Here's how much you need to earn to be middle class in each big US city

Most Americans consider themselves middle class, but in reality, the cutoffs are more limiting. In some states, just over 40% of residents fall into the middle-income bracket.

This chart shows exactly how much it takes in each major US city to be considered upper, middle, and lower class.

A Business Insider analysis of US Census Bureau data for about 400 metropolitan areas reveals that in some parts of the Bay Area, your household needs to make six figures to be considered middle class, while in a few cities in the South, making six figures is upper class.

Inspired by a GoBankingRates analysis, BI looked at all large metro areas tracked by the US Census Bureau in 2022. BI determined middle-class cutoffs using the Pew Research Center's definition of earning between two-thirds and double each metro's median income.

Metro areas with the highest middle class cutoffs:

In the San Jose-Sunnyvale-Santa Clara metro area in California, being middle class means a household must earn between $99,267 and $297,800. Meanwhile, in Pine Bluff, Arkansas, middle-class households make between $29,509 and $88,526.

The Census Bureau notes the real median household income nationally was $74,580 in 2022. This would be considered below middle class in the San Francisco-Oakland-Berkeley and the Washington DC-Arlington-Alexandria metro areas.

Many of the highest-cutoff metro areas are in the West, with seven of the top 20 in California, two in Colorado and Washington, and one in Utah. Among the lowest 20, almost all were in the South, in states like Arkansas, Texas, and Georgia.

Metro areas with the lowest middle class cutoffs:

The New York-Newark-Jersey City metro area was outside the top 20 with cutoffs of $61,041 to $183,124. The Chicago-Naperville-Elgin area was not in the top 50, with cutoffs of $55,276 to $165,828.

Though many Americans may fall into the middle class, according to these calculations, many are still struggling to afford their basic necessities. Some in the ALICE — asset limited, income constrained, employed — demographic have told BI they're worried they may never retire, as much of their income goes to expenses such as food, rent, and transportation. For many older Americans, Social Security doesn't cover everything, forcing many to take part- or full-time jobs in their retirement years.

This stress often doesn't go away even as Americans climb the income ladder. HENRYs — or high earners, not rich yet — often make six figures but have told BI that their savings feel inadequate in the case of an emergency or job loss, causing some to delay having kids or buying a home.

An earlier BI analysis on a state level found that states like New York and California had the lowest percentages of middle-class residents, at under 45%, meaning that more residents were either upper or lower class. California's statewide cutoffs were $61,034 to $183,102, while New York's were $53,038 to $159,114.