Personal Finance

How much income you have to earn to be considered middle class in every US state

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The American middle class just got a little richer.

On Thursday, the US Census Bureau released its 2016 American Community Survey, an annual survey that measures various economic, social, and housing data among US residents.

According to the survey, the national median household income rose to $59,039 — an increase of 3.2% from the previous year and the American middle class' highest income level to date, beating the previous record of $58,655 in 1999 (all numbers are adjusted for inflation).

In spite of slightly higher incomes, the American middle class has been shrinking for decades. But a majority of people consider themselves to be a part of it — even if they technically aren't.

Defined by Pew as those earning 67% to 200% of the median income — $39,560 to $118,080 in 2016 — only about half of Americans can call themselves middle class. Lower-income households account for 29%, while upper-income households make up the rest, according to Pew.

But that is simply a midpoint for the country.

The household income required to be considered middle class is different in every US state. For instance, a person earning $41,754 in Mississippi falls squarely in the middle class in that state, while someone earning that same amount in New York just misses the middle-income threshold.

Scroll through the map to find out how much money you need to earn to be a part of the middle class in every US state, based on the latest Census figures.

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Tanza Loudenback is a personal finance expert and a Certified Financial Planner (CFP). She was the founding reporter of Personal Finance Insider, covering topics including taxes, retirement planning, banking, real estate and mortgages, and budgeting. Her work has been featured in WSJ Buy Side, Fortune Recommends, Korn Ferry, TheStreet, Morgan Stanley Wealth Management, and Fidelity. ExperienceTanza was the first reporter on the Personal Finance Insider team. In addition to helping build the vertical from the ground up, she helmed a biweekly advice column answering readers’ personal finance questions and launched a personal finance newsletter. She also published two e-books under the Personal Finance Insider brand.She was the editorial lead on Master Your Money series, a two-year-long Business Insider series providing financial advice to millennials. She managed Master Your Money bootcamp events over the course of the series. While at BI, she also expanded tax coverage to include a guide to the best tax software and commissioned a panel of experts to review all articles. Tanza obtained her CFP license in 2020. She aims to simplify personal finance concepts for readers so that they can make smart decisions with their money. ExpertiseTanza’s areas of personal finance expertise include:
  • Real estate/mortgages
  • Taxes
  • Retirement planning
  • Small business finances
  • Banking
  • Budgeting
Education Tanza is a graduate of Elon University with a degree in print and online journalism, with a minor in Italian studies.