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Colorado

Cost of living in Phillips County, CO

Estimated monthly cost
$2,890/mo
for a single person, all categories combined

Population 4,491 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $784 27%
Federal tax $565 20%
Healthcare $480 17%
Groceries $359 12%
Transport $320 11%
State tax $164 6%
Energy $158 5%
Water $60 2%

Rent in Phillips County

Fair Market Rents by bedroom count.

Studio
$779
per month
1 bedroom
$784
per month
2 bedroom
$1,030
per month
3 bedroom
$1,307
per month
4 bedroom
$1,658
per month

Source: HUD FMR FY2025

Income and earnings in Phillips County

Annual earnings figures from the Census ACS.

Household income
$60,372
per year
Individual earnings
$44,616
per year
Per capita
$43,285
per year

Source: ACS 2019-2023 5-Year.

Home values in Phillips County

Average values reported by homeowners.

Average home value
$255,300
Annual property tax
$1,263

Source: ACS 2019-2023 5-Year

Energy costs in Phillips County

Estimated monthly electricity and gas costs.

Electricity
$106
per month · 15.2¢/kWh
Natural gas
$52
per month
Annual total
$1,896
per year

Source: EIA

Healthcare in Phillips County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Phillips County

State and local tax rates for Colorado.

State income tax
4.4%
Flat rate
State sales tax
2.9%
Combined sales tax
7.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Phillips County

Commute patterns and estimated costs.

Average commute
20.0 min
Drive alone
76.9%
Public transit
0.0%
Work from home
11.2%

Source: ACS

Monthly cost estimates for Phillips County

What it costs to live in Phillips County each month.

Single person
$2,890
per month
  • Rent $784
  • Energy $158
  • Water $60
  • Groceries $359
  • Transport $320
  • Healthcare $480
  • Federal tax $565
  • State tax $164
Couple
$4,048
per month
  • Rent $1,030
  • Energy $190
  • Water $70
  • Groceries $595
  • Transport $420
  • Healthcare $864
  • Federal tax $658
  • State tax $221
Family
$6,481
per month
  • Rent $1,307
  • Energy $237
  • Water $85
  • Groceries $903
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $658
  • State tax $221

Frequently asked questions about Phillips County

Common questions about cost of living, rent and salary.

What is the average rent in Phillips County?

In Phillips County, CO, a one-bedroom apartment averages $784 per month, a two-bedroom averages $1,030 per month, a three-bedroom averages $1,307 per month, according to HUD Fair Market Rent data.

What is the average salary in Phillips County?

In Phillips County, CO, the average household income is $60,372 per year and individual earnings for full-time workers average $44,616 per year, according to U.S. Census Bureau data.

What is the cost of living in Phillips County?

The estimated cost of living in Phillips County, CO is approximately $2,890 per month for a single person, $4,048 for a couple, $6,481 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Phillips County?

The combined sales tax rate in Phillips County, CO is 7.77%, which includes the Colorado state rate of 2.90% plus an average local rate of 4.87%.

Is Phillips County an affordable place to live?

Based on the data, a single person in Phillips County, CO would need approximately $2,890 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $60,372 per year ($5,031 per month). Phillips County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Phillips County?

The ACA marketplace benchmark premium in Phillips County, CO is approximately $480 per month for an individual. Approximately 5.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Phillips County?

The average home value in Phillips County, CO is $255,300, with average annual property taxes of $1,263, according to U.S. Census Bureau data.

How does Phillips County compare to other areas?

You can compare Phillips County, CO with any other US county using our comparison tool at /compare. Phillips County is in Colorado.

Other counties in Colorado

Browse the full list of counties in Colorado, ranked by cost of living.

See all counties in Colorado

Compare Phillips County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources