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ZIP Code · NJ

ZIP 08865

Pop. 31,427·Warren County·181st most expensive ZIP in New Jersey
Median rent (all units)
$2,000/mo
Year-over-Year
+14.0%
Month-over-Month
+0.6%
vs US Median
+$35
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 08865 · $2,000
More expensive than 60% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,450
1 BR
$1,460
2 BR
$1,810
3 BR
$2,300
4 BR+
$2,670
Research median
$1,810/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$24,000/yr
At $2,000/mo median
Location
StateNJ
CountyWarren County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 14.0% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+14.0% YoY, +0.6% MoM), not inventory.
Demographics

Who lives here

ZIP 08865 (Phillipsburg, NJ) is majority owner-occupied, 29.4% of residents hold a bachelor's degree or higher.

Population
31,427
Median income
$79,949
Median age
42
Renters
31.6%
Age distribution
19.3%
21.6%
25.1%
15.1%
18.8%
Under 1819.3%
18–3421.6%
35–5425.1%
55–6415.1%
65+18.8%
Gender
50.5%
49.5%
Male50.5%
Female49.5%
Race & ethnicity
69.9%
12.2%
13.3%
White69.9%
Black12.2%
Hispanic13.3%
Asian2.4%
Other2.2%
Education (25+)
35.2%
27.8%
29.4%
No HS diploma7.6%
HS diploma35.2%
Some college27.8%
Bachelor's+29.4%
Housing tenure
68.4%
31.6%
Owner68.4%
Renter31.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 08865 in Phillipsburg, NJ has changed in 5 years

Income
$66,779 → $79,949
up 19.7%
Population
30,179 → 31,427
up 4.1%
Renter share
33.2% → 31.6%
-1.6 pts
Bachelor's+
28.7% → 29.4%
+0.7 pts

On the earnings side, the typical household in ZIP 08865 in Phillipsburg, NJ now reports about $79,949, up from $66,779 in 2021. Census counts show ZIP 08865 in Phillipsburg, NJ adding about 1,248 residents over the five-year window, up 4.1% on net. The renter share has eased from 33.2% to 31.6%, with owner-occupied housing accounting for the remainder.

Community

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Local insights

Tips for renters in ZIP 08865

About renting in ZIP 08865

Last updated: July 20, 2026

ZIP code 08865 covers Phillipsburg, NJ. The median rent here is $2,000/mo as of July 2026. A 1-bedroom rents for a median of $1,460/mo. A 2-bedroom rents for a median of $1,810/mo.

At 30% of local median household income ($79,949/yr), ZIP 08865 ranks as moderate compared to the national benchmark of 30%. Rents have increased 14.0% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 08865?

As of July 20, 2026, the median monthly rent in ZIP 08865 (Phillipsburg, NJ) is $2,000. This is based on aggregated data from public sources and community submissions.

How does ZIP 08865 rent compare to the US average?

ZIP 08865's median rent of $2,000/mo is $35 (2%) above the US national median of $1,965/mo.

How does ZIP 08865 compare to other ZIPs in New Jersey?

ZIP 08865 is among the more affordable ZIP codes in New Jersey, ranking #181 out of 212 ZIPs at $2,000/mo.

How much income do you need to rent in ZIP 08865?

To keep rent at or below 30% of gross income, you would need to earn at least $80,000/year (~$38/hour full-time) to afford the median rent of $2,000/mo in ZIP 08865. The local median household income is $79,949/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 08865?

Rent in ZIP 08865 has increased 14.0% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 08865 an affordable place to rent?

ZIP 08865 is considered moderate for renters. At $2,000/mo, rent takes approximately 30% of the local median household income ($79,949/yr). The standard benchmark is 30%. ZIP 08865 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 08865 residents rent vs. own?

According to Census data, approximately 31.6% of ZIP 08865 households are renters, while 68.4% are owner-occupied. ZIP 08865 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 08865 compare to the rest of Phillipsburg?

ZIP 08865 sits right at the Phillipsburg citywide median of $2,000/mo.

When was rent data for ZIP 08865 last updated?

Rent data for ZIP 08865 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
30%
MODERATE

At $2,000/mo, rent takes ~30% of ZIP 08865's median household income ($79,949/yr). The standard benchmark is 30%.

ZIP 08865 30%Benchmark 30%
State income tax1.4–10.75%
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Schools nearby

Public schools near ZIP 08865 (Phillipsburg, NJ)

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