Largo, FL · Updated Oct 2026

What a Largo house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Largo house

$11,684a year · $974 a month

Starts at $232,202 of value before exemptions. Typical use.

Property tax$3,578
1.887% of $232,202, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$2,035
1104 kWh a month $2,035
Water and sewer$1,640
7,000 gallons a month on Pinellas County Utilities: water $55, sewer $62, city of largo stormwater (drainage) fee, 1 eru $20 a month
Trash$369
Residential service (one flat rate), $31 a month
Home insurance$4,063
Typical premium $4,063

A typical Largo house pays about $11,700 a year: $3,580 property tax and charges, $1,640 water and sewer, $370 trash, $2,030 electricity, $4,060 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $341 a year:

Bring water use down to 5 units
$341 a year
Above 5 units a month, Pinellas County Utilities charges $12.71 a unit instead of $5.60.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Veterans with a service-connected disability: exemptions$5,000 off, or no property tax on the homestead
Honorably discharged veterans with a service-connected disability of 10% or more can get $5,000 off; veterans with a service-connected total and permanent disability are exempt on their homestead.
How: Apply to the Pinellas County Property Appraiser with a letter from the U.S. Government or Veterans Affairs.
Four free bulky pickups a year
Largo's residential fee includes four complimentary bulky pickups per year. Items that fit in your garbage cart go in the cart.
How: Call Largo Solid Waste at 727-587-6760 to request a pickup.

Money dates

Nov 1in 9 daysProperty tax notices are mailed by November 1; paying from November through February earns an early-payment discount.
Mar 1Deadline to apply for the homestead exemption for that year with the Pinellas County Property Appraiser.
Apr 1Taxes not paid by March 31 become delinquent on April 1, when interest and penalties are added.

Who serves this house

Water: Pinellas County Utilities; Pinellas County Utilities retail rates for FY 27, beginning Oct. 1, 2026: a monthly base charge for a ¾ inch meter plus a residential charge per 1,000 gallons that is higher above 4,000 gallons a month; PCU bills bimonthly
Property tax: 1.89% of value; 2026 tax year (fiscal year 2026-27), City of Largo, Pinellas County
Garbage: City of Largo Solid Waste; $30.76 a month for twice-weekly garbage collection, weekly recycling and yard waste, and four bulky pickups a year
Sewer: City of Largo; Single-family inside city limits: $33.84 a month plus $4.14 per 1,000 gallons, with at most 10,000 gallons billed a month
Electricity: Duke Energy Florida; Residential Service (RS-1) rates in force in October 2026: $14.43 customer charge a month
Gas: Utility gas; 674 of 23,182 owner-occupied homes in Largo heat with utility gas; 21,549 heat with electricity (Census ACS 2020-2024)
Schools: Pinellas County Schools; 6.2730 mills for 2026-27: 3.0250 required local effort, 0.7480 discretionary, 1.0000 local referendum, 1.5000 capital outlay

Pay or manage your bills

Your water

Source: Tampa Bay Water's regional supply blends groundwater, treated surface water and desalinated seawater; eleven regional wellfields pump from the Floridan Aquifer.
Compliance: PCU reports that its water met all federal and state compliance standards for safe drinking water in 2025.
Lead: 2023 residential tap sampling found a 90th percentile lead level of 0.8 ppb, below the 15 ppb action level.
Fluoride: PCU has stopped adding fluoride; naturally occurring fluoride of 0.15 to 0.50 ppm remains.

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How these numbers are made

Florida tax bills are public, but we calculate yours from public rates and the value you enter.
Property tax: 18.8720 mills in total for the 2026 tax year (fiscal year 2026-27), final adopted rates: City of Largo 5.4900; Pinellas County 4.4989 general fund, 0.0713 health department, 0.8050 emergency medical services and 0.0171 Pinellas Planning Council; Pinellas County Schools 6.2730 (3.0250 required local effort, 0.7480 discretionary, 1.0000 local referendum, 1.5000 capital outlay); PSTA transit 0.7168; Juvenile Welfare Board 0.8168; Southwest Florida Water Management District 0.1831. These are the same taxing bodies that made up Largo's 2025 millage code LA on the Tax Collector's table; the 2026 table is not published yet.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes (we apply the full $26,411, which every home assessed at $76,411 or more gets). The starting value is the City of Largo's FY27 average assessed value of a single-family home (about $232,202), which reflects the Save Our Homes cap; for context, the Census ACS 2020-2024 median market value of owner-occupied homes in Largo is $229,100. We found no flat yearly charges on a typical Largo single-family tax bill; parcels in assessment areas may pay more.
Water: Pinellas County Utilities FY 27 retail rates from Oct. 1, 2026, $11.80 a month for a ¾ inch meter plus $4.19 per 1,000 gallons up to 4,000 gallons a month and $9.51 above. Sewer: City of Largo inside-city single-family rate, $33.84 a month plus $4.14 per 1,000 gallons, capped at 10,000 gallons a month (the city's sewer page is dated October 1, 2025, and its FY 2027 table keeps the $33.84 base). Stormwater: $20.38 a month for one ERU from October 1, 2026. Garbage: City of Largo residential rate, $30.76 a month for FY 2027. PCU bills these every two months; we show monthly amounts.
Electricity: Duke Energy Florida RS-1 rates in force in October 2026 (tariff sheets 6.120–6.121, with BA-1 billing adjustments), $14.43 a month plus a year-round per-kWh rate: non-fuel energy weighted 3 winter months (December-February) and 9 other months, plus the energy conservation, capacity, environmental, asset securitization and storm protection factors (1.733¢) and fuel (4.127¢ up to 1,000 kWh, 5.197¢ above). That is 13.860¢ per kWh up to 1,000 kWh and 15.883¢ above. Largo's municipal public service tax, the 6% franchise fee under Ordinance 2026-19 and the gross receipts tax Duke adds to the bill are not included. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Gas is not modeled: few Largo owner-occupied homes heat with utility gas.
Insurance: Florida OIR's Pinellas County average homeowners premium with wind coverage ($4,063, data as of March 31, 2026); flood insurance is a separate policy and is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Largo compares

A typical Largo house against the 53 Florida cities we cover, using the same default numbers as the total above.

Per year	Largo	Median	Where it falls
Property tax rate	1.89%	1.78%	higher than 35 of the other 52 Florida cities we cover
Water	$654	$515	higher than 33 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$985	$901	higher than 31 of the other 51 Florida cities we cover
Trash	$369	$364	higher than 29 of the other 51 Florida cities we cover
Electricity and gas	$2,035	$1,953	higher than 41 of the other 52 Florida cities we cover
Home insurance	$4,063	$3,733	higher than 28 of the other 51 Florida cities we cover
Total	$11,684	$12,935	lower than 42 of the other 52 Florida cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,035 a year, higher than 41 of the other 52 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,035 a year for a typical house, higher than 41 of the other 52 Florida cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Largo house costs

What is the property tax rate in Largo?

About 1.89% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), City of Largo, Pinellas County), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Largo?

About $8,631 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Largo?

About $137 a month for water and sewer at typical use (7,000 gallons a month) on Pinellas County Utilities.

How much does trash pickup cost in Largo?

$31 a month for a house.

How much does a house in Largo cost to run each year?

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