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Margaret Elizabeth Elliot was believed to be born and raised in Toronto, Ontario. Throughout her residency in the Kingston area she was an active participant in the affairs of the Kingston community. She was particularly active in the Association of Women Electors. Her passion for municipal politics resulted in her campaigning for the position of alderwoman in the 1970 Sydenham Ward election. She was also an active member of the New Democratic party in Kingston.

In addition to her political activities, Margaret Phipps-Walker was involved in several other community organizations. She was president of the Victorian Order of Nurses, Eastern Lake Ontario branch, for three years during which time she helped initiate the home care plan. She was also involved with the Imperial Order Daughters of the Empire (I.O.D.E.). Margaret Phipps-Walker also served as regional coordinator for the "MEND" project, a committee that was set up to foster the needs and interests of emotionally and mentally disturbed children.

On November 30, 1991, Margaret Phipps-Walker died in Kingston.