Live Oak · Suwannee County, FL · 5,728 properties with county records
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Live Oak 32060 is in Suwannee County, FL. The typical home value in Live Oak 32060 is $301,268 (Zillow Home Value Index, August 2026), up 3.2% from a year earlier. Homes that sold went under contract in a median 92 days, and 27% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 9.1 months of supply, buyers hold the advantage. The Lotvox Turnover Index is not published for 32060 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Suwannee County's 4 ZIPs with a Zillow value, the middle one is $286,018, so 32060 sits 5% above the county middle. Lotvox holds county assessor records for 5,728 properties in 32060.
Headline value data through August 2026. Each source below carries its own date.
Is 32060 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 32060 is a buyer's market. Homes went under contract in a median 92 days with 9.1 months of supply.
What do homes in 32060 sell for?
The typical home value in 32060 is $301,268 (Zillow Home Value Index, August 2026), up 3.2% in a year. County records put the median at about $212 per square foot (computed Apr 21, 2026).
Who is likely to sell in 32060?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32060 has not passed that test yet. When it does, the score appears here.
How does 32060 compare to Suwannee County?
32060's typical value of $301,268 compares with a middle value of $286,018 across Suwannee County's 4 ZIPs. Both are Zillow Home Value Index figures for August 2026.
Where does this 32060 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Strong Buyer's Market
Needs 15% correction for affordability
Score Components
Payment Burden (25%)50
Valuation Gap (25%)100
Buy vs Rent (15%)100
Days on Market (5%)75
Strong buyer leverage in 32060. If you must buy now, offer 10-15% below list price. Payment burden: 33.1% of median income. Median days on market: 62. Renting is approximately 207% cheaper than buying (price-to-rent ratio: 36.9). Market appears 34% overpriced vs. assessed values.
What to Offer
Offer 10-15% below list price. Sellers are under pressure.
Conditions most similar to late 2007 — overvaluation without corresponding income growth. Significant correction potential.
WARMINGBUYER ADVANTAGE
Market is warming with rising prices. Buyers have strong negotiating leverage. Prices up 3.2% YoY.
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Housing pulse — Housing pulse could not be loaded (429).
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Suwannee.
Current tiers · 12 months to Aug 25floor 10 sales/tier
1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row. 4 tiers had too few sales at every level and are left blank rather than estimated.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$155k
$109
119
63.6%
ZIP
$250k–$500k
$320k
$169
61
32.6%
ZIP
$500k–$750k
$580k
$229
13
—
COUNTY · Suwannee, FL
$750k–$1M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1M–$1.5M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1.5M–$2M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$2M+
—
—
—
—
fewer than 10 sales at zip, county and metro level
All sales (the headline median)
$225k
$134
187
100%
ZIP
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32060.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 32060→Suwannee County, FL
12-Month Direction
0Stable
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
42· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
35.3%
stretched
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08
Price-to-rent
36.7x
favors renting
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation12
+63.7%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
9.1 mo
buyer's market
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31
Insurance Risk
48/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
5.6%
FL 4.5%US 4.4%
Higher than many comparable counties
Source: BLS LAUS · 2026-0845d ago
Poverty Rate
17.3%
FL 12.4%US 12.6%
Higher than many comparable counties
Median Household Income
$55,479
FL $72,373US $82,006
Near national averages
Cost of Living (RPP)
101.2
FL 101.2US 100.3
Near national averages
Home Value (ZHVI)$274,411
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
