Phillipsburg, MO vs Urbana, MO

Urbana is moderately more affordable than Phillipsburg, with a 12.6% lower cost of living index. Phillipsburg scores 64 compared to 57 for Urbana, where the US average is 100. This difference means residents of Phillipsburg can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Phillipsburg is $798/month compared to $625/month in Urbana — a 28% difference. Home values follow the same pattern: Urbana is more affordable at $80,000 median vs $103,100.

Median household income in Phillipsburg is $35,750 compared to $36,563 in Urbana (-2.2%). Urbana offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Phillipsburg spend roughly 26.8% of their income on rent, more than the 20.5% in Urbana.