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View PropertiesAs of Apr, 27 2026
Rabbu ROI Score
Live Oak presents a competitive opportunity: investor interest and demand are strong, but higher prices or tighter competition may require more selective deal sourcing.
Live Oak, FL is a small, emerging short-term rental market with just 29 active Airbnb listings and an average annual revenue of $18,908 per property. While the market's 338% year-over-year listing growth signals rising investor interest, occupancy sits at 23% — well below Florida's 54% state average — suggesting demand hasn't yet caught up with new supply. With an average daily rate of $138 and home values around $402,896, this is a market that rewards selective deal sourcing rather than broad-based buying.
According to Rabbu market data, the Live Oak short-term rental market shows:
| Metric | Context | Value |
|---|---|---|
| Active Airbnb Listings | As of Apr, 27 2026 | 29 |
| Average Daily Rate (ADR) | vs. $498 state avg. | $138 |
| Average Occupancy Rate | vs. 54% state avg. | 23% |
| RevPAN | ADR * Occupancy Rate | $31 |
| Average Monthly Revenue | Historical 12-month average | $1,575 |
| Average Annual Revenue | Historical 12-month average | $18,908 |
Data sources: Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Apr, 27 2026.
Investors are drawn to Live Oak for its low entry cost relative to coastal Florida markets and the early-mover potential signaled by rapid listing growth.
Key investment factors
"Live Oak earns a "Competitive Opportunity" designation with an ROI score of 54 out of 100 — a market where returns are achievable but require careful property selection. Seasonality is moderate: July leads with $2,042 in average monthly revenue while February dips to $1,167, creating a roughly 75% spread between peak and trough. The below-average revenue-to-price ratio and occupancy stability mean that investors need to target higher-performing property configurations — particularly 3-bedroom homes — and optimize pricing and guest experience to outperform the market average."
— Rabbu Market Analysis Team
Revenue in Live Oak peaks in July at $2,042 and bottoms out in February at $1,167, a spread of about 75% that reflects moderate but meaningful seasonality. Summer months and October perform strongest, while late winter represents the clearest soft period for investors to plan around.
| Month | Trend | Revenue |
|---|---|---|
| January |
|
$1,324 |
| February |
|
$1,167 |
| March |
|
$1,716 |
| April |
|
$1,293 |
| May |
|
$1,550 |
| June |
|
$1,573 |
| July |
|
$2,042 |
| August |
|
$1,855 |
| September |
|
$1,486 |
| October |
|
$1,806 |
| November |
|
$1,497 |
| December |
|
$1,594 |
One-bedroom units make up the largest share of supply at 11 listings, followed by 3-bedrooms with 9 and 2-bedrooms with just 5. The relative scarcity of 2-bedroom properties could represent a niche opportunity, though their lower occupancy and RevPAN suggest demand may be limited for that configuration.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
11 |
| 2 bedrooms |
|
5 |
| 3 bedrooms |
|
9 |
ADR scales predictably with size, from $107 for 1-bedroom units to $121 for 2-bedrooms and $177 for 3-bedroom properties. The 3-bedroom tier commands a 65% premium over 1-bedrooms, making larger properties the clear choice for maximizing nightly revenue.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$107 |
| 2 bedrooms |
|
$121 |
| 3 bedrooms |
|
$177 |
Three-bedroom properties deliver the strongest RevPAN at $43 per available night, well ahead of 1-bedrooms at $30 and 2-bedrooms at just $20. This gap highlights how the combination of higher ADR and solid occupancy makes 3-bedroom units the most efficient earners on a per-night basis.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$30 |
| 2 bedrooms |
|
$20 |
| 3 bedrooms |
|
$43 |
One-bedroom listings lead occupancy at 28%, with 3-bedrooms close behind at 25%, while 2-bedroom units lag noticeably at 17%. For cash-flow stability, 1-bedroom and 3-bedroom configurations offer more consistent booking activity in this market.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
28% |
| 2 bedrooms |
|
17% |
| 3 bedrooms |
|
25% |
Three-bedroom properties generate the highest average monthly revenue at $2,378, more than 2.5 times what 1-bedroom units earn ($917). Two-bedroom listings fall in between at $1,398, making 3-bedrooms the clear revenue leaders despite not holding the highest occupancy rate.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$917 |
| 2 bedrooms |
|
$1,398 |
| 3 bedrooms |
|
$2,378 |
Annual revenue climbs sharply with property size: 1-bedrooms average $11,013, 2-bedrooms $16,777, and 3-bedrooms $28,543. For investors evaluating return potential against acquisition and operating costs, the 3-bedroom tier offers the strongest top-line revenue and the best case for covering expenses.
| Size | Trend | Value |
|---|---|---|
| 1 bedroom |
|
$11,013 |
| 2 bedrooms |
|
$16,777 |
| 3 bedrooms |
|
$28,543 |
Parking appears in 100% of listings and kitchens in 93%, establishing these as baseline expectations for guests in Live Oak. Outdoor-oriented amenities dominate — backyards (90%), outdoor furniture (79%), and BBQ grills (76%) — signaling that guests are drawn to rural, nature-focused stays rather than urban convenience.
| Amenity | Trend | Value |
|---|---|---|
| Parking |
|
100% |
| Kitchen |
|
93% |
| Backyard |
|
90% |
| Outdoor Furniture |
|
79% |
| BBQ Grill |
|
76% |
| Self Check-in |
|
66% |
| Workspace |
|
66% |
| Patio or Balcony |
|
62% |
| Washer |
|
45% |
| Dryer |
|
41% |
| Pets |
|
31% |
| Hot Tub |
|
21% |
| Waterfront |
|
17% |
| Lake Access |
|
10% |
Rabbu's ROI Score is a proprietary metric that evaluates short-term rental investment potential based on multiple factors.
| Factor | Live Oak Performance | Weight |
|---|---|---|
| Revenue-to-Price Ratio | Below average | 40% |
| Occupancy Stability | Below average | 30% |
| Market Growth Trend | Above average | 15% |
| Supply/Demand Balance | Average | 15% |
Live Oak's ROI score of 54 out of 100 places it in the "Competitive Opportunity" band, meaning deals exist but require sharper analysis. The below-average revenue-to-price ratio and occupancy stability weigh on the score, while an above-average market growth trend and balanced supply/demand dynamics provide upside. Investors should pair this data with thorough local regulatory research and target high-performing property types — particularly 3-bedroom homes — to position for the best returns.
Understanding local STR regulations is essential before investing in Live Oak. Here's the current regulatory landscape:
Short-term rental operators in Live Oak, FL should verify whether a local business tax receipt or STR registration is required through the City of Live Oak and Suwannee County. Florida also requires STR operators to register with the state's Department of Business and Professional Regulation (DBPR), so investors should confirm compliance at both levels before listing.
Common restrictions that may apply include occupancy limits tied to property size, noise and nuisance ordinances, parking requirements for guests, and potential HOA covenants that restrict or prohibit short-term rentals. Investors should review any applicable county or municipal zoning regulations and neighborhood-level deed restrictions before purchasing.
Florida imposes a state sales tax and a county-level tourist development tax on short-term rental income, and platforms like Airbnb typically collect and remit a portion of these obligations on behalf of hosts. Operators in Suwannee County should verify the current local tax rate and confirm what their booking platform handles versus what must be filed independently.
Regulations subject to change. Always verify with local authorities before purchasing. A Rabbu partner agent specializing in Live Oak can provide current regulatory guidance.
Financing an Airbnb investment in Live Oak requires lenders who understand STR income. Rabbu partner lenders offer:
"The rapid growth in active listings indicates that operators are betting on Live Oak's trajectory, and the above-average market growth trend in Rabbu's ROI model supports that thesis. Over the next 12–18 months, occupancy could stabilize in the 25–30% range as newer listings mature and build review histories, though investors should plan conservatively given current rates. ADR may see modest increases of 2–5% if operators improve amenity packages and target higher-value guest segments, but meaningful revenue gains will likely hinge on demand-side drivers catching up to the expanding supply."
— Rabbu Market Analysis Team
Rabbu provides Airbnb and short-term rental market data and statistics across the United States. Our mission is to empower investors with accurate insights and easy-to-use tools, so they can confidently identify and act on the best opportunities in the Airbnb market.
Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Apr, 27 2026. Revenue projections are estimates based on comparable properties and do not guarantee future performance. Data reflects trailing 12-month averages and may not capture very recent market shifts. Local regulations, HOA rules, and tax obligations vary and should be independently verified before investing.
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