Live Oak, FL · standard
ZIP Code 32060
Suwannee County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 21,363
- 21/sq mi Moderate-density area
- $57,510
- Median income Below-median income area
- $168,100
- Median home value Near-median home value
- 19.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Live Oak pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 25th pct
- household income, US ZIPs
- 33rd pct
- home value, US ZIPs
- 21
- people per sq mi
- 81%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32060 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32060 (Live Oak, FL) rose +17.6% from 2023 to 2024. The all-transactions index moved from 257.9 in 2023 to 303.1 in 2024 (2000 = 100).
ZIP code 32060 is a densely settled ZIP (a standard USPS delivery area) in Live Oak, Suwannee County, Florida, with 21,363 residents across 1027.1 square miles, a density of 21 people per square mile, in the New York time zone.
ZIP 32060 reports a modest median household income of $57,510 (25% below the average Florida ZIP), while per-capita income is $26,882. The poverty rate is 13.7%, with unemployment at 6.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $168,100 (55% below the average Florida ZIP), and median rent is $846; owner occupancy is 81.2%.
Educational attainment sits below the national norm: 19.4% of adults hold a bachelor's degree or higher, the median age is 45, and the average commute is 29 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 5 more in Suwannee County, so 32060 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32060
Top 5 sectors by establishment count in Live Oak, FL
Which industries have the most business establishments in ZIP 32060.
- Construction
Construction
52 establishments
- Retail trade
Retail trade
46 establishments
- Professional, scientific, and technical services 19
Professional, scientific, and technical services
19 establishments
- Transportation and warehousing 18
Transportation and warehousing
18 establishments
- Administrative and support and waste management and remediation services 17
Administrative and support and waste management and remediation services
17 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32060, Live Oak, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
21,363
Population
1027.1
Area (sq mi)
21
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32060?
45.0
Median Age
51.1%
Male
48.9%
Female
7.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$57,510
Median Household Income
-25% vs state ZIP avg
$26,882
Per Capita Income
13.7%
Poverty Rate
6.4%
Unemployment Rate
29.4 min
Mean Commute Time
How ZIP 32060 ranks among Florida ZIPs
Live Oak, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$57,510 22nd percentile higher than 22% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,314housing units
9,314
Total Housing Units
8,038
Occupied Units
1,276
Vacant Units
2.63
Avg Household Size
Occupancy Type
$168,100
Median Home Value
-55% vs state ZIP avg
$846
Median Rent
1991
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+17.6%
YoY Change (2024)
303
HPI Index (2000 = 100)
+203%
Total Change Since 2000
Home values in ZIP 32060 have increased 17.6% over the past year (2024). Since 2000, this ZIP has seen +203% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.2% | 173 |
| 2021 | +17.8% | 203 |
| 2022 | +16.2% | 236 |
| 2023 | +9.2% | 258 |
| 2024 | +17.6% | 303 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 267 business establishments in ZIP 32060, employing approximately 4,540 people with a combined annual payroll of $201,287,000.
267
Businesses
4,540
Employees
$201.3M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 52 | 19.5% |
| Retail trade | 46 | 17.2% |
| Professional, scientific, and technical services | 19 | 7.1% |
| Transportation and warehousing | 18 | 6.7% |
| Administrative and support and waste management and remediation services | 17 | 6.4% |
| Other services (except public administration) | 17 | 6.4% |
| Health care and social assistance | 15 | 5.6% |
| Real estate and rental and leasing | 14 | 5.2% |
| Accommodation and food services | 13 | 4.9% |
| Wholesale trade | 11 | 4.1% |
| Finance and insurance | 9 | 3.4% |
| Manufacturing | 8 | 3.0% |
| Information | 7 | 2.6% |
| Agriculture, forestry, fishing and hunting | 6 | 2.3% |
| Arts, entertainment, and recreation | 4 | 1.5% |
| Industries not classified | 4 | 1.5% |
| Utilities | 3 | 1.1% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 32060 vs 32064 →
ZIP 32060 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32060
Live Oak (32060)
21,363 residents
- 32064 6,860
Live Oak (32064)
6,860 residents
- 32062 2,449
Mc Alpin (32062)
2,449 residents
What this shows Among its immediate neighbors, ZIP 32060 ranks the most populous - useful context the national average alone can't give.
ZIP 32060 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32062
Mc Alpin (32062)
$58,313 median income
- 32060
Live Oak (32060)
$57,510 median income
- 32064
Live Oak (32064)
$50,984 median income
What this shows By household income, ZIP 32060 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32060, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (21,363 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Suwannee County
Related Areas
Frequently Asked Questions
What county is ZIP code 32060 in?
ZIP code 32060 (Live Oak) is located in Suwannee County, Florida. Suwannee County contains multiple ZIP codes, see the full list at /counties/suwannee-fl.
What is the population of ZIP code 32060?
ZIP code 32060 in Live Oak, FL has a population of 21,363 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32060?
The median household income in ZIP 32060 is $57,510, which is 25% below the national average of $76,288.
What is the average home value in ZIP 32060?
The median home value in ZIP 32060 is $168,100, which is 40% below the national average of $278,155.
What is the demographic makeup of ZIP 32060?
The largest racial group in ZIP 32060 is White at 79.7%. Hispanic or Latino residents make up 10.7% of the population.
How many businesses are in ZIP code 32060?
ZIP code 32060 has 267 business establishments employing approximately 4,540 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32060?
The top industries by establishment count in ZIP 32060 are: Construction (52), Retail trade (46), Professional, scientific, and technical services (19). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 32060?
According to the FHFA House Price Index, home values in ZIP 32060 increased by 17.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 203%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32060?
In ZIP code 32060, 55.7% of residents aged 25+ have a high school diploma or higher, and 19.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32060?
The mean commute time for workers in ZIP code 32060 is 29.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32060?
In ZIP code 32060, approximately 81.2% of occupied housing units are owner-occupied and 18.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32060?
The poverty rate in ZIP code 32060 is 13.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 32060's numbers, next.
- See how ZIP 32060 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Live Oak, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.