Best PlacesOak Terrace, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Oak Terrace, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
Oak Terrace ranks 42,256th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and the cost of living against local pay is the weak spot.
The best neighborhoods in Oak Terrace
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Oak Terrace's strengths and weaknesses
Where Oak Terrace ranks high
- State infrastructureBetter than 99% of towns
- Low income/sales/gas taxBetter than 96% of towns
- Cell coverageBetter than 96% of towns
- Nice weatherabout 144 pleasant days a year, better than 91% of towns
- Local economyBetter than 87% of towns
Where Oak Terrace ranks low
- Cost of living vs incomeBetter than only 3% of towns
- Household income$34,263 median, better than only 3% of towns
- BikingBetter than only 3% of towns
- Heat safetyBetter than only 5% of towns
- Cheap car insuranceBetter than only 6% of towns
What it costs to buy a home in Oak Terrace
A household needs to earn about $46,000 a year to comfortably buy the median Oak Terrace home, at 20% down and today's 30-year rate. That runs well above the area's median income of $34,263, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Oak Terrace's effective rate of 0.67%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Oak Terrace
Oak Terrace runs younger than the country, though it still carries a larger-than-average share of residents over 65, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Oak Terrace.
Who works in Oak Terrace, and how
Work in Oak Terrace centers on transportation & warehousing and manufacturing. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 65%
- Work from home 32%
- Transit, walk, or bike 2%
Life in Oak Terrace
The map and measures below break down dining, culture, and green space by neighborhood across Oak Terrace.
What the weather is like in Oak Terrace, month by month
Oak Terrace sees roughly 144 pleasant days a year. July highs average about 91 degrees. January highs sit near 71, with lows near 51. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 71° | 60° | 51° |
| April | 84° | 73° | 63° |
| July | 91° | 81° | 74° |
| October | 85° | 76° | 68° |
Flying in and out of Oak Terrace
Tampa International sits about 34 miles away. It is a large hub and boarded 12.1 million passengers in 2025, with 135 nonstop destinations.
The best schools in and around Oak Terrace
Schools across Oak Terrace average a C+, better than 44% of towns.
Top elementary schools
- James W. Sikes Elementary SchoolC+ · 38% proficient
- Purcell Elementary SchoolC+ · 37% proficient
- Pinecrest Elementary SchoolC · 34% proficient
Top middle schools
- Mulberry Middle SchoolC+ · 37% proficient
Top high schools
- Mulberry Senior High SchoolC+ · 35% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Oak Terrace school and its grade on SchoolGrade.
Oak Terrace measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Oak Terrace against the other 50,332 towns.
Common questions about living in Oak Terrace
Is Oak Terrace a good place to live?
Using BestNeighborhood's default rankings, Oak Terrace ranks 42,256th of 50,333 towns. It scores highest on state infrastructure, low taxes, and cell coverage, and lowest on the cost of living against local pay and low incomes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Oak Terrace expensive to live in?
The median home is worth $179,900. The overall cost of living runs about 11% below the national average. Set against a $34,263 median income, cost of living beats 3% of towns.
Is Oak Terrace safe?
Oak Terrace is safer than 38% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $219 per resident a year.
Compare Oak Terrace with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Oak Terrace. Scores are absolute rather than ranked, which means a 60 in Oak Terrace represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Oak Terrace detail on BestNeighborhood maps:
- Walk Grade for Oak Terrace: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Oak Terrace: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Oak Terrace: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Oak Terrace: carrier by carrier coverage behind the cell score.
Oak Terrace detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.