Median Income
$40,096
47% lower than US avg
Home Value
$304,200
8% higher than US avg
Bachelor's+
33.0%
2% lower than US avg
Median Rent
$871
25% lower than US avg
Obesity Rate
30.3%
6% lower than US avg
Unemployment
13.5%
275% higher than US avg
Poverty Rate
6.9%
44% lower than US avg
How Philipsburg Compares to the U.S. Average (100% = U.S. avg)
People
Population1,012
Median Age49.5 yrs
Density1,191/mi²
Male / Female55% / 45%
Largest GroupWhite 86%
Veterans11.1%
Economy
C+
Median Income$40,096
Per Capita$29,515
Unemployment13.5%
Poverty6.9%
County GDP$166M
Commute25 min
Housing
C
Home Value$304,200
Rent$871
Ownership51.5%
Zillow$468,192
Housing Units549
Rent Burden31.3%
Health
Obesity30.3%
Uninsured9.7%
Smoking15.0%
Depression25.2%
Heart Disease5.4%
Climate
Avg Temp42°F (6°C)
Rain16.5 in/yr
Elevation5,234 ft (1,595 m)
Education
B+
Bachelor's+33.0%
High School+93.4%
Graduate+5.6%
School Score6.52
Community
2024 VoteR 71% / D 27%
Commute25 min
Broadband76.9%
EV Stations1
Libraries2
Is Philipsburg a Good Place to Live?
Based on current data, Philipsburg receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include a low poverty rate. Areas to be aware of include above-average unemployment, below-average incomes. Philipsburg has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Philipsburg is $40,096, 47% below the national average of $75,149. At 13.5%, unemployment is notably high. Only 6.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Philipsburg is $304,200, roughly aligned with the national median of $281,900. Renters pay a median of $871 per month, below the national average / a plus for affordability. With a home price-to-income ratio of 7.6x, housing affordability is a significant challenge for many families.
Education
33.0% of residents hold a bachelor's degree, below the national average of 33.7%. 93.4% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Philipsburg has a cool climate with an average annual temperature of 42°F. Winters average 25°F in January while summers reach 62°F in July. Annual precipitation totals 16.5 inches, including 30.5 inches of snow.
Philipsburg has a population of 1,012 with a density of 1,191 people per square mile, spread across 0.8 square miles. The median age is 49.5 years, 27% older than the national median of 38.9. The gender split is 45% female and 55% male. The city is predominantly White (86.2%), with 5.3% Hispanic. English is the primary language spoken at home by 98.2% of residents. 11.1% of the population are veterans, above the national rate of 6.0%. 17.4% of residents have a disability (above the 13.0% national average). 90.3% have health insurance coverage.
Population
1,012
Total Population
2023 Census
49.5yrs
Median Age
27% above US avg
Race & Ethnicity
Philipsburg vs U.S. Average
Language Spoken at Home
English Only
98.2%
25% above US avg
Spanish
2.1%
84% below US avg
Social Characteristics
Philipsburg vs U.S. Average
The median household income in Philipsburg is $40,096, which is 47% below the national average of $75,149. Per capita income is $29,515 (below the $39,052 national figure). The average weekly wage is $851, 41% lower than the U.S. average. The unemployment rate is 13.5% (above the 3.6% US average). 6.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 192 business establishments, including 16 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 25 minutes. 6.3% of workers work from home (below the 15.2% national rate).
Income: Philipsburg vs U.S.
Income
| Median HH Income | $40,096 |
| 47% below US avg |
| Per Capita Income | $29,515 |
| Avg Weekly Wage | $851 |
| IRS Avg AGI | $73,211 |
| Gini Index | 0.488 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 13.5% |
| 275% above US avg |
| Poverty Rate | 6.9% |
| 44% below US avg |
| Establishments (County) | 192 |
| County GDP | $166M |
Business (County)
| Restaurants | 16 |
| Healthcare | 8 |
| Retail | 22 |
| Manufacturing | 5 |
Tax & Cost of Living
| Property Tax (IRS) | $3,543 |
| 1% above US avg |
| Cost of Living | 94.60 (100=avg) |
| Effective Tax Rate | 1.16% |
Commute & Transportation
| Commute Time | 24.5 min |
| Drive Alone | 73.8% |
| Public Transit | 0.0% |
| Work from Home | 6.3% |
The median home value in Philipsburg is $304,200, 8% above the national median of $281,900. Zillow estimates the typical home value at $468,192, higher than the Census estimate. Monthly rent averages $871 (25% below the national average of $1,163). Fair market rent ranges from $1,076 for a one-bedroom to $1,336 for a two-bedroom apartment. 51.5% of housing units are owner-occupied (below the 65.4% national rate). There are 549 total housing units in the city. The median year a home was built is 1955. The average annual property tax is $3,543. 31.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 7.6x, making homeownership a significant financial stretch for most families.
Home Values
| Census Median | $304,200 |
| 8% above US avg |
| Zillow ZHVI | $468,192 |
Rental Costs
| Census Median Rent | $871 |
| 25% below US avg |
| Rent Burden | 31.3% |
HUD Fair Market Rent
| Studio | $988 |
| 1 Bedroom | $1,076 |
| 2 Bedrooms | $1,336 |
| 3 Bedrooms | $1,789 |
| 4 Bedrooms | $2,113 |
Ownership & Property
| Homeownership | 51.5% |
| Owner-Occupied | 51.5% |
| Renter-Occupied | 48.5% |
| Housing Units | 549 |
| Median Year Built | 1955 |
Property Tax
| Avg Tax (IRS) | $3,543 |
| 1% above US avg |
| Effective Rate | 1.16% |
In Philipsburg, 30.3% of adults are obese, below the national rate of 32.1%. 8.2% have diabetes (below the 10.5% national rate). Heart disease affects 5.4% of residents. 28.9% have high blood pressure. 15.0% are current smokers. 23.1% report binge drinking. 21.0% are physically inactive, below the national average. 25.2% report depression (above the 20.0% national average). 18.9% experience frequent mental distress. 9.7% of residents lack health insurance. The primary care physician ratio is 1:3,344. 37.1% of residents have access to exercise opportunities. The food environment index is 5.2 out of 10.
Health Metrics: Philipsburg vs U.S. Average (%)
Chronic Conditions
| Obesity | 30.3% |
| 6% below US avg |
| Diabetes | 8.2% |
| Heart Disease | 5.4% |
| High Blood Pressure | 28.9% |
| Asthma | 11.5% |
| COPD | 6.4% |
| Cancer | 7.5% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 15.0% |
| 7% above US avg |
| Binge Drinking | 23.1% |
| Physical Inactivity | 21.0% |
| Depression | 25.2% |
| Mental Distress | 18.9% |
| Physical Distress | 13.5% |
| Short Sleep | 34.8% |
Healthcare Access
| Insurance Rate | 90.3% |
| Uninsured | 9.7% |
| 13% above US avg |
| Primary Care | 1:3,344 |
| Mental Health | 1:1,798 |
| Checkup Rate | 68.5% |
| Dental Visits | 58.3% |
| Premature Death | 10,208/100K |
Food & Exercise
| Food Environment | 5.2/10 |
| Exercise Access | 37.1% |
| Healthcare Facilities | 8 |
Philipsburg has a cool climate with an average annual temperature of 42°F (6°C). Winters average 25°F in January while summers reach 62°F in July. Annual precipitation totals 16.5 inches (drier than the 38-inch national average). The area receives 30.5 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 5,234 feet, a high-altitude location.
Temperature
25°F Jan (-4°C)
62°F Jul (17°C)
| Annual Average | 42.0°F |
| 22% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 62°F (17°C) |
Geography
| Elevation | 5,234 ft (1,595 m) |
| Area | 0.8 sq mi (2.1 km²) |
| Population Density | 1,191/sq mi |
| Coordinates | 46.3324°N, 113.2960°W |
| Timezone | America/Denver |
| County | Granite County County |
| Nearest Airport | Missoula Montana (MSO) 55 miles away |
Precipitation & Snow
Annual Rainfall
16.5"
57% below US avg
Wettest Month (May)
2.64"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 9.4 / 100 |
| Social Vulnerability | 49.6 / 100 |
| Community Resilience | 29.9 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Moderate |
| Avalanche |
Relatively High |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
456 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.8. Most recent: M2.9 on Aug 15, 2025.
| Jul 6, 2017 |
11 km SE of Lincoln, Montana |
M5.8 |
82 km |
| Jul 26, 2005 |
16 km N of Dillon, Montana |
M5.6 |
120 km |
| Jul 6, 2017 |
15 km S of Lincoln, Montana |
M5.0 |
72 km |
| Jul 6, 2017 |
14 km SE of Lincoln, Montana |
M4.4 |
82 km |
| May 8, 2007 |
8 km NNW of Alder, Montana |
M4.4 |
138 km |
| Jan 30, 2016 |
19 km E of Lincoln, Montana |
M4.3 |
96 km |
| Oct 28, 1998 |
18 km S of Whitehall, Montana |
M4.3 |
114 km |
| Jun 18, 2006 |
6 km S of Pony, Montana |
M4.1 |
135 km |
| Apr 8, 2000 |
8 km ENE of Townsend, Montana |
M4.1 |
145 km |
| Oct 7, 2024 |
11 km E of Dillon, Montana |
M4.1 |
138 km |
| Sep 3, 2016 |
16 km S of Whitehall, Montana |
M4.0 |
113 km |
| Mar 6, 2009 |
18 km S of Whitehall, Montana |
M4.0 |
114 km |
| Jul 6, 2017 |
14 km SSE of Lincoln, Montana |
M4.0 |
78 km |
| Jan 18, 2006 |
18 km NNE of Dillon, Montana |
M4.0 |
124 km |
| Jul 19, 2002 |
43 km NE of Seeley Lake, Montana |
M4.0 |
124 km |
| Jul 27, 2005 |
18 km N of Dillon, Montana |
M4.0 |
119 km |
| Jun 28, 2000 |
21 km SE of Clinton, Montana |
M4.0 |
37 km |
| Jul 17, 2017 |
12 km ESE of Lincoln, Montana |
M4.0 |
85 km |
| Nov 10, 2000 |
14 km NE of Townsend, Montana |
M4.0 |
148 km |
| Oct 19, 2017 |
12 km SE of Lincoln, Montana |
M3.9 |
84 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
13 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 1 injury.
| Date |
Rating |
Distance |
Fatalities |
| Jun 23, 1975 |
EF2 |
83 km |
0 |
| Jun 28, 1982 |
EF1 |
49 km |
0 |
| May 29, 1965 |
EF1 |
87 km |
0 |
| Aug 20, 2018 |
EF0 |
81 km |
0 |
| Sep 15, 1997 |
EF0 |
44 km |
0 |
| Jul 9, 1992 |
EF0 |
89 km |
0 |
| May 16, 1991 |
EF0 |
58 km |
0 |
| Aug 15, 1990 |
EF0 |
61 km |
0 |
| Oct 16, 1988 |
EF0 |
66 km |
0 |
| Aug 11, 1988 |
EF0 |
12 km |
0 |
| Jul 20, 1983 |
EF0 |
88 km |
0 |
| May 4, 1971 |
EF0 |
43 km |
0 |
| May 17, 1962 |
EF0 |
30 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: VALLEY COMPLEX (BEAR) (118,045 ac, 2000).
| Year |
Name |
Acres |
Distance |
| 2000 |
VALLEY COMPLEX (BEAR) |
118,045 |
71 km |
| 2017 |
MEYERS |
68,711 |
43 km |
| 2007 |
SAWMILL COMPLEX (WYMAN 2) |
68,236 |
34 km |
| 2000 |
MUSSIGBROD COMPLEX (MUSSIGBROD) |
64,810 |
54 km |
| 2000 |
SULA COMPLEX (MAYNARD) |
62,967 |
79 km |
| 2021 |
TRAIL CREEK |
62,432 |
87 km |
| 2017 |
LOLO PEAK |
62,316 |
81 km |
| 2021 |
ALDER CREEK |
38,189 |
60 km |
| 2003 |
LINCOLN COMPLEX (SNOWBANK) |
36,987 |
99 km |
| 2007 |
BRIDGE |
36,732 |
94 km |
| 2017 |
LITTLE HOGBACK |
34,646 |
25 km |
| 2012 |
FERN |
29,736 |
94 km |
| 2007 |
ROMBO MOUNTAIN |
28,215 |
90 km |
| 2017 |
LIBERTY |
27,731 |
90 km |
| 2021 |
HAYSTACK |
26,118 |
84 km |
| 2007 |
RAT CREEK |
25,929 |
77 km |
| 2003 |
COONEY RIDGE |
25,741 |
56 km |
| 2000 |
TAYLOR SPRINGS FIRES |
22,598 |
97 km |
| 2003 |
MINERAL-PRIMM (MINERAL AND PRIMM) |
20,888 |
85 km |
| 2000 |
VALLEY COMPLEX (COYOTE) |
20,601 |
50 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
0.7 in |
Driest |
| February |
26°F (-3°C) |
0.9 in |
|
| March |
34°F (1°C) |
1.1 in |
|
| April |
40°F (4°C) |
1.6 in |
|
| May |
48°F (9°C) |
2.6 in |
Wettest |
| June |
55°F (13°C) |
2.5 in |
|
| July |
62°F (17°C) |
1.2 in |
Warmest |
| August |
61°F (16°C) |
1.1 in |
|
| September |
53°F (12°C) |
1.4 in |
|
| October |
43°F (6°C) |
1.4 in |
|
| November |
32°F (-0°C) |
1.2 in |
|
| December |
24°F (-4°C) |
0.8 in |
Coldest |
Philipsburg has a seasonal temperature swing of 38°F / from 24°F in December to 62°F in July. Total annual precipitation is 16.5 inches, with May being the wettest month (2.6") and January the driest (0.7").
Average costs for common services in Philipsburg. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$237 ($142-$378) |
| Specialist Visit |
$331 ($189-$520) |
| Urgent Care Visit |
$189 ($95-$331) |
| Emergency Room Visit |
$2,081 ($757-$4,730) |
| Dental Cleaning |
$123 ($71-$189) |
| Dental Filling |
$237 ($142-$378) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24-$71) |
| Oil Change (Synthetic) |
$71 ($47-$114) |
| Brake Pad Replacement |
$284 ($142-$473) |
| Tire Rotation |
$38 ($19-$71) |
| New Tires (Set of 4) |
$568 ($378-$946) |
| Battery Replacement |
$189 ($95-$331) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$95 ($57-$142) |
| Electrician (Per Hour) |
$85 ($47-$132) |
| HVAC Repair |
$378 ($142-$757) |
| HVAC System Install |
$6,622 ($3,784-$11,352) |
| Roof Repair |
$946 ($378-$1,892) |
| Roof Replacement |
$8,514 ($5,203-$14,190) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,419 ($473-$3,311) |
| Divorce (Contested) |
$14,190 ($4,730-$28,380) |
| DUI Defense |
$4,730 ($1,892-$9,460) |
| Bankruptcy (Chapter 7) |
$1,419 ($757-$2,838) |
| Will Preparation |
$473 ($189-$946) |
| Trust Preparation |
$2,365 ($946-$4,730) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14-$43) |
| Women's Haircut |
$52 ($28-$95) |
| Hair Coloring (Full) |
$142 ($71-$237) |
| Manicure |
$24 ($14-$43) |
| Pedicure |
$38 ($24-$61) |
| Massage (1 Hour) |
$76 ($47-$123) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.88 ($2.84-$5.20) |
| Dozen Eggs (per dozen) |
$3.31 ($2.37-$4.73) |
| Loaf of Bread |
$3.59 ($2.37-$5.20) |
| Chicken Breast (per lb) |
$4.26 ($2.84-$6.15) |
| Ground Beef (per lb) |
$5.20 ($3.78-$7.10) |
| Rice (per lb) |
$0.95 ($0.57-$1.70) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($76-$237) |
| Natural Gas (Monthly) |
$66 ($28-$142) |
| Water/Sewer (Monthly) |
$66 ($38-$114) |
| Internet (Monthly) |
$66 ($38-$95) |
| Cell Phone Plan (Monthly) |
$61 ($28-$95) |
| Cable TV (Monthly) |
$80 ($47-$142) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$189 ($71-$473) |
| Car Insurance (Annual) |
$1,892 ($1,135-$3,311) |
| Bus Pass (Monthly) |
$66 ($28-$123) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.57-$24) |
| Car Registration (Annual) |
$95 ($28-$237) |
| Driver's License Renewal |
$28 ($14-$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,135 ($568-$2,365) |
| Daycare (Toddler, Monthly) |
$946 ($473-$1,892) |
| After-School Care (Monthly) |
$378 ($189-$662) |
| Tutoring (Per Hour) |
$47 ($24-$95) |
| SAT/ACT Prep Course |
$946 ($378-$2,365) |
| Private School (K-12, Annual) |
$11,825 ($4,730-$28,380) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($28-$95) |
| Dog Vaccination (Annual) |
$95 ($47-$189) |
| Dog Grooming |
$57 ($28-$95) |
| Pet Boarding (Per Night) |
$38 ($19-$71) |
| Dog Spay/Neuter |
$284 ($142-$473) |
| Cat Spay/Neuter |
$189 ($95-$378) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $919 |
| Toddler | $954 |
| Preschool | $821 |
| Family Childcare (monthly) |
| Infant | $723 |
| Toddler | $737 |
| Preschool | $737 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Philipsburg
What is the population of Philipsburg?
Philipsburg has a population of 1,012 residents and is located in Montana. The population density is 1,191 people per square mile, spread across 0.8 square miles. The median age of residents is 49.5 years, which is older than the national median of 38.9 years. The population is 45% female and 55% male.
Is Philipsburg expensive to live in?
Philipsburg is more affordable than the national average, with a cost of living index of 94.6 / below the baseline of 100. The median household income is $40,096, 47% below the national average of $75,149. The median home value is $304,200 (8% above the U.S. median). Renters pay a median of $871 per month, below the national average of $1,163. The home price-to-income ratio is 7.6x, which means housing is a stretch relative to local earnings.
What is the weather like in Philipsburg?
Philipsburg has a cool climate with an average annual temperature of 42°F (6°C). Winter temperatures average 25°F in January, while summers reach an average of 62°F in July. Annual rainfall totals 16.5 inches, with 30.5 inches of snow.
How is the job market in Philipsburg?
The job market in Philipsburg faces challenges, with unemployment at 13.5% / significantly above the national rate of 3.6%. The average weekly wage is $851. There are 192 business establishments in the area, including 16 restaurants and food service locations. The average commute time is 25 minutes, and 6.3% of workers work from home.
How much does housing cost in Philipsburg?
The median home value in Philipsburg is $304,200. Zillow estimates the typical home value at $468,192. For renters, the median monthly rent is $871. Fair market rent is $1,076 for a 1-bedroom and $1,336 for a 2-bedroom apartment. The homeownership rate is 51.5%. The average annual property tax is $3,543.
How are the schools in Philipsburg?
Schools in Philipsburg score 6.5 out of 10 on standardized testing, near the national average. 33.0% of adults in Philipsburg hold a bachelor's degree or higher, below the national average of 33.7%. 93.4% have completed high school. 5.6% hold a graduate or professional degree.
How healthy is Philipsburg?
The obesity rate in Philipsburg is 30.3% (below the national rate of 32.1%). 15.0% of adults are smokers. 21.0% are physically inactive. 25.2% of residents report depression. 9.7% lack health insurance. 37.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,344.
What is transportation like in Philipsburg?
The average commute in Philipsburg is 25 minutes, shorter than the national average of 28 minutes. 73.8% of workers drive alone to work, and 6.3% work from home.
What are the demographics of Philipsburg?
The racial and ethnic makeup of Philipsburg is 86.2% White, 5.3% Hispanic or Latino. 98.2% of residents speak only English at home. 11.1% of the population are military veterans. 17.4% of residents have a disability. 90.3% have health insurance coverage.