As economic pressures mount, middle-class families across the U.S. are finding it increasingly difficult to cover essential living expenses while maintaining a comfortable lifestyle. Rising costs for housing, healthcare, childcare, and transportation have placed additional strain on household budgets, leaving many unable to save or spend on discretionary items. While these financial pressures affect families nationwide, the degree to which a middle-class income stretches varies significantly depending on location.

This report examines where in the U.S. middle-class families with 2 adults and 2 children can achieve the most financial security. By comparing the income required to cover essential expenses to the median family income in each location, the findings highlight areas where households have the most financial breathing room. The results shed light on how regional differences in cost of living and wages impact the ability of middle-class families to invest in more than just getting by — whether that means saving for retirement, spending on recreation and entertainment, or taking a vacation.

A new analysis from Upgraded Points reveals where in the U.S. a middle-class income stretches the furthest, highlighting areas where families can afford more than just getting by.

Key Takeaways, With Data for Georgia

• Some high-cost locations defy expectations: Some of the most expensive areas in the U.S. also give families the most financial breathing room, thanks to high wages outpacing elevated living costs. For example, San Jose, DC, and Seattle all leave families with over $60K after basic expenses; at the state level, Maryland leads with nearly $56K.

• Low cost of living isn’t the only factor: While some states, such as North Dakota or Kansas, require lower median incomes for necessities and allow families to retain more, other lower-cost states—like West Virginia, Wyoming, and New Mexico—rank poorly due to incomes that lag behind even modest living expenses.

• Middle-class affordability in Georgia: Middle-class families need $99,830 to cover necessities in Georgia, such as housing, food, childcare, transportation, healthcare, and more. With a median income of $125,000, they’re left with $25,170 after essential expenses—a bit more than the national figure ($21,939).

For the full report visit upgradedpoints.com