In Live Oak, a typical home is worth $246,300 and typical rent is $1,634 a month. Compared with all of Bexar County, typical rent is 21% higher and typical household income is 10% higher.
Typical home value from Zillow, September 2021 to September 2026: from $221,784 to $239,036.
Typical rent
$1,350a month
▼ 1.6% less than 12 months ago
Typical rent from Zillow, December 2022 to September 2026: from $1,344 to $1,350.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Live Oak is in Bexar County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Bexar County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Universal City, the typical rent is $1,315: 20% less than in Live Oak ($1,634).
2
The typical rent in Live Oak is $1,634 a month, 21% more than in Bexar County as a whole ($1,354).
3
Live Oak has the 32nd smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (39%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Live Oak
What homes there are in Live Oak, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Live Oak
Bexar County
Texas
United States
Kind of home: Live Oak and its comparisons
Measure
Live Oak
Bexar County
Texas
United States
Detached house
69%
64%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
25%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Live Oak: 69% of homes, more than in Bexar County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Live Oak
Bexar County
Texas
United States
Year built: Live Oak and its comparisons
Measure
Live Oak
Bexar County
Texas
United States
Before 1960
Unreliable estimate
16%
12%
26%
1960–1979
32%
21%
21%
24%
1980–1999
22%
25%
28%
25%
2000–2009
25%
17%
18%
14%
2010 or later
20%
21%
21%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K24%
$200K–$300K45%
$300K–$500K28%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Live Oak and its comparisons
Measure
Live Oak
Under $100K
Unreliable estimate
$100K–$200K
24%
$200K–$300K
45%
$300K–$500K
28%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49929%
$1,500–$1,99954%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Live Oak and its comparisons
Measure
Live Oak
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
29%
$1,500–$1,999
54%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,776 a month
Bexar County: $1,923 a month
Without a mortgage
$558 a month
Bexar County: $651 a month
Owners with a mortgage
65%
Bexar County: 60%
The typical cost for an owner with a mortgage in Live Oak is $1,776 a month, less than in Bexar County ($1,923); without one, $558.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Live Oak+63%
Bexar County+62%
Texas+65%
United States+53%
Typical rent
Live Oak+44%
Bexar County+33%
Texas+34%
United States+33%
Typical household income
Live Oak+30%
Bexar County+27%
Texas+27%
United States+29%
Change since 2015–2019: Live Oak and its comparisons
Measure
Live Oak
Bexar County
Texas
United States
Typical home value
+63%
+62%
+65%
+53%
Typical rent
+44%
+33%
+34%
+33%
Typical household income
+30%
+27%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Live Oak rose at about the same pace as in Bexar County: 63% against 62%.
Since 2015–2019, the typical rent in Live Oak rose 44%, more than in Bexar County (33%).
Here income did not keep up with housing: it rose 30%, while home values changed +63% and rent +44%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Live Oak and its comparisons
Measure
Live Oak
Bexar County
Texas
United States
Rental vacancy
Unreliable estimate
8.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.1%
0.9%
More than one person per room
Unreliable estimate
4.7%
4.8%
3.4%
People per household
2.39
2.70
2.69
2.53
Drive alone
71%
68%
71%
69%
Carpool
Unreliable estimate
12%
10%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
15%
15%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.39 on average, against 2.70 in Bexar County.
In Live Oak, 71% of workers drive alone to work; in Bexar County, 68%.
Do the math
What would you pay each month for a home in Live Oak?
A typical home is tight for the typical income
We start with a typical home in Live Oak, worth $246,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Live Oak, which is $79,696 a year. For that payment to be 28% of income, a household would need to earn about $93,970 a year.
The calculator's FHA and conventional loan limits are those of all of Bexar County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Live Oak. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,621 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,193
at 7.18% · 30 years
Loan amount
$241,838
Total interest
$347,949
Paid off in
November 2056
Includes $4,159 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,860 a month
Tight
$1,860 to $2,391 a month
Your payment · 33%
Hard
more than $2,391 a month
Compared with the typical household income in Live Oak ($79,696 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,638
Property tax
$343
Home insurance
$103
FHA mortgage insurance (MIP)
$109
You need at least $8,621 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,193; principal and interest $1,638.
The city and its county
Live Oak and Bexar County
Live Oak is in Bexar County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Live Oak
Map of Bexar County, Texas, with Live Oak marked. Around it, the neighboring counties.
Live Oak
Bexar County
Other cities with a page
Live Oak's own numbers
Typical home value
$246,300
Typical monthly rent
$1,634
Typical yearly household income
$79,696
Households that own their home
58%
Effective property tax rate
1.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bexar County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,441
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
1.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Bexar County.
A typical home in Live Oak is worth $246,300: 6% below the county and 13% below Texas. With the typical household income in Live Oak ($79,696 a year), a typical home costs 3.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Live Oak3.1 years
Bexar3.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bexar County
According to FHFA’s house price index, home prices in Bexar County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bexar County.
Yearly change in FHFA’s price index in Bexar County, 2016 to 2025
2016: +7.4% +7.4% 2016
2017: +7.1% +7.1% 2017
2018: +5.6% +5.6% 2018
2019: +5.9% +5.9% 2019
2020: +3.6% +3.6% 2020
2021: +12.3% +12.3% 2021
2022: +17.6% +17.6% 2022
2023: +2.9% +2.9% 2023
2024: +0.2% +0.2% 2024
2025: +0.5% +0.5% 2025
Change in FHFA’s price index in Bexar County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.5%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+82%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Live Oak next to Bexar County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Live Oak$246,300
Bexar$262,200
Texas$283,800
United States$332,700
Typical monthly rent
Live Oak$1,634
Bexar$1,354
Texas$1,403
United States$1,413
Typical yearly household income
Live Oak$79,696
Bexar$72,341
Texas$78,476
United States$80,734
See the full table
Live Oak next to Bexar County and Texas
Measure
Live Oak
Bexar County
Texas
U.S.
Typical home value
$246,300 ▼6% below the county
$262,200
$283,800
$332,700
Typical monthly rent
$1,634 ▲21% above the county
$1,354
$1,403
$1,413
Typical yearly household income
$79,696 ▲10% above the county
$72,341
$78,476
$80,734
Households that own their home
58% ▼1 points below the county
59%
63%
65%
Typical yearly property tax
$4,113 ▼9% below the county
$4,535
$4,232
$3,119
Effective property tax rate
1.67% ▼0.06 points below the county
1.73%
1.49%
0.94%
Renters with high rent for their income
39% ▼14 points below the county
53%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bexar County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Live Oak
For a typical $246,300 home in Live Oak, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Live Oak's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,193a month
Least cash to close
Down payment
$8,621
Cash to close
$16,010
Rate
7.18%
Mortgage insurance
FHA MIP · $109
Conventional, 5% down$2,147a month
Down payment
$12,315
Cash to close
$19,704
Rate
7.18%
Mortgage insurance
PMI · $117
Conventional, 20% down, no PMI$1,780a month
Down payment
$49,260
Cash to close
$56,649
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,008a month
Down payment
$36,945
Cash to close
$44,334
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Live Oak
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,193
$8,621
$241,839
7.18%
FHA MIP · $109
$16,010
580
Conventional, 5% down
$2,147
$12,315
$233,985
7.18%
PMI · $117
$19,704
620*
Conventional, 20% down, no PMI
$1,780
$49,260
$197,040
7.18%
None
$56,649
620*
ITIN, 15% down (example)
$2,008
$36,945
$209,355
8.18%
None
$44,334
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Live Oak is $1,634 a month: 21% above the county. In Live Oak, 39% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bexar County, by unit size. To pay the 2-bedroom one ($1,441 a month) without spending more than 30% of your income, you would need to earn $27.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Bexar County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,099
$21.13
$43,960
1 bedroom
$1,196
$23.00
$47,840
2 bedrooms
$1,441
$27.71
$57,640
3 bedrooms
$1,864
$35.85
$74,560
4 bedrooms
$2,163
$41.60
$86,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Live Oak
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Live Oak is in ZIP code 78233.
For 2 bedrooms it is $1,620: $179 more than the fair market rent for Bexar County ($1,441).
Fair market rent by ZIP code and size in Live Oak, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78233
$1,240
$1,340
$1,620
$2,100
$2,430
ZIP code2 bd3 bd
78233 $1,620$2,100
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Live Oak when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 5 HUD-approved agencies with an office in Bexar County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Live Oak or Bexar County. The ones below are statewide in Texas: they work in Live Oak the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Live Oak or Bexar County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Live Oak and all of Bexar County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Live Oak?
The typical home value in Live Oak is $246,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bexar County it is $262,200.
How much does it cost to rent in Live Oak?
Typical rent in Live Oak is $1,634 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bexar County is $1,441.
What is the FHA loan limit in Live Oak?
Live Oak uses the FHA limit for all of Bexar County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in Live Oak?
The typical homeowner in Live Oak pays $4,113 a year, according to the U.S. Census Bureau. That is 1.67% of the home’s value; in Bexar County, the rate is 1.73%.
Where can I find free help to buy or rent in Live Oak?
There are 5 HUD-approved counseling agencies with an office in Bexar County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
