Cost of Living in Live Oak, TX

With a cost of living index of 96, Live Oak, TX is slightly more affordable than average. Living here is 4% cheaper than the national average and 8% above the Texas state average of 88. Live Oak is a smaller community of 15,875 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in Live Oak's cost of living. The median monthly rent is $1,450 (10% above the US median of $1,319), and the median home value sits at $227,800 (25% below the national median of $304,900). At current prices, the median home costs roughly 2.9x the median household income — well within traditional affordability guidelines.

The median household income in Live Oak is $78,092, which is 4% higher than the national median of $75,149. Residents spend roughly 22% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Live Oak. The area sees an average annual temperature of 69.6°F, with summers averaging 84°F and winters around 54°F. Annual rainfall totals 32.4 inches spread over roughly 81 days. The mild climate is a draw for many residents and keeps utility costs moderate year-round.

Everyday prices in the San Antonio-New Braunfels, TX (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.