What are the schools like in Philo, IL?

Philo is served primarily by Tolono CUSD 7. The district operates 2 elementary schools, 1 middle schools, and 1 high schools with a student-to-teacher ratio of 13.2:1.

What is the median household income in Philo?

The median household income in Philo, IL is $103,621 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 0.9%.

What is the weather like in Philo, IL?

Philo has an average high temperature of 34.1°F in January and 85.0°F in July. Annual precipitation averages 39.5 inches and annual snowfall averages 20.6 inches.

Philo, IL Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Philo, IL affordable or expensive?

Philo's cost of living index is 91, where 100 represents the national average. This means Philo is 9% less expensive than the average US city. The median home value is $181,900 and the median rent is $1,054 per month.

Q: What is the crime rate in Philo, IL?

Philo has a violent crime rate of 355.8 incidents per 100,000 residents and a property crime rate of 1544.2 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Philo, IL a Good Place to Live?

Philo is a small town of 1,389 in Illinois, with a median household income of $103,621 and a 0.9% unemployment rate. Its cost of living index is 91 (US average = 100), which is 9% below the national average.

Strengths: Philo stands out for an affordable cost of living, below-average home prices, solid school ratings (B), short average commutes.

Trade-offs: No major red flags stand out in the available data. Whether Philo is right for you depends on your priorities — the full breakdown is below.

All Philo city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 90.8

Philo's overall cost of living index is 90.8, where 100 represents the US national average. Living in Philo costs roughly 9% less than the average American city.

Metric	Philo, IL	National Avg
Median Home Value	$181,900	$244,900
Median Monthly Rent	$1,054	$1,163
Homeownership Rate	87.8%	65.9%
Median Household Income	$103,621	$74,755

Crime & Safety

Safer than Average

Philo's violent crime rate is 355.8 per 100,000 residents — 6% lower than the national average of ~380 per 100,000.

Violent Crime

355.8 /100k

Property Crime

1544.2 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Philo is served primarily by Tolono CUSD 7. The student-to-teacher ratio is 13.2:1 (better than the national average of ~16:1).

Metric	Philo, IL	National Avg
School District	Tolono CUSD 7	—
Elementary Schools	2	—
Middle Schools	1	—
High Schools	1	—
Student/Teacher Ratio	13.2:1	16:1
Bachelor's Degree or Higher	29.3%	35.4%
High School Diploma or Higher	93.9%	91.1%

Weather & Climate

Philo sees average highs of 34.1°F in January and 85.0°F in July, with 39.5 inches of annual precipitation and 20.6 inches of snow per year.

Metric	Philo, IL
Average High — January	34.1°F
Average High — July	85.0°F
Annual Precipitation	39.5"
Annual Snowfall	20.6"

Demographics

Metric	Philo, IL	National Avg
Population	1,389	—
Median Age	36.0	38.9
Unemployment Rate	0.9%	3.7%
Avg Commute Time	18.9 min	26 min
White (non-Hispanic)	99.1%	59.3%
Black or African American	0.0%	13.6%
Hispanic or Latino	0.7%	18.9%
Asian	0.0%	6.3%
Under 18	27.8%	22.2%
65 and over	15.6%	16.8%

Nearby Cities

Sidney, IL 5 mi Tolono, IL 6 mi Savoy, IL 7 mi Urbana, IL 8 mi Pesotum, IL 9 mi

ZIP Codes in Philo

Philo, IL is covered by 1 ZIP code:

61864

Philo vs Other Cities

Philo, IL vs Sidney, IL Philo, IL vs Tolono, IL Philo, IL vs Savoy, IL Philo, IL vs Urbana, IL Philo, IL vs Pesotum, IL

Frequently Asked Questions

Is Philo, IL affordable or expensive?

Philo's cost of living index is 91, where 100 is the national average. That makes Philo roughly 9% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $181,900 and median rent is $1,054/month.

What is the crime rate in Philo, IL?

Philo's violent crime rate is 355.8 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1544.2 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Philo?

Public schools in Philo are operated by Tolono CUSD 7. The district has 2 elementary, 1 middle, and 1 high schools. The student-to-teacher ratio is 13.2:1. 29.3% of adults 25+ hold a bachelor's degree or higher.

Is Philo, IL a good place to live?

Philo, IL has a population of 1,389, a median household income of $103,621, and an unemployment rate of 0.9%. It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Philo?

Philo averages 34.1°F in January and 85.0°F in July. Annual rainfall is 39.5 inches with about 20.6 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Philo?

Philo, IL is covered by 1 ZIP code: 61864.

What is the population of Philo?

The population of Philo, Illinois is 1,389 with a median age of 36.0. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Philo?

Key numbers for living in Philo: cost of living index 91 (100 = US average), median home $181,900, median household income $103,621, crime index 86 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Philo side by side with your current city to see the trade-offs.