Philipsburg is a small town of 914 in Montana, with a median household income of $32,353
and a 13.8% unemployment rate.
Its cost of living index is 93 (US average = 100), which is
7% below the national average.
Strengths:
Philipsburg stands out for an affordable cost of living, below-average home prices, solid school ratings (A-), short average commutes.
Trade-offs:
Potential downsides include an elevated unemployment rate. Whether Philipsburg is right for you depends on your priorities — the full breakdown is below.
All Philipsburg 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: 93.4
Philipsburg's overall cost of living index is 93.4,
where 100 represents the US national average.
Living in Philipsburg costs roughly 7% less than the average American city.
Metric
Philipsburg, MT
National Avg
Median Home Value
$172,900
$244,900
Median Monthly Rent
$1,073
$1,163
Homeownership Rate
54.3%
65.9%
Median Household Income
$32,353
$74,755
Crime & Safety
Very Safe
Philipsburg's violent crime rate is 148.0 per 100,000 residents
— 61% lower than the national average of ~380 per 100,000.
Violent Crime
148.0 /100k
Property Crime
1095.0 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Philipsburg is served primarily by Philipsburg K-12 Schools.
The student-to-teacher ratio is 9.8:1
(better than the national average of ~16:1).
Metric
Philipsburg, MT
National Avg
School District
Philipsburg K-12 Schools
—
Elementary Schools
1
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
9.8:1
16:1
Bachelor's Degree or Higher
31.9%
35.4%
High School Diploma or Higher
89.2%
91.1%
Weather & Climate
Philipsburg sees average highs of 35.7°F in January
and 80.8°F in July,
with 16.5 inches of annual precipitation
and 30.5 inches of snow per year.
Philipsburg's cost of living index is 93, where 100 is the national average.
That makes Philipsburg roughly 7% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $172,900 and median rent is $1,073/month.
Philipsburg's violent crime rate is 148.0 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1095.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Philipsburg are operated by Philipsburg K-12 Schools.
The district has 1 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 9.8:1. 31.9% of adults 25+ hold a bachelor's degree or higher.
Philipsburg, MT has a population of 914, a median household income of $32,353, and an unemployment rate of 13.8%.
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.
Philipsburg averages 35.7°F in January and 80.8°F in July. Annual rainfall is 16.5 inches
with about 30.5 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Philipsburg, MT is covered by 1 ZIP code: 59858.
The population of Philipsburg, Montana is 914 with a median age of 49.8. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Philipsburg: cost of living index 93 (100 = US average), median home $172,900, median household income $32,353, crime index 44 (100 = US average, lower is safer), schools rated A-. Whether these are benefits or drawbacks depends on where you're coming from — compare Philipsburg side by side with your current city to see the trade-offs.
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