PlainZIP

Live Oak, FL

Single-footprint Census roll-up for Live Oak, FL: 2 USPS ZIPs, population 28,223. Open the primary ZIP for household income, housing tenure, and commute from ACS 2023 5-Year Estimates.

U.S. Census Bureau, SimpleMaps US ZIP Code Database, delivery-area ZIP coverage

ACS city ledger plate

Sheet LIVE-OAK-FL · Live Oak, FL 2 ZIPs · 28,223 pop · #20270/25278 · Suwannee County

INC-MID · RANK-BOTTOM · BELOW-PEER · BOOK-FEW · OWN-LOW · POP-SMALL · SPREAD-TIGHT · HOME-LOW

  • INC-MID $54,247
  • RANK-BOTTOM #20270/25278
  • BELOW-PEER under O Brien
  • BOOK-FEW 2 ZIPs
  • OWN-LOW 62% owners
  • POP-SMALL 28,223
  • SPREAD-TIGHT 32064→32060
  • HOME-LOW $166,800

Nearest income peer: O Brien, FL (+ $3,014 income $)

Instrument codes from this city’s ACS household income, national rank, county-peer gap, ZIP book, owner tenure, population scale, intra-city income spread, and home-value band, not a moving recommendation.

Income neighbourhood around Live Oak

Lowest/highest poles plus county-sharing cities nearest Live Oak on average ZIP median household income. Full ladder: /cities.

median HH income

What this shows County-sharing peers only, not the full US city board. Open a near peer when the gap is small; open the poles when the mosaic is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-25

National city placement

According to ACS 5-Year Estimates, Live Oak, FL sits among US cities with one of the lowest household incomes among US cities, on a small-city population base, across a handful of delivery areas.

20th pct
household income vs 25,278 US cities
28,223
city population (Census)
2
USPS ZIP codes covered
$54,247
avg ZIP median income

Income percentile ranks this city's average ZIP median household income against 25,278 US cities with ACS income on at least one ZIP. Scale and ZIP-spread words come from Census population and USPS ZIP coverage.

Lower-income footing on only 2 ZIPs ($54,247 average) · poverty 16.4%. The primary code (32060) carries the ACS household fields that matter.

Owner-occupancy is comparatively low (62.0%) for this income tier, rent $883 may matter more than the home-value average.

Within Florida, Zephyrhills is the closest lower-income city and Lake Placid the closest higher-income city by average ZIP household income. Their 3 and 1 ZIP footprints are the immediate statewide comparison set for Live Oak.

Within-city ZIP comparison

Where the ZIP codes inside Live Oak differ

The published income range is comparatively compact across the ZIPs in Live Oak: $50,984 in ZIP 32064 to $57,510 in 32060. The city average is therefore a more representative summary here, though each ZIP page still carries its own housing and demographic record.

Income high-to-low ratio
1.1×

32064 to 32060

Home-value high-to-low ratio
1.0×

32064 to 32060

Poverty-rate spread
5.3 points

32060 to 32064

Derived from the published ACS 2023 ZIP-level records shown on this site. A high-to-low ratio compares the highest and lowest available ZIP values; it is not a score or forecast.

Population concentration

ZIP 32060 swallows Live Oak's short list

Across only 2 ZIPs, 32060 still holds about 76% of Live Oak's 28,223 residents. The secondary codes are thin edges; treat the city average as a near-reprint of the lead ZIP.

Census ZBP business roll-up

Balanced ZBP roll-up inside compact Live Oak

Citywide ZBP: 540 establishments, 7,161 employees , annual payroll $297,360k (~19 establishments per 1,000 residents) across 2 of 2 ZIPs. Peak business ZIP 32064 (273 units) ; leading NAICS Retail trade (101) · also Construction · Other services (except public administration) .

View your shortlist →

ZIP Codes in Live Oak, FL

These ZIP codes sit in Suwannee County, which covers 6 ZIP codes in all; 2 of them fall in Live Oak. See the Suwannee County roll-up →

Every one of the 4 cities sharing Suwannee County reports a higher average ZIP median income than Live Oak, Branford, O Brien and Wellborn among them. That gap is the county's income spread, not a measure of the housing or commute picture below. Wellborn marks the far end of that range at $64,271, 18% above Live Oak.

Side-by-side: Compare 32060 vs 32064 →

ZIP Code Population Median income Establishments Density
32060 21,363 $57,510 267 21
32064 6,860 $50,984 273 342
How we build city roll-ups · Guide: reading ZIP code data · BLS wages

Live Oak roll-ups here are for informational purposes only and do not constitute financial or relocation advice. ACS and Census ZBP figures are estimates; confirm the current table against Census before a money or move decision involving Live Oak, .