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Philo CDP, CA

ZIP 95466 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95466

Median Home Value
$698,900
Median Rent
$644
Affordability Snapshot
$192,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,490/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

13.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

90.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95466 in Philo CDP, 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.

Housing Tenure

Vacancy rate 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.6%+5% vs US avg
x
Vacancy Rate
42.8%+315% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
72.6%+90% vs US avg
x
$698,900
Home Value
$644
Rent
1975
Year Built
1996
Moved In

Residents have lived here since ~1996 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached85.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other14.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$698,900
Median rent$644
Owner-occupied68.6%
Vacant42.8%
Price-to-income13.3x
Est. income to buy$192,000