61864 ZIP Code — Philo, IL

Champaign County, Illinois

ZIP code 61864 is located in Philo, Illinois, within Champaign County. It covers approximately 22.90 square miles and serves a population of 1,754 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 217.

About ZIP code 61864

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $194,200. Owner-occupancy is high at 89%, well above the national average.

Median household income is $90,000. The poverty rate of 7% is below the national average. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Overall, ZIP code 61864 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,754

population

22.90

sq mi land

Standard

ZIP type

Central (CT)

timezone

61864 ZIP code map

Cities in ZIP code 61864

Below are the cities the US Postal Service accepts for ZIP code 61864. Using any city not on this list may result in mail delivery delays.

City	Status
Philo	Preferred

Nearby ZIP codes

61877 Sidney (4 mi) 61880 Tolono (5.7 mi) 61852 Longview (6.8 mi) 61874 Savoy (7.1 mi) 61863 Pesotum (8.2 mi) 61956 Villa Grove (8.4 mi) 61816 Broadlands (8.9 mi) 61801 Urbana (9.8 mi) 61802 Urbana (9.9 mi) 61849 Homer (10 mi) 61820 Champaign (10.6 mi) 61872 Sadorus (11.2 mi)

Demographics updated 05/2026

Population
Total population	1,754
Population density	77 / sq mi
State FIPS	17
County FIPS	019

Geography
Land area	22.90 sq mi
Water area	0.02 sq mi
Latitude	39.9747
Longitude	-88.1565
Timezone	Central (CT)
Area code	217

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.2%	46.9%	37.2%
$50k – $100k	43.1%	27.3%	29.6%
$100k – $200k	25.2%	19.9%	24.4%
Over $200k	7.5%	5.9%	8.8%

Demographics & statistics

1,754

Population

People per sq mi

36.5

Median age

$90,000

Median household income

$33,274

Per capita income

$194,200

Median home value

$1,054

Median monthly rent

88.7%

Home ownership

6.8%

Poverty rate

0.8%

Unemployment

527

Housing units

32.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

101

25–34

125

35–44

115

128

45–54

118

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	470	26.8%
18 and over	1,284	73.2%
65 and over	280	16.0%
Median age	36.5 years

Race & ethnicity

White 98.7%

Two or more races 0.7%

Hispanic or Latino 0.6%

Group	Count	%
White	1,741	98.7%
Two or more races	13	0.7%
Hispanic or Latino	10	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.2%	46.9%	37.2%
$50k – $100k	43.1%	27.3%	29.6%
$100k – $200k	25.2%	19.9%	24.4%
Over $200k	7.5%	5.9%	8.8%

Under $10k 5.7%

$10k–$15k 0.5%

$15k–$25k 4.5%

$25k–$35k 4.3%

$35k–$50k 8.4%

$50k–$75k 15.9%

$75k–$100k 13.6%

$100k–$150k 29.4%

$150k–$200k 11.6%

$200k+ 5.9%

Range	% of households
Under $10k	5.7%
$10k–$15k	0.5%
$15k–$25k	4.5%
$25k–$35k	4.3%
$35k–$50k	8.4%
$50k–$75k	15.9%
$75k–$100k	13.6%
$100k–$150k	29.4%
$150k–$200k	11.6%
$200k+	5.9%
Median income	$90,000

Housing

Home values

Under $50k 2.4%

$50k–$100k 1.2%

$100k–$150k 15.6%

$150k–$200k 35.2%

$200k–$300k 23.6%

$300k–$500k 20.4%

$500k–$1M 1.2%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$194,200
Median rent / month	$1,054
Owner occupied	88.7%
Renter occupied	11.3%
Vacant	5.4%
Single-family detached	97.8%
Large apartment buildings	0.0%
Mobile homes	0.3%
Median rooms	6.4
Avg household size (owned)	3.13

Year built

Era	%
2020 or later	0.0%
2010–2019	1.9%
2000–2009	11.2%
1990–1999	19.3%
1980–1989	13.6%
1970–1979	8.0%
1960–1969	15.8%
1950–1959	7.1%
1940–1949	3.1%
1939 or earlier	20.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.0%
2 bedrooms	9.7%
3 bedrooms	61.0%
4 bedrooms	22.9%
5+ bedrooms	5.4%

Vehicles per household

Vehicles	% of households
No vehicle	0.5%
1 vehicle	22.8%
2 vehicles	38.9%
3 or more	37.8%

Heating fuel

Fuel type	%
Utility gas	69.2%
Electricity	22.0%
Propane / LP gas	5.7%

Households & families

Household type	Count	%
Married-couple family	379	67.9%
Cohabiting couple	58	10.4%
Male householder, no spouse	58	10.4%
Female householder, no spouse	63	11.3%
Households with children under 18	239	42.8%
Households with seniors (65+)	188	33.7%
Average household size	3.14

Marital status

Status	Male	Female
Never married	40.6%	26.4%
Married	50.7%	56.4%
Separated	1.2%	0.3%
Widowed	1.5%	9.9%
Divorced	6.1%	7.0%

Education

Less than 9th grade 2.2%

Some HS, no diploma 7.0%

HS graduate 29.9%

Some college, no degree 18.3%

Associate's degree 10.6%

Bachelor's degree 21.3%

Graduate / professional 10.7%

Metric	%
HS diploma or higher	90.8%
Bachelor's or higher	32.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	34	6.3%
Kindergarten	16	2.9%
Elementary school	181	33.3%
High school	178	32.8%
College / grad school	134	24.7%

Employment

Industry of employment

Education & healthcare 34.1%

Arts, food & hospitality 10.2%

Agriculture & mining 9.5%

Retail trade 9.4%

Construction 8.6%

Transportation & utilities 5.6%

Professional & management 4.9%

Finance & real estate 4.2%

Manufacturing 3.8%

Wholesale trade 3.0%

Other services 2.5%

Public administration 2.4%

Information 1.8%

Occupation

Category	%
Management, business & arts	40.5%
Service	12.6%
Sales & office	21.8%
Natural resources & construction	12.5%
Production & transportation	12.6%

Employment type

Type	%
Private sector	72.2%
Government	22.5%
Self-employed	5.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.6%
Carpool	3.9%
Public transit	0.0%
Walk	0.7%
Work from home	8.8%
Other means	0.0%
Avg commute (minutes)	18.7

Poverty

All people 6.8%

Under 18 years 8.7%

18 and over 6.1%

Married-couple families 0.8%

Female-led households 5.6%

Income support

Source	% of households
Social Security	30.6%
Retirement income	27.4%
Supplemental Security	7.9%
Cash public assistance	0.0%
Food stamps / SNAP	1.4%

Health indicators

Condition	%
Obesity	29.9%
High blood pressure	29.7%
High cholesterol	31.3%
Diabetes	8.7%
Heart disease	5.6%
Stroke	2.6%
Asthma	9.4%
Arthritis	25.3%
Kidney disease	2.5%
Pulmonary disease	6.1%
Cancer	6.6%

Behavior / access	%
Smoking	16.5%
Binge drinking	16.1%
No physical activity	19.5%
Less than 7 hrs sleep	31.0%
Depression	17.6%
Fair or poor health	11.4%
Poor mental health	12.5%
Poor physical health	8.8%
No health insurance	8.4%
Visited doctor (checkup)	77.0%
Visited dentist	71.1%
Cholesterol screening	90.5%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	61	4.8%

Disability	%
Any disability	14.1%
Under 18	3.2%
18–64 years	13.3%
65 and over	35.4%

Health insurance coverage

Type	%
Private insurance	86.4%
Public insurance	28.1%
No insurance	1.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,648	94.0%
Spanish	3	0.2%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,751	99.8%
Born in same state	1,744	99.4%
Born in different state	1,571	89.6%
Foreign born	7	0.4%
Naturalized citizen	3	0.2%
Not a US citizen	2	66.7%

Ancestry

Ancestry	Count	%
Italian	285	16.2%
French	183	10.4%
Arab	38	2.2%
Polish	24	1.4%

Ancestry	Count	%
English	11	0.6%
Dutch	7	0.4%
Norwegian	3	0.2%
Irish	2	0.1%

Technology access

Metric	% of households
Computer access	31.8%
Internet access	99.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 61864

What city is ZIP code 61864 in?

ZIP code 61864 is primarily assigned to Philo, Illinois.

What county is ZIP code 61864 in?

ZIP code 61864 falls within Champaign County, Illinois.

Is ZIP code 61864 mostly owner-occupied?

89% of occupied units in ZIP code 61864 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 61864?

The median home value in ZIP code 61864 is $194,200.

What is the population of ZIP code 61864?

ZIP code 61864 has an estimated population of 1,754 residents, with a density of 77 people per square mile.

What is the median household income in ZIP code 61864?

The median household income in ZIP code 61864 is $90,000, above the national median of ~$75,000.

What timezone is ZIP code 61864 in?

ZIP code 61864 observes the CST timezone.