What is the cost of living in Phillipsburg, NJ?
According to the most recent data on the cost of living, Phillipsburg has an overall cost of living index of 96, which is 1.0x lower than the national index of 100.
Compared to New Jersey, Phillipsburg has a cost of living index that's 0.8x lower than New Jersey's index of 125.
The standard of living in Phillipsburg ranks as #4 most affordable out of the 262 places we measured in New Jersey. By definition, that implies Phillipsburg ranks as the #258 most expensive place in the Garden State.
For more reading on life in Phillipsburg, check out:
Phillipsburg Cost Of Living Vs. New Jersey
Six factors go into calculating the cost of living index in Phillipsburg. Here is how it fares on each of the criteria:
The Services index in Phillipsburg is 102.
The Groceries index in Phillipsburg is 98.
The Health index in Phillipsburg is 87.
The Housing index in Phillipsburg is 99.
The Transportation index in Phillipsburg is 98.
The Utilities index in Phillipsburg is 99.
| Living Expense | Phillipsburg | New Jersey | National Average |
|---|---|---|---|
| Overall | 96 | 125 | 100 |
| Services | 102 | 107 | 100 |
| Groceries | 98 | 113 | 100 |
| Health | 87 | 155 | 100 |
| Housing | 99 | 116 | 100 |
| Transportation | 98 | 112 | 100 |
| Utilities | 99 | 113 | 100 |
Phillipsburg Cost Of Living Compared To New Jersey Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New Jersey, check out:
Protect your home budget Compare home warranties in Phillipsburg Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Phillipsburg, NJ Housing Cost Breakdown
Housing swings affordability the most between places in New Jersey, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Phillipsburg is $336,547.
The Median Rent in Phillipsburg is $1,167.
The Median Income in Phillipsburg is $68,324.
The Home Value To Income in Phillipsburg is 4.9x.
The Rent To Monthly Income in Phillipsburg is 0.2x.
| Statistic | Phillipsburg | New Jersey | United States |
|---|---|---|---|
| Median Home Value | $336,547 | $569,411 | $332,700 |
| Median Rent | $1,167 | $1,720 | $1,413 |
| Median Income | $68,324 | $103,556 | $80,734 |
| Home Value To Income | 4.9x | 5.5x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.2x | 0.21x |
Phillipsburg, NJ Costs By Category
Detailed Phillipsburg Services costs vs. New Jersey
| Item | Phillipsburg | New Jersey |
|---|---|---|
| Shampoo | $1.42 | $1.28 |
| Movie | $12.43 | $12.13 |
| Bowling | $19.33 | $18 |
| Haircut | $23.2 | $24.26 |
| Beauty Salon | $52.92 | $45.56 |
Detailed Phillipsburg Groceries costs vs. New Jersey
| Item | Phillipsburg | New Jersey |
|---|---|---|
| Ground Beef | $5.76 | $5.84 |
| Fried Chicken | $1.42 | $1.57 |
| Milk | $4.54 | $4.67 |
| Potatoes | $5.37 | $4.93 |
| Pizza | $11.57 | $12.09 |
| Beer | $11.46 | $10.41 |
| Toothpaste | $3.83 | $3.7 |
Detailed Phillipsburg Health costs vs. New Jersey
| Item | Phillipsburg | New Jersey |
|---|---|---|
| Optometrist | $125.11 | $125.68 |
| Doctor | $86.42 | $135.78 |
| Dentist | $137.77 | $113.29 |
Detailed Phillipsburg Transportation costs vs. New Jersey
| Item | Phillipsburg | New Jersey |
|---|---|---|
| Gasoline | $3.51 | $3.46 |
| Tire Balancing | $64.44 | $59.92 |
Detailed Phillipsburg Utilities costs vs. New Jersey
| Item | Phillipsburg | New Jersey |
|---|---|---|
| All Electricity | $210.1 | $193.99 |
| Phone | $195.81 | $192.25 |
Phillipsburg SnackAbility
Cost Of Living In Cities Around Phillipsburg
The cost of living varies in the cities and towns around Phillipsburg. Here's a quick look at the cost of living in the most populous nearby places:
Easton, PA has a cost of living index of 93, 1.0x Phillipsburg.
Fullerton, PA has a cost of living index of 102, 1.1x Phillipsburg.
Emmaus, PA has a cost of living index of 105, 1.1x Phillipsburg.
| City | Population | Cost Of Living | Vs. Phillipsburg |
|---|---|---|---|
| Easton, PA | 29,739 | 93 | 1.0x |
| Fullerton, PA | 16,724 | 102 | 1.1x |
| Emmaus, PA | 11,889 | 105 | 1.1x |
| Northampton, PA | 10,400 | 101 | 1.1x |
| Wilson, PA | 8,183 | 98 | 1.0x |
| Middletown, PA | 7,628 | 92 | 1.0x |
| Washington, NJ | 7,334 | 101 | 1.1x |
| Catasauqua, PA | 6,541 | 97 | 1.0x |
| Nazareth, PA | 6,043 | 98 | 1.0x |
| Bangor, PA | 5,163 | 97 | 1.0x |
