Median Income
$103,438
38% higher than US avg
Home Value
$198,100
30% lower than US avg
Violent Crime
202/100K
47% lower than US avg
Bachelor's+
28.4%
16% lower than US avg
Median Rent
$1,063
9% lower than US avg
Obesity Rate
31.1%
3% lower than US avg
Unemployment
0.8%
78% lower than US avg
Poverty Rate
2.4%
81% lower than US avg
How Philo Compares to the U.S. Average (100% = U.S. avg)
People
Population1,461
Median Age34.5 yrs
Density1,760/mi²
Male / Female49% / 51%
Largest GroupWhite 98%
Veterans6.7%
Economy
A+
Median Income$103,438
Per Capita$38,235
Unemployment0.8%
Poverty2.4%
County GDP$15,450M
Commute21 min
Housing
A+
Home Value$198,100
Rent$1,063
Ownership88.0%
Zillow$253,691
Housing Units482
Rent Burden17.3%
Crime
F
Violent202/100K
Property749/100K
Health
Obesity31.1%
Uninsured5.8%
Smoking11.8%
Depression24.3%
Heart Disease4.7%
Climate
Avg Temp53°F (11°C)
AQI43 (Good)
Rain37.0 in/yr
Sunny Days275/yr
Elevation740 ft (226 m)
Education
B
Bachelor's+28.4%
High School+94.3%
Graduate+10.3%
School Score5.31
Community
2024 VoteR 37% / D 61%
Commute21 min
Broadband98.6%
EV Stations2
Libraries11
Is Philo a Good Place to Live?
Based on current data, Philo receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. 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 $103,438, which is significantly higher than the national average / 38% above $75,149. This places Philo among higher-income communities. The job market is very strong with unemployment at just 0.8%. Only 2.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Philo is $198,100, 30% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,063 per month. At just 1.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Philo is below the national average at 202 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 749 per 100,000, 62% below the national average.
Education
28.4% of residents hold a bachelor's degree, below the national average of 33.7%. 94.3% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Philo experiences four distinct seasons with an average temperature of 53°F. Winters average 26°F in January while summers reach 75°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 37.0 inches. Air quality is rated Good with a median AQI of 43.
Philo has a population of 1,461 with a density of 1,760 people per square mile, spread across 0.3 square miles. The median age is 34.5 years, 11% younger than the national median of 38.9. The gender split is 51% female and 49% male. The city is predominantly White (98.2%). English is the primary language spoken at home by 99.2% of residents. 6.7% of the population are veterans. 11.4% of residents have a disability. 99.9% have health insurance coverage.
Population
34.5yrs
Median Age
11% below US avg
Language Spoken at Home
English Only
99.2%
26% above US avg
Spanish
0.8%
94% below US avg
The median household income in Philo is $103,438, which is 38% above the national average of $75,149. Per capita income is $38,235. The average weekly wage is $1,235, 14% lower than the U.S. average. The unemployment rate is 0.8% (below the 3.6% US average). 2.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 4,160 business establishments, including 590 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 4.4% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $103,438 |
| 38% above US avg |
| Per Capita Income | $38,235 |
| Avg Weekly Wage | $1,235 |
| IRS Avg AGI | $79,600 |
| Gini Index | 0.498 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.8% |
| 78% below US avg |
| Poverty Rate | 2.4% |
| 81% below US avg |
| Establishments (County) | 4,160 |
| County GDP | $15,450M |
Business (County)
| Restaurants | 590 |
| Healthcare | 419 |
| Retail | 576 |
| Manufacturing | 124 |
Tax & Cost of Living
| Property Tax (IRS) | $7,971 |
| 128% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 4.02% |
Commute & Transportation
| Commute Time | 21.1 min |
| Drive Alone | 90.1% |
| Public Transit | 0.0% |
| Work from Home | 4.4% |
The median home value in Philo is $198,100, 30% below the national median of $281,900. Zillow estimates the typical home value at $253,691, higher than the Census estimate. Homes sell for 109.2% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $1,063 (9% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 88.0% of housing units are owner-occupied (above the 65.4% national rate). There are 482 total housing units in the city. The median year a home was built is 1970. The average annual property tax is $7,971 (higher than the $3,500 national average). 17.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.9x, well within the affordable range.
Home Values
| Census Median | $198,100 |
| 30% below US avg |
| Zillow ZHVI | $253,691 |
| Median List Price | $315,000 |
Real Estate Market (Redfin)
| Median List Price | $315,000 |
| $/Sq Ft | $92 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 109.2% |
| Price Drops | 0.0% |
| Inventory | 6 |
Rental Costs
| Census Median Rent | $1,063 |
| 9% below US avg |
| Rent Burden | 17.3% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 88.0% |
| Owner-Occupied | 88.0% |
| Renter-Occupied | 12.0% |
| Housing Units | 482 |
| Median Year Built | 1970 |
Property Tax
| Avg Tax (IRS) | $7,971 |
| 128% above US avg |
| Effective Rate | 4.02% |
In Philo, 31.1% of adults are obese, below the national rate of 32.1%. 8.0% have diabetes (below the 10.5% national rate). Heart disease affects 4.7% of residents, below the national average. 27.5% have high blood pressure. 11.8% are current smokers. 22.1% report binge drinking. 17.0% are physically inactive, below the national average. 24.3% report depression (above the 20.0% national average). 16.9% experience frequent mental distress. 5.8% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:958. The dentist ratio is 1:1,497. 88.1% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Philo vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.1% |
| 3% below US avg |
| Diabetes | 8.0% |
| Heart Disease | 4.7% |
| High Blood Pressure | 27.5% |
| Asthma | 10.1% |
| COPD | 5.2% |
| Cancer | 7.6% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 11.8% |
| 16% below US avg |
| Binge Drinking | 22.1% |
| Physical Inactivity | 17.0% |
| Depression | 24.3% |
| Mental Distress | 16.9% |
| Physical Distress | 10.7% |
| Short Sleep | 31.1% |
Healthcare Access
| Insurance Rate | 99.9% |
| Uninsured | 5.8% |
| 33% below US avg |
| Primary Care | 1:958 |
| Dentists | 1:1,497 |
| Mental Health | 1:272 |
| Checkup Rate | 74.4% |
| Dental Visits | 70.8% |
| Premature Death | 7,180/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 88.1% |
| Healthcare Facilities | 419 |
Philo has a violent crime rate of 202 per 100,000 residents, 47% below the national average of 380. Property crime stands at 749 per 100,000, 62% below the U.S. average. The county recorded 19 fatal traffic crashes. Overall, Philo receives a safety grade of F.
Crime Rates: Philo vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 201.7/100K |
| 47% below US avg |
| |
Property Crime
| Total Property | 749.1/100K |
| 62% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 19 |
| Traffic Accidents | 2 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Philo experiences four distinct seasons with an average annual temperature of 53°F (11°C). Winters average 26°F in January while summers reach 75°F in July. The area gets 275 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 37.0 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 740 feet.
Temperature
26°F Jan (-3°C)
75°F Jul (24°C)
| Annual Average | 52.5°F |
| 3% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 740 ft (226 m) |
| Area | 0.3 sq mi (0.8 km²) |
| Population Density | 1,760/sq mi |
| Coordinates | 40.0033°N, 88.1564°W |
| Timezone | America/Chicago |
| County | Champaign County County |
| Nearest Airport | Vermilion Regional (DNV)
33 miles away |
Precipitation & Snow
Annual Rainfall
37.0"
3% below US avg
Wettest Month (Jul)
4.49"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0442 ppm |
| SO₂ (Sulfur Dioxide) | 0.56 ppb |
| CO (Carbon Monoxide) | 0.11 ppm |
| PM2.5 (Fine Particles) | 8.2 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 90.5 / 100 |
| Social Vulnerability | 30.9 / 100 |
| Community Resilience | 86.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively High |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
13 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.3 on May 13, 2025.
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
77 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
128 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
138 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
123 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
73 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
131 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
95 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
146 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
86 km |
| Sep 5, 2004 |
3 km WNW of Saint Peter, Illinois |
M2.9 |
139 km |
| Apr 24, 1990 |
5 km SW of Newton, Illinois |
M2.9 |
117 km |
| May 10, 2012 |
1 km NNW of Emison, Indiana |
M2.7 |
145 km |
| Mar 15, 2025 |
6 km W of Dwight, Illinois |
M2.6 |
124 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
660 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 18 fatalities, 474 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 5, 1977 |
EF4 |
97 km |
0 |
| Mar 20, 1976 |
EF4 |
59 km |
0 |
| Nov 17, 2013 |
EF3 |
26 km |
0 |
| Nov 17, 2013 |
EF3 |
23 km |
0 |
| Apr 19, 1996 |
EF3 |
90 km |
0 |
| Apr 19, 1996 |
EF3 |
11 km |
0 |
| Apr 19, 1996 |
EF3 |
22 km |
1 |
| Jun 2, 1980 |
EF3 |
93 km |
1 |
| Aug 21, 1977 |
EF3 |
77 km |
6 |
| Aug 10, 1974 |
EF3 |
50 km |
0 |
| Apr 3, 1974 |
EF3 |
7 km |
1 |
| Apr 3, 1974 |
EF3 |
65 km |
0 |
| Apr 3, 1974 |
EF3 |
89 km |
1 |
| Apr 3, 1974 |
EF3 |
10 km |
0 |
| Apr 3, 1974 |
EF3 |
70 km |
0 |
| May 15, 1968 |
EF3 |
79 km |
0 |
| Apr 29, 1963 |
EF3 |
87 km |
0 |
| Apr 22, 1963 |
EF3 |
51 km |
0 |
| Apr 22, 1963 |
EF3 |
25 km |
0 |
| Jul 21, 1961 |
EF3 |
62 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
1.9 in |
Coldest, Driest |
| February |
29°F (-2°C) |
1.9 in |
|
| March |
40°F (5°C) |
3.2 in |
|
| April |
51°F (11°C) |
3.8 in |
|
| May |
63°F (17°C) |
4.3 in |
|
| June |
72°F (22°C) |
4.0 in |
|
| July |
75°F (24°C) |
4.5 in |
Warmest, Wettest |
| August |
73°F (23°C) |
3.9 in |
|
| September |
66°F (19°C) |
3.2 in |
|
| October |
54°F (12°C) |
2.8 in |
|
| November |
42°F (5°C) |
3.3 in |
|
| December |
30°F (-1°C) |
2.8 in |
|
Philo has a seasonal temperature swing of 49°F / from 26°F in January to 75°F in July. Total annual precipitation is 39.7 inches, with July being the wettest month (4.5") and January the driest (1.9").
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) |
$250 ($150-$400) |
| Specialist Visit |
$350 ($200-$550) |
| Urgent Care Visit |
$200 ($100-$350) |
| Emergency Room Visit |
$2,200 ($800-$5,000) |
| Dental Cleaning |
$130 ($75-$200) |
| Dental Filling |
$250 ($150-$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25-$75) |
| Oil Change (Synthetic) |
$75 ($50-$120) |
| Brake Pad Replacement |
$300 ($150-$500) |
| Tire Rotation |
$40 ($20-$75) |
| New Tires (Set of 4) |
$600 ($400-$1,000) |
| Battery Replacement |
$200 ($100-$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60-$150) |
| Electrician (Per Hour) |
$90 ($50-$140) |
| HVAC Repair |
$400 ($150-$800) |
| HVAC System Install |
$7,000 ($4,000-$12,000) |
| Roof Repair |
$1,000 ($400-$2,000) |
| Roof Replacement |
$9,000 ($5,500-$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500-$3,500) |
| Divorce (Contested) |
$15,000 ($5,000-$30,000) |
| DUI Defense |
$5,000 ($2,000-$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800-$3,000) |
| Will Preparation |
$500 ($200-$1,000) |
| Trust Preparation |
$2,500 ($1,000-$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15-$45) |
| Women's Haircut |
$55 ($30-$100) |
| Hair Coloring (Full) |
$150 ($75-$250) |
| Manicure |
$25 ($15-$45) |
| Pedicure |
$40 ($25-$65) |
| Massage (1 Hour) |
$80 ($50-$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00-$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50-$5.00) |
| Loaf of Bread |
$3.80 ($2.50-$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00-$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00-$7.50) |
| Rice (per lb) |
$1.00 ($0.60-$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80-$250) |
| Natural Gas (Monthly) |
$70 ($30-$150) |
| Water/Sewer (Monthly) |
$70 ($40-$120) |
| Internet (Monthly) |
$70 ($40-$100) |
| Cell Phone Plan (Monthly) |
$65 ($30-$100) |
| Cable TV (Monthly) |
$85 ($50-$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75-$500) |
| Car Insurance (Annual) |
$2,000 ($1,200-$3,500) |
| Bus Pass (Monthly) |
$70 ($30-$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00-$25) |
| Car Registration (Annual) |
$100 ($30-$250) |
| Driver's License Renewal |
$30 ($15-$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600-$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500-$2,000) |
| After-School Care (Monthly) |
$400 ($200-$700) |
| Tutoring (Per Hour) |
$50 ($25-$100) |
| SAT/ACT Prep Course |
$1,000 ($400-$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000-$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30-$100) |
| Dog Vaccination (Annual) |
$100 ($50-$200) |
| Dog Grooming |
$60 ($30-$100) |
| Pet Boarding (Per Night) |
$40 ($20-$75) |
| Dog Spay/Neuter |
$300 ($150-$500) |
| Cat Spay/Neuter |
$200 ($100-$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,340 |
| Toddler | $1,191 |
| Preschool | $1,035 |
| Family Childcare (monthly) |
| Infant | $640 |
| Toddler | $683 |
| Preschool | $613 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Philo
What is the population of Philo?
Philo has a population of 1,461 residents and is located in Illinois. The population density is 1,760 people per square mile, spread across 0.3 square miles. The median age of residents is 34.5 years, which is younger than the national median of 38.9 years. The population is 51% female and 49% male.
Is Philo expensive to live in?
Philo has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $103,438, 38% above the national average of $75,149. The median home value is $198,100 (30% below the U.S. median). Renters pay a median of $1,063 per month. The home price-to-income ratio is 1.9x, indicating housing is reasonably affordable relative to local income levels.
Is Philo safe?
Philo is safer than the national average, with a violent crime rate of 202 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 749 per 100,000 (below the national average). Overall, Philo receives a safety grade of F based on combined crime data.
What is the weather like in Philo?
Philo has a four-season climate with an average annual temperature of 53°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 75°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 37.0 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Philo?
The job market in Philo is very strong, with unemployment at just 0.8% / well below the national rate of 3.6%. The average weekly wage is $1,235. There are 4,160 business establishments in the area, including 590 restaurants and food service locations. The average commute time is 21 minutes, and 4.4% of workers work from home.
How much does housing cost in Philo?
The median home value in Philo is $198,100. Zillow estimates the typical home value at $253,691. For renters, the median monthly rent is $1,063. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 88.0%. The average annual property tax is $7,971.
How are the schools in Philo?
Schools in Philo score 5.3 out of 10 on standardized testing, near the national average. 28.4% of adults in Philo hold a bachelor's degree or higher, below the national average of 33.7%. 94.3% have completed high school. 10.3% hold a graduate or professional degree.
How healthy is Philo?
The obesity rate in Philo is 31.1% (below the national rate of 32.1%). 11.8% of adults are smokers. 17.0% are physically inactive. 24.3% of residents report depression. 5.8% lack health insurance (below the national rate). 88.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:958.
What is transportation like in Philo?
The average commute in Philo is 21 minutes, shorter than the national average of 28 minutes. 90.1% of workers drive alone to work, and 4.4% work from home.
What are the demographics of Philo?
The racial and ethnic makeup of Philo is 98.2% White. 99.2% of residents speak only English at home. 6.7% of the population are military veterans. 11.4% of residents have a disability. 99.9% have health insurance coverage.
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