Cost of Living in Live Oak County, Texas

$949/mo

Median Monthly Rent

$142,300

Median Home Value

1% below state averageUnaffordable

At a Glance

Median Monthly Rent

$949/mo

1% below state average

Median Home Value

$142,300

50% below national

Rent-to-Income Ratio

21.0%

% of income spent on rent

Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)

Affordability Rating

Unaffordable

Rent over 50% of income

How Live Oak County Compares

Median monthly rent comparison

Live Oak County$949/mo

Texas Average$963/mo

National Median$1,163/mo

Detailed Housing Stats

$949/mo

Median Gross Rent

$142,300

Median Home Value

$568/mo

Monthly Owner Cost

21.0%

Rent-to-Income Ratio

Data Story

About Cost of Living in Live Oak County, Texas

Live Oak squeezes renters hardest

Live Oak County renters spend 21.1% of household income on housing, exceeding the national average and sitting among the nation's most affordability-challenged counties. Median income of just $53,869 paired with $949/month rents creates a notably tight housing squeeze.

Well above Texas average affordability pressure

Live Oak's 21.1% rent-to-income ratio significantly exceeds Texas's 18.1% state average, ranking it among the state's least affordable counties. Renters here face measurably more housing stress than typical Texans, despite rents running just $14 above the state median.

Worst affordability in this cluster

Live Oak's 21.1% rent burden nearly doubles Lipscomb's 13.6% and significantly exceeds Liberty (19.2%), Limestone (17.2%), and Llano (18.2%). The combination of low incomes and moderate-to-high rents makes this county the region's affordability outlier.

Homeownership offers meaningful relief

Live Oak homeowners with median home value of $142,300 pay $568/month—a stunning $381 less than renters monthly. This 40% savings gap means mortgage holders capture significantly more breathing room than renters in the same county.

Live Oak demands careful income planning

If you're considering Live Oak, prioritize homeownership over renting; the mortgage advantage is substantial and necessary given the county's lower income base. Remote workers and retirees with outside income will find better value here than traditional job seekers.

Affordability Calculator

See how your income compares to housing costs in Live Oak County

Your Annual Household Income

Rent Burden

21.1%

of gross income

Max Housing (28% Rule)

$1,257

per month

Owner Cost Burden

12.7%

of gross income

You can likely afford the median home in Live Oak County

Median home value is $142,300. Estimated monthly cost: $1,136 vs. your max of $1,257.

Rent Affordability Guide

Your rent-to-income ratio21.1%

Recommended max30.0%

Frequently Asked Questions

What is the cost of living in Live Oak County, Texas?

Live Oak County, Texas has a median monthly rent of $949/mo and a median home value of $142,300. The affordability rating is Unaffordable, with rent making up approximately 21.0% of median household income.

What is the median rent in Live Oak County?

The median gross rent in Live Oak County is $949/mo. This is 1% below state average for Texas.

Is Live Oak County affordable?

Live Oak County is rated Unaffordable based on rent-to-income ratio of 21.0%. Spending over 50% of income on rent is generally considered unaffordable.

How does Live Oak County's rent compare to the state average?

Live Oak County's median rent of $949/mo is 1% below state average of $963/mo for Texas.

What is the median home value in Live Oak County?

The median home value in Live Oak County, Texas is $142,300. This is 50% below the national median home value of $281,900.