Largo today
What this means
Largo gained 1.5% in value over 12 months, ahead of most of Florida.
Builders are busier: 6 homes permitted so far in 2026, up 200%.
Rents are area estimates; check comps for the exact house. Sources and method: how these figures are built.
Quick facts
| Largo | vs Pinellas County | vs Florida | |
|---|---|---|---|
| Population | 80,690 (2025 estimate) | ||
| Growth since 2020 | -2.5% | -1.4 pts | -11.4 pts |
| Median home value | $229,100 | 35% lower | 36% lower |
| Median gross rent | $1,618 | 1% lower | 3% lower |
| Median household income | $62,096 | 15% lower | 17% lower |
| Owner occupied homes | 61.7% | -7.8 pts | -5.9 pts |
| Residents 65 and older | 28% | +1.6 pts | +6.7 pts |
| Average commute (minutes) | 25 | 1% lower | 11% lower |
| Homes built 2010 or later | 6.1% | +0.3 pts | -8.1 pts |
| Median property tax paid | $1,704 | 31% lower | 38% lower |
Census survey figures are 2020 to 2024 averages; methods.
Living in Largo
Central Pinellas city between Tampa Bay and the Intracoastal Waterway, a citrus town incorporated in 1905.
As an incorporated city, Largo sets its own zoning inside Pinellas County.
Known for: Largo Central Park; Largo Medical Center
Became a bedroom community after the 1960s; US 19 and State Roads 686 and 688 serve it.
Next to the rest of Pinellas County, homes are cheaper than the county median ($229,100 vs $355,100); fewer homes are owner occupied (61.7% vs 69.5%); household incomes are lower ($62,096 vs $72,646) and more homes are seasonal or vacation homes (10.7% vs 9.2%).
Cities with similar prices and rents: Lauderdale Lakes ($214,100, $1,663), Pine Hills ($253,300, $1,542), Tavares ($254,500, $1,496).
Growth and housing
Population went from 82,799 in 2020 to 80,690 in 2025 (-2.5%), versus -1.1% for Pinellas County.
| 2025 building permits | Largo |
|---|---|
| Single family | 3 |
| 5 or more units | 0 |
| Total units | 3 |
| Per 1,000 residents | 0.0 |
The typical home here was built around 1978. The housing mix is 29.5% detached houses and 30.2% larger buildings. Households average 2.16 people.
Fewer newcomers from out of state than the county average (3.1% vs 3.3%).
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $4,063 a year |
| Coastal county | check flood zone and elevation per address |
Insurers will want a four point inspection on most older homes here (56.5% predate 1980). Inspections
Large buildings hold 15.2% of homes here; read the reserve study before buying a condo. Condo financing
Manufactured homes are 26.1% of housing. Manufactured home loans
Flood, storms and jobs
The city earned Community Rating System class 5; federal flood policies in its high risk zones cost 25% less. Insured homes in the city filed 615 flood claims since 2000, with $77,708,968 paid. The Pinellas County guide covers storms, flood claims and employers; 1.2% of county homes are in high risk flood zones.
Buying a home in Largo
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $229,100 |
Homes cost 3.7 times median household income here (Pinellas County 4.9, Florida 4.8).
- Conventional: the most common loan in Pinellas County.
- FHA: $312,187 of room between the median home and the FHA limit.
- VA: veterans are 8.8% of adults.
Investing in Largo
Long term rentals
| Largo | vs Pinellas County | |
|---|---|---|
| Renter occupied homes | 38.3% | +7.8 pts |
| Rental vacancy | 8.9% | -0.2 pts |
| Rent as share of renter income | 34% | -1.0 pts |
Short term rentals
Vacation home share is above the county (10.7% vs 9.2%), so nightly demand here is stronger.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Check the address against local zoning and the HOA documents first. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 29.5% |
| Buildings with 5+ units | 30.2% |
| Manufactured homes | 26.1% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.