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Area data

Live Oak, CA — ZIP 95953

Population: 11,028 (Census ACS)

The typical home value in ZIP 95953 (Live Oak, CA) is $391,149 — up 0.9% over the past year. Homes sell for a median $423,500 after a median 26 days on market. 8 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with drought, earthquake, heat wave the top-rated hazards. Cost of living is 10.7% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$391,149

Typical home value

+0.9%

1-year change

26

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value
$391,149
1-year appreciation
+0.9%
3-year appreciation
+2.3%
5-year appreciation
+9.5%
10-year appreciation
+91.0%
Peak value since 2000 (Jul 2022)
$408,705
House Price Index (state)
423.4 (-0.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$423,500
Median list price
$402,450
Median price per sqft
$256
1-year sale-price change
+6.5%
Median days on market
26 days
Homes sold (recent period)
22
For-sale inventory
27
Sale-to-list ratio
98.8%
Active listings
23
1-year forecast
+0.2%
New listings (monthly)
8

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,159/mo
1BR fair-market rent
$1,367/mo
2BR fair-market rent
$1,600/mo
3BR fair-market rent
$2,216/mo
4BR fair-market rent
$2,674/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (High)
110.7 (100 = US avg)
Electricity rate (state-level)
32.5¢/kWh
Natural gas rate (state-level)
$22.00/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
8
Elementary schools
3
Middle schools
1
High schools
2
Charter schools
1
Avg student-teacher ratio
21.1 : 1
School districts serving the area
Sutter Peak Charter Academy District, Live Oak Unified, Nuestro Elementary
Schools include
Sutter Peak Charter Academy, Encinal Elementary, Live Oak Middle, Live Oak High, Luther Elementary

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
drought, earthquake, heat wave
Notable hazard ratings (county)
drought: Very High · heat wave: Relatively Moderate · earthquake: Relatively Moderate · wildfire: Relatively Low · lightning: Relatively Low · inland flooding: Relatively Low
Most common flood zone among NFIP claims
Zone A
NFIP flood claims on record
18
Wildfire risk to homes (county)
Higher than 79% of US counties
Buildings in wildfire direct-exposure zone
25.6%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Koppers Co., Inc. (Oroville Plant) (18.5 mi)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
63.0°F
Average high
76.5°F
Average low
50.5°F
Annual precipitation
20.1 in
USDA plant hardiness zone
9b (extreme annual low 25 to 30°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
47
Days with Good air quality
230
Days with Moderate air quality
134
Highest AQI recorded (year)
100

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index
4.0 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
3,765
Jobs reachable by transit (45 min)
5,726

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
41
Nearest airport
Bowles Airport (5 mi)
Nearest major airport
Yuba County Airport (MYV) (16 mi)
Hospitals in or near this ZIP
13
Hospitals include
OROVILLE HOSPITAL, ENLOE HEALTH, WOODLAND MEMORIAL HOSPITAL
Avg hospital rating (CMS)
3.3 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Good (5.0 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
-407 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1991
Housing built before 1970
22.1%
Housing built 2000 or later
37.3%
Median annual property tax
$2,363
Mean commute to work
26 min
Households with broadband internet
62.3%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
28,018
Average weekly wage
$1,046
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
360

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 95953State medianUS median
Typical home value$391,149$695,380$288,527
Median sale price$423,500$696,000$325,000
Median days on market26 days39 days51 days
Median annual property tax$2,363$4,533$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 95953?
$391,149.
What is the median sale price in ZIP 95953?
$423,500.
How long do homes take to sell in ZIP 95953?
Median days on market: 26 days.
What is typical rent in ZIP 95953?
2-bedroom fair-market rent: $1,600/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 95953?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: drought, earthquake, heat wave.
Is ZIP 95953 in a flood zone?
Flood zones vary by property within ZIP 95953. 18 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 95953?
Risk to homes is higher than 79% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 95953?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 95953?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 95953?
8 schools (3 elementary, 1 middle, 2 high) (NCES, 2024-25).
Is ZIP 95953 walkable?
Walkability index: 4.0/20 (EPA Smart Location Database).
What is the air quality in ZIP 95953?
Good. Median AQI: 47. (EPA AQI).
What is the cost of living in ZIP 95953?
Regional Price Parity: 110.7 (100 = US average) (High) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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