Live Oak, CA housing market
Home prices around Live Oak have risen about 40% over the past 5 years.
Home values, sales, trends and how Live Oak compares with the towns next door — updated as new data is published.
Home prices up 40% in 5 years
The federal house price index for the ZIP codes around Live Oak rose 40% over the past 5 years, about the same as across California. Last year prices rose 3.4%. Carrying the Census median home value forward with that index puts the typical Live Oak home at roughly $1,430,000 today.
Show as a table
| Year | Change that year | Since 2000 | California since 2000 |
|---|---|---|---|
| 2025 | +3.4% | +190% | +224% |
| 2024 | +5.5% | +181% | +222% |
| 2023 | +4.5% | +166% | +208% |
| 2022 | +14% | +154% | +203% |
| 2021 | +6.9% | +122% | +161% |
| 2020 | +0.5% | +108% | +132% |
| 2019 | +0.5% | +107% | +127% |
| 2018 | +6.7% | +106% | +120% |
| 2017 | +6.5% | +93% | +106% |
| 2016 | +8.2% | +81% | +94% |
| 2015 | +7.6% | +67% | +80% |
| 2014 | +11% | +56% | +70% |
| 2013 | +8.1% | +40% | +49% |
| 2012 | +1.5% | +30% | +35% |
| 2011 | −5.2% | +28% | +35% |
| 2010 | −2.3% | +35% | +44% |
| 2009 | −12% | +38% | +49% |
| 2008 | −10% | +57% | +75% |
| 2007 | 0% | +75% | +119% |
| 2006 | +6.8% | +75% | +129% |
| 2005 | +23% | +64% | +107% |
| 2004 | +11% | +34% | +65% |
| 2003 | +3.5% | +21% | +36% |
| 2002 | +5.7% | +17% | +24% |
| 2001 | +11% | +11% | +12% |
| 2000 | — | — | — |
Federal Housing Finance Agency House Price Index (annual, developmental) for ZIP codes 95062, 95065, 95073, weighted by land area. It tracks repeat sales and appraisals of the same homes, so it shows how prices changed, not what homes cost. The estimated value scales the Census (ACS 2020-2024) median home value by that change.
Live Oak and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | New homes 2025 | Median income |
|---|---|---|---|---|---|
| Live Oak | — | +3.4%† | $4,850 | — | $103,674 |
| Santa Cruz | $1.35M | +5.7% | $4,960 | 228 | $115,475 |
| Capitola | $1.24M | +6.8% | $4,420 | 6 | $102,976 |
| Soquel | $1.38M | +6.2% | $4,360 | — | $118,777 |
| Twin Lakes | — | +7.6%† | $4,940 | — | $90,087 |
† FHFA price index change, where Zillow has no home value for the town.
9.8 years of income
The typical Live Oak home costs about 9.8 years of the town's median household income, more than across California (7.7 years).
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $4,850
HUD's Fair Market Rent for a two-bedroom in Live Oak is $4,850 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Live Oak pay a median of $2,421, so moving in tends to cost more than staying put. A two-bedroom takes about 56% of the town's median household income, above the 30% guideline for affordable housing.
Studio $3,660 · 4 bedrooms $6,520
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (95062, 95065, 95073; Santa Cruz-Watsonville, CA MSA), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.