What Is Middle Class in California? (Published 2019) (2024)

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By Jill Cowan

ImageWhat Is Middle Class in California? (Published 2019) (2)

Good morning.

(Here’s the sign-up, if you don’t already get California Today by email.)

A few weeks ago, we asked you what you want to know about inequality in California. Hundreds of you responded. The first question we’ll answer comes from Johnny Good, a 76-year-old retiree in San Marcos, Calif., who worked in the state from 1966 to 2009.

“Reporters are constantly using the terms ‘middle class,’ ‘low wage earner’ and ‘rich,’ never defining what they mean. How much in dollars is a middle class annual income in different parts of California? What exactly in bucks does it mean?”

As my colleagues Tara Siegel Bernard and Karl Russell wrote in this look at four middle-class family budgets, most people believe they belong in the middle class, but its boundaries and markers are subject to interpretation.

So recently, my colleague Marie Tae McDermott asked Sarah Bohn, director of research at the Public Policy Institute of California about how we might approach the question in the Golden State.

Ms. Bohn told her that a way to define the middle class in terms of dollar earnings is first to define what it takes to meet the basic requirements for living. And then double that.

“Being middle class means a lot of things. In terms of income, it means you are living comfortably above the poverty line,” Ms. Bohn said. “You have enough resources to well meet your basic needs and beyond.”

To calculate middle income salaries for different regions, Ms. Bohn uses the California Poverty Measure, an estimate of the poverty line that the institute developed with Stanford University, which adjusts for costs of living across the state. That’s about $32,500 per year for a family of four, compared with the national poverty line, which is estimated to be about $25,700.

An annual income of between two and seven times the California Poverty Measure is considered middle class, Ms. Bohn said.

Therefore, she estimates a middle class income in Los Angeles County for a family of four that rents a home to be between $65,030 and $227,605.

For that same family, a middle class income in the Central Valley and Sierra region, a swath stretching from Calaveras County to Kern County, is between $52,762 and $184,666.

In the Inland Empire, a middle income for that family would be between $60,336 and $211,177. In Orange County, those numbers are $71,920 to $251,722.

And in the Bay Area the range is $74,750 to $261,623.

[Here’s more detailed information from the institute about poverty rates around the state.]

The role geography plays is reflected in responses from readers who are anxious about their financial futures despite earning salaries well above the poverty threshold.

Michael K., a reader in San Francisco, wrote, “I’m a tech worker who makes what would be deemed an upper-middle-class salary (around $150,000/year) nearly anywhere else in America, but in San Francisco, it’s barely enough to cover the rent on a modestly sized, decidedly non-luxury 1-bedroom apartment.”

We heard from readers on the lower end of the earning spectrum, too: “I now live in L.A. working a moderately-paid retail job but still struggle to afford living expenses and pay down debts. Every day I learn the financial trappings of life and how expensive it is to be poor.”

So, what’s the future looking like for California’s middle class? In the past four years, the poverty threshold has increased by about 8 percent statewide. Ms. Bohn predicts that over the next five to 10 years it will continue to increase, albeit slowly.

Where do you fall in the income distribution in your area? Most of us prefer to call our incomes “average,” even when, statistically speaking, they’re not. The Upshot’s income quiz might change how you see yourself.

What questions do you have about inequality in the state? Ask them here.

Here’s what else we’re following

We often link to sites that limit access for nonsubscribers. We appreciate your reading Times coverage, but we also encourage you to support local news if you can.

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  • In a San Francisco courtroom, a judge is sorting out the restructuring of the state’s biggest utility, Pacific Gas & Electric. As expected, it’s messy. [The New York Times]

  • Meanwhile, PG&E has said it may cut off power to hundreds of thousands of customers in about half of the state’s 58 counties this week as part of efforts to minimize the risk that its equipment could spark fires. [The San Francisco Chronicle]

  • California thought that with an independent citizen commission charged with drawing the state’s political districts, the state could eliminate gerrymandering. But there’s a problem: Not enough people have applied to help with the process. [CalMatters]

  • After years of investigation into the grisly confessions of a graying man in a wheelchair inside a Lancaster prison, federal officials have announced that Samuel Little is the most prolific serial killer in American history. [The New York Times]

  • “I had been so completely silenced that although I was central to a story that had ignited a global movement, I did not participate.” Rowena Chiu, a British-Chinese woman who now lives in California, wrote that Harvey Weinstein tried to rape her. Here’s why it took her two decades to speak out. [New York Times Opinion]

  • Facebook is set to pay $40 million in a settlement after advertisers accused the company of lying to inflate how long users were watching videos. Facebook did not admit to wrongdoing. [The Mercury News]

Sports, sports — and Disney

Image

  • “The league enjoys LeBron James being a spokesman back in Akron and Cleveland and speaking out on American politics.” But when one of the league’s general managers tweets about the Chinese government? Not so much. [The New York Times]

Also: The Times’s editorial board weighed in on the issue. [New York Times Opinion]

  • “Think about it: ‘I’m still at the blackjack table, I’ll be there at kickoff, I promise!’” Raiders fans in Las Vegas are ready for the team — and they think the party scene there could even give them an edge at home. [The San Francisco Chronicle]

  • The Dodgers lost to the Nationals on Monday night and now the series heads back to Los Angeles for a fifth game. [The New York Times]

  • Before Willie Ito was a Disney animator, he started drawing cartoons in the margins of catalogs his family was forced to burn to keep warm while they were incarcerated by the government with other Japanese-Americans during World War II. [NPR]

And Finally …

Image

A moment of Zen — but, actually: An online tour of Yosemite National Park, courtesy of the photographer Scott Highton, who put together the website Virtual Yosemite.

You can click on a couple of hundred points of interest throughout the park and get a 360-degree view of spots like Tuolumne Meadows and the summit of Half Dome — all without leaving your couch.

And if you’re feeling adventurous, the site includes links resources.

The National Park Service also runs webcams for live views of Yosemite.

California Today goes live at 6:30 a.m. Pacific time weekdays. Tell us what you want to see: CAtoday@nytimes.com. Were you forwarded this email? Sign up for California Today here.

Jill Cowan grew up in Orange County, graduated from U.C. Berkeley and has reported all over the state, including the Bay Area, Bakersfield and Los Angeles — but she always wants to see more. Follow along here or on Twitter, @jillcowan.

California Today is edited by Julie Bloom, who grew up in Los Angeles and graduated from U.C. Berkeley.

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What Is Middle Class in California? (Published 2019) (2024)

FAQs

What is middle class level in California? ›

The median income was $70,372. Three out of the top five cities with the highest income thresholds for the middle class are located in the Bay Area. These middle income residents need to make at least $81,623 in San Francisco, $84,673 in San Jose and $104,499 in Fremont.

What is the median income in California 2019? ›

California's median income for 2019 was $41,870 based on all state income tax returns filed. This is an increase of 2.1 percent over 2018 median income of $41,023. For joint filers, the median income was $86,623, a 4.1 percent increase over 2018's $83,221.

What is the current middle class level? ›

The Pew Research Center defines the middle class as households that earn between two-thirds and double the median U.S. household income, which was $65,000 in 2021, according to the U.S. Census Bureau.

What are the income levels in California? ›

Table
Population
Income & Poverty
Median household income (in 2021 dollars), 2017-2021$84,097
Per capita income in past 12 months (in 2021 dollars), 2017-2021$41,276
Persons in poverty, percent 12.3%
54 more rows

How much income is upper class in California? ›

Upper Class Salary in California
Annual SalaryMonthly Pay
Top Earners$84,213$7,017
75th Percentile$66,587$5,548
Average$58,538$4,878
25th Percentile$38,189$3,182

How much is middle upper class? ›

Many have graduate degrees with educational attainment serving as the main distinguishing feature of this class. Household incomes commonly exceed $100,000, with some smaller one-income earners household having incomes in the high 5-figure range.

What is upper middle class income 2019 in US? ›

The 2019 threshold for UMC family-of-three incomes is just under $107,000; the level for a single person is just under $62,000, and the level for a family of four is a bit more than $123,0000.

What is upper middle class in California? ›

Low-end middle class: $77,000. High-end middle class: $232,000. As of April 2022, 52% of adults consider themselves middle or upper-middle class.

What is the poverty line in California 2019? ›

2019 POVERTY GUIDELINES FOR THE 48 CONTIGUOUS STATES AND THE DISTRICT OF COLUMBIA
Persons in family/householdPoverty guideline
1$12,490
2$16,910
3$21,330
4$25,750
5 more rows

What is lower middle class in California? ›

Pew assesses middle class membership as belonging to those who make “two-thirds or double the national median income.” Which, according to the U.S. Census Bureau, was $70,784 in 2021, so you'd need to be pulling down between $47,189 and $141,568 to rank in the doughy middle.

What is typical middle class? ›

Regional disparities in income and the cost of living mean that salary-based measures of the middle class can vary greatly. Different income barometers describe the middle class as having income from $50,000 to $150,000 or, in some instances, $42,000 to $125,000.

What is upper middle class income for a single person? ›

Range of household incomes needed to be considered middle class, by family size
StateSingleCouple
California$29,851 – $89,552$42,215 – $126,646
Colorado$26,876 – $80,629$38,009 – $114,026
Connecticut$28,364 – $85,091$40,112 – $120,336
Delaware$26,146 – $78,437$36,975 – $110,926
48 more rows

What is moderate income in California? ›

Very-Low, Low and Moderate-Income Limits
Household SizeVery-Low IncomeModerate-Income
1$11,550 or less$19,301 - $30,850
2$13,200 or less$22,051 - $35,250
3$14,900 or less$24,801 - $39,650
4$16,550 or less$27,551 - $44,100
4 more rows

What salary is considered poor in California? ›

Living Wage Calculation for California
1 ADULT2 ADULTS (1 WORKING)
0 Children1 Child
Living Wage$21.24$40.25
Poverty Wage$6.53$11.07
Minimum Wage$15.50$15.50

What qualifies as low income in California? ›

According to Covered California income guidelines and salary restrictions, if an individual makes less than $47,520 per year or if a family of four earns wages less than $97,200 per year, then they qualify for government assistance based on their income.

What is a comfortable salary in California? ›

The data used in the study analyzed the cost of living in each city as of 2022. For California cities like Los Angeles, Berkeley and San Diego, a single person must make more than $76,000 to “live comfortably,” the data shows.

What percent of Californians make over 100k? ›

In California, 17.1% of households earn incomes of $100,000 to $149,999, with 15.3% earning $50,000 to $74,999 and 13.3% earning $200,000 or more.

What salary is upper class? ›

What Is Middle-Class Income?
Income groupIncome
Low incomeLess than $52,200
Middle income$52,200 - $156,600
Upper incomeMore than $156,600
Feb 27, 2023

Is upper middle class the same as middle class? ›

In sociology, the upper middle class is the social group constituted by higher status members of the middle class. This is in contrast to the term lower middle class, which is used for the group at the opposite end of the middle-class stratum, and to the broader term middle class.

Are doctors middle class? ›

The upper-middle-class usually evolves out of people from the middle-class tier who are particularly resourceful or who achieve higher levels of education than the rest of the middle class. Examples of these people in today's society are doctors and lawyers.

Is 500k a year upper middle class? ›

With a $500,000+ income, you are considered rich, wherever you live! According to the IRS, any household who makes over $500,000 a year in 2023 is considered a top 1% income earner.

What is middle class in US 2019? ›

From 2010 to 2019, the median income for middle-class families (based on a household of three people) grew 15%, from $79,838 to $92,042. After the pandemic hit, incomes dropped about 2% in a single year, sending the median income down to $90,131 in 2020.

What is the top 1% income in the US in 2019? ›

Average income before transfers and taxes among households in the 81st to 90th percentiles (the lower half of the highest quintile) was $180,100 in 2019, whereas income among households in the top 1 percent of the distribution (1.2 million households) averaged $2.0 million.

What is middle class median income 2019? ›

Median household income was $67,521 in 2020, a decrease of 2.9 percent from the 2019 median of $69,560 (Figure 1 and Table A-1). This is the first statistically significant decline in median household income since 2011.

What is California middle class income tax refund? ›

The Middle Class Tax Refund (MCTR) is a one-time payment to provide relief to Californians. If you are eligible, you will automatically receive a payment. Payments are expected to be issued between October 2022 and January 2023. For questions or to activate your card, visit the Contact information on this page.

What is considered upper middle class lifestyle? ›

The upper middle class are able to get high paying jobs because they have the highest level of education, and they tend to have a skill set that other people do not have. They tend to occupy white-collar jobs, have university degrees, have comfortable houses with mortgages, go on holiday yearly, and drive nice cars.

How much is the middle class tax refund in California? ›

Background
Married Filling Joint
CA AGI reported on 2020 tax returnPayment with at least one dependentPayment without a dependent
$150,000 or less$1,050$700
$150,001 to $250,000$750$500
$250,001 to $500,000$600$400
10 more rows

What is the poverty line in California for a single person 2023? ›

Get all HHS poverty guidelines for 2023.
...
Federal Poverty Level (FPL)
Family size2022 income numbers2023 income numbers
For individuals$13,590$14,580
For a family of 2$18,310$19,720
For a family of 3$23,030$24,860
For a family of 4$27,750$30,000
5 more rows

What county in California has the highest poverty level? ›

Los Angeles County has the state's highest poverty rate, with more than a quarter of residents living in poverty (using the CPM). That amounts to more than 2.5 million people. The county's “deep poverty rate,” encompassing the poorest of the poor, is also the state's second highest, at 6.7 percent.

What state has the most poverty 2019? ›

The state with the highest poverty rate in the entire United States in 2019 is Mississippi with 19.2% of the total population. A figure that peaked in 1988 when it was 27.2. In second place is Louisiana and in third place is New Mexico.

Is 80k a year middle class? ›

Anyone who makes 80 K a year is considered to be in the middle class no matter where they live in the US. This is because you only go above the middle class if you are making $175,000 a year on average. What is this? The median income for US residents who are living off of different incomes is around 80 K a year.

What qualifies as lower middle class? ›

Semi-professionals and craftsmen with a roughly average standard of living. Most have some college education and are white-collar. Semi-professionals and craftsmen with some work autonomy; household incomes commonly range from $35,000 to $75,000. Typically, some college education.

What is upper vs lower middle class? ›

The lower middle class is often made up of less educated people with lower incomes, such as managers, small business owners, teachers, and secretaries. The upper middle class is often made up of highly educated business and professional people with high incomes, such as doctors, lawyers, stockbrokers, and CEOs.

Is $75000 a year middle class? ›

1) Standard Definition Of Middle Class

$25,000-$100,000 a year is what most would consider as a middle class income.

What is working class vs middle class? ›

What qualifies as working or middle class varies from region to region, but country-wide, a salary of $30,000–$90,000 qualifies a single individual as middle class, with incomes below that range falling into the working class. Homer Simpson is working class.

How can you tell if someone is middle class? ›

There is no official financial standard for what constitutes middle class. For most it's more about a standard of living—including owning a home, being able to afford to pay for a college education for your kids, and having enough disposable income to take a family vacation.

What are the five social classes? ›

Gallup has, for a number of years, asked Americans to place themselves -- without any guidance -- into five social classes: upper, upper-middle, middle, working and lower. These five class labels are representative of the general approach used in popular language and by researchers.

What salary is comfortable? ›

Overall, Americans need an average post-tax income of $68,499 to live comfortably in the U.S., according to recent data from SmartAsset.

What is the top 20 percent income in California? ›

The total share of household income in California controlled by that top 20% of earners is 52%, 24/7 Wall St. reports.
...
StateCalifornia
Minimum Annual Income to Be in Top 20% of Earners$162,657
Share of Income Controlled by Top 20%52.0%
Minimum Annual Income to Be in Top 5%$250,000
Median Household Income$80,440
49 more columns
Dec 12, 2020

Is $30 an hour good in California? ›

California ranks number 34 out of 50 states nationwide for 30$ An Hour job salaries.

Is $20 an hour good in California? ›

California ranks number 23 out of 50 states nationwide for $20 An Hour job salaries.

What's a good hourly wage in California? ›

$14.59 is the 25th percentile. Wages below this are outliers. $29.42 is the 75th percentile.

What is the maximum income to qualify for Medi Cal 2023? ›

In 2023, the MMNA in CA is $3,715.50 / month. If a non-applicant's monthly income is under this amount, income can be transferred to them from their applicant spouse to bring their income up to $3,715.50.

Does Social Security count as income for Covered California? ›

You can start by using your adjusted gross income (AGI) from your most recent federal income tax return, located on line 11 on the Form 1040. Add any foreign income, Social Security benefits and interest that are tax-exempt. Then, add or subtract any income changes you expect in the next year.

What is the max income for Calfresh? ›

A CalFresh household includes anyone living together who regularly purchases and prepares meals together. The CalFresh benefit amount is dependent on household size, income, and expenses.
...
Eligibility.
Household SizeMaximum Gross IncomeMaximum Benefit Amount
4$4,626$939
5$5,412$1,116
6$6,200$1,339
7$6,986$1,480
5 more rows

What is middle salary in California? ›

Just in case you need a simple salary calculator, that works out to be approximately $30.52 an hour. This is equivalent of $1,220 a week or $5,290 a month. Most salaries in California range between $44,195 (25th percentile) to $81,432 (75th percentile) annually.

How much does a mid level earn in California? ›

$51,474 is the 25th percentile. Salaries below this are outliers. $105,049 is the 75th percentile.

How much is the California middle class check? ›

What you may receive
CA AGI reported on your 2020 tax returnPayment with dependentPayment without dependent
$150,000 or less$1,050$700
$150,001 to $250,000$750$500
$250,001 to $500,000$600$400
$500,001 or moreNot qualifiedNot qualified

How much is $70,000 salary after California taxes? ›

If you make $70,000 a year living in California you will be taxed $11,221. Your average tax rate is 11.67% and your marginal tax rate is 22%. This marginal tax rate means that your immediate additional income will be taxed at this rate.

What is considered low income in California? ›

Very-Low, Low and Moderate-Income Limits
Household SizeVery-Low IncomeModerate-Income
1$11,550 or less$19,301 - $30,850
2$13,200 or less$22,051 - $35,250
3$14,900 or less$24,801 - $39,650
4$16,550 or less$27,551 - $44,100
4 more rows

What salary is considered upper class? ›

$156,600

What is a happy salary in California? ›

A study from Purdue University and GoBankingRates.com found that you need a minimum annual salary of $145,635 to be happy in California, citing "California's notoriously high cost of living." The number is down slightly from 2022, where it cited a salary of $149,310 to be happy living in California.

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