Real Estate Investing in Live Oak, Florida (32064)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 32064 (Live Oak, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 19.0% of homes vacant — above national norms.
- Higher unemployment: 7.4% unemployment — tenant risk signal.
- Lower household income: $39,931 median — tenant affordability is tighter.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Live Oak, FL (32064)?
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Market Analysis: 32064 Live Oak
ZIP 32064 in Live Oak, FL carries a notable set of headwinds. Home values near $180K and rents of $1,044/mo sit inside a market where underwriting has to be tight.
Distressed markets are won on execution, not on spreadsheets. ZIP 32064 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
From a cash-flow lens, 32064 offers a low basis, the region around Live Oak has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Demographically, 32064 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
New investors are better served looking at Live Oak's stable or hybrid ZIPs before stepping into 32064. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Live Oak:
Market Trends
Home Value History (with trend line)
📊 How Does 32064 Compare?
| Metric | 32064 | Live Oak | Florida |
|---|---|---|---|
| Home Value | $180,129 | $240,854 | $374,697 |
| 5-Year CAGR | 6.4% | 6.0% | 7.4% |
| Avg Rent | $1,044 | $990 | - |
| Cap Rate | 4.5% | 3.5% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32064 (Live Oak, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $180,129 |
| Monthly Rent | $1,044 |
| Price-to-Rent | 14.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.0% |
| Cap Rate | 4.5% |
| 5-Year IRR | 10.9% |
📈 Home Appreciation
| 1-Year | +3.3% ▲ |
| 3-Year CAGR | +3.2% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +8.5% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 32064
Population: 7,661
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 32064
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Does Live Oak, FL favor landlords or tenants?
Live Oak, FL falls under FL landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
What is the typical renter like in Live Oak, FL?
Tenant demand in Live Oak, FL is solid. The local workforce $1,044/mo rents across most rental classes.
How expensive is real estate in Live Oak, FL?
Homes in Live Oak, FL typically sell near $180K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.
Should investors worry about vacancy in Live Oak, FL?
Live Oak, FL carries elevated vacancy risk. Expect stable absorption at market rents of $1,044/mo.
How do experienced investors play Live Oak, FL?
Live Oak, FL investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($180K prices, $1,044/mo rents) make it a reasonable choice.
You know 32064 now. You don’t know where it ranks.
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