Live Oak, California real estate market data.

Scott Brown — eXp Realty

Licensed in California (DRE #01956840). Call or text for a direct answer on local listings, pricing, or new construction.

What can I afford?

Estimate a comfortable price range in under a minute, then connect with a lender for real numbers.

Rough estimate only (28% of income toward housing, ~6.5% illustrative rate, 30-year term) — not a loan offer or pre-qualification. Connect with a lender for real numbers →

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Home Value, By Source

The Census Bureau's American Community Survey (2023 5-year estimate) puts Live Oak's median home value — across all owner-occupied homes, not just recent sales — at $975,900.

County Price Trend

Santa Cruz County's FHFA house price index shows a 0.27% annual change in 2025.

Population & Income

Live Oak has an estimated population of 16,866 and a median household income of $107,500, per the Census Bureau's American Community Survey (2023 5-year estimate).

Affordability Snapshot

Live Oak's Census-reported median home value works out to about 9.1x the area's median household income, and median gross rent runs roughly 27% of that same income on an annualized basis. Housing economists commonly flag a price-to-income ratio above 4x as historically elevated -- useful context, not a personal affordability verdict.