Phil Campbell is a small town of 717 in Alabama, with a median household income of $26,094
and a 3.8% unemployment rate.
Its cost of living index is 86 (US average = 100), which is
14% below the national average.
Strengths:
Phil Campbell stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (B-).
Trade-offs:
No major red flags stand out in the available data. Whether Phil Campbell is right for you depends on your priorities — the full breakdown is below.
All Phil Campbell city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 85.7
Phil Campbell's overall cost of living index is 85.7,
where 100 represents the US national average.
Living in Phil Campbell costs roughly 14% less than the average American city.
Metric
Phil Campbell, AL
National Avg
Median Home Value
$96,600
$244,900
Median Monthly Rent
$573
$1,163
Homeownership Rate
69.7%
65.9%
Median Household Income
$26,094
$74,755
Crime & Safety
Very Safe
Phil Campbell's violent crime rate is 202.4 per 100,000 residents
— 47% lower than the national average of ~380 per 100,000.
Violent Crime
202.4 /100k
Property Crime
1417.0 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Phil Campbell is served primarily by Franklin County.
The student-to-teacher ratio is 15.3:1
(better than the national average of ~16:1).
Metric
Phil Campbell, AL
National Avg
School District
Franklin County
—
Elementary Schools
3
—
Middle Schools
N/A
—
High Schools
4
—
Student/Teacher Ratio
15.3:1
16:1
Bachelor's Degree or Higher
10.5%
35.4%
High School Diploma or Higher
83.1%
91.1%
Weather & Climate
Phil Campbell sees average highs of 51.2°F in January
and 87.8°F in July,
with 58.7 inches of annual precipitation
and 0.9 inches of snow per year.
Phil Campbell's cost of living index is 86, where 100 is the national average.
That makes Phil Campbell roughly 14% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $96,600 and median rent is $573/month.
Phil Campbell's violent crime rate is 202.4 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1417.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Phil Campbell are operated by Franklin County.
The district has 3 elementary, several middle, and 4 high schools.
The student-to-teacher ratio is 15.3:1. 10.5% of adults 25+ hold a bachelor's degree or higher.
Phil Campbell, AL has a population of 717, a median household income of $26,094, and an unemployment rate of 3.8%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Phil Campbell averages 51.2°F in January and 87.8°F in July. Annual rainfall is 58.7 inches
with about 0.9 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Phil Campbell, AL is covered by 1 ZIP code: 35581.
The population of Phil Campbell, Alabama is 717 with a median age of 50.7. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Phil Campbell: cost of living index 86 (100 = US average), median home $96,600, median household income $26,094, crime index 59 (100 = US average, lower is safer), schools rated B-. Whether these are benefits or drawbacks depends on where you're coming from — compare Phil Campbell side by side with your current city to see the trade-offs.
