this post was submitted on 14 Nov 2025
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Lower 6 figures today is middle class. Or at least what middle class buying power was 40 years ago.
You can’t afford to buy a single family home on $100k/yr in my area. So I’m not sure it really meets the classic definition of middle class anymore.
Middle class didn’t mean a big McMansion or desirable area. It meant a modest house in a small lot in a boring suburb of someplace like Detroit where you’d work for Ford or something.
Our ideas of what kind of house we should have is really distorted. It’s like pickup trucks. What was considered an everyday pickup 40 years ago was 1/3rd the size of the behemoths available today, and of course today’s trucks cost $80,000 compared to the $6,500 of something like a ‘85 Toyota Pickup ($20k in today dollars).
Every 1950s 1k square foot track home in my area is 1 million or more no matter how dilapidated within 2hours of the metro
“Desirable area”
It’s where the jobs are
“…high paying jobs are.”
And that is the problem.
Capitalism run amok with the increasing need to push the line higher and maximize profits resulting in gluttony eating up all the spare money in a market.
Lots of homes are easily affordable with that income. Buy elsewhere.
Show me the place where you can both earn the $100k AND afford the homes. Places with higher wages also have higher costs. It doesn’t help someone in Seattle to tell them go buy a home in Oklahoma.
There's quite a few major cities in the US where houses are averaging around 300k which a 100k salary would easily cover the purchase of. Pittsburg, Detroit, Philadelphia, Milwaukee, Madison, Minneapolis, Indianapolis, St Louis for examples just off the top of my head. And if you look in rural areas between these major cities you can easily snag a 100k home so if you ever find yourself burnt out from your high paying career there's that option too
Sure but that doesn’t say anything about the wages there. How many $100k jobs am I going to find in Milwuakee and Detroit? I work in tech so I can tell you now the answer is close to zero.
This source says that median household income in Pittsburgh is in the low $60ks. And while housing costs are 2% below national average, utility costs are 20% above national average 🤷♂️
These are literally major cities with populations measured in the millions. There's plenty of high paying jobs to be had. And the best part is, since home prices aren't measured in the millions you can survive on a lower income.
Also I work in tech too. I've interviewed for jobs making $80-120k in some of the listed cities. I know people making over 100k in some of the listed cities. Median income is just that, the median. Some people are going to make more and some people are going to make less. Highly skilled workers in any major city will make high pay. Sure you might shave off 10-20% from your expected wage in your sector in a lower cost of living city but your housing costs will likely be literally be half or a third of that when compared to LA, New York City or the San Francisco Bay Area, plus with that lower cost of living comes more options if you become burnt out from your highly paid and likely high stress job, you can afford to jump ship and change careers
Yes... but you have to choose more slum-y areas. And if you have kids, they're gonna get buillied so much.
Source, I am that kid. Moved from Brooklyn to Philly, sure, housing was more affordable, but school ratings went from 8/10 to like a 3/10. Such hell.
Here is a random home I found after only a few seconds of looking. 3 bedroom home in Colorado Springs for $265k. Easily affordable at the stated $100k/yr income.
Lots of homes are easily affordable with that income. Buy elsewhere.
Cmon, you can’t cherry pick a house and say “just uproot your entire life, there are cheaper houses out there!”
Schools, job market, support system and more all play a huge part. It isn’t as simple as “just move.”
Keep in mind you’re replying to a literal Nazi, they don’t do much arguing in good faith.
The thing is though that unless you have a fully remote job you are probably not going to stay earning 100k in colarado springs
Median household income in Colorado Springs is $83k/yr. Said 3 bedroom home for $265k is quite affordable on $83k/yr.
And if this is the case, you are doing even better and have a shitload more options.
There's the additional cost that my whole family and all my friends live in the "Greater Seattle area" where housing is outrageous and climbing. If I were to move somewhere more affordable it would mean losing my entire social support system.
Low 6 figure is the minimum required to have a middle class lifestyle for one person (not a family) in California. And when I say middle class lifestyle, I mean not having to worry about bills, but still not able to buy a house or a new car without decades of saving or massive debt. Maybe you can afford a vacation once a year if you haven’t had any unexpected medical problems.
Especially when you factor in the cost of living in places where $100k jobs are to be found. “Six figures” may sound like a fortune if you’re sitting in rural Ohio but it’s little more than a decent wage in Seattle.
Yeah. The problem is that the goalposts keep getting pushed away faster than income is keeping up. Someone might have what is considered a good paying job, but the buying power for major purchases like cars and homes keeps taking hits. On top of that the bills get steeper and steeper. Six figures should be a fortune.