Cost of Living in Phillipsburg, NJ
Overall index: 76 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 52 | -48% | $783 |
| Transportation | 108 | +8% | $3.50 |
| Food | 91 | -9% | $373 |
| Utilities | 76 | -24% | $94 |
| Healthcare | 76 | -24% | $68 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Phillipsburg?
A single adult living comfortably in Phillipsburg, NJ needs approximately $26,600 / year after taxes.
Already earning a salary somewhere else? Compare it directly:
Frequently Asked Questions
What is the cost of living in Phillipsburg, NJ?
The overall cost of living in Phillipsburg, NJ is 24% lower than the US national average (index: 76 where 100 = national average).
How much is rent in Phillipsburg, NJ?
Average rent for a 1-bedroom apartment in Phillipsburg, NJ is about $783/month.
Is Phillipsburg, NJ expensive to live in?
No, Phillipsburg, NJ is affordable (below national average).
What salary do I need to live in Phillipsburg, NJ?
A single adult needs roughly $26,600/year to cover basic living costs in Phillipsburg, NJ.