ZIP Code 95466 — Philo CDP, CA Demographics & Data

ZIP code 95466 covers Philo, CA in Mendocino County with a population of about 582.

At a glance, the area shows median age of 61.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the SAN FRANCISCO - OAK - SAN JOSE media market.

Philo, CA fits a retirement-oriented profile (high share of residents 65+ (37.6%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 95466 is about $52,614 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 37.9%; unemployment rate near 8.4%; 49.3% of adults with a bachelor’s degree or higher (about 15.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Retail trade; about 23.6% of workers reporting work-from-home (about 8.4 points above the U.S. share (15.2%)); a mean commute of about 159.0 minutes (U.S. average near 26.8).

Median home value is about $698,900 — about 101% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $644 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 68.6% (about 3.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95466 in Philo, CA, a household would need roughly $192,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,490. That is about 265% above the local median household income ($52,614), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Philo CDP, CA as Relatively High (composite score 94.3), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.8) and flood (95.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Philo CDP, CA show little to no average snow and around 38.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 29 for ZIP 95466 (Philo CDP, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.