What it's like to live in Phillipsburg
Phillipsburg is a small city in New Jersey with rent below the national average, home prices that remain within reach, and schools with smaller class sizes than the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Phillipsburg deals with household incomes below the national average, a poverty rate above the national average, cold winters, and snowy winters.
The good
- Rent below the national average
- Affordable home prices
- Low student-teacher ratio
The not so good
- Below-average household incomes
- High poverty rate
- Cold winters
- Snowy winters — 41" per year
- Above-average rainfall
- Smaller place — fewer dining and entertainment options
How Phillipsburg compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Phillipsburg
Based on Phillipsburg's median rent, home value and household income
To rent
$2,334
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $46,680 a year
- 47% of Phillipsburg renters spend 30% or more of their income on rent
To buy
$38,640
a 20% down payment on the median home
- With 10% down: $19,320
- Homes cost 2.8× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 17% below US
$1,167/mo median rent
Cost of living works in this city's favor. Median rent sits around $1,167 a month, nothing that raises eyebrows. Solid value overall. Home prices here are genuinely accessible, with a median around $193,200. That kind of affordability is rare in today's market.
Median home value $193,200 · 47% of renters cost-burdened
Job market
5.0% county unemployment
Unemployment in Warren County is 5.0%, somewhat above the national average of 4.3%. Lining up work before the move is the safer route. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Warren County (county-wide)
Safety▼ 11% below US
292 violent crimes per 100k
Crime runs about typical for a city this size. Some neighborhoods are safer than others, and one overall rate doesn't tell the whole story, so a neighborhood-level look matters more than the headline stat.
Property crime 1431/100k · Phillipsburg Police Department · 2025 data
Getting aroundNear US average
26 min average commute
Commutes run about average, at 26 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 9 in 10 workers drive to work.
How workers get to work
Climate
Summers are warm, with highs around 83°F, and winters are cold, with lows around 23°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits, rated 5.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 32% below US
25% bachelor's degree or higher
College degree attainment runs below average at 25%. That tends to reflect a more trade and working-class economy, which can be great or limiting depending on the industry.
Schools
4 public schools inside the boundary
There are 4 public schools inside the boundary and 1 private school. The student-to-teacher ratio is 10:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Lower Delaware National Wild and Scenic River (23 miles away). There are 8 national parks and sites within a day's drive.
Bottom line
Phillipsburg's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are household incomes below the national average and a poverty rate above the national average. A year of median rent ($1,167/mo) equals 20% of the median household income here, about the same as the 21% typical nationwide. It tends to suit people watching their budget.
Other places near Phillipsburg
All New Jersey guides →Moving to Hackettstown →
22 mi away · pop. 10,140
Rent $1,469/mo · Income $93,083
Compare with Phillipsburg →Moving to Budd Lake →
27 mi away · pop. 10,650
Rent $1,402/mo · Income $114,154
Compare with Phillipsburg →Moving to Bradley Gardens →
29 mi away · pop. 14,165
Rent $2,670/mo · Income $177,849
Compare with Phillipsburg →Moving to Hillsborough →
29 mi away · pop. 22,585
Rent $1,986/mo · Income $144,112
Compare with Phillipsburg →Not sure Phillipsburg is the one?
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