Live Oak, CA

Living costs in Live Oak land close to the national average, with a Cost Index of 103 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $317,900, and typical monthly rents run around $860. Groceries and utilities are slightly above what you would find in most US cities.

Start with housing. Typical monthly rent is $860, while local median household income is $66,590. That implies a rent-burden proxy of about 15% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

California has a progressive state income tax with a top rate of 13.3%. The effective property tax rate is 0.71%. On a home worth $317,900, that translates to roughly $2,257 per year in property taxes. Sales tax (state + local) averages around 8.85% on everyday purchases.

The typical monthly rent in Live Oak is around $860. That's roughly 36% lower than the $1,348 national median. For comparison, the median home value here is $317,900, so buyers should also factor in mortgage payments, property taxes, and insurance.

The median home in Live Oak is valued at $317,900. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,607/month for principal and interest alone — before property taxes and insurance. About 69% of residents here own their homes.

Grocery prices in Live Oak are about average compared to the rest of the US (index: 105, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 161). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

Live Oak is a small town with a population of about 9,264. The median age of residents is 36.2, which is close to the national median. The local poverty rate is 15.13%, near the national average of 12.4%.