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Largo city, FL

ZIP 33778 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33778

Median Home Value
$267,800
Median Rent
$1,438
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,720/mo PITI).

27%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

15.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33778 in Largo city, FL, a household would need roughly $74,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,720. That is about 16% above the local median household income ($63,633), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
18.7%+81% vs US avg
x
Broadband Access
87.0%-0% vs US avg
x
4+ Bedrooms
0.7%-96% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
48.2%+26% vs US avg
x
$267,800
Home Value
$1,438
Rent
1978
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached49.1%
  • 1-unit attached3.0%
  • 2-9 units9.3%
  • 10+ units6.0%
  • Mobile home & other32.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$267,800
Median rent$1,438
Owner-occupied83.3%
Vacant18.7%
Price-to-income4.2x
Est. income to buy$74,000