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.

See the full metro analysis: Allentown-Bethlehem-Easton, PA-NJ stress score, crash risk, and 12-month forecast →

Home Value$330,118

+1.4%

Rent$1,933/mo

AFFORDABILITY

Enter your income for Phillipsburg.

Income (annual)

Down Payment

$66,024 on $330,118

Out of reach — 39.4% 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$4213K Alpine$2955K Loch Arbour$2880K Avalon$2630K Stone Harbor$2477K Bay Head$2362K Sea Girt$2305K Short Hills$2258K

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 →

PHILLIPSBURG, NJ