ZIP Code 33778 — Largo, FL Home Prices (2026)
The typical home in ZIP 33778 (Largo, Florida) is worth about $358,000 at roughly $235 per square foot — about the same as the Largo median and 22% more expensive than the typical U.S. home.
How 33778 compares
ZIP 33778 is a mid-priced ZIP code for Largo: its typical home value of $358,000 ranks #3 of the 5 Largo ZIP codes we track (the citywide range runs from $255,000 in 33771 to $382,000 in 33774). Per square foot it costs about $235, against $273 for Largo as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 33778 | $358,000 | $235 |
| Largo, FL | $358,000 | $273 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 33778
Using this ZIP’s rate of about $235 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $235,000 |
| 1,500 sq ft | $352,500 |
| 2,000 sq ft | $470,000 |
| 2,500 sq ft | $587,500 |
| 3,000 sq ft | $705,000 |
Salary needed to buy a home in ZIP 33778
To buy the typical $358,000 home in ZIP 33778 with 20% down, you need a household income of roughly $97,000 a year (about $2,270 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $116,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,900 | $2,820/mo | $121,000/yr |
| 10% (+PMI) | $35,800 | $2,700/mo | $116,000/yr |
| 20% | $71,600 | $2,270/mo | $97,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 33778
At about $235 per square foot, here is roughly how much home different budgets get you in ZIP 33778:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 850 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1060 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1280 sq ft | around the typical home here |
| $400k | 1700 sq ft | around the typical home here |
| $500k | 2130 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 33778 home.
Estimate a specific home in 33778
The estimator below is pre-set to ZIP 33778 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Largo ZIP codes by home value
Where 33778 sits among Largo’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 33774 | $382,000 | $273 |
| 2 | 33770 | $379,000 | $289 |
| 3 | 33778 (this page) | $358,000 | $235 |
| 4 | 33773 | $336,000 | $275 |
| 5 | 33771 | $255,000 | $216 |
ZIP 33778 home prices: frequently asked
What is the average home price in ZIP code 33778? +
What is the price per square foot in 33778? +
What salary do you need to buy a house in ZIP 33778? +
Is 33778 an expensive ZIP code? +
See the full Largo home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.