Population & age
- Total population
- 7,641
- Median age
- 40.2
Suwannee County · Population 7,641
Live Oak, FL (ZIP 32064) sits in Suwannee County. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 42.5%. NCES lists 14 schools serving the area, 14 non-charter. 7 colleges and universities serve the area, with median in-state tuition of $14,946. 30% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $47,639 per worker, roughly 27% below the US average. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Annual precipitation averages 51.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,924 years of potential life lost per 100,000 (2025) — well above the national county median. Florida has no state income tax, saving the local median household (AGI $51,195) approximately $2,355/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 889 residents (355 households) — the ZIP's primary county is growing. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $39,931, fair market rent of $1,160 for a two-bedroom, and a typical home value of $181,743, up 2.7% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,010
/month
1 Bed
$1,060
/month
2 Bed
$1,160
/month
3 Bed
$1,550
/month
4 Bed
$1,640
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$181,743
Zillow Home Value Index (ZHVI) · as of March 2026
+2.7%
vs. March 2025
+51.6%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
136
Across 133 permitted buildings. Total construction value: $29.4M.
Single-family
130
96% of total units
Multifamily (2+ unit)
6
4% of total units
Single-family value
$29.1M
construction value
Multifamily value
$240,000
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
3,070
Average AGI
$51,195
Avg property tax
$104
EITC participation
30.0%
Income distribution
Avg mortgage interest
$66
Avg charitable contribution
$609
Avg capital gains
$2,068
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $157.2M across all reported brackets.
Business establishments
269
Total employment
2,416
Annual payroll
$88.6M
Average annual pay
$36,668
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$47,639
Average weekly wage
$916
Total employment
12,030
Total establishments
934
That is roughly 27% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
3.9%
That tracks the US national unemployment rate of about 4.0%.
Labor force
17,610
Employed
16,923
Unemployed
687
Based on Suwannee County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
5
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$732.2M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federally funded health-center sites
2
Multiple health-center sites
A handful of federally funded community health centers serve residents — typical of mid-density suburban and small-urban areas.
FQHC sites
2
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
32
across sites in this ZIP
Sites in this ZIP
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Public-library outlets
2
Multiple library outlets
Several public-library outlets within the ZIP, giving residents real choice in branch hours, programming, and walk-in distance.
Buildings
2
1 central · 1 branch
Avg hours / week
51.8
across outlets in this ZIP
Avg square feet
15,093
per outlet
Outlets in this ZIP
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federally Declared Disasters
39
Date Range
1973–2024
Most Recent Declaration
HURRICANE MILTON
Hurricane — declared October 11, 2024 (DR-4834)
Incident period: October 5, 2024 – November 2, 2024
Top Incident Types
Individual Assistance
8
Direct help to disaster survivors
Households Program
9
Housing & temporary lodging support
Public Assistance
38
Repair of public facilities & roads
Hazard Mitigation
17
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
71.2°F
60° – 82.5°
Annual precipitation
51.9"
Diurnal range
22.6°F
Day-night swing
Heating · cooling days
957.1 · 3,253.9
Annual base 65°F
Nearest station: LIVE OAK, FL US, 1.6 miles from the centroid of Live Oak, FL (ZIP 32064)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Years of potential life lost (per 100K)
11,924
That is roughly 3,724 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
21%
of adults self-report
Poor physical health days
4.9
avg per adult per month
Poor mental health days
6.0
avg per adult per month
Uninsured
15.7%
of residents under 65
Primary care MDs
13
per 100,000 residents
Preventable hospital stays
3,062
per 100K Medicare enrollees
Food environment (0-10)
7.7
10 = best access & security
Exercise access
50%
residents near a facility
Flu vaccinated
32%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.1% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Suwannee data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Moderate food access challenges
12.0% of Suwannee County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.16
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.25
accepting food benefits
Fast-food restaurants
0.51
per 1,000 residents
Among low-income residents, 5.4% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Suwannee County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Net migration (2022-2023)
▲+889 people
+355 households • +$36.8M net AGI flow
Moved in
1,918households
3,723 people • $101.1M AGI
Moved out
1,563households
2,834 people • $64.3M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $52,689 versus departing households' $41,123.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 32064. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
For ZIP 32064: A household at this ZIP's median AGI of $51,195 keeps approximately $2,355 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $181,743, that works out to roughly $917/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs in Live Oak
Nearby ZIPs by distance
32060 (Live Oak, 3 mi) · 32062 (10.8 mi) · 32094 (12.5 mi) · 32052 (Jasper, 13.9 mi) · 32071 (16.4 mi) · 32059 (Lee, 17 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
37.5%
4.5pp above the 33.0% national rate.
42.5%
10.5pp above the 32.0% national rate.
17.4%
4.6pp below the 22.0% national rate.
79.7%
3.7pp above the 76.0% national rate.
16.2%
3.2pp above the 13.0% national rate.
15.8%
4.8pp above the 11.0% national rate.
14 schools serve this ZIP, including 14 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| SUWANNEE HIGH SCHOOL | Public | 9–12 | 1,122 |
| SUWANNEE MIDDLE SCHOOL | Public | 6–8 | 959 |
| SUWANNEE RIVERSIDE ELEMENTARY | Public | -1–5 | 869 |
| SUWANNEE PINEVIEW ELEMENTARY | Public | -1–5 | 652 |
| SUWANNEE SPRINGCREST ELEMENTARY | Public | -1–5 | 525 |
Showing top 5 by enrollment. 9 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges in this area
7
Median in-state tuition
$14,946
Median earnings (10 yr)
$31,778
Live Oak, FL · 32064
Saint Augustine, FL · 32084
Lake City, FL · 32025
Saint Augustine, FL · 32084
Orange Park, FL · 32065
Orange Park, FL · 32065
Starke, FL · 32091
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Live Oak, FL (ZIP 32064) sits in Suwannee County. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 42.5%. NCES lists 14 schools serving the area, 14 non-charter. 7 colleges and universities serve the area, with median in-state tuition of $14,946. 30% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $47,639 per worker, roughly 27% below the US average. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Annual precipitation averages 51.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,924 years of potential life lost per 100,000 (2025) — well above the national county median. Florida has no state income tax, saving the local median household (AGI $51,195) approximately $2,355/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 889 residents (355 households) — the ZIP's primary county is growing. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $39,931, fair market rent of $1,160 for a two-bedroom, and a typical home value of $181,743, up 2.7% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 17.4%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
37.5%, which is 4.5 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
17.4%, which is 4.6 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
42.5%, which is 10.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
14 schools serve this ZIP, including 14 public schools (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 32064 by NCES CCD (retrieved Apr 26, 2026).
Yes, 10 high schools serve this ZIP: Suwannee High School, Suwannee Virtual School, Suwannee Opportunity School, and 7 more. (NCES CCD, retrieved Apr 26, 2026).
7,641 people live in ZIP 32064, with a median age of 40.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$39,931 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32064, 48.7% of occupied housing units are owner-occupied and 51.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 32064, 6.6% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
19.6% of the population in ZIP 32064 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
72.7% of households in ZIP 32064 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 32064 is $181,743, up 2.7% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are up 2.7% over the past year and up 51.6% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 32064 (Live Oak, FL) is $51,195 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 32064 report an average of $104 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
2.3% of tax returns from ZIP 32064 (Live Oak, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 269 business establishments operated in ZIP 32064 employing 2,416 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 32064 is $36,668, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 32064 ranks in the 68th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 32064, ranking in the 68th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 39 federal disaster declarations affecting ZIP 32064 between 1973–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Hurricane is the most common federally declared disaster type affecting ZIP 32064, accounting for 19 of 39 declarations (49%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 32064 was "HURRICANE MILTON" — a hurricane declared in 2024 (DR-4834) (FEMA OpenFEMA, retrieved May 3, 2026).
7 colleges and universities are listed near ZIP 32064 by the U.S. Department of Education College Scorecard, including Riveroak Technical College, Flagler College, and Florida Gateway College (retrieved May 2, 2026).
Median in-state tuition across 7 nearby institutions is $14,946 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $31,778 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 32064 has an average annual temperature of 71.2°F and 51.9" of annual precipitation based on the LIVE OAK, FL US weather station 1.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Florida has no state income tax. For a household earning the local median AGI of $51,195, this saves approximately $2,355 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (14 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (7 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (39 on record), climate normals from NOAA NCEI (1991-2020), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 26, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (39 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs in Live Oak
Nearby ZIPs by distance
32060 (Live Oak, 3 mi) · 32062 (10.8 mi) · 32094 (12.5 mi) · 32052 (Jasper, 13.9 mi) · 32071 (16.4 mi) · 32059 (Lee, 17 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 32064?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
68th percentile
High Vulnerability
Based on 5 census tracts, population 1,095
Vulnerability Themes
Households Without Vehicle
28
Limited English Speakers
10
Persons with Disability
194
Without HS Diploma
101
Without Health Insurance
103
Adults Age 65+
222
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.