How much do homeowners pay a month in Phillipsburg Town, NJ?

Name: Homeowner costs in Phillipsburg Town, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Phillipsburg Town, NJ pay a median of $1,582 (±$115) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $707 (±$97).

61.6% of owned homes carry a mortgage.

In Phillipsburg Town, the median monthly cost with a mortgage went from $1,535 in 2015–2019 to $1,582 in 2020–2024 (+3.1%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $1,582 (±$115)
Without a mortgage: $707 (±$97)
Owned with a mortgage: 61.6%

Monthly owner costs in Phillipsburg Town

Median selected monthly owner costs, estimate (90% margin of error)
	Phillipsburg Town	Warren County	New Jersey	United States
With a mortgage	$1,582 (±$115)	$2,317 (±$45)	$2,829 (±$8)	$1,963
Without a mortgage	$707 (±$97)	$1,045 (±$24)	$1,232 (±$6)	$638
Owned homes with a mortgage	61.6% (±5.5 points)	66.1% (±1.8 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$5,140 (±$416)	$8,119 (±$159)	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Phillipsburg Town, the median cost with a mortgage is lower than in Warren County ($2,317).

It is also lower than in New Jersey ($2,829).

It is lower than the national figure ($1,963).

In Warren County, Phillipsburg Town ranks 22 of 22 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 551 of 560.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Phillipsburg Town have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,535 (±$83)	$1,582 (±$115)	+3.1%	Down after inflation
Median real estate taxes	$4,658 (±$246)	$5,140 (±$416)	+10.3%	Down after inflation
Median home value	$136,800 (±$9,507)	$193,200 (±$16,410)	+41.2%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Phillipsburg Town

Nearest places with a published estimate, compared with Phillipsburg Town
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Phillipsburg Town	—	$1,582 (±$115)	—
Upper Pohatcong	1.6 mi	$2,055 (±$277)	Higher
Lopatcong Township	2.0 mi	$2,140 (±$274)	Higher
Easton	2.1 mi	$1,539 (±$107)	Not measurably different
Morgan Hill	2.2 mi	$2,363 (±$240)	Higher
Greenwich	2.4 mi	$2,991 (±$242)	Higher
Alpha Borough	2.5 mi	$1,888 (±$95)	Higher
Chestnut Hill	2.6 mi	$2,425 (±$160)	Higher
West Easton	3.1 mi	$1,394 (±$44)	Lower

Nearby places with a measurably lower figure: West Easton, PA ($1,394).

Nearby places with a measurably higher figure: Upper Pohatcong, NJ ($2,055), Lopatcong Township, NJ ($2,140), Morgan Hill, PA ($2,363).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Warren County, place by place

Rank	Place	Median monthly cost with a mortgage
16	Harmony Township	$2,144 (±$232)
17	Lopatcong Township	$2,140 (±$274)
18	Pohatcong Township	$2,128 (±$347)
19	Washington Borough	$2,107 (±$203)
20	Belvidere Town	$2,046 (±$166)
21	Alpha Borough	$1,888 (±$95)
22	Phillipsburg Town	$1,582 (±$115)

Showing 7 of 22 places in Warren County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Phillipsburg Town

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Phillipsburg Town beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Phillipsburg Town, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Phillipsburg Town, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Phillipsburg Town

What is the average mortgage payment in Phillipsburg Town?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Phillipsburg Town, NJ is $1,582 (±$115) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Phillipsburg Town?

Owners without a mortgage in Phillipsburg Town pay a median of $707 (±$97) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Phillipsburg Town gone up?

In Phillipsburg Town, the median monthly cost with a mortgage went from $1,535 in 2015–2019 to $1,582 in 2020–2024 (+3.1%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Phillipsburg town, Warren County, New Jersey (county subdivision:58350, in state:34 county:041).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.