Inside a black hole just means inside its event horizon. The singularity can still be arbitrarily far away from that horizon (if the black hole is correspondingly large). The volume enclosed by the event horizon may be larger than our cosmological horizon (i.e. how far the speed of light allows us to see, given the finite age of the universe.) And the singularity of a black hole isn’t “where”, it’s “when”. The singularity of a black hole is in the future of all particle trajectories inside the event horizon.