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California ZIP Codes
Mendocino County
Philo, CA
95466
95466 ZIP Code — Philo, CA
Mendocino County, California
ZIP code 95466 is located in
Philo ,
California ,
within Mendocino County .
It covers approximately 102.80 square miles and serves a population of
880 residents.
This is a standard ZIP code in the Pacific (PT) timezone,
served by area code 707 .
About ZIP code 95466
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $468,500. Owner-occupancy sits near the national average at 61%.
The gap between median ($48,393) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 35% of residents, above the national average. 42% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry. The average commute of 24 minutes is near the national average.
Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.
Overall, ZIP code 95466 reflects a community defined by economic challenges above the national average and a significant Social Security-dependent population.
95466 ZIP code map
View map of 95466
Cities in ZIP code 95466
Below are the cities the US Postal Service accepts for ZIP code 95466. Using any city not on this list may result in mail delivery delays.
City
Status
Philo
Preferred
Nearby ZIP codes
Demographics
updated 06/2026
Population
Total population
880
Population density
9 / sq mi
State FIPS
06
County FIPS
045
Geography
Land area
102.80 sq mi
Water area
0.04 sq mi
Latitude
39.0859
Longitude
-123.5484
Timezone
Pacific (PT)
Area code
707
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
62.8%
47.0%
32.6%
$50k – $100k
10.3%
29.4%
27.7%
$100k – $200k
14.8%
18.7%
26.4%
Over $200k
12.1%
4.9%
13.3%
Demographics & statistics
$48,393
Median household income
$468,500
Median home value
$1,325
Median monthly rent
34.5%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 115 13.1% 18 and over 765 86.9% 65 and over 227 25.8% Median age 40.4 years
Race & ethnicity
Black or African American
0.9%
American Indian / Alaska Native
0.6%
Group Count % White 795 83.7% Hispanic or Latino 70 7.4% Two or more races 70 7.4% Black or African American 9 0.9% American Indian / Alaska Native 6 0.6%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
62.8%
47.0%
32.6%
$50k – $100k
10.3%
29.4%
27.7%
$100k – $200k
14.8%
18.7%
26.4%
Over $200k
12.1%
4.9%
13.3%
Range % of households Under $10k 8.8% $10k–$15k 7.7% $15k–$25k 9.2% $25k–$35k 14.1% $35k–$50k 13.4% $50k–$75k 12.7% $75k–$100k 5.6% $100k–$150k 9.5% $150k–$200k 12.3% $200k+ 6.7% Median income $48,393
Housing
Housing overview
Metric Value Median home value $468,500 Median rent / month $1,325 Owner occupied 61.3% Renter occupied 38.7% Vacant 24.5% Single-family detached 75.8% Large apartment buildings 0.0% Mobile homes 21.3% Median rooms 4.7 Avg household size (owned) 2.70
Year built
Era % 2020 or later 3.2% 2010–2019 0.0% 2000–2009 1.9% 1990–1999 10.6% 1980–1989 17.6% 1970–1979 31.4% 1960–1969 0.0% 1950–1959 8.0% 1940–1949 1.9% 1939 or earlier 25.5%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 11.2% 2 bedrooms 52.1% 3 bedrooms 27.4% 4 bedrooms 3.2% 5+ bedrooms 6.1%
Vehicles per household
Vehicles % of households No vehicle 4.2% 1 vehicle 27.8% 2 vehicles 21.8% 3 or more 46.1%
Heating fuel
Fuel type % Propane / LP gas 38.7% Fuel oil 9.5% Wood 51.8%
Households & families
Household type Count % Married-couple family 142 50.0% Cohabiting couple 35 12.3% Male householder, no spouse 61 21.5% Female householder, no spouse 46 16.2% Households with children under 18 34 12.0% Households with seniors (65+) 159 56.0% Average household size 2.87
Marital status
Status Male Female Never married 27.6% 23.9% Married 63.7% 50.6% Separated 2.0% 3.1% Widowed 0.0% 1.1% Divorced 6.8% 21.4%
Education
Less than 9th grade
12.8%
Some college, no degree
10.7%
Graduate / professional
17.8%
Metric % HS diploma or higher 84.0% Bachelor's or higher 34.5%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 44 38.9% High school 44 38.9% College / grad school 25 22.1%
Employment
Industry of employment
Agriculture & mining
26.7%
Arts, food & hospitality
20.2%
Education & healthcare
12.4%
Professional & management
8.6%
Public administration
3.8%
Occupation
Category % Management, business & arts 30.5% Service 21.0% Sales & office 19.5% Natural resources & construction 29.0% Production & transportation 0.0%
Employment type
Type % Private sector 80.3% Government 8.8% Self-employed 10.9% Unpaid family workers 0.0%
Commute
Method % Drive alone 65.1% Carpool 17.9% Public transit 0.0% Walk 3.8% Work from home 13.2% Other means 0.0% Avg commute (minutes) 23.7
Poverty
Married-couple families
14.1%
Female-led households
100.0%
Income support
Source % of households Social Security 42.3% Retirement income 17.6% Supplemental Security 11.6% Cash public assistance 8.8% Food stamps / SNAP 16.2%
Health indicators
Condition % Obesity 33.4% High blood pressure 33.9% High cholesterol 33.6% Diabetes 12.6% Heart disease 7.9% Stroke 3.8% Asthma 10.5% Arthritis 27.5% Kidney disease 3.6% Pulmonary disease 9.3% Cancer 7.0%
Behavior / access % Smoking 15.7% Binge drinking 16.5% No physical activity 23.6% Less than 7 hrs sleep 31.4% Depression 18.9% Fair or poor health 19.7% Poor mental health 15.2% Poor physical health 13.6% No health insurance 14.8% Visited doctor (checkup) 67.8% Visited dentist 57.7% Cholesterol screening 91.4% Teeth loss 15.2%
Veterans & disability
Veterans Count % Civilian veterans 43 5.6%
Disability % Any disability 14.5% Under 18 0.0% 18–64 years 8.8% 65 and over 35.2%
Health insurance coverage
Type % Private insurance 48.0% Public insurance 53.5% No insurance 7.1% Uninsured under 19 17.7%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 854 97.0% Spanish 80 9.4% Other Indo-European 68 8.0% Asian & Pacific Islander 12 1.4% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 699 79.4% Born in same state 678 77.0% Born in different state 517 58.8% Foreign born 21 2.4% Naturalized citizen 181 20.6% Not a US citizen 27 14.9%
Ancestry
Ancestry Count % Italian 114 13% French 55 6.3% English 29 3.3%
Ancestry Count % Polish 12 1.4% German 5 0.6%
Technology access
Metric % of households Computer access 32.3% Internet access 94.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 95466
What city is ZIP code 95466 in?
ZIP code 95466 is primarily assigned to Philo, California.
What county is ZIP code 95466 in?
ZIP code 95466 falls within Mendocino County, California.
What is the poverty rate in ZIP code 95466?
35% of residents in ZIP code 95466 live below the poverty line, above the national average.
Does ZIP code 95466 have an older population?
26% of residents in ZIP code 95466 are 65 or older, above the national average of ~17%.
Does ZIP code 95466 have a large retiree population?
42% of households in ZIP code 95466 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 95466?
The median home value in ZIP code 95466 is $468,500.
What timezone is ZIP code 95466 in?
ZIP code 95466 observes the PST timezone.
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