--- title: This Simple Calculator Will Tell You Whether You're in the Middle Class description: The income calculator from Pew Research Center asks four questions about your location and earnings to determine if you're in the middle class. authors: - name: Pete Grieve role: Lead News Reporter url: https://money.com/author/pete-grieve/ bio: Pete Grieve is a personal finance reporter. In his time at Money, Pete has covered everything from car buying to credit cards to the housing market. education: University of Chicago, BA Political Science at_money_since: 2022 articles: 597 covers: - Lifestyle - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement - Shopping - Taxes social: - https://twitter.com/pete_grieve - https://linkedin.com/in/pete-grieve-b5aa02138 - https://www.facebook.com/petegrieve4 editors: - name: Kaitlin Mulhere role: Editor url: https://money.com/author/kaitlin-mulhere/ bio: Kaitlin Mulhere is an editor at Money.com. Since joining in 2015, she’s written and edited about a variety of personal finance topics, including banks, credit, student debt, saving strategies and more. education: University of Florida at_money_since: 2015 articles: 217 covers: - Lifestyle - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Retirement - Shopping - Taxes social: - https://twitter.com/KMulhere - https://www.linkedin.com/in/kaitlin-mulhere-64503048/ published: '2024-09-17T20:06:19.000Z' modified: '2024-09-25T14:54:35.000Z' section: Lifestyle tags: - News word_count: 469 canonical: https://money.com/middle-class-income-calculator-pew/ type: NewsArticle source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![This Simple Calculator Will Tell You Whether You're in the Middle Class](https://img.money.com/2024/09/News-Calculate-Your-Wealth.jpg?quality=85&w=1012&h=569&crop=1) Are you in the middle class? Many Americans like to think so, even if there are several definitions of what "middle class" actually means. The answer largely depends on how much you make and where you live, according to the nonprofit Pew Research Center, which has studied the size of the middle class for over a decade. According to the center's latest report, 52% of Americans were part of the middle class in 2022, marking a slight increase from 50% in 2015. However, this is still significantly lower than the 61% who were members of the [middle class in 1971](https://www.pewresearch.org/social-trends/2015/12/09/the-american-middle-class-is-losing-ground/). ## Lock in a lower rate and reduce your monthly mortgage payments with Rocket Mortgage (NMLS: 3030) ### Explore your refinancing options today by selecting your state. [View Rates](https://money.com/pr/r061549bae73?ap_referrer=%2Fmiddle-class-income-calculator-pew%2F) The report found that lower-income households make up 28% of the population, while 19% of Americans were in the upper-income tier. To see how you stack up, use [Pew’s updated calculator](https://www.pewresearch.org/short-reads/2024/09/16/are-you-in-the-american-middle-class/), which just asks you to enter your location, income and household size. You can also see how you compare to other people who share your demographic characteristics. If you plug in your education, age, marital status and race or ethnicity, the calculator tool will show the share of Americans with matching details who are in the middle class. ## Are you a member of the middle class? The “middle class” can be a somewhat abstract term. While definitions vary, the general concept is closely related to the idea of the “American dream,” or the promise that if you work hard at a typical job and manage your money, you should be able to buy a home, raise a family and ultimately enjoy a [comfortable retirement](https://money.com/retirement-fears-middle-class-workers/). Pew’s analysis qualifies someone as middle class if their income is between two-thirds to double the median household income. The calculator adjusts for household size so incomes are made equivalent to a family of three. For the country as a whole, the middle class income bounds were $56,600 to $169,800 in 2022, but Pew’s calculator will tell you if you're in the middle class based on where you live using income data for your metro area. In San Francisco, for example, one of the most expensive metros, it takes $66,700 of income to be at the low-end of the middle class. In Jackson, Tennessee, a cheaper metro, $49,200 is enough. The country's middle class is facing [key challenges](https://money.com/what-does-middle-class-look-like/) today, having lost buying power since 2021 due to inflation while [goals like homeownership](https://money.com/decrease-homes-middle-class-can-afford/) have also become less attainable. Addressing these issues — and bolstering the middle class — remains at the center of many political discussions going into the 2024 elections. Republicans say inflation is killing the middle class, while Democrats argue their economic platform would support the middle class through tax breaks and homebuying assistance. ## A lower rate could translate to lower payments, which means you’ll pay less for your home overall ### Locking in a lower interest rate means lower payments and more savings. Sound good? Get a free quote from Rocket Mortgage (NMLS #3030) by clicking below. [View Rates](https://money.com/pr/daf350d7fb39?ap_referrer=%2Fmiddle-class-income-calculator-pew%2F) ![](https://s3.consumersadvocate.org/prd/image/image/26689/medium_6508809f-2f35-4a12-891b-de71ec1923f4.png) A lower mortgage rate from Rocket Mortgage (NMLS #3030) could mean a lower monthly payment. [View Options](https://money.com/pr/cbc5ab89234e?ap_referrer=%2Fmiddle-class-income-calculator-pew%2F) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/middle-class-income-calculator-pew/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Lifestyle", "item": "https://money.com/lifestyle/" }, { "@type": "ListItem", "position": 3, "name": "News", "item": "https://money.com/tag/news/" }, { "@type": "ListItem", "position": 4, "name": "This Simple Calculator Will Tell You Whether You're in the Middle Class" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/middle-class-income-calculator-pew/#webpage", "url": "https://money.com/middle-class-income-calculator-pew/", "name": "This Simple Calculator Will Tell You Whether You're in the Middle Class", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2024-09-17T20:06:19.000Z", "mainEntity": { "@id": "https://money.com/middle-class-income-calculator-pew/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/middle-class-income-calculator-pew/#breadcrumb" }, "dateModified": "2024-09-25T14:54:35.000Z" }, { "@type": "NewsArticle", "headline": "This Simple Calculator Will Tell You Whether You're in the Middle Class", "articleSection": "Lifestyle", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2024/09/News-Calculate-Your-Wealth.jpg?quality=85", "width": 2598, "height": 1732 } ], "author": [ { "@type": "Person", "name": "Pete Grieve", "url": "https://money.com/author/pete-grieve/", "@id": "https://money.com/author/pete-grieve/#author", "description": "Pete Grieve is a personal finance reporter. In his time at Money, Pete has covered everything from car buying to credit cards to the housing market.", "image": "https://img.money.com/2023/02/peter.png?w=350&h=430&crop=1", "email": "peter.grieve@money.com", "jobTitle": "Lead News Reporter", "alumniOf": "University of Chicago, BA Political Science", "sameAs": [ "https://twitter.com/pete_grieve", "https://linkedin.com/in/pete-grieve-b5aa02138", "https://www.facebook.com/petegrieve4" ], "worksFor": { "@id": "https://money.com/#organization" } } ], "publisher": "https://money.com/#organization", "datePublished": "2024-09-17T20:06:19.000Z", "description": "The income calculator from Pew Research Center asks four questions about your location and earnings to determine if you're in the middle class.", "abstract": "The income calculator from Pew Research Center asks four questions about your location and earnings to determine if you're in the middle class.", "@id": "https://money.com/middle-class-income-calculator-pew/", "inLanguage": "en-US", "dateModified": "2024-09-25T14:54:35.000Z", "editor": [ { "@type": "Person", "name": "Kaitlin Mulhere", "url": "https://money.com/author/kaitlin-mulhere/", "@id": "https://money.com/author/kaitlin-mulhere/#author", "description": "Kaitlin Mulhere is an editor at Money.com. Since joining in 2015, she’s written and edited about a variety of personal finance topics, including banks, credit, student debt, saving strategies and more. ", "image": "https://img.money.com/2015/04/Kaitlin-Mulhere.png?w=226&h=247&crop=1", "email": "kaitlin.mulhere@money.com", "jobTitle": "Editor", "alumniOf": "University of Florida", "sameAs": [ "https://twitter.com/KMulhere", "https://www.linkedin.com/in/kaitlin-mulhere-64503048/" ], "worksFor": { "@id": "https://money.com/#organization" } } ], "wordCount": 469, "keywords": [ "News" ], "about": [ { "@type": "Thing", "name": "Lifestyle", "sameAs": [ "https://en.wikipedia.org/wiki/Lifestyle" ] } ] } ] } ```