Live Oak County, Texas: commercial real estate data.
Live Oak County, Texas has a population of 11,620 across 1,040 square miles, up 5.6 percent since the 2020 census base. County output reached $2.82 bn in 2024, 259 establishments operate here, and the SBA record carries 2 7(a) approvals worth $200,000.
117 sourced county values · tier FULL · 11 sections
Live Oak County
How many people live in Live Oak County
- Population11,620
- Households4,358
- Average household size2.67
- Median household income$57,150
- Median age39.7
- Median gross rent$924 per month
- Median owner-occupied home value$159,200
- Home value to household income2.8 times
- Annual rent as a share of median income19.4 percent
- Adults 25 and over with a bachelor degree or higher15.9 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over8,534
- Population under 182,254
- Share under 1819.4 percent
- Population 65 and over2,376
- Share 65 and over20.4 percent
- Working age population, 18 to 646,990
- Civilian labor force4,131
- Unemployment rate5.9 percent
- Labor force participation, adults 18 and over44.1 percent
- Rank by population among Texas counties157th of 254
- Rank by population among US county-equivalents2381st
Live Oak County is the 157th largest of 254 Texas counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 20.4 percent against 19.4 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Live Oak County
Is Live Oak County growing
- Population change since the 2020 census base5.62 percent
- Census 2020 base population11,330
- Births, 202497
- Deaths, 2024142
- Natural change, 2024-45
- Net domestic migration, 202469
- Net international migration, 2024116
- Total net migration, 2024185
- Cumulative net domestic migration, 2021 to 2024516
- Rank by growth among US county-equivalents457th
The county has grown 5.62 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Live Oak County
Where people moving to Live Oak County come from
- Tax returns filed by households arriving373
- People arriving, from those returns741
- Adjusted gross income arriving$23.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$63,657
- Largest single originLive Oak County Non-migrants (3,702 households)
- Largest single destination (3,702 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Live Oak County Non-migrants | 3,702 | 7,794 | $304.4 m |
| Other flows - Same State | 145 | 279 | $7.7 m |
| Nueces County | 49 | 98 | $5.0 m |
| Other flows - Different State | 49 | 96 | $2.8 m |
| Jim Wells County | 38 | 89 | $2.7 m |
| Bexar County | 34 | 50 | $1.9 m |
| San Patricio County | 30 | 77 | $2.2 m |
| Bee County | 28 | 52 | $1.4 m |
The largest single source of arrivals is Live Oak County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Live Oak County
What the Live Oak County economy runs on
- County GDP, 2024$2.82 bn
- County GDP, 2023$2.81 bn
- GDP change, 2023 to 20240.4 percent
- GDP change over five years225.6 percent
- Rank by GDP among Texas counties82nd
- Rank by GDP among US county-equivalents1022nd
- GDP per resident$242,511
Output grew 0.4 percent in the latest year and 225.6 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Live Oak County
Who employs people in Live Oak County
- Covered employment, annual average3,717
- Establishments reporting315
- Average annual pay$67,440
- Average weekly wage$1,297
- Sector 44-45, employment563
- Sector 44-45, average annual pay$33,901
- Sector 21, employment385
- Sector 21, average annual pay$115,308
- Sector 31-33, employment355
- Sector 31-33, average annual pay$97,680
- Sector 53, employment223
- Sector 53, average annual pay$86,804
- Sector 48-49, employment197
- Sector 54, employment155
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 563 | 43 | $33,901 |
| Sector 21 | 385 | 19 | $115,308 |
| Sector 31-33 | 355 | 13 | $97,680 |
| Sector 53 | 223 | 15 | $86,804 |
| Sector 48-49 | 197 | 18 | $107,220 |
| Sector 54 | 155 | 33 | $70,149 |
| Sector 23 | 112 | 18 | $62,768 |
| Sector 11 | 88 | 25 | $65,578 |
The largest sector is the biggest private employer group at 563 jobs, 15.1 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Live Oak County
What businesses operate in Live Oak County
- Establishments, all industries259
- Employment at those establishments2,589
- Annual payroll$203.9 m
- Establishments per 1,000 residents22.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Live Oak County
What is being built in Live Oak County
- Housing units authorised by permit, 20249
- Declared construction value permitted$2.3 m
- Single family units authorised9
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$258,892
- Units authorised per 1,000 households2.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Live Oak County
How much SBA lending happens in Live Oak County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$200,000
- Average 7(a) approval$100,000
- Median 7(a) approval$150,000
- 10th percentile approval$50,000
- 90th percentile approval$150,000
- Largest single approval$150,000
- Jobs reported supported, 7(a)3
- Jobs per approval1.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSporting and Recreational Goods and Supplies Merchant Wholesalers (1)
- Most active lenderEnterprise Bank & Trust (1)
- 504 approvals recorded1
- 504 gross approval dollars$1.1 m
- Average 504 approval$1,065,000
- Median 504 approval$1,065,000
- Distinct CDCs active1
- 504 jobs per approval12.0
- 504 jobs per million dollars approved11.3
- Most active CDCLiftFund, Inc. (1)
- 7(a) share of SBA approvals66.7 percent
- Combined SBA approval dollars$1.3 m
The average approval of $100,000 sits close to the median of $150,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Live Oak County
Do SBA loans in Live Oak County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 0 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Live Oak County
How big is Live Oak County
- Land area1,040 sq mi
- Rank by land area among Texas counties65th of 254
- Width, east to west32 mi
- Height, north to south50.4 mi
- Geographies sharing a boundary7
- Residents per square mile of land11
- Establishments per square mile0.25
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Live Oak County
What hazards affect Live Oak County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Live Oak County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Live Oak County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population11,620
- Households4,358
- Average household size2.67
- Median household income$57,150
- Median age39.7
Common questions
Live Oak County questions, answered from the record.
How many people live in Live Oak County, Texas?
11,620, in 4,358 households, ranking 157th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Live Oak County growing?
The population has grown 5.62 percent since the 2020 census base. In 2024 there were 97 births against 142 deaths, with net migration of 185. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Live Oak County?
$57,150. The median owner-occupied home is valued at $159,200, which is 2.8 times income, and median gross rent is $924 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Live Oak County?
259 establishments, employing 2,589 people with an annual payroll of $203.9 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Live Oak County?
Average annual pay is $67,440, or $1,297 a week, across 3,717 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Live Oak County?
2 7(a) approvals totalling $200,000 since FY2020, across 2 lenders, with a median approval of $150,000, plus 1 504 approvals worth $1.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Live Oak County?
9 housing units were authorised by permit in 2024, with a declared construction value of $2.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Live Oak County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Live Oak County come from?
The largest single origin is Live Oak County Non-migrants, with 3,702 households. Arriving households report an average income of $63,657 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Live Oak County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Live Oak County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.