Best PlacesWest Tocoi, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around West Tocoi, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
West Tocoi ranks 6,421st of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and car insurance costs are the weak spot.
The best neighborhoods in West Tocoi
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.
West Tocoi's strengths and weaknesses
Where West Tocoi ranks high
- State infrastructureBetter than 99% of towns
- Low income/sales/gas taxBetter than 96% of towns
- Cost of living vs incomeBetter than 96% of towns
- Tree shadeBetter than 94% of towns
- Household income$108,246 median, better than 89% of towns
Where West Tocoi ranks low
- Cheap car insuranceBetter than only 7% of towns
- Disaster safetyBetter than only 11% of towns
- Heat safetyBetter than only 11% of towns
- Short commute35.8 minutes each way, better than only 12% of towns
- Housing crash safetyBetter than only 18% of towns
What it costs to buy a home in West Tocoi
A household needs to earn about $114,000 a year to comfortably buy the median West Tocoi home, at 20% down and today's 30-year rate. That is only a little above the area's median income of $108,246; the gap is small, which keeps homes within reach of local pay.
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 West Tocoi's effective rate of 0.61%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in West Tocoi
West Tocoi runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for West Tocoi.
Who works in West Tocoi, and how
Work in West Tocoi centers on retail trade and health care & social. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 85%
- Work from home 13%
- Transit, walk, or bike 2%
Life in West Tocoi
The coast is about 35 minutes away. Distance to the water changes a lot across West Tocoi, which the map shows.
What the weather is like in West Tocoi, month by month
West Tocoi sees roughly 131 pleasant days a year. July highs average about 90 degrees. January highs sit near 69, with lows near 46. The comfortable stretch runs October through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 69° | 57° | 46° |
| April | 80° | 70° | 60° |
| July | 90° | 81° | 75° |
| October | 82° | 75° | 67° |
Flying in and out of West Tocoi
Jacksonville International sits about 41 miles away. It is a medium hub and boarded 3.7 million passengers in 2025, with 86 nonstop destinations.
The best schools in and around West Tocoi
Schools across West Tocoi average an A−, better than 87% of towns.
Top elementary schools
- Mill Creek AcademyA · 69% proficient
- South Woods Elementary SchoolB · 47% proficient
- Charles E. Bennett Elementary SchoolB− · 42% proficient
Top middle schools
- Pacetti Bay Middle SchoolA+ · 72% proficient
- Green Cove Springs Junior High SchoolA · 62% proficient
- Gamble Rogers Middle SchoolA− · 56% proficient
Top high schools
- Allen D Nease Senior High SchoolA · 79% proficient
- Pedro Menendez High SchoolB · 47% proficient
- Palatka Jr - Sr High SchoolD · 21% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every West Tocoi school and its grade on SchoolGrade.
West Tocoi 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 West Tocoi against the other 50,332 towns.
Common questions about living in West Tocoi
Is West Tocoi a good place to live?
Using BestNeighborhood's default rankings, West Tocoi ranks 6,421st of 50,333 towns. It scores highest on state infrastructure, low taxes, and what local pay buys, and lowest on car insurance costs and disaster risk. How good it is for you depends on which of those you weight most, which the map lets you set.
Is West Tocoi expensive to live in?
The median home is worth $448,804. The overall cost of living runs about 15% below the national average. Set against a $108,246 median income, cost of living beats 96% of towns.
Is West Tocoi safe?
Yes, West Tocoi is safer than 74% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $150 per resident a year.
Compare West Tocoi with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to West Tocoi. Scores are absolute rather than ranked, which means a 60 in West Tocoi 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.
West Tocoi detail on BestNeighborhood maps:
- Walk Grade for West Tocoi: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in West Tocoi: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of West Tocoi: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in West Tocoi: carrier by carrier coverage behind the cell score.
West Tocoi 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.