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Single Family ResidenceResidential
$314,552$328 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $283,700 on Feb 11, 2025

581 CONGRESS ST

PHILLIPSBURG, NJ 08865
0
Baths
960 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1918
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$315K
$288K low$342K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$283,700 · Feb 11, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,567 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$105,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$73,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$97,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$105,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.9
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWARREN
Lot (acres)The size of the land the home sits on, from county records.0.13
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Philipsburg Primary School
Elementary · Grades 1–2 · 0.3 mi
M
Phillipsburg Middle SchoolC-
Middle · Grades 6–8 · 1.6 mi
H
Phillipsburg High SchoolC+
High · Grades 9–12 · 2.2 mi

District: Phillipsburg Town School District

Neighborhood · ZIP 08865These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.76

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.31,496
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.725 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,055
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,798
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

581 Congress St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 79% of homes in Warren County
  • Costs more per square foot than 91% of homes in Phillipsburg 08865
  • Smaller than 94% of homes in Warren County
  • Has a smaller lot than 77% of homes in Warren County
  • Older than 83% of homes in Warren County

What homes are worth in Phillipsburg 08865

Each bar is how many homes fall in that price range. The marker is this home.

This home
$152K$699K

This home is worth more than 38% of homes in Phillipsburg 08865.

How it measures up in Phillipsburg 08865

The dot is this home. The mark in the middle is the typical home in Phillipsburg 08865.

Estimated value$314,552
CheaperTypical $344,970Pricier

Pricier than 38% of homes nearby

Price per ft²$328
CheaperTypical $238Pricier

Pricier than 91% of homes nearby

Living area960 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 10% of homes nearby

Lot size0.13 ac
SmallerTypical 0.17 acBigger

Bigger than 39% of homes nearby

Year built1918
OlderTypical 1945Newer

Newer than 26% of homes nearby

How 581 Congress St ranks against every home in each area.
MeasureThis homePhillipsburg 08865Warren County
Estimated valuepricier than$314,55238% of homes21% of homes
Price per ft²pricier than$32891% of homes90% of homes
Living areabigger than960 ft²10% of homes6% of homes
Lot sizebigger than0.13 ac39% of homes23% of homes
Year builtnewer than191826% of homes17% of homes

About 581 Congress St

How much is 581 Congress St, Phillipsburg, NJ worth?

The TopHap Estimate for 581 Congress St, Phillipsburg, NJ is $314,552 as of Aug 30, 2026. The likely range is $287,525 to $341,579. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 581 Congress St, Phillipsburg, NJ last sell?

581 Congress St, Phillipsburg, NJ last sold on Feb 11, 2025 for $283,700, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 581 Congress St, Phillipsburg, NJ?

581 Congress St, Phillipsburg, NJ has 960 square feet of living space and a 0.13-acre lot.

When was 581 Congress St, Phillipsburg, NJ built?

581 Congress St, Phillipsburg, NJ was built in 1918, making it 108 years old. The building has 2 stories.

What schools serve 581 Congress St, Phillipsburg, NJ?

581 Congress St, Phillipsburg, NJ is assigned to Philipsburg Primary School (elementary); Phillipsburg Middle School (middle), rated C-; Phillipsburg High School (high), rated C+. All sit in Phillipsburg Town School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 581 Congress St, Phillipsburg, NJ compare to other homes in Phillipsburg 08865?

Among the 9,863 homes in Phillipsburg 08865, it is worth more than 38% of them ($314,552 against a typical $344,970), its price per square foot is higher than 91% of them ($328 against a typical $238), it is bigger than 10% of them (960 ft² against a typical 1,456 ft²), its lot is bigger than 39% of them (0.13 ac against a typical 0.17 ac) and it is newer than 26% of them (1918 against a typical 1945). Measured against all of Warren County, it is worth more than 21% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 581 Congress St, Phillipsburg, NJ?

The 2025 property tax bill for 581 Congress St, Phillipsburg, NJ was $4,567. The county assessed it at $105,500.

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