Understand Largo before you commit to an address
Largo is eighty-three thousand people in the middle of the Pinellas peninsula, the third-largest city in the county, with a large central park, a botanical garden and a housing stock that runs from post-war blocks to a very large share of manufactured housing. Figures are the same two indexes measured the same way in all 24 municipalities here, on Florida's rules including the homestead exemption. It is inland and out of the storm-surge zone that reshaped the rest of this market in 2024.
The cost of living in Largo, and what a home costs
Two calculators on Florida's own rules: monthly compounding and the month private mortgage insurance stops, and the closing costs this state actually charges.
Rent or buy in Largo
Whether buying here beats renting, and the year it turns over. With twenty-three of twenty-four municipalities down last year, appreciation is the input worth arguing with.
Mortgage calculator
Monthly compounding, the 30-year fixed loan, the private mortgage insurance a low down payment triggers, and Florida's documentary stamp and intangible taxes on the loan itself.
Then work out whether Largo is the right part of the bay
No neighborhood guides for Largo yet. What is here instead is both sides of the bay on one comparable footing.
All 24 municipalities in Tampa Bay
Every municipality across Hillsborough and Pinellas side by side on home value, millage, the rate a homesteaded buyer pays, and what storm surge did to it.
Compare the bayTampa, neighborhood by neighborhood
One of the two municipalities here with sourced guides rather than a single row of figures, including how high above the bay each part sits and what that is worth on a quote.
Explore TampaSt. Petersburg, area by area
The other municipality here with a hub of its own: the same row of figures as this table, the five areas the city divides into, and neighborhood guides on the peninsula where Helene's surge was the largest on record.
Explore St. PetersburgMiami and Miami-Dade
The same rules, the same exemptions and the same two Zillow indexes, and against every expectation, higher insurance premiums than Tampa Bay on a coast that has taken less surge.
Compare the two coastsWhat buying in Largo actually involves
Largo's total of 18.9872 mills gives an effective rate of 1.67% and a bill of about $5,600 a year on a typical home value of $339,252. The city runs a full set of services including its own fire department and library, which is what the municipal rate of 5.5200 funds.
Its position mid-peninsula meant it escaped the worst of 2024 (the surge that went through the beaches and Gulfport did not reach central Largo) and its value is down only 1.5% year over year, one of the mildest falls in this layer. That is the geography lesson of Tampa Bay in one number: a few kilometers of elevation and distance from the water is worth several percentage points of value and a great deal of insurance.
Largo runs an unusually complete service set for a Pinellas city, including its own fire department, library and a large central park system, and the municipal millage reflects that. For a buyer the practical question is whether those services are ones you would use, because they are the difference between this city's rate and a neighbour that contracts more of them out.
The stock is postwar and 1970s block housing, with a very large number of manufactured-home communities woven through it. Those communities are a different financing and insurance proposition and they are also where much of the city's affordable housing is, so the city-wide value blends two markets that do not behave alike.
Moving to Largo: check these before you commit
- Whether the property is manufactured housing, which is a large share of this city and a different financing and insurance product.
- Rainfall drainage, which mid-county does have.
- Roof age and wind mitigation on the post-war stock.
- Whether the property is in a manufactured-home community, and whether the land is owned or leased.
- Stormwater drainage on the specific street, because mid-county flooding here is rainfall rather than surge.
Largo's own council sets 5.5200 of the 18.9872 mills charged here. The rest is Pinellas County, the school board and the countywide special districts, and the 18.9872 is the total Pinellas County publishes for this taxing district rather than a figure assembled on this site.
Sourced, dated, and separated from the guesswork
Every Largo figure below is cited, stamped with the period it describes, and editable, because a number for the whole city rarely describes your purchase. Appreciation and investment returns are assumptions rather than facts, and they are labelled that way. Read the methodology for how the line is drawn.
- Prices, rents and tax rates: published statistics and the official schedules.
- Nothing here is a lender quote, a pre-approval or financial advice.
Where the Largo figures come from
- Zillow Home Value Index (ZHVI), all homes, mid-tier, smoothed and seasonally adjusted: city file, June 2026 · Zillow Research · retrieved Supports: A typical home value for each municipality, computed on one method across all twenty-four, The same series and month the Charlotte, Orlando, Palm Beach and Miami pages use, Year-over-year change to June 2026, which is negative in twenty-three of the twenty-four
- Zillow Observed Rent Index (ZORI), all homes, smoothed: city file, June 2026 · Zillow Research · retrieved Supports: Asking rents for the seventeen municipalities Zillow indexes
- Final 2025 millage rates by taxing district · Hillsborough County Property Appraiser · retrieved Supports: Published totals of 19.8428 for Tampa, 19.5319 for Temple Terrace, 18.2926 for Plant City and 18.2515 for the unincorporated county, Every component behind them, including the 0.5583 library services levy Temple Terrace and Plant City are outside and the 0.5000 transit authority levy Plant City is outside, A county General Purpose MSTU of 4.6163 paid in the unincorporated area in place of a municipal rate
- Millage rates levied for 2025 taxes · Pinellas County Tax Collector · retrieved Supports: A published real estate total for every taxing district in Pinellas County, from Redington Shores at 15.1568 to Belleair at 20.4449, including St Petersburg at 19.9197 and Belleair Beach at 15.4466, Countywide components: general fund 4.5423, health department 0.0713, emergency medical services 0.8050 and school 6.2930, Other districts totalling 1.0256: planning council 0.0175, Juvenile Welfare Board 0.8250 and the Southwest Florida Water Management District 0.1831, The Transit District at 0.7300 and which districts are inside it, and the Pinellas Suncoast Fire District at 0.6700 and which are inside that
- Table 1: Comparison of Taxes Levied, county and municipal governments, fiscal years 2024-25 and 2025-26 · Florida Department of Revenue, Property Tax Oversight · retrieved Supports: Independent confirmation of each municipality's own adopted 2025-26 levy in both counties
- Documentary stamp tax · Florida Department of Revenue · retrieved Supports: 70 cents per $100 on a deed, in every county except Miami-Dade, which charges 60 cents plus a 45-cent surtax, 35 cents per $100 on a promissory note or other written obligation to pay money