Live Oak, FL · standard
ZIP Code 32064
Suwannee County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,860
- 342/sq mi High-density area
- $50,984
- Median income Below-median income area
- $165,500
- Median home value Below-median home value
- 12.6%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Live Oak pairs one of the lowest household incomes in the country with below-median home values, in a low-density, mixed-tenure area.
- 15th pct
- household income, US ZIPs
- 32nd pct
- home value, US ZIPs
- 342
- people per sq mi
- 43%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32064 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 32064 (Live Oak, FL) fell -7.9% from 2023 to 2024.
ZIP code 32064 is a mid-sized community (a standard USPS delivery area) in Live Oak, Suwannee County, Florida, home to 6,860 residents across 20.1 square miles, a density of 342 people per square mile, in the New York time zone.
ZIP 32064 reports a modest median household income of $50,984 (34% below the average Florida ZIP), while per-capita income is $24,419. Unemployment is 14.0%, an important qualifier alongside the household-income figure. Home values sit below the statewide ZIP benchmark: the median is $165,500 (56% below the average Florida ZIP), and median rent is $920; owner occupancy is 42.8%.
Formal educational attainment runs low here: just 12.6% of adults hold a bachelor's degree or higher, the median age is 40.2, and the average commute is 21 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 5 more in Suwannee County, so 32064 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 32064
Top 5 sectors by establishment count in Live Oak, FL
Which industries have the most business establishments in ZIP 32064.
- Retail trade
Retail trade
55 establishments
- Health care and social assistance
Health care and social assistance
39 establishments
- Other services (except public administration)
Other services (except public administration)
39 establishments
- Accommodation and food services
Accommodation and food services
27 establishments
- Professional, scientific, and technical services 21
Professional, scientific, and technical services
21 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 32064, 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
6,860
Population
20.1
Area (sq mi)
342
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32064?
40.2
Median Age
43.8%
Male
56.2%
Female
7.3%
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?
$50,984
Median Household Income
-34% vs state ZIP avg
$24,419
Per Capita Income
19.0%
Poverty Rate
14.0%
Unemployment Rate
21.2 min
Mean Commute Time
How ZIP 32064 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)
$50,984 13th percentile higher than 13% 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
3,537housing units
3,537
Total Housing Units
2,745
Occupied Units
792
Vacant Units
2.59
Avg Household Size
Occupancy Type
$165,500
Median Home Value
-56% vs state ZIP avg
$920
Median Rent
1978
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 273 business establishments in ZIP 32064, employing approximately 2,621 people with a combined annual payroll of $96,073,000.
273
Businesses
2,621
Employees
$96.1M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 55 | 20.1% |
| Health care and social assistance | 39 | 14.3% |
| Other services (except public administration) | 39 | 14.3% |
| Accommodation and food services | 27 | 9.9% |
| Professional, scientific, and technical services | 21 | 7.7% |
| Construction | 18 | 6.6% |
| Real estate and rental and leasing | 17 | 6.2% |
| Finance and insurance | 12 | 4.4% |
| Manufacturing | 8 | 2.9% |
| Wholesale trade | 8 | 2.9% |
| Administrative and support and waste management and remediation services | 7 | 2.6% |
| Transportation and warehousing | 6 | 2.2% |
| Information | 6 | 2.2% |
| Arts, entertainment, and recreation | 4 | 1.5% |
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 32064 vs 32060 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 32060 | Live Oak, FL | 21,363 | 4.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32064, 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 (6,860 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 32064 in?
ZIP code 32064 (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 32064?
ZIP code 32064 in Live Oak, FL has a population of 6,860 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32064?
The median household income in ZIP 32064 is $50,984, which is 33% below the national average of $76,288.
What is the average home value in ZIP 32064?
The median home value in ZIP 32064 is $165,500, which is 41% below the national average of $278,155.
What is the demographic makeup of ZIP 32064?
The largest racial group in ZIP 32064 is White at 46.6%. Hispanic or Latino residents make up 13.0% of the population.
How many businesses are in ZIP code 32064?
ZIP code 32064 has 273 business establishments employing approximately 2,621 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32064?
The top industries by establishment count in ZIP 32064 are: Retail trade (55), Health care and social assistance (39), Other services (except public administration) (39). There are 14 industry sectors represented in total.
What is the education level in ZIP code 32064?
In ZIP code 32064, 54.9% of residents aged 25+ have a high school diploma or higher, and 12.6% 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 32064?
The mean commute time for workers in ZIP code 32064 is 21.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32064?
In ZIP code 32064, approximately 42.8% of occupied housing units are owner-occupied and 57.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32064?
The poverty rate in ZIP code 32064 is 19.0% 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 32064's numbers, next.
- See how ZIP 32064 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.