median Age
37.9
Unemployment
10.3%
Cost of Living Index
87.5
100 = national avg
Live Oak is a city in Suwannee County, Florida, with a population of 6,901 according to the 2023 American Community Survey. Live Oak is one of the communities in Florida.
The median household income in Live Oak is $53,578, and the median home value is $158,200. The cost of living index is 87.5 (where 100 = national average), and the median rent is $880 per month. The unemployment rate is 10.3%, and the median age is 37.9 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
6,901
Male
3,328
48.2%
Female
3,573
51.8%
Median Age
37.9
Age Distribution
Education & Household
Bachelor's or Higher
8.6%
High School or Higher
36.3%
Foreign Born
4.1%
Veterans
4.4%
Married
35.4%
Avg Household Size
2.7
Marital Status by Age
Race & Ethnicity
Diversity Index
0.637
Simpson's Index (0-1)
Largest Group
White
47.6%
Foreign Born
4.1%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
10.5%
727 people
Not Hispanic/Latino
89.5%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
6,578
English Only
89.5%
#1 Non-English Language
Spanish
629 speakers
Limited English
2.7%
Language Distribution
English Proficiency
Speaks English Very Well
97.3%
Limited English Proficiency
2.7%
Veterans & Military
Total Veterans
303
4.4% of population
Disability Rate
16.2%
49 with disability
Veteran Median Income
$44,955
Period of Service
Veteran Age Distribution
Male Veterans
206
68.0%
Female Veterans
97
32.0%
Veteran vs Non-Veteran Income
Veteran Income
$44,955
Non-Veteran Income
$27,563
Difference
$17,392
63.1% higher
Disability Status
With Disability
49
Without Disability
254
Disability Rate
16.2%
Ancestry & Heritage
Total Reporting Ancestry
2,253
#1 Ancestry
American
6.8% (467)
#2 Ancestry
Italian
5.6% (389)
#3 Ancestry
German
5.0% (345)
Top 17 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
2,383
Family Households
1,551
65.1%
Married Couples
1,070
44.9%
Non-Family Households
832
34.9%
Single Mother Households
355
14.9%
Single Father Households
126
5.3%
Living Alone
625
26.2%
Children Under 18
Total Children
1,111
In Married Couple
901
81.1%
With Single Mother
210
18.9%
With Single Father
0
0.0%
Family Income
Median Family Income
$59,691
Married Couple Income
$68,198
Single Mother Income
$27,542
Single Father Income
$73,683
Avg Family Size
2.7
Avg Non-Family Size
3.2
Grandparents w/ Grandchildren
130
Grandparents Responsible
110
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$53,578
-27% vs national
Per Capita Income
$24,254
-35% vs national
Poverty Rate
17.5%
+29% vs national
Gini Index
0.3900
0 = perfect equality
Unemployment
10.3%
+98% vs national
SNAP Recipients
20.7%
of households
How Live Oak Compares
Live Oak vs Similar Cities
Compared to cities with under 10,000 residents. Live Oak is highlighted.
Median Household Income
Live Oak, FL has a median household income of $53,578, making it the 19,617th highest median household income out of 28,123 cities in our database. This means that Live Oak has a higher median household income than 30% of all the cities we measured.
Per Capita Income
Live Oak, FL has a per capita income of $24,254, making it the 23,042nd highest per capita income out of 28,123 cities in our database. This means that Live Oak has a higher per capita income than 18% of all the cities we measured.
Poverty Rate
Live Oak, FL has a poverty rate of 17.5%, making it the 8,910th highest poverty rate out of 31,262 cities in our database. This means that Live Oak has a higher poverty rate than 71% of all the cities we measured.
Unemployment Rate
Live Oak, FL has a unemployment rate of 10.3%, making it the 3,788th highest unemployment rate out of 31,012 cities in our database. This means that Live Oak has a higher unemployment rate than 88% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Live Oak. The median household income here is $53,578.
Income Distribution
Employment Snapshot
Unemployment Rate
10.3%
+111% vs FL avg
Labor Force
3,683
Employed
3,303
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
8.6%
of adults 25+
High School Diploma+
36.3%
of adults 25+
Median Age
37.9
Work from Home
3.1%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the Florida metro area
Highest-Paying Job
General and Operations Managers
Top Median Wage
$100.8K
per year
Occupations Tracked
20
Cost of Living
Overall Index
87.5
100 = national avg
-12.5 vs national average
Living Wage (1 Adult)
$38,490
per year
Living Wage (Family of 4)
$90,976
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$1,013
per month
2 Bedroom
$1,110
per month
The median household income in Live Oak, FL is $53,578, which is 26.8% below the national average of $73,224. Per capita income is $24,254. The poverty rate of 17.5% is higher than the FL state average of 13.5%. The Gini index of income inequality is 0.3900, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 10.3%, compared to the state average of 4.9%. The labor force is 3,683. 8.6% of adults hold a bachelor's degree or higher. About 86.6% of workers drive alone to work. The overall cost of living index is 87.5, which is 12.5% below the national average. Housing costs are below the national average at an index of 87.9. A single adult needs to earn approximately $38,490 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotZillow — January 2026
Zillow Home Value Index
$248,530
Live Oak vs Similar CitiesCensus ACS / Redfin
Compared to cities with under 10,000 residents. Live Oak is highlighted.
Median Home Value
Live Oak, FL has a median home value of $158,200, making it the 15,825th highest median home value out of 27,993 cities in our database. This means that Live Oak has a higher median home value than 43% of all the cities we measured.
Median Rent
Live Oak, FL has a median rent of $880, making it the 13,016th highest median rent out of 22,337 cities in our database. This means that Live Oak has a higher median rent than 42% of all the cities we measured.
Rent Burden
Live Oak, FL has a rent burden of 19.7%, making it the 9,218th highest rent burden out of 21,928 cities in our database. This means that Live Oak has a higher rent burden than 58% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$158,200
Median Rent
$880
Total Housing Units
2,900
Vacancy Rate
17.8%
Owner Occupied
52.2%
Renter Occupied
47.8%
Median Property Tax
$1,209
per year
Monthly Cost (w/ Mortgage)
$548
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$1,209
per year
Effective Tax Rate
0.76%
of home value
Median Home Value
$158,200
Estimated Mean Tax
$1,298
The effective property tax rate is calculated by dividing the median annual property tax ($1,209) by the median home value ($158,200). In Live Oak, FL, this works out to an effective rate of 0.76%. This is below the national average of approximately 1.1%.
The median home value in Live Oak, FL is $158,200. According to Zillow, the home value index for Live Oak is $248,530. The median rent is $880 per month (Census ACS). About 52.2% of housing units are owner-occupied. The median year homes were built is 1977. There are 2,900 total housing units. Homeowners pay a median annual property tax of $1,209. The effective tax rate is 0.76%, below the national average.
Crime Overview
Source: FBI Crime Data Explorer (2020)Violent Crime Rate
8.30
per 1,000 residents
+197% vs national
Property Crime Rate
35.65
per 1,000 residents
+73% vs national
Total Crimes
307
2020
Violent Clearance
81%
cases solved
Property Clearance
30%
cases solved
YoY Change
-9.3%
violent crime rate
improving vs 2019
How Live Oak Compares
Source: FBI (2020)Live Oak vs Similar Cities
Source: FBI (2020)Compared to cities with Under 10,000 residents. Live Oak is highlighted in green.
Violent Crime Rate (per 1,000)
Property Crime Rate (per 1,000)
Murder Rate (per 1,000)
Crime Rate Trends
Source: FBICrime Composition
Source: FBI (2020)Violent Crime Breakdown
Property Crime Breakdown
Crime Clearance (Solve) Rates
Source: FBI (2020)Live Oak police solve 87% of aggravated assault cases but only 26% of burglary cases.
Weapon Used in Violent Crime
Source: FBI (2020)Crime Breakdown
Source: FBI Crime Data Explorer (2020)| Crime Type | Category | Count | Rate per 1K | Clearance % |
|---|---|---|---|---|
| Murder | Violent | 0 | 0.00 | N/A |
| Rape | Violent | 0 | 0.00 | N/A |
| Robbery | Violent | 12 | 1.72 | 58.3% |
| Aggravated Assault | Violent | 46 | 6.59 | 87.0% |
| Burglary | Property | 109 | 15.60 | 25.7% |
| Larceny/Theft | Property | 116 | 16.61 | 27.6% |
| Motor Vehicle Theft | Property | 24 | 3.44 | 62.5% |
Live Oak, FL reported 58 violent crimes and 249 property crimes in 2020. The violent crime rate of 8.30 per 1,000 residents is 196.6% above the national average of 2.80 per 1,000. Law enforcement cleared 81% of violent crimes. Larceny/theft accounts for 116 of the property crime reports. Firearms were involved in 32.6% of aggravated assaults. Violent crime has been trending downward.
Crime History
Source: FBI| Year | Violent | Property | Violent Rate | Property Rate |
|---|---|---|---|---|
| 2020 | 58 | 249 | 8.30 | 35.65 |
| 2019 | 64 | 160 | 9.16 | 22.90 |
| 2017 | 45 | 129 | 6.44 | 18.47 |
| 2016 | 84 | 250 | 12.09 | 35.99 |
| 2015 | 55 | 168 | 7.86 | 24.01 |
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
71.3
Relatively Low
Expected Annual Loss
67.0
Score (0-100)
Social Vulnerability
60.1
Score (0-100)
Community Resilience
5.2
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
39
Public Assistance
$23.3M
Individual Assistance
$28.8M
Most Common Type
Hurricane
19 declarations
Public Assistance by Category
| Disaster | Type | Date | PA $ | IA $ |
|---|---|---|---|---|
| Hurricane Milton → | Hurricane | Oct 2024 | $118K | — |
| Hurricane Milton → | Hurricane | Oct 2024 | — | — |
| Hurricane Helene → | Hurricane | Sep 2024 | $2.8M | $8.5M |
| Tropical Storm Helene → | Tropical Storm | Sep 2024 | — | — |
| Hurricane Debby → | Tropical Storm | Aug 2024 | $2.6M | $4.7M |
| Tropical Storm Debby → | Tropical Storm | Aug 2024 | — | — |
| Severe Storms, Straight-line Winds, and … → | Severe Storm | Jun 2024 | $433K | — |
| Hurricane Idalia → | Hurricane | Aug 2023 | $8.2M | $7.6M |
| Tropical Storm Idalia → | Tropical Storm | Aug 2023 | — | — |
| Hurricane Nicole → | Hurricane | Dec 2022 | — | — |
| Hurricane Ian → | Hurricane | Sep 2022 | — | — |
| Tropical Storm Ian → | Hurricane | Sep 2022 | — | — |
| Tropical Storm Elsa → | Severe Storm | Jul 2021 | $4K | — |
| Covid-19 Pandemic → | Biological | Mar 2020 | — | $127K |
| Covid-19 → | Biological | Mar 2020 | — | — |
| Hurricane Dorian → | Hurricane | Aug 2019 | — | — |
| Hurricane Michael → | Hurricane | Oct 2018 | $32K | — |
| Hurricane Michael → | Hurricane | Oct 2018 | — | — |
| Hurricane Irma → | Hurricane | Sep 2017 | $2.8M | $1.2M |
| Hurricane Irma → | Hurricane | Sep 2017 | — | — |
Showing 20 of 42 disasters
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
362
Total Claims Paid
$8,274,677
Avg Claim Payout
$22,858
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
9
Federal Funding
$394,900
Properties Protected
1
Avg Benefit-Cost Ratio
1.99
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 601.2: Generators - Regular | 6 | $169,564 |
| 601.1: Generators | 1 | $149,295 |
| 202.1: Elevation of Private Structures - Riverine | 1 | $76,041 |
| 400.1: Utility Protective Measures (Electric, Gas, etc.) | 1 | $0 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Live Oak has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are hurricane, lightning, wildfire. The area has had 39 federal disaster declarations. The most common disaster type is hurricane (19 declarations). 362 flood insurance claims have been filed in the area. FEMA has obligated $23,278,227 in public assistance recovery funding. $28,840,144 has been distributed in individual assistance to disaster-affected residents. 9 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
38.3%
2.2pp above the national average
Depression Rate
17.6%
5.9pp below the national average
Diabetes Rate
14.4%
2.5pp above the national average
Uninsured Rate
16.2%
5.6pp above the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
38.3%
Arthritis
28.0%
Cancer (excl. skin)
8.4%
Teeth Lost (65+)
17.5%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
17.6%
14+ days in past month
Depression
17.6%
Loneliness
—
Lack of Support
—
Disability Prevalence
Any Disability
35.6%
Mobility
17.1%
Cognitive
15.7%
Hearing
7.6%
Vision
6.8%
Self-Care
4.8%
Independent Living
9.5%
Live Oak has an obesity rate of 38.3%, which is 2.2pp above the national average. The depression rate is 17.6%, 5.9pp below the national average. About 16.2% of adults lack health insurance. 78.2% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
5
Avg CMS Rating
2.0 / 5
Nearest Hospital
21.6 mi
Hca Florida Lake City Hospital
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Hca Florida Lake City Hospital | 21.6 mi | Acute Care Hospitals | 2/5 | Yes |
| Va North Florida/South Georgia Healthcare System - Lake City | 28.3 mi | Acute Care - Veterans Administration | — | Yes |
| Madison County Memorial Hospital | 28.8 mi | Critical Access Hospitals | — | Yes |
| Lake Butler Hospital | 39.7 mi | Critical Access Hospitals | — | Yes |
| Doctors Memorial Hospital Inc | 40.4 mi | Critical Access Hospitals | — | Yes |
Climate & Environment
Water Systems
Source: EPA SDWISWater Systems
4
Pop. Served
11,210
Violations (5yr)
1
| System Name | Pop. Served | Violations (5yr) |
|---|---|---|
| LIVE OAK WTP | 6,850 | 0 |
| SUWANNEE CORRECTIONAL INSTITUTE | 3,950 | 1 |
| WAYNE FRIER'S MOBILE HOME PARK | 310 | 0 |
| FLORIDA SHERIFF'S BOYS RANCH | 100 | 0 |
Greenhouse Gas Emitters
Source: EPA GHGRP (2023)Facilities Reporting
2
Total CO₂e
44.7K MT
Top Emitter
Suwannee River Power Plant
30.9K MT CO₂e
Total CO₂e vs Similar Cities (Under 10,000)
| Facility | Sector | CO₂e (MT) |
|---|---|---|
Suwannee River Power Plant Duke Energy Corp | Power Plants | 30,859 |
Suwannee Mill Binderholz Live Oak Llc | Other | 13,797 |
Data from EPA Greenhouse Gas Reporting Program (GHGRP). Includes facilities emitting 25,000+ metric tons CO₂e/year.
There are 4 water systems serving the area. 1 water quality violation has been reported in the past 5 years. 2 industrial facilities report greenhouse gas emissions totaling 44.7K metric tons of CO₂e.
Infrastructure
Commute Overview2023 ACS
Drive Alone
86.6%
+10% vs national
Work From Home
3.1%
-67% vs national
Carpool
6.6%
Walk / Bike
3.1%
combined
How Live Oak's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
Traffic Fatalities
Source: NHTSA FARS (2023)Fatalities
2
2023
5-Year Avg
1
fatalities/yr
Nighttime
1
dark conditions
| Year | Crashes | Fatalities | Alcohol | Pedestrian | Cyclist |
|---|---|---|---|---|---|
| 2023 | 2 | 2 | 0 | 0 | 0 |
| 2021 | 1 | 1 | 0 | 0 | 0 |
| 2020 | 1 | 1 | 0 | 1 | 0 |
| 2019 | 1 | 1 | 0 | 1 | 0 |
| 2018 | 1 | 1 | 0 | 0 | 0 |
Data from NHTSA Fatality Analysis Reporting System (FARS). Includes only crashes involving at least one fatality.
Commute data for Live Oak, FL covers travel times and transportation modes. 86.6% of workers drive alone, compared to the national average of 78.7%. 3.1% work from home, which is below the FL state average of 13.8%. 6.6% of workers carpool. 2.4% walk to work. 0.7% commute by bicycle. In 2023, there were 2 traffic fatalities from 2 fatal crashes.
Internet & Broadband Access
Source: Census ACSBroadband Access
80.2%
of households
Cable / Fiber / DSL
55.1%
of households
No Internet
19.2%
of households
Total Households
2,383
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
75.5%
of households
Smartphone
66.8%
of households
Desktop / Laptop
55.6%
of households
Tablet
52.5%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
14.1¢
per kWh
-26% vs Under 10,000 avg
Commercial Rate
11.0¢
per kWh
-29% vs Under 10,000 avg
Industrial Rate
8.5¢
per kWh
-28% vs Under 10,000 avg
Avg Monthly Bill
$156
residential
+6% vs Under 10,000 avg
17% below the national average of 17.1¢/kWh
Residential electricity in Florida averages 14.1¢ per kWh, compared to the national average of 17.1¢. The average monthly electric bill is $156. State-level averages from EIA Electric Sales & Revenue data (2024).
Live Oak vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (Under 10,000). Each city represents its state's average rate.
Residential Rate (¢/kWh)
Commercial Rate (¢/kWh)
Industrial Rate (¢/kWh)
Average Monthly Bill
Water Systems
Source: EPA SDWISWater Systems
4
Population Served
11,210
Violations (5yr)
1
| System Name | Type | Source | Pop. Served | Violations |
|---|---|---|---|---|
| LIVE OAK WTP | Community | Ground water under influence of surface water | 6,850 | 0 |
| SUWANNEE CORRECTIONAL INSTITUTE | Community | Ground water | 3,950 | 1 |
| WAYNE FRIER'S MOBILE HOME PARK | Community | Ground water | 310 | 0 |
| FLORIDA SHERIFF'S BOYS RANCH | Community | Ground water | 100 | 0 |
80.2% of households in Live Oak have broadband internet access. 55.1% have cable, fiber, or DSL service. 18.8% rely solely on cellular data without a wired connection. 19.2% of households have no internet access. 11.3% use only a smartphone without a desktop or laptop. The area is served by 4 water systems, providing water to 11,210 people. A total of 1 water quality violation has been recorded over the past 5 years.
Politics & Government
County-level data: Election results are reported at the county level. Live Oak is located in Suwannee County, FL. Results reflect all voters in the county, not just those in Live Oak.
Election Overview
Source: Suwannee County (2024)2024 Winner
Republican
Dem Votes
4,217
19.3%
GOP Votes
17,561
80.2%
Total Votes
21,891
Margin
R+61.0%
Shift from 2020
R+4.3pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 4,217 | 17,561 | 21,891 | 19.3% | 80.2% | R+61.0 |
| 2020 | 4,485 | 16,410 | 21,057 | 21.3% | 77.9% | R+56.6 |
| 2016 | 3,955 | 14,281 | 18,675 | 21.2% | 76.5% | R+55.3 |
In the 2024 presidential election, Suwannee County recorded 21,891 total votes. Republicans won the county with 80.2% of the vote compared to 19.3% for Democrats, a margin of R+61.0%. Compared to 2020, the margin shifted R+4.3pp from the previous election. Since 2016, Suwannee County has shifted 5.7 percentage points toward Republicans.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
134
Total Assets
$177.4M
Total Income
$99.6M
Per 10K Residents
194.2
nonprofits
-2.9% vs peers avg
Orgs with >$1M Assets
8
Median Assets
$223K
Oldest Active
1946
ruling year
Newest Org
2025
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationTop 10 hold $174.2M of $177.4M total
Nonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population Under 10,000
Largest Nonprofits in Live Oak
Source: IRS Exempt Organizations BMFLive Oak, FL has 134 registered 501(c)(3) nonprofit organizations with combined assets of $177.4M. The most common category is Religion-Related, with 22 organizations. 8 nonprofits have assets exceeding $1 million. That works out to 194.2 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1946.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
95
Total Approved
$49.3M
Jobs Supported
539
Per 10K Residents
137.7
SBA loans
-18.0% vs peers avg
Unique Lenders
22
Top Lender
First Federal Bank
25 loans
Top Industry
Agriculture, Forestry, Fishing
Data Span
1993–2025
Loan Program Breakdown
Source: SBA FOIALoans
85
Total Amount
$43.0M
Avg Loan
$506,329
Median Loan
$55,000
SBA Guaranteed
$32.1M(75%)
Jobs Supported
419
Loans
10
Total Amount
$6.2M
Avg Loan
$621,400
Median Loan
$374,500
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
15
16% of all-time total
Recent Amount
$12.8M
26% of all-time total
Avg Recent Loan
$851,660
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population Under 10,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Paradise Chicken Farm Llc | 1 | $5.0M |
| A.b.l. Farms Inc | 1 | $5.0M |
| Lone Star Farms Llc | 2 | $3.1M |
| A&m Medina Farms Llc | 1 | $3.1M |
| Jaya Hotels Inc | 1 | $2.9M |
| Deleon Enterprises Group Llc | 1 | $2.4M |
| De Leon Breeder Farm Llc | 1 | $2.3M |
| E & J La Rosa Enterprises Llc | 1 | $1.9M |
| Cheek & Scott Drugs Inc | 1 | $1.9M |
| Rachiry of Florida Llc | 1 | $1.8M |
Live Oak, FL has received 95 SBA loans totaling $49.3M in approved funding between 1993 and 2025. The 7(a) program accounts for 85 loans (89% of the total), supporting 419 jobs. The 504 program, focused on real estate and large equipment, has funded 10 loans totaling $6.2M. The most common industry receiving SBA funding is Agriculture, Forestry, Fishing. The most active SBA lender in Live Oak is First Federal Bank with 25 loans. That works out to 137.7 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
3
Total Population
31,948
Avg Median Income
$53,861
Avg Home Value
$181,433
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 32060 | 22,085 | $56,702 | $158,200 | $735 | 393.9 |
| 32062 | 2,202 | $54,565 | $221,800 | N/A | 66.2 |
| 32064 | 7,661 | $50,315 | $164,300 | $908 | 9.3 |
Live Oak, FL has 3 ZIP codes with a combined population of 31,948. The average median household income across all ZIP codes is $53,861. The average median home value is $181,433. The average median monthly rent is -$222,221,674.
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