HomeCaliforniaSutter CountyLive Oak
Live Oak, California: commercial real estate data.
Live Oak is a Census city of 9,347 people across 3.12 square miles of land, in Sutter County. Median household income is $73,571, 69.1 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $1.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Live Oak
What Live Oak is
- Census place typecity
- Land area3.12 sq mi
- Water area0 sq mi
- Population per square mile of land2,995
- County holding the largest share of its areaSutter County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
How many people live in Live Oak
- Population9,347
- Median age35.4
- Population under 182,729
- Share under 1829.2 percent
- Population 65 and over1,399 plus or minus 283
- Share 65 and over15.0 percent plus or minus 3.0
- Households2,706
- Family households2,067
- Share of households that are families76.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
Income and work in Live Oak
- Median household income$73,571
- Per capita income$26,147
- Civilian labor force4,174
- Employed3,897
- Unemployed277 plus or minus 160
- Unemployment rate6.6 percent plus or minus 3.8
- Adults 25 and over5,944
- Adults 25 and over with a high school diploma or higher70.3 percent
- Adults 25 and over with a bachelor degree or higher15.7 percent plus or minus 5.1
- Adults 25 and over with a graduate degree6.9 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
Housing in Live Oak
- Housing units2,875
- Occupied units2,706
- Vacant units169 plus or minus 126
- Vacancy rate5.9 percent plus or minus 4.3
- Owner occupied1,871
- Renter occupied835 plus or minus 186
- Ownership rate69.1 percent
- Median owner-occupied home value$350,700
- Median gross rent, monthly$1,014 plus or minus $393
- Annual rent as a share of median income16.5 percent plus or minus 7.2
- Single family units2,279
- Share single family79.3 percent
- Units in buildings of two or more422 plus or minus 163
- Share in buildings of two or more14.7 percent plus or minus 5.5
- Mobile homes174 plus or minus 110
- Median year structure built1995
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
How Live Oak gets to work
- Workers 16 and over who commute3,369
- Commuting under 15 minutes643 plus or minus 189
- Share commuting under 15 minutes19.1 percent plus or minus 5.2
- Commuting 30 minutes or more1,397 plus or minus 312
- Share commuting 30 minutes or more41.5 percent
- Drove alone73.7 percent
- Carpooled11.4 percent plus or minus 5.7
- Public transport0.0 percent
- Walked2.8 percent plus or minus 2.3
- Worked from home10.5 percent plus or minus 5.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
SBA loans in Live Oak (7(a))
- Approvals3
- Gross approval$1,886,500
- Average approval$628,833
- Median approval$250,000
- Largest approval$1,616,000
- Jobs supported23
- Jobs per approval7.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Live Oak, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Live Oak
SBA loans in Live Oak (504)
- Approvals1
- Gross approval$133,000
- Average approval$133,000
- Median approval$133,000
- Largest approval$133,000
- Jobs supported8
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Live Oak, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Live Oak
Flood risk in Live Oak
- NFIP communityCity of Live Oak
- NFIP community number060395
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date03/23/84(M)
The City of Live Oak participates in the National Flood Insurance Program as community 060395 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Sutter County, not Live Oak
Sutter County context, not Live Oak figures
- Establishments in Sutter County2,243
- Covered employment, Sutter County32,774
- Average annual pay, Sutter County$55,174
- Housing units permitted, Sutter County117
Every figure in this section is published for Sutter County as a whole and is not a measurement of Live Oak.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Live Oak questions, answered from the record.
How many people live in Live Oak, California?
9,347, in 2,706 households. Live Oak city covers 3.12 square miles of land, which is 2,995 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Live Oak in?
Sutter County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Live Oak?
$73,571. The median owner-occupied home is valued at $350,700. Median gross rent is $1,014 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Live Oak businesses?
3 7(a) approvals totaling $1.9 m since FY2020, across 3 lenders, median approval $250,000, plus 1 504 approvals worth $133,000 since FY2010. These count approvals to borrowers whose address is in Live Oak, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Live Oak borrowers get paid back?
No rate is published for Live Oak. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Live Oak in the National Flood Insurance Program?
Yes. Live Oak appears in the FEMA Community Status Book as Live Oak, city of, community 060395, carrying Community Rating System class 10, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Live Oak figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Sutter County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Live Oak.
Is zoning published for Live Oak?
No. Nothing on this page presents parcel level zoning.
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