Habitat for Humanity Northwest New Jersey Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Warren County
Buying a home in Phillipsburg, NJ
1 county program and 19 statewide.Phillipsburg has no program of its own, 1 across Warren County, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Phillipsburg
No program of Phillipsburg’s own yet
No program run for Phillipsburg alone is listed. A home in Phillipsburg can use Warren County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Bedminster, about 29 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WarrenAnywhere in Warren County
1 county program1 county program a Phillipsburg homebuyer can use
The Phillipsburg marketThe Phillipsburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Phillipsburg
- 54.9% single-familysingle-family
- 17.9% townhousetownhouse
- 12.8% 2–4 units2–4 units
- 14.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. Phillipsburg’s one local program does not list condos as eligible. Habitat for Humanity Northwest New Jersey Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Phillipsburg’s homes were built
pre-19401970s2020+
85.9%
of Phillipsburg homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$127,900
County area median income, 4 people (HUD)HUD area median income, Warren County, 4-person household (2026)
$68,324
Phillipsburg median household incomeMedian household income in Phillipsburg (Census, 2024)
20 of the 82 programs here set their income limit as a share of Warren County’s area median income, adjusted for household size. See the published limits for Warren County
Free help nearbyFree help near Phillipsburg
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across New Jersey and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Phillipsburg questions
Does Phillipsburg have its own down payment program?
No program run for Phillipsburg alone is listed. A home in Phillipsburg can use the 1 program that cover Warren County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Phillipsburg?
Phillipsburg’s one local program does not list condos as eligible. Habitat for Humanity Northwest New Jersey Homeownership Program lists single_family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Warren County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Warren County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Phillipsburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Phillipsburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08865
Nearby in Warren
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.