How Live Oak is run

Who runs Live Oak, what it costs, and where your money goes

The city manager, council pay, the budget, your property tax bill and who provides each service, from Live Oak's own public documents. Every number links to its source and says which year it describes. Checked Oct 10, 2026.

Who runs Live Oak

A city manager appointed by the council runs the city day to day. The council, a mayor and five members all elected at large, sets policy, passes ordinances and adopts the budget. The mayor presides and votes only to break a tie.

City of Live Oak

What they are paid

City manager Anas Garfaoui: base payNot confirmedFY2026-27. The budget's pay plan sets the City Manager pay range at $192,979 to $293,640. The actual salary is not stated there. City of Live Oak
A council memberNot confirmedFY2026-27. The charter lets the council set its own pay. The budget shows a combined $10,000 council compensation line, not a per-member rate. City of Live Oak
The mayorNot confirmedFY2026-27. The budget shows one $10,000 council compensation line, not a rate for the mayor. City of Live Oak

Live Oak city staff

122 full-time-equivalent positions. FY2025-26. Full-time equivalents in the FY2025-26 adopted budget. The FY2026-27 budget adds no positions. City of Live Oak

The budget publishes pay ranges by job title, not individual pay. Texas has no statewide city pay database. We name pay only for elected officials and the city manager.

Is Live Oak in the red?

Cities must pass a balanced budget, so "profit" and "deficit" mean something different here. The useful questions: does the city's everyday money (the general fund) cover its everyday costs, how much does it keep in savings compared with its own target, and how big are its pension and debt bills.

General fund, FY2026-27$21.2MOut of $37.9M across all city funds, which includes utilities and other money that can only be spent on one thing. City of Live Oak
Savings grew, FY2025 (audited)+$57,791General fund revenue $18.4M, spending $17.8M. Took in $0.6M more than it spent before transfers. After $1.0M of transfers out, $0.3M of transfers in and $0.1M of asset sales, the general fund balance rose by $58K. City of Live Oak · Jan 19, 2026

The city's own outlook

The budget message says the city remains in a strong and stable financial position. The FY2026-27 budget uses $2.08M of general fund reserves, down from $2.54M budgeted the year before, and staff proposed using reserves for one-time spending and emergency maintenance. The city says its fund balance equaled 10 months of operating spending on Sept. 30, 2025. City of Live Oak

Savings against the city's own target

Unassigned general fund balance: $13.4M (2025-09-30). The city's own target: A city fiscal policy recommends keeping at least six months of general fund operating spending in reserves. The FY2025 audit says the unassigned fund balance equaled about 10 months of operating spending. City of Live Oak · Jan 19, 2026

Pension promises not yet funded$6.6MThe city's Texas Municipal Retirement System plan was $6.55M short of its pension liability, measured Dec. 31, 2024. Plan assets covered 89.73% of the liability. The FY2026-27 budget sets aside no extra payment toward the shortfall. (2024-12-31). City of Live Oak · Jan 19, 2026
Debt owed$20.4M2022 general obligation bonds $14.9M (street bonds approved by voters in 2022) and 2014 general obligation and refunding bonds $5.5M. No new debt was issued in FY2025. 2025-09-30. City of Live Oak · Jan 19, 2026
Credit ratingAa3 (Moody's)2022. Rating kept at the Series 2022 bond issue, as stated in the FY2025 audit. City of Live Oak · Jan 19, 2026

Why we skip the "budgeted deficit": many cities plan to dip into savings, then spend less than planned. The audited result tells you what really happened.

Where the money comes from and goes

The general fund only: the city's everyday money for FY2026-27.

Comes from

  • Sales and mixed beverage taxes$8.9M · 42%
  • Property tax$6.4M · 30%
  • Use of reserves (fund balance)$2.1M · 10%
  • Franchise fees$1.5M · 7%
  • Interest and miscellaneous$633,500 · 3%
  • Fines and forfeitures$546,000 · 3%
  • Transfers in from other funds$454,000 · 2%
  • Other (permits, dispatch fees from other agencies, service fees)$620,000 · 3%

City of Live Oak

Goes to (FY2026-27)

  • Police$6.1M · 29%
  • Fire and EMS$4M · 19%
  • Public works$1.7M · 8%
  • Emergency dispatch (communication services)$1.2M · 5%
  • Transfers to other funds$1.1M · 5%
  • Street maintenance$1.1M · 5%
  • Parks maintenance$1M · 5%
  • Other (finance, IT, city secretary, administration, court, community development, animal control, recreation, council)$5.1M · 24%

City of Live Oak

Your property tax bill: who gets it

Of the city, county and school tax rate a Live Oak homeowner in Judson ISD pays, about 24 cents per dollar goes to the city. Part of the city is in North East ISD, and other districts not in these files also tax property. For FY2026-27 the city adopted a rate of 39.88 cents, up from 38.67 cents.

24¢

of each property-tax dollar goes to the city of Live Oak

  • Judson ISD (schools)Operations 0.6669 plus debt 0.3127.0.9796 · 60%
  • City of Live Oak (operations)0.31227 · 19%
  • Bexar County0.276331 · 17%
  • City of Live Oak (debt)0.074464 · 5%
  • Total ($ per $100 of taxable value)1.642665

2025 tax year (FY2025-26) rates for a home in the city of Live Oak (Bexar County, Judson ISD): city, county and school district. Texas Comptroller · Jan 28, 2026

Who provides your services

Not everything in Live Oak is run by the city. Who provides a service decides whose budget pays for it and whose election decides it.

Compared with similar cities

The cities in this state closest in population that we cover. Read it for scale, not as a ranking: cities provide different services.

RobinsonTXBudaTXGatesvilleTXLive OakTX
Residents13,02816,16616,42216,426
Top administrator's base payNot confirmedNot confirmed$137,000Not confirmed
Council member payNot confirmedNot confirmedNot confirmedNot confirmed
General fund per resident$883$1,398$592$1,288
Debt per resident$5,889$13,626$1,201$1,241
Unfunded pension per resident$216$160$119$399
City staff per 1,000 residents5.99.45.87.4

Figures as shown in each city's section, divided by its population. Years differ by state, and pension figures are measured differently in each state (each city page says how). Robinson and Buda pays another agency for police or fire, so its own staff count is lower.

What Live Oak publishes

What a resident can find online today. A "no" is something you can ask the council to publish.

  • Yes: Audited financial report filed on timeThe FY2025 audited report, dated Jan. 19, 2026, is posted on the city's budget and financial report page. City of Live Oak · Jan 19, 2026
  • Yes: Adopted budget posted onlineThe FY2026-27 adopted budget, budget ordinance and tax rate ordinance are posted on the finance page. City of Live Oak
  • No: City manager's contract findable onlineCouncil minutes refer to an employment agreement, but we found no posted contract. The budget shows only the job's pay range. City of Live Oak
  • Yes: Council votes recorded member by member onlineCouncil minutes in posted agenda packets list each member's vote. The budget cover page records the budget vote by name. City of Live Oak
  • Partly: Council pay stated in a public documentThe charter lets council set its pay. The budget shows a combined $10,000 council compensation line, not a per-member rate. City of Live Oak
  • Partly: Employee pay published City of Live Oak

Questions to ask your council

  1. Unassigned general fund reserves were $13.4 million on September 30, 2025, about 10 months of spending, against a policy minimum of six months. The FY2026-27 budget uses $2.08 million of reserves. What reserve level is the council aiming for over the next few years?
  2. Sales and mixed beverage taxes bring in $8.9 million in FY2026-27, more than property tax. How would the budget adjust if sales tax keeps slowing?
  3. Police ($6.07 million) and fire and EMS ($4.04 million) are the two largest general fund departments in FY2026-27. How are staffing needs for each projected?
  4. The city's pension plan was $6.55 million short of its liability on December 31, 2024, and 89.73% funded. Will the city resume extra payments toward the shortfall?

The fiscal year starts Oct. 1. Departments submit requests in May and June, and the council holds budget workshops in July and August. The charter has the council adopt the budget by Sept. 20. For FY2026-27, the proposed budget was posted Aug. 7, the public hearing was Sept. 8 and adoption was set for Sept. 15, 2026. See who is running for council

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