Median Income
$73,603
2% lower than US avg
Violent Crime
846/100K
123% higher than US avg
Bachelor's+
74.4%
121% higher than US avg
Obesity Rate
29.8%
7% lower than US avg
Unemployment
0.0%
100% lower than US avg
How Philo Compares to the U.S. Average (100% = U.S. avg)
People
Population41
Median Age76.4 yrs
Density20/mi²
Male / Female5% / 95%
Largest GroupWhite 98%
Veterans40.0%
Economy
A
Median Income$73,603
Per Capita$76,451
Unemployment0.0%
County GDP$4,693M
Housing
Ownership69.2%
Zillow$479,526
Housing Units63
Rent Burden32.7%
Crime
F
Violent846/100K
Property3,479/100K
Health
Obesity29.8%
Uninsured14.2%
Smoking10.7%
Depression19.8%
Climate
Avg Temp60°F (15°C)
AQI48 (Good)
Rain34.8 in/yr
Sunny Days302/yr
Elevation326 ft (99 m)
Education
A+
Bachelor's+74.4%
High School+100.0%
Graduate+28.2%
School Score3.77
Community
2024 VoteR 35% / D 61%
Broadband39.0%
EV Stations5
Libraries7
Is Philo a Good Place to Live?
Based on current data, Philo receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, a highly educated population, abundant sunshine. Areas to be aware of include elevated crime rates, a high uninsured rate. Philo offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Philo is $73,603, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 0.0%.
Safety & Crime
With 846 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 3,479 per 100,000, 78% above the national average.
Education
Philo is a highly educated community / 74.4% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 100.0% have completed high school. School test scores average 3.8/10, below typical benchmarks.
Climate & Weather
Philo enjoys a moderate climate with an average annual temperature of 60°F. Winters average 48°F in January while summers reach 75°F in July. With 302 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 34.8 inches. Air quality is rated Good with a median AQI of 48.
Philo has a population of 41 with a density of 20 people per square mile, spread across 2.0 square miles. The median age is 76.4 years, 96% older than the national median of 38.9. The gender split is 95.1% female and 4.9% male. The city is predominantly White (97.6%), with 2.4% Hispanic. English is the primary language spoken at home by 62.3% of residents, while 37.7% speak Spanish. 40.0% of the population are veterans, above the national rate of 6.0%. 22.0% of residents have a disability (above the 13.0% national average). 86.0% have health insurance coverage.
Population
76.4yrs
Median Age
96% above US avg
Language Spoken at Home
English Only
62.3%
21% below US avg
Spanish
37.7%
181% above US avg
The median household income in Philo is $73,603, which is 2% below the national average of $75,149. Per capita income is $76,451 (above the $39,052 national figure). The average weekly wage is $1,037, 28% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). The area has 4,522 business establishments, including 336 restaurants. The cost of living index is 110.7, slightly above the national baseline of 100. 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $73,603 |
| 2% below US avg |
| Per Capita Income | $76,451 |
| Avg Weekly Wage | $1,037 |
| IRS Avg AGI | $67,138 |
| Gini Index | 0.481 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| |
| Establishments (County) | 4,522 |
| County GDP | $4,693M |
Business (County)
| Restaurants | 336 |
| Healthcare | 265 |
| Retail | 403 |
| Manufacturing | 123 |
Tax & Cost of Living
| Property Tax (IRS) | $6,264 |
| 79% above US avg |
| Cost of Living | 110.70 (100=avg) |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
Zillow estimates the typical home value at $479,526. Fair market rent ranges from $1,647 for a one-bedroom to $2,053 for a two-bedroom apartment. 69.2% of housing units are owner-occupied. There are 63 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $6,264 (higher than the $3,500 national average). 32.7% of renters spend 30% or more of their income on housing.
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $1,513 |
| 1 Bedroom | $1,647 |
| 2 Bedrooms | $2,053 |
| 3 Bedrooms | $2,752 |
| 4 Bedrooms | $3,165 |
Ownership & Property
| Homeownership | 69.2% |
| Owner-Occupied | 69.2% |
| Renter-Occupied | 30.8% |
| Housing Units | 63 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $6,264 |
| 79% above US avg |
In Philo, 29.8% of adults are obese, below the national rate of 32.1%. 11.3% have diabetes. 30.6% have high blood pressure. 10.7% are current smokers (below the 14.0% national rate). 18.5% report binge drinking. 23.5% are physically inactive. 19.8% report depression. 16.2% experience frequent mental distress. 14.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,286. The dentist ratio is 1:1,247. 68.8% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: Philo vs U.S. Average (%)
Chronic Conditions
| Obesity | 29.8% |
| 7% below US avg |
| Diabetes | 11.3% |
| High Blood Pressure | 30.6% |
| Asthma | 8.8% |
| COPD | 4.9% |
| Cancer | 6.3% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 10.7% |
| 24% below US avg |
| Binge Drinking | 18.5% |
| Physical Inactivity | 23.5% |
| Depression | 19.8% |
| Mental Distress | 16.2% |
| Physical Distress | 13.3% |
| Short Sleep | 35.8% |
Healthcare Access
| Insurance Rate | 86.0% |
| Uninsured | 14.2% |
| 65% above US avg |
| Primary Care | 1:1,286 |
| Dentists | 1:1,247 |
| Mental Health | 1:152 |
| Checkup Rate | 69.2% |
| Dental Visits | 61.1% |
| Premature Death | 10,093/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 68.8% |
| Healthcare Facilities | 265 |
Philo has a violent crime rate of 846 per 100,000 residents, 123% above the national average of 380. Property crime stands at 3,479 per 100,000, 78% above the U.S. average. The county recorded 17 fatal traffic crashes. The area has experienced 182 federally declared disasters. Overall, Philo receives a safety grade of F.
Crime Rates: Philo vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 846.2/100K |
| 123% above US avg |
| |
Property Crime
| Total Property | 3,479.4/100K |
| 78% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 17 |
| Traffic Accidents | 174 |
| Avg Accident Severity | 2.0 / 4.0 |
| FEMA Disasters | 182 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Philo enjoys a temperate climate with an average annual temperature of 60°F (15°C). Winters average 48°F in January while summers reach 75°F in July. The area gets 302 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 34.8 inches. Air quality is rated Good with a median AQI of 48. The city sits at an elevation of 326 feet.
Temperature
48°F Jan (9°C)
75°F Jul (24°C)
| Annual Average | 59.8°F |
| 11% above US avg |
| January Average | 48°F (9°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 302 days/yr |
Geography
| Elevation | 326 ft (99 m) |
| Area | 2.0 sq mi (5.3 km²) |
| Population Density | 20/sq mi |
| Coordinates | 39.0658°N, 123.4451°W |
| Timezone | America/Los_Angeles |
| County | Mendocino County County |
| Nearest Airport | Chico Regional (CIC)
97 miles away |
Precipitation & Snow
Annual Rainfall
34.8"
8% below US avg
Wettest Month (Jan)
9.17"
Air Quality
| AQI Median | 48.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0340 ppm |
| PM2.5 (Fine Particles) | 9.4 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 94.3 / 100 |
| Social Vulnerability | 76.8 / 100 |
| Community Resilience | 39.0 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Relatively High |
| Wildfire |
Relatively High |
| Flood |
Relatively High |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Drought |
Relatively High |
| Cold Wave |
No Rating |
| Landslide |
Relatively High |
| Coastal Flood |
Relatively Low |
| Tsunami |
Very Low |
| Volcano |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
3,618 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M6.0. Most recent: M2.7 on Aug 27, 2025.
| Aug 24, 2014 |
The 2014 South Napa, California Earthquake |
M6.0 |
137 km |
| Jan 16, 1990 |
30 km NW of Shelter Cove, California |
M5.4 |
150 km |
| Mar 8, 1992 |
27 km NW of Shelter Cove, California |
M5.3 |
147 km |
| Aug 10, 2016 |
20 km NNE of Upper Lake, California |
M5.1 |
63 km |
| Sep 3, 2000 |
5 km WSW of Yountville, California |
M4.9 |
118 km |
| Sep 4, 1995 |
13 km SW of Middletown, California |
M4.8 |
74 km |
| Apr 18, 2007 |
15 km N of Potter Valley, California |
M4.8 |
53 km |
| May 12, 2006 |
7 km W of Cobb, California |
M4.7 |
61 km |
| Jan 19, 2008 |
31 km NW of Rancho Tehama Reserve, California |
M4.7 |
139 km |
| Jan 2, 2025 |
4 km NW of Cobb, CA |
M4.7 |
64 km |
| Aug 18, 1999 |
0 km S of Bolinas, California |
M4.6 |
145 km |
| Jan 11, 2000 |
6 km N of Geyserville, California |
M4.6 |
57 km |
| Feb 18, 2004 |
4 km WNW of Cobb, California |
M4.6 |
64 km |
| Jan 12, 2014 |
8 km W of Cobb, California |
M4.5 |
61 km |
| Sep 25, 2012 |
3 km N of Talmage, California |
M4.5 |
27 km |
| Aug 3, 2006 |
5 km W of Glen Ellen, California |
M4.5 |
108 km |
| Jan 19, 2008 |
34 km WNW of Rancho Tehama Reserve, California |
M4.5 |
136 km |
| Jun 8, 2024 |
7 km NW of The Geysers, CA |
M4.5 |
61 km |
| Sep 19, 1992 |
7 km NW of Cobb, California |
M4.5 |
61 km |
| Apr 24, 2007 |
7 km WSW of Cobb, California |
M4.5 |
64 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
15 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2.
| Date |
Rating |
Distance |
Fatalities |
| Jun 1, 1958 |
EF2 |
96 km |
0 |
| Mar 18, 2011 |
EF1 |
94 km |
0 |
| Jan 27, 2005 |
EF1 |
57 km |
0 |
| Dec 5, 1998 |
EF1 |
94 km |
0 |
| Dec 5, 1998 |
EF1 |
51 km |
0 |
| Feb 22, 1996 |
EF1 |
84 km |
0 |
| Dec 2, 1992 |
EF1 |
88 km |
0 |
| Dec 2, 1992 |
EF1 |
91 km |
0 |
| Dec 2, 1992 |
EF1 |
79 km |
0 |
| Feb 27, 1983 |
EF1 |
94 km |
0 |
| Nov 10, 1964 |
EF1 |
82 km |
0 |
| Feb 17, 1959 |
EF1 |
63 km |
0 |
| Dec 29, 2004 |
EF0 |
94 km |
0 |
| Dec 11, 1983 |
EF0 |
22 km |
0 |
| Feb 3, 1958 |
EF0 |
36 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Nearby Volcanoes
1 volcano within 200 km.
Closest: Clear Lake (59 km).
| Name |
Type |
Elevation |
Last Eruption |
Distance |
| Clear Lake |
Volcanic field |
1,439 m (4,721 ft) |
Unknown |
59 km |
Source: Smithsonian Institution Global Volcanism Program (GVP). Sorted by distance.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: RANCH (427,048 ac, 2018).
| Year |
Name |
Acres |
Distance |
| 2018 |
RANCH |
427,048 |
62 km |
| 2015 |
ROCKY |
96,125 |
88 km |
| 1996 |
FORK |
83,209 |
62 km |
| 2019 |
KINCADE |
77,780 |
73 km |
| 2015 |
VALLEY |
77,507 |
78 km |
| 2020 |
GLASS |
68,020 |
97 km |
| 2020 |
WALLBRIDGE |
55,194 |
62 km |
| 1987 |
MENDENHALL |
54,162 |
63 km |
| 2018 |
RIVER |
48,920 |
37 km |
| 2012 |
NORTH PASS |
43,689 |
98 km |
| 2017 |
TUBBS |
36,981 |
86 km |
| 2017 |
REDWOOD VALLEY INCIDENT |
36,545 |
36 km |
| 2012 |
MILL |
29,924 |
76 km |
| 2001 |
TROUGH |
25,270 |
74 km |
| 2017 |
POCKET |
18,691 |
59 km |
| 2012 |
SIXTEEN COMPLEX |
18,191 |
99 km |
| 1987 |
FOUTS |
16,892 |
66 km |
| 2006 |
HUNTER |
16,757 |
80 km |
| 2008 |
WALKER |
12,441 |
83 km |
| 2014 |
LODGE COMPLEX |
12,299 |
82 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
48°F (9°C) |
9.2 in |
Wettest |
| February |
48°F (9°C) |
7.1 in |
|
| March |
49°F (9°C) |
6.5 in |
|
| April |
51°F (11°C) |
3.0 in |
|
| May |
55°F (13°C) |
1.0 in |
|
| June |
60°F (16°C) |
0.3 in |
|
| July |
75°F (24°C) |
0.1 in |
Warmest, Driest |
| August |
65°F (18°C) |
0.3 in |
|
| September |
64°F (18°C) |
0.8 in |
|
| October |
58°F (15°C) |
2.7 in |
|
| November |
51°F (10°C) |
7.1 in |
|
| December |
46°F (8°C) |
7.8 in |
Coldest |
Philo has a seasonal temperature swing of 29°F / from 46°F in December to 75°F in July. Total annual precipitation is 45.7 inches, with January being the wettest month (9.2") and July the driest (0.1").
Average costs for common services in Philo. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$277 ($166–$443) |
| Specialist Visit |
$387 ($221–$609) |
| Urgent Care Visit |
$221 ($111–$387) |
| Emergency Room Visit |
$2,435 ($886–$5,535) |
| Dental Cleaning |
$144 ($83–$221) |
| Dental Filling |
$277 ($166–$443) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$50 ($28–$83) |
| Oil Change (Synthetic) |
$83 ($55–$133) |
| Brake Pad Replacement |
$332 ($166–$554) |
| Tire Rotation |
$44 ($22–$83) |
| New Tires (Set of 4) |
$664 ($443–$1,107) |
| Battery Replacement |
$221 ($111–$387) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$111 ($66–$166) |
| Electrician (Per Hour) |
$100 ($55–$155) |
| HVAC Repair |
$443 ($166–$886) |
| HVAC System Install |
$7,749 ($4,428–$13,284) |
| Roof Repair |
$1,107 ($443–$2,214) |
| Roof Replacement |
$9,963 ($6,089–$16,605) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,661 ($554–$3,875) |
| Divorce (Contested) |
$16,605 ($5,535–$33,210) |
| DUI Defense |
$5,535 ($2,214–$11,070) |
| Bankruptcy (Chapter 7) |
$1,661 ($886–$3,321) |
| Will Preparation |
$554 ($221–$1,107) |
| Trust Preparation |
$2,768 ($1,107–$5,535) |
View all 12 services
Personal Care
| Men's Haircut |
$28 ($17–$50) |
| Women's Haircut |
$61 ($33–$111) |
| Hair Coloring (Full) |
$166 ($83–$277) |
| Manicure |
$28 ($17–$50) |
| Pedicure |
$44 ($28–$72) |
| Massage (1 Hour) |
$89 ($55–$144) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.54 ($3.32–$6.09) |
| Dozen Eggs (per dozen) |
$3.87 ($2.77–$5.54) |
| Loaf of Bread |
$4.21 ($2.77–$6.09) |
| Chicken Breast (per lb) |
$4.98 ($3.32–$7.20) |
| Ground Beef (per lb) |
$6.09 ($4.43–$8.30) |
| Rice (per lb) |
$1.11 ($0.66–$1.99) |
View all 20 services
Utilities
| Electricity (Monthly) |
$155 ($89–$277) |
| Natural Gas (Monthly) |
$77 ($33–$166) |
| Water/Sewer (Monthly) |
$77 ($44–$133) |
| Internet (Monthly) |
$77 ($44–$111) |
| Cell Phone Plan (Monthly) |
$72 ($33–$111) |
| Cable TV (Monthly) |
$94 ($55–$166) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$221 ($83–$554) |
| Car Insurance (Annual) |
$2,214 ($1,328–$3,875) |
| Bus Pass (Monthly) |
$77 ($33–$144) |
| Taxi/Uber (5-Mile Ride) |
$17 ($8.86–$28) |
| Car Registration (Annual) |
$111 ($33–$277) |
| Driver's License Renewal |
$33 ($17–$83) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,328 ($664–$2,768) |
| Daycare (Toddler, Monthly) |
$1,107 ($554–$2,214) |
| After-School Care (Monthly) |
$443 ($221–$775) |
| Tutoring (Per Hour) |
$55 ($28–$111) |
| SAT/ACT Prep Course |
$1,107 ($443–$2,768) |
| Private School (K-12, Annual) |
$13,838 ($5,535–$33,210) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$66 ($33–$111) |
| Dog Vaccination (Annual) |
$111 ($55–$221) |
| Dog Grooming |
$66 ($33–$111) |
| Pet Boarding (Per Night) |
$44 ($22–$83) |
| Dog Spay/Neuter |
$332 ($166–$554) |
| Cat Spay/Neuter |
$221 ($111–$443) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,204 |
| Toddler | $878 |
| Preschool | $727 |
| Family Childcare (monthly) |
| Infant | $1,038 |
| Toddler | $919 |
| Preschool | $869 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Philo
What is the population of Philo?
Philo has a population of 41 residents and is located in California. The population density is 20 people per square mile, spread across 2.0 square miles. The median age of residents is 76.4 years, which is older than the national median of 38.9 years. The population is 95.1% female and 4.9% male.
Is Philo expensive to live in?
Philo is slightly more expensive than average, with a cost of living index of 110.7 compared to the national baseline of 100. The median household income is $73,603, 2% below the national average of $75,149.
Is Philo safe?
Public safety is a concern in Philo, with a violent crime rate of 846 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 3,479 per 100,000 (above the national average). Overall, Philo receives a safety grade of F based on combined crime data.
What is the weather like in Philo?
Philo enjoys a temperate climate with an average annual temperature of 60°F (15°C). Winter temperatures average 48°F in January, while summers reach an average of 75°F in July. The area receives 302 sunny days per year, well above the national average of 205. Annual rainfall totals 34.8 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 48.
How is the job market in Philo?
The job market in Philo is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,037. There are 4,522 business establishments in the area, including 336 restaurants and food service locations.
How are the schools in Philo?
Schools in Philo have an average test score of 3.8 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 74.4% of adults in Philo hold a bachelor's degree or higher, above the national average of 33.7%. 100.0% have completed high school. 28.2% hold a graduate or professional degree.
How healthy is Philo?
The obesity rate in Philo is 29.8% (below the national rate of 32.1%). 10.7% of adults are smokers. 23.5% are physically inactive. 19.8% of residents report depression. 14.2% lack health insurance (above the national rate). 68.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,286.
What are the demographics of Philo?
The racial and ethnic makeup of Philo is 97.6% White, 2.4% Hispanic or Latino. 62.3% of residents speak only English at home, while 37.7% speak Spanish. 40.0% of the population are military veterans. 22.0% of residents have a disability. 86.0% have health insurance coverage.
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