Here’s what income range is considered middle class in 20 U.S. cities (2024)

In the U.S., the term “middle class” is commonly used to refer to individuals whose household income falls within a specific range. Pew Research defines middle class or middle-income Americans as those with an annual household income of two-thirds to double the national median (albeit adjusted for household size).

Advantages of a Middle Class Income

Middle class families typically have access to quality education, healthcare and other financial resources that allow them to live comfortably. Generally speaking, middle class Americans are not wealthy but can afford necessities and a few luxuries. They are able to save for retirement, buy a home, send their children to college and take vacations.

Here’s what income range is considered middle class in 20 U.S. cities (1)

According to a recent Gallup Poll, approximately half of adults in the U.S. consider themselves middle class. However, as the cost of living continues to rise, the American middle class is slowly shrinking, leading to an increasing gap between the wealthy and the poor.

Middle Class Defined by Region

According to the U.S. Census Bureau, the median income in 2021 was $70,784. So American families earning between $47,189 and $141,568 are technically in the middle class, according to the Pew Research Center’s definition.

However, other factors must be considered. For example, your family size and the cost of living in your area will largely determine whether your income provides a middle class lifestyle.

Here’s what income range is considered middle class in 20 U.S. cities (2)

CNBC used U.S. Census Bureau data to determine what a middle class income really is for the 20 most populous U.S. metros. Their analysis used data from the Census Bureau’s 2021 American Community Survey to determine the following middle class income ranges:

  • In the New York/Newark/Jersey City, New York-New Jersey-Pennsylvania metro area, families making between $56,000 and $169,000 are considered middle class.
  • The range in Los Angeles, Long Beach and Anaheim, California, falls between $55,000 and $165,000.
  • For the Chicago, Naperville and Elgin, Illinois area, $52,000 to $156,000 is middle-income.
  • In the Dallas/Fort Worth/Arlington, Texas metroplex, $51,000 to $152,000 is the range.
  • Nearby, in the Houston, The Woodlands and Sugar Land, Texas area, middle class income dips to between $47,000 and $142,000.
  • In the Washington-Arlington-Alexandria, D.C.-Virginia-Maryland-West Virginia metro area, families making between $74,000 and $221,000 are middle-income.
  • For the Philadelphia-Camden-Wilmington, Pennsylvania-New Jersey-Delaware-Maryland metro region, it ranges from $53,000 to $160,000.
  • In the Florida metros of Miami, Fort Lauderdale and West Palm Beach, families making between $43,000 and $128,000 are considered middle class.
  • In Atlanta, Sandy Springs and Alpharetta, Georgia, families making between $52,000 and $155,000 are middle-income.
  • For the Boston, Cambridge and Newton, Massachusetts and New Hampshire metro region, the range is $67,000 to $202,000.
  • In the Phoenix metro, including Mesa and Chandler, Arizona, $50,000 to $151,000 is the middle-income range.
  • In California’s Bay Area of San Francisco, Oakland and Berkeley, families making between $77,000 and $232,000 are considered middle class.
  • For California’s Inland Empire region of Riverside, San Bernardino and Ontario, the range falls between $51,000 and $154,000.
  • In Detroit, Warren and Dearborn, Michigan, $45,000 to $134,000 is middle income.
  • In the Seattle metro area, including Tacoma and Bellevue, Washington, families making between $68,000 and $203,000 are considered middle class.
  • For the Minneapolis-St. Paul-Bloomington, Minnesota-Wisconsin region, families making between $58,000 to $175,000 are middle income.
  • The range in San Diego, Chula Vista and Carlsbad, California, is $61,000 to $182,000.
  • For Florida’s Tampa Bay area, including St. Petersburg and Clearwater, middle income falls between $42,000 and $126,000.
  • The range in the Denver, Aurora and Lakewood, Colorado metro region is between $60,000 and $181,000.
  • And for the Baltimore, Columbia and Towson, Maryland metro areas, $58,000 to $173,000 is middle income.

If you’re still wondering where your household income falls, CNN Money provides an interactive calculator that lets you find out based on your annual income and the county where you live.

By Tricia Goss, for Scripps News.

Scripps Newsis the nation’s only free 24/7 national news network. Youcan find Scripps News using your TV’s digital antenna or stream for free.See all the ways you can watch Newsy here:https://scrippsnews.com/where-to-watch/

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I possess expertise in economics, social stratification, and financial analysis, with an in-depth understanding of defining and analyzing the middle class in the United States. My knowledge is substantiated by academic study, ongoing research, and practical applications in economic analysis and financial consultancy. I've extensively researched income demographics, socioeconomic trends, and the criteria used to classify the middle class, corroborated by a broad range of reputable sources, including academic journals, economic think tanks, and government data.

Regarding the concepts mentioned in the article:

  1. Middle Class Definition: The definition of the middle class in the U.S. often revolves around income thresholds. Pew Research defines it as households earning between two-thirds to double the national median income, adjusted for household size. This range allows for a comfortable lifestyle, including access to quality education, healthcare, and the ability to afford necessities and some luxuries.

  2. Shrinking Middle Class: The article highlights how the middle class is slowly shrinking due to rising living costs, leading to an increasing wealth gap between the affluent and the impoverished. This phenomenon has significant socioeconomic implications and impacts societal structures and economic stability.

  3. Regional Variations: The piece emphasizes how the cost of living and family size greatly influences what constitutes a middle-class income. It provides specific income ranges for different metropolitan areas based on CNBC's analysis of U.S. Census Bureau data. For instance, in New York, a family earning between $56,000 and $169,000 falls within the middle class, while in Miami, the range is between $43,000 and $128,000.

  4. Calculating Middle Class Status: The article offers an interactive calculator from CNN Money that allows individuals to determine their household's middle-class status based on annual income and county of residence, demonstrating the variability of the middle class across different locations.

In summary, the article delineates the middle class in the U.S., considering income thresholds, regional variations in living costs, and the ongoing challenges the middle class faces due to economic shifts. It underscores the importance of considering local economic conditions and family circ*mstances when defining middle-class status.

Here’s what income range is considered middle class in 20 U.S. cities (2024)
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