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City · 82,617 residents · Pinellas County, Florida

Largo , Florida

In Largo, a typical home is worth $229,100 and typical rent is $1,618 a month. Compared with all of Pinellas County, the typical home value is 35% lower, typical household income is 15% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $229,100

    35% below the county

    36% below Florida

    • Largo
    • Pinellas
    • Florida

  • Typical rent

    $1,618a month

    About the same as the county

    3% below Florida

    • Largo
    • Pinellas
    • Florida

  • Typical household income

    $62,096a year

    15% below the county

    17% below Florida

    • Largo
    • Pinellas
    • Florida

  • Households that own their home

    62%

    8 points below the county

    6 points below Florida

    • Largo
    • Pinellas
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$335,649
1.3% more than 12 months ago
Typical rent
$1,754 a month
1.6% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Largo is in Pinellas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pinellas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Largo apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Largo is worth $229,100, 35% less than in Pinellas County as a whole ($355,100).

  2. Nearby, in West Lealman, the typical home value is $169,100: 26% less than in Largo ($229,100).

  3. Nearby, in West Lealman, the typical rent is $1,302: 20% less than in Largo ($1,618).

  4. 62% of households in Largo own their home, against 70% in Pinellas County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Largo

What homes there are in Largo, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Apartments are the most common home in Largo: 30%, near the figure in Pinellas County.

In Largo there are many mobile homes: 26% of homes; in Pinellas County, 9%.

Year built

By age, homes in Largo look like those in Pinellas County: the typical year built is 1978.

In Largo, 25% of homes have 1 bedroom or none (studios); 29% have 3 bedrooms or more, against 40% in Pinellas County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Pinellas County is $541,287, and about 91% of owner-occupied homes in Largo are worth less than that.

Monthly rent with utilities

With a mortgage

$1,655 a month

Pinellas County: $1,948 a month

Without a mortgage

$646 a month

Pinellas County: $734 a month

Owners with a mortgage

43%

Pinellas County: 51%

Owning costs less in Largo: with a mortgage, the typical cost is $1,655 a month; in Pinellas County, $1,948. Without one, $646.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Largo gained value faster than in Pinellas County: 84% against 77%.

The typical rent in Largo rose 50% since 2015–2019, about the same as in Pinellas County (48%).

Housing prices ran ahead of income in Largo: typical income rose 40%, against +84% for home values and +50% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLargoPinellas CountyFloridaUnited States
Rental vacancy 8.9%9.1%7.6%5.5%
Homeowner vacancy 2.4%1.5%1.4%0.9%
More than one person per room 3.5%2.0%3.3%3.4%
People per household 2.162.202.512.53
Drive alone 75%68%70%69%
Carpool 8%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 2%2%2%3%
Work from home 13%20%16%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Largo look like those in Pinellas County: the rental vacancy rate is 8.9%.

More than one person per room: that is how 3.5% of households in Largo live, more than in Pinellas County (2.0%).

Much as in Pinellas County, a household in Largo has 2.16 people on average.

The car rules in Largo: 75% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Largo?

A typical home is tight for the typical income

We start with a typical home in Largo, worth $229,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Largo, which is $62,096 a year. For that payment to be 28% of income, a household would need to earn about $79,798 a year.

The calculator's FHA and conventional loan limits are those of all of Pinellas County.

Your numbers

Local data
$

Starts at the typical home value in Largo. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,019 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,862

at 7.18% · 30 years

Loan amount
$224,950
Total interest
$323,650
Paid off in
November 2056

Includes $3,869 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,449 a month

  • Tight

    $1,449 to $1,863 a month

    Your payment · 36%

  • Hard

    more than $1,863 a month

Compared with the typical household income in Largo ($62,096 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,862
Principal & interest$1,524
Property tax$141
Home insurance$96
FHA mortgage insurance (MIP)$101

You need at least $8,019 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Largo and Pinellas County

Largo is in Pinellas County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Largo's own numbers

Typical home value
$229,100
Typical monthly rent
$1,618
Typical yearly household income
$62,096
Households that own their home
62%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Pinellas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinellas County.

Everything about Pinellas County

Buying

Buying a home in Largo

A typical home in Largo is worth $229,100: 35% below the county and 36% below Florida. With the typical household income in Largo ($62,096 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Largo 3.7 years
  • Pinellas 4.9 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pinellas County

According to FHFA’s house price index, home prices in Pinellas County rose 145% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Pinellas County.

Period County Florida U.S.
Last year (2025) −2.0% −0.5% +2.9%
5 years (2020–2025) +62% +60% +47%
10 years (2015–2025) +145% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Largo next to Pinellas County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Largo $229,100
  • Pinellas $355,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Largo $1,618
  • Pinellas $1,642
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Largo $62,096
  • Pinellas $72,646
  • Florida $74,568
  • United States $80,734
See the full table
Largo next to Pinellas County and Florida
Measure Largo Pinellas County Florida U.S.
Typical home value $229,100 $355,100 $359,000 $332,700
Typical monthly rent $1,618 $1,642 $1,669 $1,413
Typical yearly household income $62,096 $72,646 $74,568 $80,734
Households that own their home 62% 70% 68% 65%
Typical yearly property tax $1,704 $2,474 $2,730 $3,119
Effective property tax rate 0.74% 0.7% 0.76% 0.94%
Renters with high rent for their income 61% 60% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinellas County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Largo

For a typical $229,100 home in Largo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Largo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,862a month

    Least cash to close
    Down payment
    $8,019
    Cash to close
    $14,892
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,820a month

    Down payment
    $11,455
    Cash to close
    $18,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $109

  • Conventional, 20% down, no PMI $1,478a month

    Down payment
    $45,820
    Cash to close
    $52,693
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,690a month

    Down payment
    $34,365
    Cash to close
    $41,238
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Largo and for Pinellas County.

Property tax

Effective rate in Largo

0.74%of the home’s value each year

$1,704 a year for the typical owner in Largo.

  • Largo 0.74%
  • Pinellas 0.7%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pinellas County

FEMA does not publish these numbers by city: they are for all of Pinellas County.

Homes in the high-risk zone
1.2%
4,807
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 1.2% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Largo

Typical rent in Largo is $1,618 a month: about the same as the county. In Largo, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pinellas County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.

HUD fair market rent for all of Pinellas County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,597 $30.71 $63,880
1 bedroom $1,648 $31.69 $65,920
2 bedrooms $1,917 $36.87 $76,680
3 bedrooms $2,448 $47.08 $97,920
4 bedrooms $2,977 $57.25 $119,080

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Largo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Largo has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,730 in 33771 to $1,810 in 33770.

None is above the fair market rent for Pinellas County ($1,917).

  • 33770 $1,810$2,310
  • 33771 $1,730$2,210

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Largo when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Largo

HUD lists 5 buildings with rents for lower incomes in Largo. These are the largest.

  • Pinellas Heights 11411 Ulmerton Rd, Largo 33778 153 low-income homes · In service since 2014 · For older adults, families · Run by Pinellas County Housing Authority · Average payment: $472 a month · Average wait: 42 months (727) 443-7684
  • Rainbow Village 13300 Washington Dr, Largo 33774 125 homes, 117 low-income · Run by Pinellas County Housing Authority · Average payment: $451 a month · Average wait: 31 months (727) 443-7684
  • Heritage Presbyterian 10200 122nd Ave, Largo 33773 400 homes, 99 low-income · For older adults
  • Whispering Palms 601 16th Ave SE, Largo 33771 63 low-income homes · 2 bd: 40 · 3 bd: 23 · In service since 2015 · For families
  • Dryer Group Home 2606 Dryer Ave, Largo 33770 5 low-income homes · For people with disabilities (727) 799-3330

See all 103 buildings in Pinellas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Largo

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Pinellas County; 1 says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Largo

No down payment, repair or rent-help program on our list is for Largo or Pinellas County. The ones below are statewide in Florida: they work in Largo the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Largo

The HUD-approved agencies closest to the center of Largo, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    13921 Icot Blvd, Clearwater · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (866) 395-5769

  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

    2139 NE Coachman Rd, Clearwater · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (727) 442-7075

  • Clearwater Neighborhood Housing Services, Inc.

    608 N Garden Ave, Clearwater · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (727) 442-4155

Every agency in Pinellas County All counseling agencies in Florida

Help in Spanish near Largo

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Largo

HUD’s record names them for Largo or Pinellas County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pinellas County Housing Authority Public housing and Section 8 vouchers (727) 443-7684

5 other authorities have an office in Pinellas County: see the list Source: HUD

Cities

Other cities in Pinellas County

These cities are also in Pinellas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinellas County Housing in Florida
See 6 more cities in Pinellas County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Largo, with the typical home value.

Neighboring counties

If Pinellas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Largo.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Largo

Short answers with the numbers for Largo and all of Pinellas County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Largo?

The typical home value in Largo is $229,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinellas County it is $355,100.

How much does it cost to rent in Largo?

Typical rent in Largo is $1,618 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinellas County is $1,917.

What is the FHA loan limit in Largo?

Largo uses the FHA limit for all of Pinellas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Largo?

The typical homeowner in Largo pays $1,704 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Pinellas County, the rate is 0.7%.

Where can I find free help to buy or rent in Largo?

There are 4 HUD-approved counseling agencies with an office in Pinellas County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).