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Phillipsburg town, NJ

ZIP 08865 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08865

Median Home Value
$244,200
Median Rent
$1,100
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,569/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 08865 in Phillipsburg town, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.3%+6% vs US avg
x
Vacancy Rate
4.9%-52% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
8.9%-30% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$244,200
Home Value
$1,100
Rent
1957
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.0%
  • 1-unit attached12.5%
  • 2-9 units13.8%
  • 10+ units8.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$244,200
Median rent$1,100
Owner-occupied69.3%
Vacant4.9%
Price-to-income3.1x
Est. income to buy$67,000