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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As a seasoned expert in economic and sociological trends, particularly those related to income distribution and the middle class in the United States, I bring a wealth of knowledge and understanding to the table. My insights are grounded in extensive research, data analysis, and a comprehensive understanding of the factors shaping the economic landscape.

The concept of the "middle class" in the U.S. is a multifaceted and dynamic topic that requires a nuanced understanding. Pew Research, a reputable source in this context, defines middle-class Americans based on their annual household income, specifically within two-thirds to double the national median. This definition takes into account the variations in household size, providing a more accurate representation of the economic status of individuals and families.

One crucial aspect highlighted in the article is the regional definition of the middle class. The cost of living varies significantly across different areas of the United States, influencing what constitutes a middle-class income. CNBC's analysis, utilizing U.S. Census Bureau data, breaks down the middle-class income ranges for the 20 most populous U.S. metros, offering a more granular perspective.

For example, in the New York/Newark/Jersey City metro area, families making between $56,000 and $169,000 are considered middle class, while in the Dallas/Fort Worth/Arlington metroplex, the range is $51,000 to $152,000. These variations underscore the importance of considering local economic factors when defining the middle class.

The article also mentions the impact of the rising cost of living on the American middle class, noting a gradual shrinkage and an increasing wealth gap. This trend underscores the evolving nature of economic dynamics in the country, with implications for access to education, healthcare, and overall financial well-being for middle-class families.

Furthermore, the piece provides valuable resources for individuals to determine where their household income falls in the context of the middle class. The interactive calculator by CNN Money, mentioned in the article, allows readers to input their annual income and county of residence to assess their economic standing relative to the middle class.

In conclusion, my expertise in economic trends and sociological factors enables me to dissect and elaborate on the intricate details of the middle class in the U.S. The evidence presented, including data from reputable sources and regional income breakdowns, solidifies the credibility of the information provided in the article.