Cost of Living in Phillipsburg, NJ
Population 15,251 · New Jersey · Data vintage 2023
(100 = US avg)
Buyers in Phillipsburg can reasonably expect a home to cost less than three years of household income — $181,000 against $67,782 in typical earnings — a ratio that has collapsed to 5:1 or worse in much of the country. Unemployment has stayed elevated relative to the national figure — 7.7% as of the most recent ACS release — which shows up in household-income and poverty figures as well.
Located 15 miles east of Allentown, Phillipsburg falls within that metro's commuting orbit. Housing prices track closely with Allentown's $189,000 median.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Phillipsburg
The median home value in Phillipsburg is $180,700 — 41% below the national median of $305,000. Median rent runs $1,118/month, 15% lower than the national median of $1,314/month. The median household income of $67,782/year is 9% lower than the US median of $74,580. The local unemployment rate is 7.7%, above the national average of 4.8%. New Jersey's top state income tax rate is 10.8% and the combined sales tax is 6.6%. The climate averages highs of 63.3°F and lows of 42.8°F, with about 33.1" of annual snowfall. Overall, Phillipsburg has a cost of living index of 70 versus the US average of 100, meaning it is 30% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 38 | 42 | 51 | 63 | 74 | 82 | 86 | 84 | 77 | 66 | 54 | 43 |
| Low °F | 22 | 23 | 31 | 40 | 51 | 60 | 65 | 63 | 55 | 44 | 34 | 27 |
| Precip" | 3.30 | 2.77 | 3.63 | 3.67 | 3.65 | 4.40 | 5.30 | 4.56 | 4.84 | 4.14 | 3.24 | 3.86 |
| Snow" | 9.8 | 10.8 | 6.3 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.9 | 4.6 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Phillipsburg, NJ?
Phillipsburg has a cost index of 70 (100 = national average). It is 30% below the national average.
What is average rent in Phillipsburg, NJ?
The median gross rent in Phillipsburg is $1,118 per month based on 2023 Census data.
What is the average home price in Phillipsburg?
The median home value in Phillipsburg is $180,700 according to Zillow and Census data.
What is the median income in Phillipsburg?
The median household income in Phillipsburg is $67,782 per year (2023 ACS 5-year estimates).
What is the sales tax in Phillipsburg, NJ?
The combined state and local sales tax rate in Phillipsburg is 6.6%. The New Jersey state income tax top rate is 10.8%.
Is Phillipsburg, NJ affordable?
Yes, Phillipsburg is generally considered affordable, with a cost of living index of 70 — about 30% below the US national average of 100.
What is the weather like in Phillipsburg?
Phillipsburg has average high temperatures of 63.3°F and average lows of 42.8°F. Annual precipitation is 47.4". Average annual snowfall is 33.1". Data from NOAA 1991–2020 Climate Normals.
Phillipsburg at a Glance
- Population
- 15,251
- Median Income
- $67,782
- Home Value
- $180,700
- Median Rent
- $1,118/mo
- Unemployment
- 7.7%
- Avg High Temp
- 63.3°F
- Sales Tax
- 6.6%
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New Jersey Rankings
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