Here’s How Much You Need To Earn To Be ‘Rich’ in Every State

Comedian Chris Rock has an old joke about how bad Bill Gates would feel if he woke up one day with Oprah’s money. The point was that “rich” is a subjective term. The same holds true if you make a lot of money in America — where you live has a lot to do with whether you can think of yourself as truly wealthy.

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To get an idea of what it means to be rich in America, GOBankingRates used IRS data to conduct a study of the top incomes as they break down by state. It lays out what income level is needed to place you in the top 5% and the top 1% of incomes within your state.

Check out how much money you need to be “rich” in your state.

• Average adjusted gross income of the top 5%: $675,561
• The minimum you need to make to be in the top 5%: $194,473
• Average adjusted gross income of the top 1%: $2,245,174
• The minimum you need to make to be in the top 1%: $188,693

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• Average adjusted gross income of the top 5%: $406,076
• The minimum you need to make to be in the top 5%: $188,144
• Average adjusted gross income of the top 1%: $1,002,454
• The minimum you need to make to be in the top 1%: $226,489

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• Average adjusted gross income of the top 5%: $410,354
• The minimum you need to make to be in the top 5%: $210,294
• Average adjusted gross income of the top 1%: $936,890
• The minimum you need to make to be in the top 1%: $238,671

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• Average adjusted gross income of the top 5%: $464,179
• The minimum you need to make to be in the top 5%: $203,849
• Average adjusted gross income of the top 1%: $1,173,821
• The minimum you need to make to be in the top 1%: $250,253

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• Average adjusted gross income of the top 5%: $494,910
• The minimum you need to make to be in the top 5%: $185,567
• Average adjusted gross income of the top 1%: $1,414,152
• The minimum you need to make to be in the top 1%: $285,414

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• Average adjusted gross income of the top 5%: $436,983
• The minimum you need to make to be in the top 5%: $202,834
• Average adjusted gross income of the top 1%: $1,095,713
• The minimum you need to make to be in the top 1%: $326,408

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• Average adjusted gross income of the top 5%: $417,789
• The minimum you need to make to be in the top 5%: $179,579
• Average adjusted gross income of the top 1%: $1,078,275
• The minimum you need to make to be in the top 1%: $352,036

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• Average adjusted gross income of the top 5%: $456,877
• The minimum you need to make to be in the top 5%: $201,027
• Average adjusted gross income of the top 1%: $1,187,791
• The minimum you need to make to be in the top 1%: $371,024

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• Average adjusted gross income of the top 5%: $369,120
• The minimum you need to make to be in the top 5%: $177,784
• Average adjusted gross income of the top 1%: $870,414
• The minimum you need to make to be in the top 1%: $461,534

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• Average adjusted gross income of the top 5%: $547,212
• The minimum you need to make to be in the top 5%: $232,884
• Average adjusted gross income of the top 1%: $1,460,801
• The minimum you need to make to be in the top 1%: $486,812

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• Average adjusted gross income of the top 5%: $393,244
• The minimum you need to make to be in the top 5%: $194,185
• Average adjusted gross income of the top 1%: $929,822
• The minimum you need to make to be in the top 1%: $486,885

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• Average adjusted gross income of the top 5%: $296,752
• The minimum you need to make to be in the top 5%: $156,296
• Average adjusted gross income of the top 1%: $667,368
• The minimum you need to make to be in the top 1%: $536,706

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• Average adjusted gross income of the top 5%: $429,389
• The minimum you need to make to be in the top 5%: $180,694
• Average adjusted gross income of the top 1%: $1,138,855
• The minimum you need to make to be in the top 1%: $542,846

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• Average adjusted gross income of the top 5%: $437,912
• The minimum you need to make to be in the top 5%: $189,432
• Average adjusted gross income of the top 1%: $1,147,617
• The minimum you need to make to be in the top 1%: $618,967

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• Average adjusted gross income of the top 5%: $347,186
• The minimum you need to make to be in the top 5%: $169,544
• Average adjusted gross income of the top 1%: $837,388
• The minimum you need to make to be in the top 1%: $652,973

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• Average adjusted gross income of the top 5%: $316,218
• The minimum you need to make to be in the top 5%: $154,076
• Average adjusted gross income of the top 1%: $759,755
• The minimum you need to make to be in the top 1%: $856,502

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• Average adjusted gross income of the top 5%: $460,231
• The minimum you need to make to be in the top 5%: $167,995
• Average adjusted gross income of the top 1%: $1,378,629
• The minimum you need to make to be in the top 1%: $862,972

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• Average adjusted gross income of the top 5%: $480,214
• The minimum you need to make to be in the top 5%: $195,014
• Average adjusted gross income of the top 1%: $1,314,656
• The minimum you need to make to be in the top 1%: $916,179

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• Average adjusted gross income of the top 5%: $517,405
• The minimum you need to make to be in the top 5%: $198,875
• Average adjusted gross income of the top 1%: $1,461,523
• The minimum you need to make to be in the top 1%: $929,210

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• Average adjusted gross income of the top 5%: $399,217
• The minimum you need to make to be in the top 5%: $184,729
• Average adjusted gross income of the top 1%: $998,306
• The minimum you need to make to be in the top 1%: $1,002,590

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• Average adjusted gross income of the top 5%: $653,809
• The minimum you need to make to be in the top 5%: $187,250
• Average adjusted gross income of the top 1%: $2,184,285
• The minimum you need to make to be in the top 1%: $1,021,773

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• Average adjusted gross income of the top 5%: $423,236
• The minimum you need to make to be in the top 5%: $180,281
• Average adjusted gross income of the top 1%: $1,109,039
• The minimum you need to make to be in the top 1%: $1,141,290

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• Average adjusted gross income of the top 5%: $916,467
• The minimum you need to make to be in the top 5%: $284,571
• Average adjusted gross income of the top 1%: $2,840,261
• The minimum you need to make to be in the top 1%: $1,214,099

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• Average adjusted gross income of the top 5%: $392,940
• The minimum you need to make to be in the top 5%: $168,243
• Average adjusted gross income of the top 1%: $1,047,733
• The minimum you need to make to be in the top 1%: $1,326,353

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• Average adjusted gross income of the top 5%: $421,111
• The minimum you need to make to be in the top 5%: $182,159
• Average adjusted gross income of the top 1%: $1,095,274
• The minimum you need to make to be in the top 1%: $1,373,267

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• Average adjusted gross income of the top 5%: $469,205
• The minimum you need to make to be in the top 5%: $208,235
• Average adjusted gross income of the top 1%: $1,193,735
• The minimum you need to make to be in the top 1%: $1,375,913

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• Average adjusted gross income of the top 5%: $391,345
• The minimum you need to make to be in the top 5%: $176,514
• Average adjusted gross income of the top 1%: $999,352
• The minimum you need to make to be in the top 1%: $1,434,586

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• Average adjusted gross income of the top 5%: $417,071
• The minimum you need to make to be in the top 5%: $184,484
• Average adjusted gross income of the top 1%: $1,064,627
• The minimum you need to make to be in the top 1%: $1,576,731

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• Average adjusted gross income of the top 5%: $529,895
• The minimum you need to make to be in the top 5%: $222,531
• Average adjusted gross income of the top 1%: $1,405,745
• The minimum you need to make to be in the top 1%: $1,909,454

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• Average adjusted gross income of the top 5%: $601,099
• The minimum you need to make to be in the top 5%: $241,394
• Average adjusted gross income of the top 1%: $1,645,616
• The minimum you need to make to be in the top 1%: $1,921,517

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• Average adjusted gross income of the top 5%: $457,214
• The minimum you need to make to be in the top 5%: $184,534
• Average adjusted gross income of the top 1%: $1,264,240
• The minimum you need to make to be in the top 1%: $1,939,775

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• Average adjusted gross income of the top 5%: $447,181
• The minimum you need to make to be in the top 5%: $186,922
• Average adjusted gross income of the top 1%: $1,203,326
• The minimum you need to make to be in the top 1%: $1,973,354

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• Average adjusted gross income of the top 5%: $535,350
• The minimum you need to make to be in the top 5%: $242,113
• Average adjusted gross income of the top 1%: $1,368,091
• The minimum you need to make to be in the top 1%: $2,095,881

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• Average adjusted gross income of the top 5%: $478,462
• The minimum you need to make to be in the top 5%: $184,116
• Average adjusted gross income of the top 1%: $1,346,134
• The minimum you need to make to be in the top 1%: $2,120,576

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• Average adjusted gross income of the top 5%: $396,034
• The minimum you need to make to be in the top 5%: $176,199
• Average adjusted gross income of the top 1%: $1,017,307
• The minimum you need to make to be in the top 1%: $2,162,591

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• Average adjusted gross income of the top 5%: $474,189
• The minimum you need to make to be in the top 5%: $198,158
• Average adjusted gross income of the top 1%: $1,268,048
• The minimum you need to make to be in the top 1%: $2,176,148

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• Average adjusted gross income of the top 5%: $842,977
• The minimum you need to make to be in the top 5%: $287,128
• Average adjusted gross income of the top 1%: $2,539,953
• The minimum you need to make to be in the top 1%: $2,380,834

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• Average adjusted gross income of the top 5%: $654,926
• The minimum you need to make to be in the top 5%: $258,985
• Average adjusted gross income of the top 1%: $1,801,457
• The minimum you need to make to be in the top 1%: $2,542,112

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• Average adjusted gross income of the top 5%: $547,782
• The minimum you need to make to be in the top 5%: $246,917
• Average adjusted gross income of the top 1%: $1,412,355
• The minimum you need to make to be in the top 1%: $2,770,602

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• Average adjusted gross income of the top 5%: $694,357
• The minimum you need to make to be in the top 5%: $282,184
• Average adjusted gross income of the top 1%: $1,855,914
• The minimum you need to make to be in the top 1%: $3,055,574

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• Average adjusted gross income of the top 5%: $510,511
• The minimum you need to make to be in the top 5%: $205,702
• Average adjusted gross income of the top 1%: $1,386,410
• The minimum you need to make to be in the top 1%: $3,180,691

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• Average adjusted gross income of the top 5%: $460,030
• The minimum you need to make to be in the top 5%: $199,164
• Average adjusted gross income of the top 1%: $1,188,279
• The minimum you need to make to be in the top 1%: $3,227,607

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• Average adjusted gross income of the top 5%: $465,295
• The minimum you need to make to be in the top 5%: $190,597
• Average adjusted gross income of the top 1%: $1,281,016
• The minimum you need to make to be in the top 1%: $3,286,929

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• Average adjusted gross income of the top 5%: $420,927
• The minimum you need to make to be in the top 5%: $180,485
• Average adjusted gross income of the top 1%: $1,100,839
• The minimum you need to make to be in the top 1%: $3,871,661

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• Average adjusted gross income of the top 5%: $631,236
• The minimum you need to make to be in the top 5%: $228,565
• Average adjusted gross income of the top 1%: $1,842,478
• The minimum you need to make to be in the top 1%: $4,196,255

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• Average adjusted gross income of the top 5%: $509,902
• The minimum you need to make to be in the top 5%: $209,157
• Average adjusted gross income of the top 1%: $1,372,479
• The minimum you need to make to be in the top 1%: $4,296,323

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• Average adjusted gross income of the top 5%: $844,193
• The minimum you need to make to be in the top 5%: $242,506
• Average adjusted gross income of the top 1%: $2,739,623
• The minimum you need to make to be in the top 1%: $6,805,717

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• Average adjusted gross income of the top 5%: $682,615
• The minimum you need to make to be in the top 5%: $203,827
• Average adjusted gross income of the top 1%: $2,190,557
• The minimum you need to make to be in the top 1%: $7,140,788

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• Average adjusted gross income of the top 5%: $585,405
• The minimum you need to make to be in the top 5%: $216,799
• Average adjusted gross income of the top 1%: $1,681,737
• The minimum you need to make to be in the top 1%: $8,751,910

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• Average adjusted gross income of the top 5%: $758,257
• The minimum you need to make to be in the top 5%: $266,020
• Average adjusted gross income of the top 1%: $2,238,758
• The minimum you need to make to be in the top 1%: $12,715,259

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• Average adjusted gross income of the top 5%: $591,187
• The minimum you need to make to be in the top 5%: $219,840
• Average adjusted gross income of the top 1%: $1,697,006
• The minimum you need to make to be in the top 1%: $545,978

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John Csiszar contributed to the reporting for this article. 

Methodology: GOBankingRates analyzed IRS data for the 2018 tax year to find (1) the average adjusted gross income of the top 5% of filers, (2) the adjusted gross income cutoff for the top 5% of filers, (3) the average adjusted gross income of the top 1% of filers, and (4) the adjusted gross income cutoff for the top 1% of filers. All data was collected on and up to date as of Feb. 16, 2021.