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Largo, FL

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US location · verified

Neighborhood intelligence

Your Largo relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Largo.

Median rent

$1,618/mo

ACS 2024 5-year

Median household income

$62,096

ACS 2024 5-year

Median home value

$229,100

ACS 2024 5-year

Safety score

62/100

FBI CDE

Weather

80°F (H 85° / L 75°)

Open-Meteo

Buying in Largo? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

62/100

FBI CDE

Typical urban safety profile — 5% below average FBI data, 2023–2024

Good

Noise Level

41 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 80°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 87 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Largo FL

Largo has genuinely comfortable weather: 80°F average with 85°F highs. Combined with $1,618/month rent and 62/100 safety, it makes a strong case for the right mover.

Largo has about 82,617 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Largo FL Safe?

Largo FL scores 62/100 on safety (below average). Crime is about 5% below the national average. Expect more property crime (car break-ins, package theft) than a quiet suburb.

Detail: overall crime index 95 (100 = avg); violent crime index 81; property crime index 108. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Largo FL

School quality varies by neighborhood in Largo. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Largo FL

Typical rent in Largo is about $1,618/month (on the high side). At $1,618/month for a typical unit, you need about $58,248+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $229,100.

Median household income is $62,096, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($62,096) clears the $58,248 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Largo FL

Average temperature is about 80°F (highs near 85°F, lows near 75°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Largo FL?

Who tends to thrive in Largo: (1) Households earning $58,248+ who can clear the 3× rent rule at $1,618/month (2) Movers with a locked job offer in Largo who already priced rent and commute (3) Buyers comparing mid-size metros who will tour multiple ZIPs before signing (4) People who will visit on a weekday and a weekend before committing (not just a long weekend)

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 62/100) (2) Anyone stretching past 40% of take-home on housing at $1,618/month (3) Households expecting top marks on rent and safety at once (Largo does not clear every bar)

Income sniff test: clear about $58,248 household income for $1,618/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Largo holds up well on the core metrics we publish. Safety at 62/100 makes it a reasonable choice for households who can manage $1,618/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

Quotes and listings for Largo when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Largo.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,612

Mortgage + tax + insurance + HOA

Annual property tax

$3,322

Annual est. $5,580

Est. monthly utilities

$365

Climate-adjusted electric, gas & water

Median home price

$229,100

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$206k
2022
$212k
2023
$217k
2024
$223k
2025
$229k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Buying saves ~$6/mo vs renting
$1,618ACS 2024 5-year
Rent
$1,612
Buy

Mortgage

$1,158

Property tax

$277

Insurance

$82

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,040/yr

2024

1.37%

$3,131/yr

2025

1.41%

$3,225/yr

2026

1.45%

$3,322/yr

Buying in Largo? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

23 (100 = avg)

low exposure

Est. annual homeowners insurance

$982/yr

moderate exposure
Wind hazard index87 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 80°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $982.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Largo to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo