ZIP Code 08865 — Phillipsburg town, NJ Demographics & Data

ZIP code 08865 covers Phillipsburg, NJ in Warren County with a population of about 31,078.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area code 908; U.S. House district NJ-7; the NEW YORK media market.

Median household income in ZIP 08865 is about $78,519 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 6.3%; 29.3% of adults with a bachelor’s degree or higher (about 4.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 7.6% of workers reporting work-from-home (about 7.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $244,200 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,100 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 69.3% (about 3.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08865 in Phillipsburg, NJ, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,569. That sits below the local median household income ($78,519), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Phillipsburg town, NJ as Relatively Low (composite score 80.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.5) and hurricane (79.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Phillipsburg town, NJ show little to no average snow and around 51.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,000 for ZIP 08865 (Phillipsburg town, NJ) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.