Live Oak, CA—95953
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Live Oak, CA
As of Oct '25, the median home price in Live Oak, CA is $386,000, with a year-over-year change of -2.0%. This indicates that home prices in Live Oak, CA are decreasing. According to Zillow, the 1-year price projection is -0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $386,000 | -2.0% |
| Single Family | $386,000 | -1.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $273,000 | -3.5% |
3 Bed | $355,000 | -2.2% |
4 Bed | $435,000 | -2.0% |
| 5 Bed | $487,000 | -2.2% |
% of Housing Stock
Rental Trends — Live Oak, CA
As of July '25, Rentcast reports the average rent in Live Oak, CA is $2,340, with a year-over-year rent change of 5.9%. Per bedroom, the median rent as of July '25 in Live Oak, CA is 3-bedrooms: $2,050, 4-bedrooms: $2,300. The most common rental property sizes in Live Oak, CA are 2-bedroom and 3-bedroom, accounting for 33.9% and 33.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,300 | $2,340 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,000 | $2,050 |
| 4 Bed Rent | $2,300 | $2,300 |
% of Rental Stock
Property Listings — Live Oak, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Live Oak, CA is 107. This is a increase of 176.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $446,000 | 3.0% |
Listing Count | 20 | 41.0% |
| Listings as % of Homes | 0.3% | 41.0% |
Days on Market | 107 | 176.0% |
Demographics — Live Oak, CA
As of the latest ACS Survey released in 2023, Live Oak, CA has a population of 10,900, which has remained stable by 0.0% over the past 5 years. Live Oak, CA is a popular place for families, as children make up 26.7% of the population. The area has a poorly educated workforce, with 14.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 10,900 | 0.0% |
% Under 18 | 26.7% | -4.6% |
% Seniors | 18.9% | 37.0% |
% WFH | 9.7% | 288.0% |
% w/ College Degree | 14.1% | 14.6% |
As of the latest ACS Survey released in 2023, Live Oak, CA is a predominantly hispanic area, with 40.6% of the population identifying as hispanic. The hispanic population has shrunk by 13.1% in the last 5 years. The second most common race or ethnicity in Live Oak, CA is white, making up 36.7% of the population. Foreign-born residents account for 24.6% of the population in Live Oak, CA, and this percentage has decreased by 4.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 36.7% | -5.7% |
% Black | 0.3% | -82.4% |
% Hispanic | 40.6% | -13.1% |
% Asian | 17.0% | 71.7% |
% Foreign Born | 24.6% | -4.7% |
Mortgage and Risk — Live Oak, CA
According to HUD data as of 2023, there were 135 mortgage originations in Live Oak, CA, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 36.0% above 90% LTV (very high). This implies large mortgage risk in Live Oak, CA. Investor activity is low, as 0.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 135 |
% Conventional Loans | 66.0% |
% Government Loans | 34.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Live Oak, CA
Live Oak, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 202 |
Total Units Section 8 | 202 |
% Rentals under Section 8 | 19.1% |
% Occupied Section 8 | 92.8% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,230 |
| 2 Bedroom | N/A | N/A | $1,560 |
| 3 Bedroom | $190 | $2,000 | $2,190 |
| 4 Bedroom | $320 | $2,300 | $2,620 |
Affordability — Live Oak, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.7 |
| Median Home Price | $386,000 |
| Median Household Income | $66,600 |