PlainZIP

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
$57,510
Median income
$168,100
Median home value
19.4%
Bachelor's or higher

The verdict

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
33th 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.

ZIP code 32060 is classified by USPS as a standard delivery area and covers roughly 1027.1 square miles in Live Oak, Suwannee County, Florida. The area is home to 21,363 residents, producing a population density of 21 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32060 against Florida and the nation.

On the economic side, the median household income for ZIP 32060 sits at $57,510 (25% below the Florida average), while per-capita income is $26,882. The poverty rate stands at 13.7% and the unemployment rate at 6.4%. On housing, the median home value is $168,100 (55% below the state average) with median rent at $846 per month, and 81.2% of occupied units are owner-occupied, a direct signal of whether 32060 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 19.4% of adults hold a bachelor's degree or higher, the median age is 45, and the average commute is 29 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 5 additional ZIPs sharing Suwannee County, so you can benchmark 32060 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32060

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32060.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32060?

45.0

Median Age

51.1%

Male

48.9%

Female

7.2%

Foreign-Born

White 79.7%
African American 7.4%
Asian 1.2%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.1%
Hispanic or Latino 10.7%

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

$26,882

Per Capita Income

13.7%

Poverty Rate

6.4%

Unemployment Rate

29.4 min

Mean Commute Time

How ZIP 32060 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$57,510 25th percentile higher than 25% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 55.7%
Bachelor's Degree or Higher 19.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

9,314

Total Housing Units

8,038

Occupied Units

1,276

Vacant Units

2.63

Avg Household Size

Occupancy Type

Owner 81.2%
Renter 18.8%

$168,100

Median Home Value

-55% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 32060 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32060 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32064 Live Oak, FL 6,860 4.1 mi
32062 Mc Alpin, FL 2,449 10.6 mi

More ZIP Codes in Suwannee County

32064 standard
Live Oak, FL
Pop: 6,860
32008 standard
Branford, FL
Pop: 5,309
32071 standard
O Brien, FL
Pop: 3,671
32094 standard
Wellborn, FL
Pop: 2,724
32062 standard
Mc Alpin, FL
Pop: 2,449

Related Areas

Suwannee County Live Oak, FL Florida

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Live Oak, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.