GOBankingRates

What Income Level Is Considered Middle Class in Your State?

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What is considered middle class? It might take more money than you think to reach this income tier. The Pew Research Center defines middle class, or middle-income households, as those with incomes that are two-thirds to double the U.S. median household income.

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However, because the cost of living and average income varies so widely from state to state, the income needed to be "middle class" in one state could be much more or less than what it takes to be middle class in another. Using Pew's definition of middle class, GOBankingRates analyzed data from the U.S. Census Bureau's 2018 American Community Survey to determine how much two-, three- and four-person families need to earn in every state to qualify for this classification.

Find out the states where it's easiest to be middle class.

Last updated: June 17, 2021

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Alabama

  • 2-person family middle-class income range: $37,172.94 to $110,964
  • 3-person family middle-class income range: $42,604.63 to $127,178
  • 4-person family middle-class income range: $52,438.89 to $156,534

See: States Where It's Easiest To Go From Middle Class to Upper Class

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Alaska

  • 2-person family middle-class income range: $56,330.92 to $168,152
  • 3-person family middle-class income range: $60,428.64 to $180,384
  • 4-person family middle-class income range: $69,665.26 to $207,956

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Arizona

  • 2-person family middle-class income range: $42,284.37 to $126,222
  • 3-person family middle-class income range: $45,197.53 to $134,918
  • 4-person family middle-class income range: $53,119.61 to $158,566

Read: 21 Tips To Climb the Career Ladder

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Arkansas

  • 2-person family middle-class income range: $35,087.23 to $104,738
  • 3-person family middle-class income range: $38,855.31 to $115,986
  • 4-person family middle-class income range: $46,507.38 to $138,828

Read: 17 Biggest Budgeting Mistakes You’re Making

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California

  • 2-person family middle-class income range: $50,117.34 to $149,604
  • 3-person family middle-class income range: $54,870.99 to $163,794
  • 4-person family middle-class income range: $62,647.68 to $187,008

Helpful: 19 Effective Ways To Tackle Your Budget

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Colorado

  • 2-person family middle-class income range: $51,695.19 to $154,314
  • 3-person family middle-class income range: $57,772.76 to $172,456
  • 4-person family middle-class income range: $67,509.20 to $201,520

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Connecticut

  • 2-person family middle-class income range: $56,695.40 to $169,240
  • 3-person family middle-class income range: $66,263 to $197,800
  • 4-person family middle-class income range: $80,839.52 to $241,312

Read: Tips To Keep Your Finances in Order Without Sacrificing What You Want

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Delaware

  • 2-person family middle-class income range: $47,450.07 to $141,642
  • 3-person family middle-class income range: $55,792.91 to $166,546
  • 4-person family middle-class income range: $67,502.50 to $201,500

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Florida

  • 2-person family middle-class income range: $39,789.96 to $118,776
  • 3-person family middle-class income range: $43,393.89 to $129,534
  • 4-person family middle-class income range: $51,789.66 to $154,596

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Georgia

  • 2-person family middle-class income range: $40,845.21 to $121,926
  • 3-person family middle-class income range: $46,002.20 to $137,320
  • 4-person family middle-class income range: $53,740.03 to $160,418

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Hawaii

  • 2-person family middle-class income range: $51,397.71 to $153,426
  • 3-person family middle-class income range: $61,821.57 to $184,542
  • 4-person family middle-class income range: $69,842.14 to $208,484

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Idaho

  • 2-person family middle-class income range: $39,885.10 to $119,060
  • 3-person family middle-class income range: $43,232.42 to $129,052
  • 4-person family middle-class income range: $50,060.39 to $149,434

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Illinois

  • 2-person family middle-class income range: $47,116.41 to $140,646
  • 3-person family middle-class income range: $54,310.87 to $162,122
  • 4-person family middle-class income range: $65,412.77 to $195,262

Read: The Upper Class Has Taken Over These 50 Cities

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Indiana

  • 2-person family middle-class income range: $40,695.80 to $121,480
  • 3-person family middle-class income range: $47,411.21 to $141,526
  • 4-person family middle-class income range: $55,750.03 to $166,418

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Iowa

  • 2-person family middle-class income range: $44,792.18 to $133,708
  • 3-person family middle-class income range: $51,367.56 to $153,336
  • 4-person family middle-class income range: $61,254.08 to $182,848

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Kansas

  • 2-person family middle-class income range: $44,103.42 to $131,652
  • 3-person family middle-class income range: $50,075.80 to $149,480
  • 4-person family middle-class income range: $58,316.13 to $174,078

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Kentucky

  • 2-person family middle-class income range: $36,106.97 to $107,782
  • 3-person family middle-class income range: $42,429.09 to $126,654
  • 4-person family middle-class income range: $52,059 to $155,400

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Louisiana

  • 2-person family middle-class income range: $36,315.34 to $108,404
  • 3-person family middle-class income range: $42,047.19 to $125,514
  • 4-person family middle-class income range: $53,242.89 to $158,934

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Maine

  • 2-person family middle-class income range: $42,119.55 to $125,730
  • 3-person family middle-class income range: $50,917.32 to $151,992
  • 4-person family middle-class income range: $60,412.56 to $180,336

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Maryland

  • 2-person family middle-class income range: $58,147.96 to $173,576
  • 3-person family middle-class income range: $68,045.87 to $203,122
  • 4-person family middle-class income range: $80,429.48 to $240,088

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Massachusetts

  • 2-person family middle-class income range: $54,438.17 to $162,502
  • 3-person family middle-class income range: $68,368.81 to $204,086
  • 4-person family middle-class income range: $83,974.45 to $250,670

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Michigan

  • 2-person family middle-class income range: $41,073.68 to $122,608
  • 3-person family middle-class income range: $49,233.61 to $146,966
  • 4-person family middle-class income range: $60,088.28 to $179,368

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Minnesota

  • 2-person family middle-class income range: $50,252.01 to $150,006
  • 3-person family middle-class income range: $60,824.61 to $181,566
  • 4-person family middle-class income range: $72,837.71 to $217,426

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Mississippi

  • 2-person family middle-class income range: $33,585.09 to $100,254
  • 3-person family middle-class income range: $36,874.79 to $110,074
  • 4-person family middle-class income range: $44,646.79 to $133,274

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Missouri

  • 2-person family middle-class income range: $40,137.02 to $119,812
  • 3-person family middle-class income range: $47,224.28 to $140,968
  • 4-person family middle-class income range: $56,973.45 to $170,070

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Montana

  • 2-person family middle-class income range: $41,358.43 to $123,458
  • 3-person family middle-class income range: $47,905.67 to $143,002
  • 4-person family middle-class income range: $57,155.02 to $170,612

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Nebraska

  • 2-person family middle-class income range: $45,617.62 to $136,172
  • 3-person family middle-class income range: $51,282.47 to $153,082
  • 4-person family middle-class income range: $60,474.87 to $180,522

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Nevada

  • 2-person family middle-class income range: $42,436.46 to $126,676
  • 3-person family middle-class income range: $46,585.10 to $139,060
  • 4-person family middle-class income range: $52,754.46 to $157,476

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New Hampshire

  • 2-person family middle-class income range: $51,969.89 to $155,134
  • 3-person family middle-class income range: $63,278.82 to $188,892
  • 4-person family middle-class income range: $77,816.48 to $232,288

See: 42 Easy Ways To Save For Retirement

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New Jersey

  • 2-person family middle-class income range: $54,144.71 to $161,626
  • 3-person family middle-class income range: $67,765.81 to $202,286
  • 4-person family middle-class income range: $82,698.10 to $246,860

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New Mexico

  • 2-person family middle-class income range: $38,553.14 to $115,084
  • 3-person family middle-class income range: $38,622.15 to $115,290
  • 4-person family middle-class income range: $43,667.92 to $130,352

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New York

  • 2-person family middle-class income range: $46,597.83 to $139,098
  • 3-person family middle-class income range: $55,155.74 to $164,644
  • 4-person family middle-class income range: $67,252.59 to $200,754

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North Carolina

  • 2-person family middle-class income range: $39,766.51 to $118,706
  • 3-person family middle-class income range: $44,938.24 to $134,144
  • 4-person family middle-class income range: $54,094.46 to $161,476

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North Dakota

  • 2-person family middle-class income range: $50,524.70 to $150,820
  • 3-person family middle-class income range: $56,369.11 to $168,266
  • 4-person family middle-class income range: $67,521.93 to $201,558

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Ohio

  • 2-person family middle-class income range: $41,263.96 to $123,176
  • 3-person family middle-class income range: $48,556.91 to $144,946
  • 4-person family middle-class income range: $58,955.98 to $175,988

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Oklahoma

  • 2-person family middle-class income range: $39,604.37 to $118,222
  • 3-person family middle-class income range: $43,061.57 to $128,542
  • 4-person family middle-class income range: $49,231.60 to $146,960

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Oregon

  • 2-person family middle-class income range: $44,341.27 to $132,362
  • 3-person family middle-class income range: $50,984.32 to $152,192
  • 4-person family middle-class income range: $59,710.40 to $178,240

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Pennsylvania

  • 2-person family middle-class income range: $43,328.90 to $129,340
  • 3-person family middle-class income range: $53,888.10 to $160,860
  • 4-person family middle-class income range: $64,841.26 to $193,556

Related: How Much You Need To Be in the Top 5% in Every State

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Rhode Island

  • 2-person family middle-class income range: $48,213.20 to $143,920
  • 3-person family middle-class income range: $55,043.85 to $164,310
  • 4-person family middle-class income range: $69,286.71 to $206,826

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South Carolina

  • 2-person family middle-class income range: $39,337.04 to $117,424
  • 3-person family middle-class income range: $42,692.40 to $127,440
  • 4-person family middle-class income range: $51,590 to $154,000

Read: Why It’s Harder To Save For Retirement Today Than 50 Years Ago

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South Dakota

  • 2-person family middle-class income range: $44,333.90 to $132,340
  • 3-person family middle-class income range: $49,529.08 to $147,848
  • 4-person family middle-class income range: $57,928.87 to $172,922

See: 10 Signs You’re Not Saving Enough for Retirement

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Tennessee

  • 2-person family middle-class income range: $38,167.22 to $113,932
  • 3-person family middle-class income range: $43,790.53 to $130,718
  • 4-person family middle-class income range: $51,220.83 to $152,898

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Texas

  • 2-person family middle-class income range: $43,321.53 to $129,318
  • 3-person family middle-class income range: $47,581.39 to $142,034
  • 4-person family middle-class income range: $54,994.94 to $164,164

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Utah

  • 2-person family middle-class income range: $44,442.44 to $132,664
  • 3-person family middle-class income range: $51,330.71 to $153,226
  • 4-person family middle-class income range: $57,409.62 to $171,372

Read More: Is Now a Good Time To Raid Your 401(k)?

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Vermont

  • 2-person family middle-class income range: $46,184.44 to $137,864
  • 3-person family middle-class income range: $54,231.14 to $161,884
  • 4-person family middle-class income range: $63,166.26 to $188,556

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Virginia

  • 2-person family middle-class income range: $51,174.60 to $152,760
  • 3-person family middle-class income range: $59,441.06 to $177,436
  • 4-person family middle-class income range: $70,116.84 to $209,304

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Washington

  • 2-person family middle-class income range: $51,331.38 to $153,228
  • 3-person family middle-class income range: $58,312.78 to $174,068
  • 4-person family middle-class income range: $68,185.23 to $203,538

Read: 10 Simple Habits of Money-Smart Individuals

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West Virginia

  • 2-person family middle-class income range: $34,203.50 to $102,100
  • 3-person family middle-class income range: $41,735.64 to $124,584
  • 4-person family middle-class income range: $49,760.90 to $148,540

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Wisconsin

  • 2-person family middle-class income range: $44,306.43 to $132,258
  • 3-person family middle-class income range: $53,190.63 to $158,778
  • 4-person family middle-class income range: $64,167.91 to $191,546

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Wyoming

  • 2-person family middle-class income range: $47,764.30 to $142,580
  • 3-person family middle-class income range: $53,187.95 to $158,770
  • 4-person family middle-class income range: $61,159.61 to $182,566

    Cynthia Measom contributed to the reporting of this article.

    Methodology: GOBankingRates found how much the middle class earns in every state by analyzing the U.S. Census Bureau’s 2018 American Community Survey data to determine how much a two-, three- and four-person middle-class family earns. Pew Research Center defines middle class as making two-thirds (67%) to double (200%) the national median income. For this study, GOBankingRates assumed that a middle-class family earns two-thirds to double the median income for a family of its size in its state. In order to find out how much a middle-class family is earning, GOBankingRates multiplied each median income by 0.67 for the lower limit and by 2 for the upper limit. Data is accurate as of June 22, 2020.