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Unlocking the Upper-Middle Class: The Untold Power of Real Estate in Your Wealth Journey

Some analysts ignore percentiles in favor of a different approach. A 2025 analysis by GoBankingRates defined the middle class as those earning between two-thirds to double the area median income (AMI). That comes with the advantage of being more targeted, as local incomes and costs of living vary dramatically across the country. 

For instance, a household income of just $85,424 would land you in the upper-middle class in Mississippi. But in Maryland (where I just moved back to from Peru), it takes at least $158,126 to qualify. 

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