HomeFloridaSuwannee CountyLive Oak
Live Oak, Florida: commercial real estate data.
Live Oak is a Census city of 6,985 people across 7.63 square miles of land, in Suwannee County. Median household income is $59,375, 46.6 percent of occupied homes are owned, and the SBA record carries 17 7(a) approvals to borrowers here worth $14.2 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 area7.63 sq mi
- Water area0 sq mi
- Population per square mile of land916
- County holding the largest share of its areaSuwannee 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
- Population6,985
- Median age37.4
- Population under 181,393 plus or minus 351
- Share under 1819.9 percent plus or minus 5.0
- Population 65 and over1,092 plus or minus 276
- Share 65 and over15.6 percent plus or minus 4.0
- Households2,207
- Family households1,524
- Share of households that are families69.1 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$59,375
- Per capita income$24,691
- Civilian labor force3,711
- Employed3,185
- Unemployed526 plus or minus 363
- Unemployment rate14.2 percent plus or minus 9.6
- Adults 25 and over4,383
- Adults 25 and over with a high school diploma or higher90.0 percent
- Adults 25 and over with a bachelor degree or higher11.0 percent plus or minus 3.8
- Adults 25 and over with a graduate degree1.8 percent plus or minus 1.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
Housing in Live Oak
- Housing units2,810
- Occupied units2,207
- Vacant units603 plus or minus 183
- Vacancy rate21.5 percent plus or minus 6.0
- Owner occupied1,028 plus or minus 252
- Renter occupied1,179 plus or minus 245
- Ownership rate46.6 percent plus or minus 10.0
- Median owner-occupied home value$160,300 plus or minus $42,134
- Median gross rent, monthly$903
- Annual rent as a share of median income18.3 percent
- Single family units1,666 plus or minus 339
- Share single family59.3 percent
- Units in buildings of two or more466 plus or minus 193
- Share in buildings of two or more16.6 percent plus or minus 6.6
- Mobile homes678 plus or minus 228
- Median year structure built1977
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 commute2,954
- Commuting under 15 minutes1,187 plus or minus 388
- Share commuting under 15 minutes40.2 percent plus or minus 11.8
- Commuting 30 minutes or more750 plus or minus 246
- Share commuting 30 minutes or more25.4 percent plus or minus 7.5
- Drove alone82.5 percent
- Carpooled9.0 percent plus or minus 6.5
- Public transport0.0 percent
- Walked2.4 percent plus or minus 2.8
- Worked from home5.2 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Live Oak
SBA loans in Live Oak (7(a))
- Approvals17
- Gross approval$14,164,200
- Average approval$833,188
- Median approval$225,000
- Largest approval$3,105,000
- Jobs supported96
- Jobs per approval5.6
- Loans with a final outcome3
- Paid in full0
- Charged off3
- Median term120 months
- Share on real estate terms of 20 years or more35.3 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS13
Counted by borrower city: approvals to borrowers whose address is in Live Oak, in any county, FY2020 to FY2026. Only 3 loans have 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)
- Approvals4
- Gross approval$4,239,000
- Average approval$1,059,750
- Median approval$485,500
- Largest approval$2,918,000
- Jobs supported56
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Live Oak, in any county, FY2010 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, 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 number120334
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/16/13
The City of Live Oak participates in the National Flood Insurance Program as community 120334 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Suwannee County, not Live Oak
Suwannee County context, not Live Oak figures
- Establishments in Suwannee County755
- Covered employment, Suwannee County12,030
- Average annual pay, Suwannee County$47,639
- Housing units permitted, Suwannee County136
Every figure in this section is published for Suwannee 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, Florida?
6,985, in 2,207 households. Live Oak city covers 7.63 square miles of land, which is 916 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?
Suwannee 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?
$59,375. The median owner-occupied home is valued at $160,300. Median gross rent is $903 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?
17 7(a) approvals totaling $14.2 m since FY2020, across 6 lenders, median approval $225,000, plus 4 504 approvals worth $4.2 m 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 3 loans have 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 120334, with no Community Rating System class, so no CRS discount applies. 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 Suwannee 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.