ZIP Code 95466 — Philo, California

The median home in 95466 is valued at $468,500 against a median household income of $48,393, a price-to-income ratio of 9.7. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Mendocino County, 95466 ranks 17 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.7. Renting takes 32.9% of median household income (median rent $1,325 a month), above the 30% cost-burden threshold.

95466 ranks 1,436 of 1,558 statewide on median household income and 992 of 1,558 on median home value; its income is below the $61,576 Mendocino County median. 61% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 35% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 35.0%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 4.2%.

With 9 residents per square mile across 102.8 square miles of land, 95466 is far less dense than the statewide ZIP median of 1,120 (rank 1,434 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.