The Town FilesLive Oak, California
Community in Santa Cruz County · population 17,038 (2020 Census)
- Median home
- $1,015,200
- Household income
- $103,674
- Jan low / Jul high
- 41° / 74°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 6
- Median age
- 41.8
Live Oak is a community of 17,038 people in Santa Cruz County, California. The median home is worth $1,015,200, above the typical California town ($596,900). It ranks more of a college town than 98% of California towns, better for cycling than 97% of California towns, better for young professionals than 93% of California towns.
How Live Oak ranks
Percentile among California towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of California towns.
Homes and cost of living
The median home in Live Oak is worth $1,015,200, above the typical California town ($596,900). Homes cost about 9.8 times the median household income of $103,674, which is more affordable than 10% of California towns. Median rent is $2,421 a month. 58.7% of households own their home.
| Housing | Live Oak | Typical California town |
|---|---|---|
| Median home value | $1,015,200 | $596,900 |
| Median rent | $2,421 | $1,827 |
| Median household income | $103,674 | $91,557 |
| Home value ÷ income | 9.8× | 6.4× |
| Homeownership | 58.7% | 67.4% |
| Median year built | 1978 | 1977 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in Live Oak
| People | Live Oak | Typical California town |
|---|---|---|
| Median age | 41.8 | 40.2 |
| Age 65 and over | 20.5% | 17.7% |
| Under 18 | 16.2% | — |
| Bachelor's degree or higher | 40.8% | 27.7% |
| Below the poverty line | 12.9% | 10.3% |
| Veterans | 2.7% | — |
| Born outside the U.S. | 15.4% | — |
| Work from home | 15.6% | 13.4% |
| Average commute | 21.9 min | 27.5 min |
| Homes with broadband | 95.5% | 93.3% |
Weather in Live Oak
July highs average 74.3°F and January lows 41.4°F. About 30.6 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical California town: 0.0 in). Expect about 6 days a year at 90°F or hotter and 6 nights at or below freezing.
Tornadoes, storms and disasters
6 tornadoes have passed within 10 miles of Live Oak since 1950, compared with 2 for the typical California town. The strongest, an EF1, struck on December 14, 2024 about 5.0 miles from the town center. The most recent was on December 14, 2024.
Severe weather in Santa Cruz County since 1996
Santa Cruz County has been included in 34 federal disaster or emergency declarations since 1953, most often for fire, flood, drought.
| Declared | Incident | Declaration |
|---|---|---|
| April 13, 2024 | Severe Storm | DR-4769: Severe Winter Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| April 3, 2023 | Severe Storm | DR-4699: Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides |
| March 10, 2023 | Flood | EM-3592: Severe Winter Storms, Flooding, Landslides, And Mudslides |
| January 14, 2023 | Flood | DR-4683: Severe Winter Storms, Flooding, Landslides, And Mudslides |
| January 9, 2023 | Flood | EM-3591: Severe Winter Storms, Flooding, And Mudslides |
Jobs and pay in Santa Cruz County
Santa Cruz County had 104,514 jobs in 2024, paying an average of $67,622 a year. Unemployment was 5.7% in 2023; in Live Oak itself the ACS puts it at 4.1%.
Towns near Live Oak
- Capitola, CA1.6 mi · 9,938 people · home $783,000
- Twin Lakes, CA1.8 mi · 4,944 people · home $959,100
- Pleasure Point, CA1.9 mi · 5,821 people · home $1,183,600
- Soquel, CA2.0 mi · 9,980 people · home $957,300
- Santa Cruz, CA3.1 mi · 62,956 people · home $1,209,000
- Seacliff, CA3.5 mi · 3,280 people · home $1,143,600
- Aptos, CA4.8 mi · 6,664 people · home $1,093,300
- Scotts Valley, CA5.1 mi · 12,224 people · home $1,105,700
Live Oak questions
Is Live Oak, California a good place to retire?
On The Town Files lifestyle rankings, Live Oak scores better for retirees than 59% of California towns and quieter than 17%. 20.5% of residents are 65 or older (median age 41.8).
How much does a house cost in Live Oak?
The median owner-occupied home in Live Oak is valued at $1,015,200 (Census ACS 2020–2024), against a median household income of $103,674, so homes cost about 9.8 times income. Median rent is $2,421 a month.
What is the weather like in Live Oak?
July highs average 74.3°F and January lows 41.4°F (NOAA 1991–2020 normals). It gets about 30.6 inches of precipitation a year and 0.0 inches of snow.
Does Live Oak get tornadoes?
6 tornadoes have passed within 10 miles of Live Oak since 1950 (NOAA Storm Events); the strongest was an EF1 on December 14, 2024. The typical California town has had 2.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)