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Ask Money Guy

The Income A Family Needs To Be Middle Class, By State

What does it mean to be middle class in 2025? Depending on your state, the number ranges from $49,000 to $90,000, with the national average right around $69,000. But here’s the real lesson: income labels don’t guarantee financial success – your behaviors and decisions do. We walk through the state-by-state data, share the three key ingredients to wealth creation, explain why the Financial Order of Operations is your all-terrain vehicle for financial success, and answer live listener questions on mortgages, car rules, insurance, and more.

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