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Florida / Suwannee County / Live Oak

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Live Oak

City, Suwannee County. Population 7,051 (2025), +1.3% on the prior year, +4.7% since 2020 Last updated 2026-10-04.

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Live Oak

Boundary: US Census Bureau TIGER/Line, simplified for drawing. 7.63 square miles of land.

Population

2025
Population7,051Population, April 1, 1979 to 202519797.5k high2025
Change since the prior year+1.3%2024 to 2025
Change since 2020+4.7%2020 to 2025
Census 20206,7352020

University of Florida Bureau of Economic and Business Research, Florida Estimates of Population, retrieved 2026-10-01 | Population estimates

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Basis of the latest figureestimate2025

Population by year

April 1 of each year. Basis is census in a census year, otherwise BEBR's estimate.

YearPopulationBasisChange
20257,051estimate+1.3%
20246,962estimate+1.1%
20236,889estimate+0.1%
20226,884estimate+1.3%
20216,794estimate+0.9%
20206,735census-2.3%
20196,895estimate+0.8%
20186,837estimate-0.3%
20176,860estimate+0.6%
20166,819estimate-0.5%
20156,853estimate0.0%
20146,850estimate+0.7%
20136,800estimate-0.4%
20126,826estimate-0.5%
20116,858estimate+0.1%
20106,850census+2.7%
20096,669estimate-0.6%
20086,712estimate-2.1%
20076,855estimate+3.3%
20066,634estimate+0.9%
20056,576estimate+0.5%
20046,545estimate+0.2%
20036,534estimate+0.5%
20026,500estimate+0.3%
20016,480estimate0.0%
20006,480census-2.3%
19996,630estimate+0.6%
19986,589estimate+0.2%
19976,578estimate+1.7%
19966,465estimate-0.2%
19956,481estimate-1.4%
19946,570estimate+1.4%
19936,479estimate+2.3%
19926,334estimate-0.6%
19916,370estimaten/a
19897,447estimate+2.5%
19887,267estimate+0.3%
19877,244estimate+0.6%
19867,199estimate+2.9%
19856,997estimate+0.2%
19846,986estimate+0.7%
19836,939estimate+0.5%
19826,906estimate+1.5%
19816,807estimaten/a
19797,463estimaten/a

Labor force (county figures)

Aug 2026

County figures, no city estimate published by FloridaCommerce

Unemployment rate (Suwannee County)5.6%Unemployment rate, not seasonally adjusted, Aug 2016 to Aug 2026Aug 20169.3% highAug 2026
Labor force (Suwannee County)17,215Aug 2026
Employment (Suwannee County)16,256Aug 2026
Unemployed (Suwannee County)959Aug 2026
Rate a year earlier5.3%Aug 2025
Labor force, change on a year earlier+0.4%Aug 2026

US Bureau of Labor Statistics, Local Area Unemployment Statistics, retrieved 2026-10-01 | Labor force page

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Latest month is preliminaryyesAug 2026

Monthly, last three years

Not seasonally adjusted. The latest month may be preliminary.

MonthLabor forceEmployedUnemployedRate
Aug 202617,21516,2569595.6%
Jul 202616,79215,8299635.7%
Jun 202616,98416,0369485.6%
May 202617,24016,3149265.4%
Apr 202617,17416,2299455.5%
Mar 202617,14416,2209245.4%
Feb 202617,22016,2021,0185.9%
Jan 202617,12616,0581,0686.2%
Dec 202517,08916,1479425.5%
Nov 202517,34116,3161,0255.9%
Sep 202517,24116,3458965.2%
Aug 202517,14916,2469035.3%
Jul 202516,87416,0148605.1%
Jun 202516,94816,1348144.8%
May 202517,15816,4277314.3%
Apr 202517,16216,4607024.1%
Mar 202516,99216,2747184.2%
Feb 202516,85116,1327194.3%
Jan 202517,05716,3157424.4%
Dec 202416,99816,3836153.6%
Nov 202417,30816,5767324.2%
Oct 202417,38916,6727174.1%
Sep 202417,44216,7466964.0%
Aug 202417,47416,7277474.3%
Jul 202417,26516,4737924.6%
Jun 202417,18416,4537314.3%
May 202417,28516,6726133.5%
Apr 202417,30616,7465603.2%
Mar 202417,30416,6876173.6%
Feb 202417,22016,5906303.7%
Jan 202417,23916,5826573.8%
Dec 202317,13216,5405923.5%
Nov 202317,40216,7666363.7%
Oct 202317,36516,7086573.8%
Sep 202317,37116,7076643.8%
Aug 202317,40816,7266823.9%

Annual averages

YearLabor forceEmployedUnemployedRate
202517,07816,2558234.8%
202417,28516,6096763.9%
202317,17016,5785923.4%
202216,27615,7115653.5%
202116,38415,5987864.8%
202016,70915,6901,0196.1%
201917,22716,6276003.5%
201817,12716,4736543.8%
201717,28316,5337504.3%
201617,23416,3778575.0%
201517,91616,9309865.5%
201417,86916,6981,1716.6%
201317,96816,6671,3017.2%
201218,19516,6841,5118.3%
201118,79717,0391,7589.4%

Sales and visitor spending

12 months to Mar 2026
BusinessFlare® estimate, last 12 months$634.0M

Monthly series, visitor, resident and big ticket groups, chart and workbook with the pass. Get the pass / Sign in Wide error flag.

Pass holders: once signed in on the pass page, the monthly estimate loads here.

Economic Census geographic area series, retail trade and accommodation and food services, 2017 and 2022, retrieved 2026-10-01; BusinessFlare® city-level sales and visitor spending estimate (method and error; the figures are Street Economics Pass data), retrieved 2026-10-04 | How the estimate is made

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BusinessFlare® estimate from public sources. The estimate anchors on the sales the US Census Bureau published for this place in the 2017 and 2022 Economic Census, for retail trade and for accommodation and food services, and moves them month by month with the county's sales tax returns by kind of business (Florida Department of Revenue Form 10). After the 2022 anchor the place's share of the county moves with the growth of its commercial property on the Department's 2026 tax roll, as submitted by the county property appraiser, by use code: stores, shopping centers, supermarkets and auto dealers for retail; restaurants, bars and hotels for accommodation and food. The three spending groups follow the county's kind code mix within each sector. Every place with both anchors was carried from 2017 to 2022 the same way and the landing on the 2022 Census figure is the published error.

A landing error over 25% carries a wide error flag. The error is published with every figure; an estimate is never shown without it. Rounded to the nearest hundred thousand dollars; the monthly series is pass data.

Statewide median error, 2017 to 2022 back-test15.7%2017 to 2022
Retail trade (NAICS 44-45): Census sales 2017$375M2017
Retail trade (NAICS 44-45): Census sales 2022$354M2022
Retail trade (NAICS 44-45): 2022 landing error35.4%2022
Accommodation and food services (NAICS 72): Census sales 2017$38.6M2017
Accommodation and food services (NAICS 72): Census sales 2022$50.5M2022
Accommodation and food services (NAICS 72): 2022 landing error4.3%2022

Economic Census anchors and the back-test

SectorCensus sales 2017Census sales 20222017 carried to 2022Landing error
Retail trade (NAICS 44-45)$375M$354M$479M35.4%
Accommodation and food services (NAICS 72)$38.6M$50.5M$52.6M4.3%
  • wide error: the 2017 carry-forward landed 35% from the 2022 Census figure for Retail trade (NAICS 44-45)

Business base

Aug 2026
Licensed food service, lodging and alcohol businesses110New licenses by month, Sep 2016 to Aug 2026Sep 20163 highAug 2026
Food service licenses55Aug 2026
Lodging licenses15Aug 2026
Alcoholic beverage licenses40Aug 2026
New licenses, last 12 months8Aug 2026
New business filings, last 12 months (postal city)444Sep 2026
Change on the 12 months before+0.7%Sep 2026
New filings, latest month26Sep 2026

County Business Patterns and ZIP Code Business Patterns, complete data files, retrieved 2026-10-01; Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses, retrieved 2026-10-01; Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month, retrieved 2026-10-01 | Licenses Business formations

Licenses are placed inside the city limits by their geocoded address.

Business formations are by postal city: Live Oak, which is not the city limits.

Establishments, employment and payroll are a ZIP code basis: ZIP codes 32064.

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Establishments (ZIP basis)2732023
Employees, mid March (ZIP basis)2,6212023
Annual payroll (ZIP basis)$96.1M2023

Licenses by type

Counted licenses in DBPR's food service, lodging and alcoholic beverage files, placed by geocoded address.

License typeFileActive
2010-SEATfood41
2APSalcohol17
2014-MFDVfood11
2003-NAPTlodging8
2COPalcohol7
7COP-SFSalcohol6
2002-MOTLlodging5
1APSalcohol4
3CPSalcohol3
2010-NOSTfood2
11Calcohol1
1COPalcohol1
7COP-SBXalcohol1
2014-HTDGfood1
2001-HOTLlodging1
2007-DWEL-SNGLlodging1

Filings by entity type, last 12 months

Sunbiz new entity filings by the ZIP code of the principal address, grouped to the USPS postal city (postal city: Live Oak)

Entity typeLast 12 months12 months before
Florida limited liability companies394377
Florida profit corporations2932
Florida non-profit corporations1729
Out of state entities registering in Florida43
Partnerships, trusts and other filings00

ZIP Code Business Patterns, 2023

ZIP codes 32064: the ZIP codes whose Census internal point falls inside the city limits. A ZIP code crosses the limits, so this is a ZIP basis, not the city.

ZIP codeEstablishmentsEmployeesAnnual payroll
320642732,621$96.1M

Building permits

Aug 2026
Housing units permitted, last 12 months3Housing units permitted by month, Dec 2009 to Aug 2026Dec 20097 highAug 2026
Change on the 12 months before+50.0%Aug 2026
Permit valuation, last 12 months$209KAug 2026
Units, latest month0Aug 2026
Single family units, last 12 months1Aug 2026
Units in buildings of 5 or more, last 12 months0Aug 2026
Units, latest annual table32025

US Census Bureau, Building Permits Survey, place and county residential permits, retrieved 2026-10-01 | Building permits

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Monthly, last three years

Residential permits as the Bureau publishes them; imputed months are the Bureau's imputations.

MonthUnits1 unit5 or moreValuation
Aug 2026000$0
Jul 2026000$0
Jun 2026110$129K
May 2026000$0
Apr 2026000$0
Mar 2026000$0
Feb 2026000$0
Jan 2026000$0
Dec 2025000$0
Nov 2025000$0
Oct 2025000$0
Sep 2025200$80K
Aug 2025000$0
Jul 2025000$0
Jun 2025000$0
May 2025000$0
Apr 2025000$0
Mar 2025110$129K
Feb 2025000$0
Jan 2025000$0
Dec 2024000$0
Nov 2024000$0
Oct 2024110$129K
Sep 2024000$0
Aug 2024110$129K
Jul 2024110$129K
Jun 2024110$129K
May 2024110$129K
Apr 2024110$129K
Mar 2024000$0
Feb 2024110$129K
Jan 2024110$129K
Dec 2023110$129K
Nov 2023000$0
Oct 2023000$0
Sep 2023110$129K

Annual table

YearUnits1 unit5 or moreValuation
2025310$209K
2024600$240K
2023990$1.16M
2022990$1.16M
2021471136$5.07M
2020220$189K
2019220$187K
2018660$510K
2017550$425K
2016550$425K
2015000$0
2014000$0
2013110$100K
2012110$150K
2011000$0

Property roll

2026 preliminary
Total just value$607M
Total taxable value (non school)$325M2026 preliminary
Total taxable value (school)$375M2026 preliminary
Just value, change on the prior roll+9.8%2025 final roll to 2026 preliminary
Taxable value (non school), change on the prior roll+13.0%2025 final roll to 2026 preliminary
Total just value, prior roll$553M2025 final roll
New construction value$7.73M2026 preliminary
Parcels4,4802026 preliminary

Florida Department of Revenue, NAL tax roll, 2026 preliminary and final as posted, retrieved 2026-10-03

Parcels are placed by Census block group through the Census Bureau's block assignment file; a parcel in a block group that straddles the limits is apportioned. Census 2010 block groups; 16% of the county's just value lies in a place. Medians are over the parcels whose block group lies mostly in the place. Qualified sales: the roll's own sale fields, qualification codes 01 and 02, improved, single parcel.

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Median single family just value$119K2026 preliminary
Qualified sales, last 12 months56Jun 2025 to May 2026
Median qualified sale price$166KJun 2025 to May 2026
Just value, residential$328M2026 preliminary
Just value, commercial$87.7M2026 preliminary
Just value, industrial$7.77M2026 preliminary
Just value, agricultural$59.8M2026 preliminary
Just value, vacant$41.7M2026 preliminary
Just value, institutional$21.5M2026 preliminary
Just value, government$56.8M2026 preliminary
Just value, other$3.6M2026 preliminary

Just value by use group

Department of Revenue land use codes grouped: residential 001 to 009, commercial 011 to 039, industrial 041 to 049, agricultural 050 to 069, vacant 000, 010, 040 and 070, institutional 071 to 079, government 080 to 089, other 090 to 099. Taxable is the non school taxable value. Just value change compares with the 2025 final roll, summed the same way.

Use groupParcelsJust valueTaxable (non school)New constructionResidential unitsJust value change
Residential2,362$328M$172M$5.9M2,550+7.1%
Commercial275$87.7M$76.8M$328Kn/a+17.4%
Industrial28$7.77M$7.02M$16.6Kn/a+9.9%
Agricultural355$59.8M$20.8M$1.09Mn/a+3.2%
Vacant1,186$41.7M$34.2M$374Kn/a+42.1%
Institutional76$21.5M$6.97M$0n/a+6.6%
Government174$56.8M$3.84M$8.04Kn/a+4.7%
Other24$3.6M$3.29M$16.9Kn/a+21.9%

Housing

2020 to 2024 ACS
Housing units2,810Homeownership rate, 1990 to 2024199066.0% high2024
Occupied units2,2072020 to 2024 ACS
Vacant units6032020 to 2024 ACS
Owner occupied households1,0282020-2024 5-Year
Renter occupied households1,1792020-2024 5-Year
Homeownership rate46.6%2020 to 2024 ACS
Cost burdened households, all tenures (over 30% of income)30.0%2025
Cost burdened renter households35.9%2025

Shimberg Center for Housing Studies, Florida Housing Data Clearinghouse, retrieved 2026-10-01 | Housing data

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Severely cost burdened renters (over 50%)32.1%2025
Assisted housing developments10Assisted Housing Inventory
Assisted units506Assisted Housing Inventory
Median gross rent$0.9K2020 to 2024 ACS
Median single family sale price$178K2024

Cost burden by income, 2025

Households by the share of income spent on housing, Shimberg Center estimates for 2025.

TenureIncome (share of area median)30% or less30.1 to 50%Over 50%
All households30% AMI or less043337
All households30.01-50% AMI7956122
All households50.01-80% AMI1606379
All households80.01-120% AMI56500
All householdsGreater than 120% AMI980650
Renters30% AMI or less00272
Renters30.01-50% AMI3618111
Renters50.01-80% AMI243030
Renters80.01-120% AMI20700
RentersGreater than 120% AMI55700
Owners30% AMI or less04365
Owners30.01-50% AMI433811
Owners50.01-80% AMI1363349
Owners80.01-120% AMI35800
OwnersGreater than 120% AMI423650

Single family sales by year

YearMedian priceSales
1996$48.9K55
1997$46.7K58
1998$56.8K45
1999$53K69
2000$57.8K48
2001$58K55
2002$59.5K55
2003$65.2K70
2004$73K79
2005$82.5K95
2006$103K83
2007$106K56
2008$101K42
2009$89K18
2010$80K25
2011$59K29
2012$72.2K26
2013$67.3K40
2014$67.2K16
2015$78.7K20

Assisted housing developments

Shimberg Center Assisted Housing Inventory.

DevelopmentAddressCityUnitsAssisted
Silas Oaks1120 SW Silas DriveLive Oak110110
Mcmullen Heights604 Webb Dr NELive Oak104104
Live Oak - Meadows1600 Helvenston Street SELive Oak8787
Meadows Apts. Phase I1600 SE HELVENSTON STLive Oak5151
Meadows Apts Phase II1600 SE HELVENSTON STLive Oak3636
Suwannee Pointe900 Silas Drive SWLive Oak3636
Village Oaks Apts, Phase I705 NORTHWEST DRIVELive Oak3232
Village Oaks Apts, Phase II705 NORTHWEST DRIVE SWLive Oak2424
Suwannee Pointe II900 Silas DriveLive Oak2020
Blackburn Group Home821 Blackburn Avenue SWLive Oak66

Fiscal

Sep 2026
Half-cent sales tax, latest month$40.2KHalf-cent sales tax distributions by month, Oct 2016 to Sep 2026Oct 2016$45.5K highSep 2026
Half-cent sales tax, fiscal year to date$442KFY2026 to Sep 2026
Half-cent sales tax, last 12 months$442KSep 2026
Half-cent sales tax, change on the 12 months before-8.7%Sep 2026
State revenue sharing, latest month$30.9KSep 2026
State revenue sharing, fiscal year to date$370KFY2026 to Sep 2026
State revenue sharing, last 12 months$370KSep 2026
State revenue sharing, change on the 12 months before+3.9%Sep 2026

Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments, retrieved 2026-10-01; Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments, retrieved 2026-10-01; Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding, retrieved 2026-10-04 | Distributions Annual financial report

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Total revenues$26.7MFY2024
Revenues, change on the year before+14.1%FY2024
Total expenditures$21.1MFY2024
Expenditures, change on the year before+13.6%FY2024
Revenues per resident$3.84KFY2024
Long-term debt outstanding at year end$7.19MFY2025
Long-term debt, change on the year before-10.6%FY2025

Half-cent sales tax, monthly distributions

As the Department of Revenue's ledger prints them; a blank month is a month with no line.

MonthDistributed
Sep 2026$40.2K
Aug 2026$38.8K
Jul 2026$35.1K
Jun 2026$39K
May 2026$42.5K
Apr 2026$31.4K
Mar 2026$34K
Feb 2026$36.7K
Jan 2026$34.7K
Dec 2025$39.4K
Nov 2025$37.1K
Oct 2025$32.8K
Sep 2025$41.9K
Aug 2025$40.4K
Jul 2025$39.9K
Jun 2025$43.1K
May 2025$45.3K
Apr 2025$38.6K
Mar 2025$36.4K
Feb 2025$39.4K
Jan 2025$44.5K
Dec 2024$41.2K
Nov 2024$35.5K
Oct 2024$37.5K
Sep 2024$36.2K
Aug 2024$38.5K
Jul 2024$38.4K
Jun 2024$38.5K
May 2024$41.5K
Apr 2024$37.4K
Mar 2024$38K
Feb 2024$42K
Jan 2024$36.1K
Dec 2023$40.8K
Nov 2023$40.1K
Oct 2023$35.5K

State revenue sharing, monthly distributions

As the Department of Revenue's ledger prints them; a blank month is a month with no line.

MonthDistributed
Sep 2026$30.9K
Aug 2026$30.9K
Jul 2026$30.9K
Jun 2026$30.3K
May 2026$30.3K
Apr 2026$30.3K
Mar 2026$30.3K
Feb 2026$30.3K
Jan 2026$30.3K
Dec 2025$32.1K
Nov 2025$32.1K
Oct 2025$32.1K
Sep 2025$32.9K
Aug 2025$32.9K
Jul 2025$32.9K
Jun 2025$28.1K
May 2025$28.1K
Apr 2025$28.1K
Mar 2025$28.1K
Feb 2025$28.1K
Jan 2025$28.1K
Dec 2024$28.1K
Nov 2024$30.5K
Oct 2024$30.5K
Sep 2024$30.5K
Aug 2024$30.5K
Jul 2024$30.5K
Jun 2024$32.5K
May 2024$32.5K
Apr 2024$32.5K
Mar 2024$32.5K
Feb 2024$32.5K
Jan 2024$32.5K
Dec 2023$32.5K
Nov 2023$32.5K
Oct 2023$32.5K

Long-term debt by fiscal year

Total long-term debt outstanding at fiscal year end, all funds, as the government reported it to the Department of Financial Services in its Annual Financial Report.

Fiscal yearDebt outstandingChange
FY2025$7.19M-10.6%
FY2024$8.04M-10.5%
FY2023$8.98M-7.6%
FY2022$9.71M-7.8%
FY2021$10.5M-5.5%
FY2020$11.1M-9.6%
FY2019$12.3M-9.6%
FY2018$13.6M-88.1%
FY2017$115M+630.9%
FY2016$15.7M-26.9%
FY2015$21.4M-6.2%
FY2014$22.9M-5.7%
FY2013$24.2Mn/a

Revenues by category, FY2024

Sum of the fund columns in EDR's workbook for this government.

CategoryFY2024FY2023Change
General Government Taxes$6.69M$5.77M+16.0%
Permits, Fees, and Special Assessments$1.24M$1.22M+1.3%
Intergovernmental Revenues$3.61M$3M+20.3%
Charges for Services$9.61M$9.07M+6.0%
Judgments, Fines, and Forfeits$22K$16.9K+29.7%
Miscellaneous Revenues$1.4M$1.68M-17.0%
Other Sources$4.14M$2.65M+56.3%
Taxesn/an/an/a
Intergovernmental Revenuen/an/an/a
Permits and Franchise Feesn/an/an/a

Expenditures by category, FY2024

Sum of the fund columns in EDR's workbook for this government.

CategoryFY2024FY2023Change
General Government Services (Not Court-Related)$2.5M$2.24M+11.4%
Public Safety$4.3M$3.89M+10.5%
Physical Environment$7.61M$7.07M+7.6%
Transportation$2.01M$1.53M+31.4%
Economic Environment$140K$41.2K+241.0%
Human Services$65.3K$57K+14.7%
Culture / Recreation$393K$397K-1.0%
Other Uses and Non-Operating$4.11M$3.37M+22.1%
Other Usesn/an/an/a

Bank deposits

June 30, 2026
Deposits (offices reporting this city)$896MDeposits, June 30 each year, 1994 to 20261994$896M high2026
Change on a year earlier+16.8%June 30, 2026
Change, real+13.1%June 30, 2026
Branches5June 30, 2026
Institutions4June 30, 2026
Branches opened since the survey a year earlier0June 30, 2026
Branches closed since the survey a year earlier0June 30, 2026

FDIC Summary of Deposits, Florida offices, every June 30 since 1994, retrieved 2026-10-01 | Bank deposits

Offices whose reported city is Live Oak.

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Offices, June 30, 2026

Deposits as each office reports them to the FDIC; the city is the one the bank reports, not a municipal boundary.

InstitutionBranchAddressCityDeposits
First Federal BankSouth Ohio Avenue Branch804 Ohio Ave SLive Oak$532M
TD Bank, National AssociationSouth Ohio Avenue Branch535 Ohio Ave SLive Oak$123M
Ameris BankLive Oak Branch201 Ohio Ave SLive Oak$117M
Lafayette State BankLive Oak Branch106 Grand St NeLive Oak$99.6M
First Federal BankLive Oak Branch1102 Ohio Ave NLive Oak$23.6M

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