Philo, California.
. Ukiah, CA metro.
to buy the typical home at today's mortgage rate — +$1,997 (+100%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- California$3,997
- United States$1,922
Living in Philo, Mendocino County, California
Philo, in Mendocino County, had 319 people in the 2020 census. Unemployment in Mendocino County was 5.6% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most people in Mendocino County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Philo is a very small community in Mendocino County, in the Anderson Valley, with far fewer residents than most towns. Winters are cool and wet, with the coldest weather in December, while summer afternoons can turn quite hot, especially in July. Rain and melted snow add up to a fair amount over the year.
Work. Most residents work in schools, hospitals and social care, in shops, in restaurants and hotels, or in professional and business services. Across Mendocino County, jobs have slipped slightly from the year before, and unemployment has eased a little over the past year. Among the county's largest workplaces are Ukiah Unified, Adventist Health Ukiah Valley and Mendocino College.
Things to do. Hendy Woods State Park, a protected area, and the Navarro River both lie in or beside town. A longer drive away are Navarro River Redwoods State Park and Bowling Ball Beach, a beach on the coast.
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What people in Mendocino County work in
Employed residents by industry, from the Census survey. Mendocino County had 31,998 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 57° and lows near 36°; warmest in July, with highs near 94° and lows near 56°. About 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ukiah Municipal Airport weather station, 14 miles away (NOAA).
Largest workplaces in Mendocino County
- Ukiah UnifiedSchool district680FTE
- Adventist Health Ukiah ValleyGeneral hospital567FTE
- CAL FireCal fire466
- Mendocino CollegeTwo-year college422
- Ahhm-one Marcela DR DeptsGeneral medical and surgical hospitals315
- Fort Bragg UnifiedSchool district245FTE
- Adventist Health Mendocino CoastCritical access hospital230FTE
- Howard Memorial HospitaCritical access hospital229FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 65 workplaces with 20 or more staff, 5,318 people in all across the county; Philo has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingVery high
- LandslidesRelatively high
- WildfireRelatively high
- DroughtRelatively high
- EarthquakesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Philo’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Mendocino County and the Ukiah, CA metro.
Philo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Philo12
Zip codes with a Philo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Philo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.