Median home value in zip code 08865 (Phillipsburg, NJ) is $331,947, up 1.7% year over year. Part of the Allentown-Bethlehem-Easton, PA-NJ metropolitan area.

Home Value$331,947

YoY Change

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 08865 (Phillipsburg).

Income (annual)

Down Payment

$66,389 on $331,947

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

Out of reach39.6% of income

Need $106,200/yr to afford.

PITI$2,478

P/I39.6%

Afford$234K

Gap-$98K

P&I $1,679Tax $683Ins $117

6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

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

Metro Analysis

08865 is part of the Allentown-Bethlehem-Easton, PA-NJ metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Allentown-Bethlehem-Easton, PA-NJ analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.