The median home in Phillipsburg, New Jersey is valued at $330,118, up 1.4% year over year. Typical monthly rent is $1,933, producing a price-to-rent ratio of 14.2x — below the national average of 18x. Phillipsburg is part of the Allentown-Bethlehem-Easton, PA-NJ metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$330,118

+1.4%

Rent$1,933/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$66,024 on $330,118

Example: $75,000 household income. Change it above to see your own.

Out of reach39.4% of income

Need $105,643/yr to afford.

PITI$2,465

P/I39.4%

Afford$234K

Gap-$96K

P&I $1,669Tax $679Ins $117

Renting $532/mo cheaper ($1,933 rent)6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New Jersey

Compare Phillipsburg with other housing markets across New Jersey.

Deal$4.21M Alpine$2.96M Loch Arbour$2.88M Avalon$2.63M Stone Harbor$2.48M Bay Head$2.36M Sea Girt$2.3M Short Hills$2.26M

Full Allentown-Bethlehem-Easton, PA-NJ analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Allentown-Bethlehem-Easton, PA-NJ metro.

View Allentown-Bethlehem-Easton, PA-NJ metro

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Phillipsburg, NJ