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15 American Cities Where Middle-Class Incomes Stretch the Furthest

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February 20, 2025
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15 American Cities Where Middle-Class Incomes Stretch the Furthest
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San Jose Houses
pbk-pg / Shutterstock.com

Editor’s Notice: This story initially appeared on Upgraded Points.

As financial pressures mount, middle-class households throughout the U.S. are discovering it more and more troublesome to cowl important dwelling bills whereas sustaining a cushty way of life.

Rising prices for housing, well being care, little one care, and transportation have positioned extra pressure on family budgets, leaving many unable to save lots of or spend on discretionary objects.

Whereas these monetary pressures have an effect on households nationwide, the diploma to which a middle-class earnings stretches varies considerably relying on location.

To search out the cities the place the middle-class earnings stretches the furthest, researchers at Upgraded Factors analyzed information from the Financial Coverage Institute and the U.S. Census Bureau. Study extra in regards to the methodology on the finish.

Listed here are the highest cities for middle-class earners.

15. Pittsburgh, PA

Homes on a suburban Street in Shadyside, Pittsburgh
wotgat / Shutterstock.com
  • Obtainable Revenue After Requirements: $42,239
  • Median Household Revenue: $139,000
  • Revenue Required to Cowl Requirements: $96,761
  • Housing Prices: $12,709
  • Meals Prices: $12,965
  • Baby Care Prices: $22,019
  • Transportation Prices: $16,861
  • Well being Care Prices: $11,565
  • Different Requirements Prices: $9,087
  • Revenue Taxes: $11,553

14. Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

Philadelphia, downtown evening rush hour.
Sean Pavone / Shutterstock.com
  • Obtainable Revenue After Requirements: $42,289
  • Median Household Revenue: $155,000
  • Revenue Required to Cowl Requirements: $112,711
  • Housing Prices: $18,054
  • Meals Prices: $13,314
  • Baby Care Prices: $23,350
  • Transportation Prices: $17,052
  • Well being Care Prices: $14,688
  • Different Requirements Prices: $11,107
  • Revenue Taxes: $15,147

13. Denver-Aurora-Centennial, CO

New homes in the Central Park neighborhood of Denver.
photo-denver / Shutterstock.com
  • Obtainable Revenue After Requirements: $42,461
  • Median Household Revenue: $170,000
  • Revenue Required to Cowl Requirements: $127,539
  • Housing Prices: $22,504
  • Meals Prices: $13,162
  • Baby Care Prices: $29,241
  • Transportation Prices: $17,745
  • Well being Care Prices: $12,924
  • Different Requirements Prices: $12,627
  • Revenue Taxes: $19,331

12. Windfall-Warwick, RI-MA

Thomas Street in College Hill, Providence, Rhode Island
quiggyt4 / Shutterstock.com
  • Obtainable Revenue After Requirements: $43,519
  • Median Household Revenue: $152,000
  • Revenue Required to Cowl Requirements: $108,481
  • Housing Prices: $17,586
  • Meals Prices: $13,269
  • Baby Care Prices: $22,824
  • Transportation Prices: $16,266
  • Well being Care Prices: $13,637
  • Different Requirements Prices: $10,926
  • Revenue Taxes: $13,972

11. Cleveland, OH

A home in a suburb of Cleveland
Denise Kappa / Shutterstock.com
  • Obtainable Revenue After Requirements: $44,202
  • Median Household Revenue: $140,000
  • Revenue Required to Cowl Requirements: $95,798
  • Housing Prices: $11,931
  • Meals Prices: $13,447
  • Baby Care Prices: $18,909
  • Transportation Prices: $17,169
  • Well being Care Prices: $14,710
  • Different Requirements Prices: $8,982
  • Revenue Taxes: $10,658

10. Richmond, VA

Richmond Virginia homes
Noel V. Baebler / Shutterstock.com
  • Obtainable Revenue After Requirements: $45,243
  • Median Household Revenue: $151,000
  • Revenue Required to Cowl Requirements: $105,757
  • Housing Prices: $16,316
  • Meals Prices: $12,608
  • Baby Care Prices: $20,050
  • Transportation Prices: $17,951
  • Well being Care Prices: $14,186
  • Different Requirements Prices: $10,242
  • Revenue Taxes: $14,408

9. Columbus, OH

Historic homes in Columbus, Ohio
Karen and Scott Wightwick / Shutterstock.com
  • Obtainable Revenue After Requirements: $47,966
  • Median Household Revenue: $144,430
  • Revenue Required to Cowl Requirements: $96,464
  • Housing Prices: $13,749
  • Meals Prices: $11,936
  • Baby Care Prices: $18,044
  • Transportation Prices: $17,377
  • Well being Care Prices: $15,455
  • Different Requirements Prices: $9,096
  • Revenue Taxes: $10,805

8. Minneapolis-St. Paul-Bloomington, MN-WI

Downtown Minneapolis
Sam Wagner / Shutterstock.com
  • Obtainable Revenue After Requirements: $48,500
  • Median Household Revenue: $167,630
  • Revenue Required to Cowl Requirements: $119,130
  • Housing Prices: $16,908
  • Meals Prices: $13,915
  • Baby Care Prices: $27,295
  • Transportation Prices: $18,355
  • Well being Care Prices: $14,083
  • Different Requirements Prices: $10,911
  • Revenue Taxes: $17,666

7. Raleigh-Cary, NC

Homes in Raleigh, North Carolina
zimmytws / Shutterstock.com
  • Obtainable Revenue After Requirements: $52,899
  • Median Household Revenue: $160,000
  • Revenue Required to Cowl Requirements: $107,101
  • Housing Prices: $16,706
  • Meals Prices: $13,039
  • Baby Care Prices: $17,906
  • Transportation Prices: $19,427
  • Well being Care Prices: $14,856
  • Different Requirements Prices: $10,537
  • Revenue Taxes: $14,621

6. Boston-Cambridge-Newton, MA-NH

View of Harvard Square in Cambridge, Massachusetts, USA.
LnP photographs / Shutterstock.com
  • Obtainable Revenue After Requirements: $54,229
  • Median Household Revenue: $200,000
  • Revenue Required to Cowl Requirements: $145,771
  • Housing Prices: $28,819
  • Meals Prices: $14,179
  • Baby Care Prices: $30,747
  • Transportation Prices: $17,605
  • Well being Care Prices: $14,735
  • Different Requirements Prices: $15,224
  • Revenue Taxes: $24,465

5. Austin-Spherical Rock-San Marcos, TX

Row houses in Austin, Texas
Tricia Daniel / Shutterstock.com
  • Obtainable Revenue After Requirements: $56,546
  • Median Household Revenue: $164,000
  • Revenue Required to Cowl Requirements: $107,454
  • Housing Prices: $19,407
  • Meals Prices: $11,981
  • Baby Care Prices: $19,652
  • Transportation Prices: $18,444
  • Well being Care Prices: $15,546
  • Different Requirements Prices: $11,112
  • Revenue Taxes: $11,315

4. Baltimore-Columbia-Towson, MD

Townson Maryland
Jon Bilous / Shutterstock.com
  • Obtainable Revenue After Requirements: $57,059
  • Median Household Revenue: $167,550
  • Revenue Required to Cowl Requirements: $110,491
  • Housing Prices: $19,257
  • Meals Prices: $13,297
  • Baby Care Prices: $21,298
  • Transportation Prices: $17,700
  • Well being Care Prices: $12,440
  • Different Requirements Prices: $11,523
  • Revenue Taxes: $14,975

3. Seattle-Tacoma-Bellevue, WA

Tacoma, Washington
Sean Pavone / Shutterstock.com
  • Obtainable Revenue After Requirements: $61,344
  • Median Household Revenue: $188,560
  • Revenue Required to Cowl Requirements: $127,216
  • Housing Prices: $27,127
  • Meals Prices: $14,073
  • Baby Care Prices: $24,511
  • Transportation Prices: $17,496
  • Well being Care Prices: $13,614
  • Different Requirements Prices: $14,588
  • Revenue Taxes: $15,801

2. Washington-Arlington-Alexandria, DC-VA-MD-WV

Arlington, Virginia
Jon Bilous / Shutterstock.com
  • Obtainable Revenue After Requirements: $64,686
  • Median Household Revenue: $195,700
  • Revenue Required to Cowl Requirements: $131,014
  • Housing Prices: $21,869
  • Meals Prices: $14,139
  • Baby Care Prices: $30,356
  • Transportation Prices: $17,302
  • Well being Care Prices: $13,654
  • Different Requirements Prices: $12,750
  • Revenue Taxes: $20,943

1. San Jose-Sunnyvale-Santa Clara, CA

The skyline of San Jose
stellamc / Shutterstock.com
  • Obtainable Revenue After Requirements: $65,798
  • Median Household Revenue: $230,000
  • Revenue Required to Cowl Requirements: $164,202
  • Housing Prices: $34,993
  • Meals Prices: $14,221
  • Baby Care Prices: $32,372
  • Transportation Prices: $18,891
  • Well being Care Prices: $16,436
  • Different Requirements Prices: $17,423
  • Revenue Taxes: $29,856

Methodology

Business analyst woman working in an office on a computer and analyzing data
Undrey / Shutterstock.com

This evaluation utilized information from the Financial Coverage Institute’s Family Budget Calculator and the U.S. Census Bureau’s 2023 American Community Survey Public Use Microdata Sample 1-Year Estimates.

The objective was to find out the place within the U.S. a middle-class earnings stretches the furthest. Researchers at Upgraded Factors calculated the out there earnings after requirements for every location. This metric represents the distinction between the median household earnings and the earnings required to cowl important bills.

To make sure consistency, the evaluation centered completely on single-family households with two adults and two youngsters. In consequence, the median household earnings displays solely these households, and the price of requirements corresponds to the bills required to take care of a modest but ample lifestyle for this particular household composition.

Important bills included on this calculation cowl housing, meals, little one care, transportation, well being care, different requirements, and taxes.

Information on the county degree was aggregated to metropolitan areas and states utilizing population-weighted averages to supply regional comparisons.

To protect information accuracy, metropolitan areas with inconsistent mappings between datasets or massive margins of error have been excluded. All financial values are reported in 2023 {dollars}.



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