PlainZIP

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
$50,984
Median income
$165,500
Median home value
12.6%
Bachelor's or higher

The verdict

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
32th 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.

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 Florida average), while per-capita income is $24,419. 19.0% of residents live below the poverty line, and the unemployment rate reads 14.0%. Housing costs here run $165,500 for a typical home value (56% below the state average), with rent averaging $920 a month; 42.8% of homes are owner-occupied.

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. A geography-based comparison follows: 1 ZIP codes within about 10 miles of 32064, plus 5 more within Suwannee County, give a clearer read than the national average alone.

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.

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 + 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

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 32064?

40.2

Median Age

43.8%

Male

56.2%

Female

7.3%

Foreign-Born

White 46.6%
African American 28.0%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 21.3%
Hispanic or Latino 13.0%

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

$24,419

Per Capita Income

19.0%

Poverty Rate

14.0%

Unemployment Rate

21.2 min

Mean Commute Time

How ZIP 32064 ranks nationally

Live Oak, FL household income vs. every US ZIP code

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

$50,984 15th percentile higher than 15% 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 54.9%
Bachelor's Degree or Higher 12.6%

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

What does housing look like?

3,537

Total Housing Units

2,745

Occupied Units

792

Vacant Units

2.59

Avg Household Size

Occupancy Type

Owner 42.8%
Renter 57.2%

$165,500

Median Home Value

-56% vs state

$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

More ZIP Codes in Suwannee County

32060 standard
Live Oak, FL
Pop: 21,363
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 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.

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