Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Largo at a glance
Local notes: Largo
Central Pinellas, built around Largo Central Park and the Pinellas Trail. Largo has a large share of 55+ condos and manufactured-home communities alongside 1960s–80s block homes.
Condos are a big part of the Largo market. Florida's post-Surfside condo safety laws require milestone structural inspections and fully funded structural reserves for many buildings. Review the association's reserve study, milestone reports and any special assessments before you buy or list.
Housing stock in Largo
Largo has about 46,806 housing units. 36% are single-family homes and 24% are in buildings with 10 or more units, and 26% are mobile or manufactured homes. 56% of homes were built before 1980 and 13% were built in 2000 or later. The median resident is 49.3 years old. About 11% of housing units are seasonal or occasional-use homes, so part-time residents are a meaningful slice of the market.
Real-world check: homeowners here who have a mortgage pay a median $1,655/month in total owner costs, including mortgage, property tax, insurance, utilities and any HOA or condo fees.
Florida-specific loan costs on a $229,100 purchase
| Item | Rule | On a $206,190 loan |
|---|---|---|
| Mortgage doc stamps | $0.35 per $100 of the note | $722 |
| Intangible tax | 0.2% of the loan | $412 |
| Lender's title policy | Promulgated rate (simultaneous issue lowers it) | Ask your title agent |
Income check: the median Largo household earns $62,096. A $1,303 principal-and-interest payment (example 6.5% rate) is about 25% of that income before taxes and insurance.
Largo vs. similar communities
| Community | Median value | Median household income |
|---|---|---|
| Largo | $229,100 | $62,096 |
| Kenneth City | $241,200 | $49,347 |
| Lealman | $196,400 | $45,308 |
| Pinellas Park | $278,900 | $63,432 |
| West Lealman | $169,100 | $51,589 |
| Bardmoor | $334,700 | $89,400 |
Getting matched in Largo
Fill in the short form. We pass your request to one licensed loan officer covering Largo, not a shared list. Expect a call or text, usually within the business day. If the fit isn't right, ask us for someone else.
Frequently asked questions
What closing taxes are unique to Florida mortgages?
Florida charges documentary stamp tax on the note ($0.35 per $100) and a nonrecurring intangible tax of 0.2% of the loan amount.
Do you choose my lender for me?
No. We introduce you to a licensed loan officer, and you're free to shop and compare any lender.