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

Phillipsburg$68,324
New Jersey avg$103,556
US$80,734

Median rent (per month)

Phillipsburg$1,167
New Jersey avg$1,720
US$1,413

Median home value

Phillipsburg$193,200
New Jersey avg$454,400
US$332,700

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

Drive alone
78%
Carpool
8.3%
Work from home
4.5%
Other
3.8%
Walk
3.1%
Public transit
2.3%

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

High °FLow °FPrecip (in)
10°30°50°70°90°6"Jan: 3.67" precipitationFeb: 2.97" precipitationMar: 3.65" precipitationApr: 3.94" precipitationMay: 4.27" precipitationJun: 4.82" precipitationJul: 5.57" precipitationAug: 5.18" precipitationSep: 4.72" precipitationOct: 4.48" precipitationNov: 3.37" precipitationDec: 4.37" precipitation22°JJan: high 38°F, low 22°FFFeb: high 40°F, low 22°FMMar: high 49°F, low 29°FAApr: high 62°F, low 39°FMMay: high 72°F, low 49°FJJun: high 81°F, low 59°F86°JJul: high 86°F, low 64°FAAug: high 83°F, low 62°FSSep: high 77°F, low 55°FOOct: high 65°F, low 44°FNNov: high 53°F, low 33°FDDec: high 43°F, low 26°F

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.

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