Comment by jfengel

In the formula for a Schwarzchild black hole, the mass is proportional to the radius. Since volume goes up with the cube of the radius, the density drops quickly.

The kind of black hole that forms from a collapsing star is super dense. But a supermassive black hole forms differently, as a denser region of gas and stars during galaxy formation. The density can be lower than that of water. You could be inside it without even realizing anything is odd.

There is no known way to form black holes bigger than that. We had been discussing a pure thought exercise. Though it is possible that the universe as a whole has enough density to be a black hole. (Signs point to no, but it's an open question.)