PlainZIP

Philo, IL · standard

ZIP Code 61864

Champaign County, Illinois - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,715
29/sq mi
$110,139
Median income
$230,000
Median home value
25.8%
Bachelor's or higher

The verdict

Philo pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 13%
household income, US ZIPs
Top 48%
home value, US ZIPs
29
people per sq mi
91%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 61864 against every reporting US ZIP.

ZIP code 61864 covers 58.9 square miles in Philo, Champaign County, Illinois (a standard USPS delivery area), with a modest 1,715 residents on file, a density of 29 people per square mile, in the Chicago time zone.

ZIP 61864 skews affluent, with a median household income of $110,139 (38% above the Illinois average), while per-capita income is $36,295. Poverty here runs at 7.6%, with unemployment measured at 0.7%. On housing, the median home value is $230,000 (20% above the state average) with median rent at $1,222 per month, and 90.8% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 25.8% of adults hold a bachelor's degree or higher, the median age is 35.8, and the average commute is 23 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 61864, plus 6 more within Champaign County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 61864

Top 5 sectors by establishment count in Philo, IL

Which industries have the most business establishments in ZIP 61864.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 61864, Philo, IL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

1,715

Population

58.9

Area (sq mi)

29

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 61864?

35.8

Median Age

48.7%

Male

51.3%

Female

1.2%

Foreign-Born

White 98.5%
African American 0.0%
Asian 0.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.4%
Hispanic or Latino 0.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$110,139

Median Household Income

+38% vs state

$36,295

Per Capita Income

7.6%

Poverty Rate

0.7%

Unemployment Rate

22.9 min

Mean Commute Time

How ZIP 61864 ranks nationally

Philo, IL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$110,139 Top 13% higher than 87% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 50.3%
Bachelor's Degree or Higher 25.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

680

Total Housing Units

653

Occupied Units

27

Vacant Units

3.07

Avg Household Size

Occupancy Type

Owner 90.8%
Renter 9.2%

$230,000

Median Home Value

+20% vs state

$1,222

Median Rent

1964

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+17.0%

YoY Change (2023)

218

HPI Index (2000 = 100)

+118%

Total Change Since 2000

Home values in ZIP 61864 have increased 17.0% over the past year (2023). Since 2000, this ZIP has seen +118% cumulative appreciation.

Year Annual Change HPI Index
2019 +6.5% 161
2020 +6.5% 171
2021 +6.5% 182
2022 +2.4% 187
2023 +17.0% 218

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2023. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 31 business establishments in ZIP 61864, employing approximately 233 people with a combined annual payroll of $11,501,000.

31

Businesses

233

Employees

$11.5M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Retail trade 4 12.9%
Finance and insurance 4 12.9%
Construction 3 9.7%
Transportation and warehousing 3 9.7%
Professional, scientific, and technical services 3 9.7%
Health care and social assistance 3 9.7%
Accommodation and food services 3 9.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 61864 vs 61877 →

ZIP 61864 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 61864 ranks #7 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 61864 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 61864 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
61877 Sidney, IL 1,627 3.7 mi
61880 Tolono, IL 4,183 5.3 mi
61956 Villa Grove, IL 2,909 8.9 mi
61852 Longview, IL 261 6.5 mi
61802 Urbana, IL 19,052 10.1 mi
61874 Savoy, IL 7,114 7.6 mi
61801 Urbana, IL 30,937 9.6 mi
61816 Broadlands, IL 509 8.6 mi
61863 Pesotum, IL 814 8.7 mi
61820 Champaign, IL 36,964 10.3 mi

More ZIP Codes in Champaign County

61820 standard
Champaign, IL
Pop: 36,964
61801 standard
Urbana, IL
Pop: 30,937
61821 standard
Champaign, IL
Pop: 30,174
61822 standard
Champaign, IL
Pop: 21,608
61802 standard
Urbana, IL
Pop: 19,052
61866 standard
Rantoul, IL
Pop: 14,048

Related Areas

Champaign County Philo, IL Illinois

Frequently Asked Questions

What county is ZIP code 61864 in? ▼
ZIP code 61864 (Philo) is located in Champaign County, Illinois. Champaign County contains multiple ZIP codes, see the full list at /counties/champaign-il.
What is the population of ZIP code 61864? ▼
ZIP code 61864 in Philo, IL has a population of 1,715 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 61864? ▼
The median household income in ZIP 61864 is $110,139, which is 44% above the national average of $76,288.
What is the average home value in ZIP 61864? ▼
The median home value in ZIP 61864 is $230,000, which is 17% below the national average of $278,155.
What is the demographic makeup of ZIP 61864? ▼
The largest racial group in ZIP 61864 is White at 98.5%. Hispanic or Latino residents make up 0.4% of the population.
How many businesses are in ZIP code 61864? ▼
ZIP code 61864 has 31 business establishments employing approximately 233 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 61864? ▼
The top industries by establishment count in ZIP 61864 are: Retail trade (4), Finance and insurance (4), Construction (3). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 61864? ▼
According to the FHFA House Price Index, home values in ZIP 61864 increased by 17.0% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 118%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 61864? ▼
In ZIP code 61864, 50.3% of residents aged 25+ have a high school diploma or higher, and 25.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 61864? ▼
The mean commute time for workers in ZIP code 61864 is 22.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 61864? ▼
In ZIP code 61864, approximately 90.8% of occupied housing units are owner-occupied and 9.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 61864? ▼
The poverty rate in ZIP code 61864 is 7.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.