At $1,350/mo, rent takes about 20% of the local median household income, comfortably within the 30% benchmark.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,350 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in Live Oak is 4.7% below its high of $1,417 in July 2024, at $1,350 as of September 2026.
Rent in Live Oak changed -2.1% over the year to September 2026. Across the 224 Texas cities Zillow tracks, the typical change was +1.0%.
Rent has risen 2 months in a row, and rose in 4 of the last 12 months.
30% of the median household income ($79,696) is $1,992 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,976).
From Zillow's monthly rent index (ZORI) for Live Oak. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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Who lives here
Live Oak, TX is majority owner-occupied, 32.1% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Live Oak, TX has changed in 5 years
The median rent in Live Oak, TX stood at $1,406 in 2023 and currently runs about $1,350, reflecting a 4.0% decrease over the period. Local incomes tracked alongside that move, going from a median of $69,374 in 2021 to $79,696 more recently. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 2.8% since 2021, moving from about 15,554 residents to roughly 15,984. College-educated residents now make up 32.1% of adults here, versus 28.3% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the Live Oak, TX market of 2023.
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Can you afford rent in Live Oak on your salary?
At $1,350/mo, how Live Oak rent compares to typical pay (30% rule).
Live Oak rent by bedroom count
Median rent for each apartment size in Live Oak. Click any size for full breakdown.
Tips for renters in Live Oak
Last updated: October 17, 2026
The median rent in Live Oak is $1,350/mo as of October 2026. A studio apartment averages $1,155/mo while a 2-bedroom runs $1,669/mo. One-bedroom apartments average $1,328/mo and 3-bedroom units go for $1,783/mo.
At 20% of local median household income ($79,696/yr), Live Oak ranks as affordable compared to the national benchmark of 30%. Rents have decreased 2.1% over the past year.
Frequently asked questions
How much income do you need to rent in Live Oak?
Is rent going up or down in Live Oak?
How does Live Oak rent compare to other cities in Texas?
At $1,350/mo, rent takes ~20% of Live Oak's median household income ($79,696/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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