Best PlacesMonterey Lakes, Largo, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Monterey Lakes, Largo, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
Monterey Lakes, Largo ranks 3,567th of 5,983 U.S. neighborhoods on the BestNeighborhood index. It scores highest on cell coverage by a wide margin, and empty homes are the weak spot.
The best neighborhoods in Monterey Lakes, Largo
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Monterey Lakes, Largo's strengths and weaknesses
Where Monterey Lakes, Largo ranks high
- Cell coverageBetter than 98% of neighborhoods
- State infrastructureBetter than 96% of neighborhoods
- Low income/sales/gas taxBetter than 95% of neighborhoods
- QuietBetter than 95% of neighborhoods
- Air qualityBetter than 79% of neighborhoods
Where Monterey Lakes, Largo ranks low
- Low vacancyBetter than only 1% of neighborhoods
- Heat safetyBetter than only 3% of neighborhoods
- Tree shadeBetter than only 8% of neighborhoods
- Cheap car insuranceBetter than only 13% of neighborhoods
- Disaster safetyBetter than only 14% of neighborhoods
What it costs to buy a home in Monterey Lakes, Largo
A household needs to earn about $47,000 a year to comfortably buy the median Monterey Lakes, Largo home, at 20% down and today's 30-year rate. That is below the area's own median income of $73,107, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Monterey Lakes, Largo's effective rate of 0.74%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 3 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Monterey Lakes, Largo
Monterey Lakes, Largo's age mix sits close to the national median, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Monterey Lakes, Largo.
Who works in Monterey Lakes, Largo, and how
Work in Monterey Lakes, Largo centers on health care & social and admin & support services. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 80%
- Work from home 18%
- Transit, walk, or bike 2%
Life in Monterey Lakes, Largo
Monterey Lakes, Largo has more restaurants and bars per resident than 75% of neighborhoods. The coast is about 8 minutes away. That concentrates in some parts of Monterey Lakes, Largo and thins out in others, which the map shows.
What the weather is like in Monterey Lakes, Largo, month by month
Monterey Lakes, Largo sees roughly 150 pleasant days a year. July highs average about 93 degrees. January highs sit near 73, with lows near 52. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 73° | 61° | 52° |
| April | 85° | 74° | 65° |
| July | 93° | 84° | 77° |
| October | 87° | 78° | 71° |
Flying in and out of Monterey Lakes, Largo
The nearest airport, St Pete-Clearwater International, is about 4 miles away and is a small airport. The nearest major hub is Tampa International, about 14 miles away.
The best schools in and around Monterey Lakes, Largo
Schools across Monterey Lakes, Largo average a B, better than 72% of neighborhoods.
Top elementary schools
- Walsingham Elementary SchoolA− · 57% proficient
Top middle schools
- Fitzgerald Middle SchoolB · 47% proficient
- Osceola Middle SchoolB · 45% proficient
- Largo Middle SchoolC+ · 36% proficient
Top high schools
- Largo High SchoolB · 48% proficient
- Pinellas Park High SchoolC+ · 37% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Monterey Lakes, Largo school and its grade on SchoolGrade.
Monterey Lakes, Largo measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Monterey Lakes, Largo against the other 5,982 neighborhoods.
Common questions about living in Monterey Lakes, Largo
Is Monterey Lakes, Largo a good place to live?
Using BestNeighborhood's default rankings, Monterey Lakes, Largo ranks 3,567th of 5,983 neighborhoods. It scores highest on cell coverage, state infrastructure, and low taxes, and lowest on empty homes and summer heat. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Monterey Lakes, Largo expensive to live in?
The median home is worth $179,490. The overall cost of living runs about 11% below the national average. Set against a $73,107 median income, cost of living beats 53% of neighborhoods.
Is Monterey Lakes, Largo safe?
Yes, Monterey Lakes, Largo is safer than 57% of neighborhoods. Safety varies a lot by neighborhood. Crime costs an estimated $276 per resident a year.
Compare Monterey Lakes, Largo with other neighborhoods
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Monterey Lakes, Largo. Scores are absolute rather than ranked, which means a 60 in Monterey Lakes, Largo represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Monterey Lakes, Largo detail on BestNeighborhood maps:
- Walk Grade for Monterey Lakes, Largo: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Monterey Lakes, Largo: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Monterey Lakes, Largo: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Monterey Lakes, Largo: carrier by carrier coverage behind the cell score.
Monterey Lakes, Largo detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.