Philo, CA 95466 housing market
Data through Sep 2026 · Balanced market · leverage 83
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Buyer Leverage Score
83
Sep 2026
Months of Supply
17.6 months
Aug 2026
Days on Market
137 days
Sep 2026
Price Cut %
13%
Sep 2026
Sale-to-List Ratio
100.9%
Aug 2026
Expected Disaster Loss
$341
Dec 2025
What this means
- Supply. There are 77% more homes for sale than the 2017-19 norm and falling (−24% vs. a year ago), so buyers have more to choose from than before the pandemic.
- Negotiating. Buyer leverage is high (83/100; U.S.: 54): homes typically sell at or above asking (100.9% of list); 13% of listings had a price cut (U.S.: 26%).
- Disaster risk. FEMA expects about $341 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
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Other ZIP codes in Mendocino County, CA
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Ukiah, CA 95482 | $481.1K | −1.7% | 90 |
| Fort Bragg, CA 95437 | $567.5K | +2.1% | 81 |
| Willits, CA 95490 | $348.6K | −5.9% | 91 |
| Redwood Valley, CA 95470 | $548.5K | −0.3% | 100 |
| Gualala, CA 95445 | $619.1K | −2.9% | 85 |
| Covelo, CA 95428 | $263.9K | −4.2% | 94 |
| Mendocino, CA 95460 | $957.2K | +3.7% | 49 |
| Point Arena, CA 95468 | – | – | 60 |
| Hopland, CA 95449 | $546.8K | +0.3% | 85 |
| Laytonville, CA 95454 | $301K | −9.5% | 100 |
| Upper Lake, CA 95469 | $423.1K | −1.1% | 99 |
| Boonville, CA 95415 | – | – | 50 |
| Little River, CA 95456 | $770.8K | +2.6% | 69 |
| Albion, CA 95410 | $590.5K | −10.3% | 52 |
| Manchester, CA 95459 | $635.6K | −1.0% | 99 |
| Elk, CA 95432 | – | – | 47 |
| Comptche, CA 95427 | – | – | 57 |
| Leggett, CA 95585 | – | – | 43 |
| Caspar, CA 95420 | – | – | 21 |
| Westport, CA 95488 | – | – | 77 |
| Branscomb, CA 95417 | – | – | 47 |
| Yorkville, CA 95494 | – | – | 55 |
| Dos Rios, CA 95429 | – | – | 70 |
| Navarro, CA 95463 | – | – | 1 |
| Piercy, CA 95587 | – | – | 70 |