Phillipsburg, NJ vs Union Beach, NJ

The cost of living difference between Phillipsburg, NJ and Union Beach, NJ is dramatic. Phillipsburg is 38.7% cheaper than Union Beach, a gap that translates to thousands of dollars per year in household expenses. Phillipsburg has a cost index of 83 while Union Beach sits at 136, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Phillipsburg is $1,118/month compared to $1,957/month in Union Beach — a 43% difference. Home values follow the same pattern: Phillipsburg is more affordable at $180,700 median vs $452,900.

Median household income in Phillipsburg is $67,782 compared to $128,400 in Union Beach (-47.2%). While Union Beach is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Phillipsburg spend roughly 19.8% of their income on rent, more than the 18.3% in Union Beach.