How Does Your Disposable Income Compare to the Average in Your State?

According to the 50/30/20 budgeting rule, you should be able to set aside 30% of your income for “wants.” But for many Americans, that’s far from reality. In some states, the average person barely has anything left after covering basic needs.

To find the states where the average earner has the most and least disposable income, CashNetUSA used MIT and Bureau of Labor Statistics data on cost of living and salaries nationwide to calculate the difference between the average cost of living and the average salary in every state.

In Washington, the state where Americans have the most disposable income, single people have an average of $23,301 in expendable income annually. But in Hawaii, the average single person only has $2,979 in expendable income each year — the least of any state.

Here’s a look at how much disposable income the average person has in each state. How do you stack up?

Also see the average overall salary in America.

• Mean annual wage: $53,400  
• Annual cost of living: $42,632  
• Leftover expendable annual income: $10,768 

• Mean annual wage: $69,880  
• Annual cost of living: $50,145  
• Leftover expendable annual income: $19,735 

• Mean annual wage: $63,040  
• Annual cost of living: $50,803  
• Leftover expendable annual income: $12,237 

• Mean annual wage: $51,250  
• Annual cost of living: $40,539  
• Leftover expendable annual income: $10,711 

• Mean annual wage: $76,960  
• Annual cost of living: $59,741  
• Leftover expendable annual income: $17,219 

• Mean annual wage: $71,960  
• Annual cost of living: $52,981  
• Leftover expendable annual income: $18,979 

• Mean annual wage: $73,740 
• Annual cost of living: $52,581  
• Leftover expendable annual income: $21,159 

• Mean annual wage: $65,990  
• Annual cost of living: $48,744  
• Leftover expendable annual income: $17,246 

• Mean annual wage: $60,210  
• Annual cost of living: $48,684  
• Leftover expendable annual income: $11,526 

• Mean annual wage: $61,250  
• Annual cost of living: $49,791  
• Leftover expendable annual income: $11,459 

• Mean annual wage: $65,030  
• Annual cost of living: $62,233  
• Leftover expendable annual income: $2,797 

• Mean annual wage: $55,640  
• Annual cost of living: $48,215  
• Leftover expendable annual income: $7,425 

• Mean annual wage: $67,130  
• Annual cost of living: $49,010  
• Leftover expendable annual income: $18,120 

• Mean annual wage: $56,420  
• Annual cost of living: $43,279  
• Leftover expendable annual income: $13,141 

• Mean annual wage: $56,400  
• Annual cost of living: $43,453  
• Leftover expendable annual income: $12,947 

• Mean annual wage: $56,270  
• Annual cost of living: $43,796  
• Leftover expendable annual income: $12,474 

• Mean annual wage: $54,030  
• Annual cost of living: $41,796  
• Leftover expendable annual income: $12,234 

• Mean annual wage: $53,440  
• Annual cost of living: $42,664  
• Leftover expendable annual income: $10,776 

• Mean annual wage: $60,000  
• Annual cost of living: $48,291  
• Leftover expendable annual income: $11,709 

• Mean annual wage: $73,620  
• Annual cost of living: $54,429  
• Leftover expendable annual income: $19,191 

• Mean annual wage: $80,330  
• Annual cost of living: $60,079  
• Leftover expendable annual income: $20,251 

• Mean annual wage: $60,600  
• Annual cost of living: $43,608  
• Leftover expendable annual income: $16,992 

• Mean annual wage: $66,700  
• Annual cost of living: $45,865  
• Leftover expendable annual income: $20,835 

• Mean annual wage: $47,570  
• Annual cost of living: $43,159  
• Leftover expendable annual income: $4,411 

• Mean annual wage: $57,580  
• Annual cost of living: $43,412  
• Leftover expendable annual income: $14,168 

• Mean annual wage: $55,920  
• Annual cost of living: $46,431  
• Leftover expendable annual income: $9,489 

• Mean annual wage: $58,080  
• Annual cost of living: $43,654  
• Leftover expendable annual income: $14,426 

• Mean annual wage: $58,900  
• Annual cost of living: $49,599  
• Leftover expendable annual income: $9,301 

• Mean annual wage: $66,110  
• Annual cost of living: $51,552  
• Leftover expendable annual income: $14,558 

• Mean annual wage: $73,980  
• Annual cost of living: $54,502  
• Leftover expendable annual income: $19,478 

• Mean annual wage: $57,520  
• Annual cost of living: $43,710  
• Leftover expendable annual income: $13,810 

• Mean annual wage: $78,620  
• Annual cost of living: $57,338  
• Leftover expendable annual income: $21,282 

• Mean annual wage: $59,730  
• Annual cost of living: $46,876  
• Leftover expendable annual income: $12,854 

• Mean annual wage: $59,050  
• Annual cost of living: $41,146  
• Leftover expendable annual income: $17,904 

• Mean annual wage: $59,890  
• Annual cost of living: $42,400  
• Leftover expendable annual income: $17,490 

• Mean annual wage: $53,450  
• Annual cost of living: $42,135  
• Leftover expendable annual income: $11,315 

• Mean annual wage: $66,710  
• Annual cost of living: $52,329  
• Leftover expendable annual income: $14,381 

• Mean annual wage: $61,920  
• Annual cost of living: $47,657  
• Leftover expendable annual income: $14,263 

• Mean annual wage: $66,610  
• Annual cost of living: $50,669  
• Leftover expendable annual income: $15,941 

• Mean annual wage: $54,250  
• Annual cost of living: $46,082  
• Leftover expendable annual income: $8,168 

• Mean annual wage: $53,230  
• Annual cost of living: $41,079  
• Leftover expendable annual income: $12,151 

• Mean annual wage: $56,030  
• Annual cost of living: $45,736  
• Leftover expendable annual income: $10,294 

• Mean annual wage: $61,240  
• Annual cost of living: $45,387  
• Leftover expendable annual income: $15,853 

• Mean annual wage: $61,070  
• Annual cost of living: $49,737  
• Leftover expendable annual income: $11,333 

• Mean annual wage: $62,780  
• Annual cost of living: $49,825  
• Leftover expendable annual income: $12,955 

• Mean annual wage: $70,050  
• Annual cost of living: $53,354  
• Leftover expendable annual income: $16,992 

• Mean annual wage: $78,130 
• Annual cost of living: $54,829  
• Leftover expendable annual income: $23,301 

• Mean annual wage: $52,200  
• Annual cost of living: $40,416  
• Leftover expendable annual income: $11,784 

• Mean annual wage: $59,500  
• Annual cost of living: $43,599  
• Leftover expendable annual income: $15,901 

• Mean annual wage: $57,930  
• Annual cost of living: $43,973  
• Leftover expendable annual income: $13,957

Editor’s note: Data was sourced from CashNetUSA and is accurate as of June 18, 2025.