The income threshold for the upper middle class in 2026 is out: $117K-$150K is the dividing line.

The class identification of Americans is not only based on salary figures but also on geographic location, cost of living, and family size. According to the latest census data, the median household income in the United States is $74,580, so how much do the upper middle class actually earn?

Core Data:

• Generally accepted range: $106K-$250K (depending on state)
• Watershed for most cities: $117K-$150K
• CNBC definition: $104K-$153K

The regional differences are enormous: In Maryland, the starting point for the upper middle class is $158K+, while in Mississippi, it only requires $85K-$110K. The same income may only be considered middle class in large coastal cities, but in smaller states, it represents wealthy households.

Variables of 2026: The inflation rate is expected to be 2.6%-2.8%, and the cost of living continues to rise, which means that to maintain an upper middle class identification, the income threshold will continue to increase. Housing prices, tax rates, and daily consumption are all pushing this line higher.

Are you considered middle class or upper middle class? Don't just look at your annual salary; consider family size, state of residence, and mortgage/rent pressure to truly assess your social class position.