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 Moderate-density area
- $110,139
- Median income Above-median income area
- $230,000
- Median home value Near-median home value
- 25.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Illinois ZIP), while per-capita income is $36,295. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.6% and unemployment is 0.7%. Housing is both higher-cost and owner-heavy: median home value is $230,000 (20% above the average Illinois ZIP), while 90.8% of occupied homes are owner-occupied and median rent is $1,222.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Champaign County, so 61864 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
4 establishments
- Finance and insurance
Finance and insurance
4 establishments
- Construction
Construction
3 establishments
- Transportation and warehousing
Transportation and warehousing
3 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
3 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, 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
Who lives in ZIP 61864?
35.8
Median Age
48.7%
Male
51.3%
Female
1.2%
Foreign-Born
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 ZIP avg
$36,295
Per Capita Income
7.6%
Poverty Rate
0.7%
Unemployment Rate
22.9 min
Mean Commute Time
How ZIP 61864 ranks among Illinois ZIPs
Philo, IL household income vs. every Illinois ZIP code
Median household income among 1,334 reporting Illinois ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$110,139 Top 12% higher than 88% of 1,334 Illinois ZIPs
Each bar is a $20K-wide band; taller bars hold more Illinois 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
680housing units
680
Total Housing Units
653
Occupied Units
27
Vacant Units
3.07
Avg Household Size
Occupancy Type
$230,000
Median Home Value
+20% vs state ZIP avg
$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.
- 61820
Champaign (61820)
36,964 residents
- 61801
Urbana (61801)
30,937 residents
- 61802
Urbana (61802)
19,052 residents
- 61874 7,114
Savoy (61874)
7,114 residents
- 61880 4,183
Tolono (61880)
4,183 residents
- 61956 2,909
Villa Grove (61956)
2,909 residents
- 61864 1,715
Philo (61864)
1,715 residents
- 61877 1,627
Sidney (61877)
1,627 residents
- 61863 814
Pesotum (61863)
814 residents
What this shows Among its immediate neighbors, ZIP 61864 ranks #7 by population - useful context the national average alone can't give.
ZIP 61864 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 61864
Philo (61864)
$110,139 median income
- 61877
Sidney (61877)
$96,750 median income
- 61874
Savoy (61874)
$91,667 median income
- 61880
Tolono (61880)
$85,536 median income
- 61863
Pesotum (61863)
$78,125 median income
- 61956
Villa Grove (61956)
$75,125 median income
- 61816
Broadlands (61816)
$70,833 median income
- 61802
Urbana (61802)
$61,620 median income
- 61801 $36,180
Urbana (61801)
$36,180 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 61864, both outside IL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (1,715 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Champaign County
Related Areas
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.
Related
Take this with you
What to do with ZIP 61864's numbers, next.
- See how ZIP 61864 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Philo, IL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.