How does what you pay for mortgage, healthcare and grocery costs stack up against the average budget of middle-class families across the rest of the United States?
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GOBankingRates analyzed key factors in each state, including the cost-of-living indexes and average expenditure costs for a married couple with children, to calculate average budget costs for middle-class families.
Key Findings
- West Virginia ranks as the cheapest state for overall annual expenditure costs for families at $93,445. It is one of only eight states where expenditure costs are under $100,000. The other seven states are Oklahoma, Kansas, Mississippi, Alabama, Arkansas, Missouri and Iowa.
- Middle-class families spend more than $8,500 on groceries annually. The three most expensive states for groceries, where costs amount to more than $10,000 annually, are California ($10,121), Alaska ($11,517) and Hawaii ($11,816). Kansas is the cheapest, averaging at $8,590.
- Hawaii is the only state that broke the $200,000 threshold for annual costs. These expenses amount to $207,668 for middle-class families.
- Healthcare expenses in Hawaii are a whopping $66,933 annually. The cost of healthcare in Alaska, at $11,432, comes in at a distant second place.
Ranked from first to 50th, see what the average middle-class family budget looks like in every state.
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1. West Virginia
- Monthly expenditures: $7,787
- Annual expenditures: $93,445
- Annual groceries: $8,970
- Annual healthcare: $7,446
- Annual mortgage: $11,291
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2. Oklahoma
- Monthly expenditures: $7,935
- Annual expenditures: $95,223
- Annual groceries: $8,644
- Annual healthcare: $7,362
- Annual mortgage: $14,205
3. Kansas
- Monthly expenditures: $8,056
- Annual expenditures: $96,667
- Annual groceries: $8,590
- Annual healthcare: $7,202
- Annual mortgage: $15,595
4. Mississippi
- Monthly expenditures: $8,139
- Annual expenditures: $97,667
- Annual groceries: $8,726
- Annual healthcare: $7,568
- Annual mortgage: $12,242
5. Alabama
- Monthly expenditures: $8,148
- Annual expenditures: $97,779
- Annual groceries: $8,807
- Annual healthcare: $6,630
- Annual mortgage: $15,393
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6. Arkansas
- Monthly expenditures: $8,213
- Annual expenditures: $98,556
- Annual groceries: $8,626
- Annual healthcare: $6,531
- Annual mortgage: $14,442
7. Missouri
- Monthly expenditures: $8,213
- Annual expenditures: $98,556
- Annual groceries: $8,699
- Annual healthcare: $6,996
- Annual mortgage: $17,068
8. Iowa
- Monthly expenditures: $8,306
- Annual expenditures: $99,667
- Annual groceries: $8,753
- Annual healthcare: $7,301
- Annual mortgage: $15,137
9. Michigan
- Monthly expenditures: $8,370
- Annual expenditures: $100,445
- Annual groceries: $8,898
- Annual healthcare: $6,806
- Annual mortgage: $16,583
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10. Indiana
- Monthly expenditures: $8,380
- Annual expenditures: $100,556
- Annual groceries: $8,816
- Annual healthcare: $7,415
- Annual mortgage: $16,486
11. Tennessee
- Monthly expenditures: $8,380
- Annual expenditures: $100,556
- Annual groceries: $8,798
- Annual healthcare: $6,752
- Annual mortgage: $22,003
12. Georgia
- Monthly expenditures: $8,454
- Annual expenditures: $101,445
- Annual groceries: $8,816
- Annual healthcare: $7,651
- Annual mortgage: $22,620
13. North Dakota
- Monthly expenditures: $8,509
- Annual expenditures: $102,112
- Annual groceries: $8,608
- Annual healthcare: $8,246
- Annual mortgage: $18,606
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14. Louisiana
- Monthly expenditures: $8,537
- Annual expenditures: $102,445
- Annual groceries: $8,708
- Annual healthcare: $7,362
- Annual mortgage: $13,706
15. South Dakota
- Monthly expenditures: $8,537
- Annual expenditures: $102,445
- Annual groceries: $8,834
- Annual healthcare: $7,697
- Annual mortgage: $20,897
16. Texas
- Monthly expenditures: $8,583
- Annual expenditures: $103,001
- Annual groceries: $8,708
- Annual healthcare: $7,202
- Annual mortgage: $20,753
17. Kentucky
- Monthly expenditures: $8,611
- Annual expenditures: $103,334
- Annual groceries: $9,043
- Annual healthcare: $8,124
- Annual mortgage: $14,443
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18. Nebraska
- Monthly expenditures: $8,620
- Annual expenditures: $103,445
- Annual groceries: $8,989
- Annual healthcare: $7,621
- Annual mortgage: $17,809
19. New Mexico
- Monthly expenditures: $8,639
- Annual expenditures: $103,667
- Annual groceries: $8,735
- Annual healthcare: $7,827
- Annual mortgage: $20,935
20. Ohio
- Monthly expenditures: $8,722
- Annual expenditures: $104,668
- Annual groceries: $8,961
- Annual healthcare: $7,202
- Annual mortgage: $15,846
21. Illinois
- Monthly expenditures: $8,741
- Annual expenditures: $104,890
- Annual groceries: $8,889
- Annual healthcare: $7,552
- Annual mortgage: $18,730
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22. Montana
- Monthly expenditures: $8,787
- Annual expenditures: $105,445
- Annual groceries: $9,179
- Annual healthcare: $8,101
- Annual mortgage: $31,139
23. Minnesota
- Monthly expenditures: $8,806
- Annual expenditures: $105,668
- Annual groceries: $9,251
- Annual healthcare: $8,002
- Annual mortgage: $23,195
24. Pennsylvania
- Monthly expenditures: $8,806
- Annual expenditures: $105,668
- Annual groceries: $8,989
- Annual healthcare: $6,905
- Annual mortgage: $18,420
25. Wyoming
- Monthly expenditures: $8,843
- Annual expenditures: $106,112
- Annual groceries: $9,088
- Annual healthcare: $7,949
- Annual mortgage: $24,163
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26. South Carolina
- Monthly expenditures: $8,880
- Annual expenditures: $106,556
- Annual groceries: $8,998
- Annual healthcare: $7,088
- Annual mortgage: $20,485
27. Wisconsin
- Monthly expenditures: $8,982
- Annual expenditures: $107,779
- Annual groceries: $8,880
- Annual healthcare: $8,109
- Annual mortgage: $21,269
28. North Carolina
- Monthly expenditures: $9,056
- Annual expenditures: $108,668
- Annual groceries: $8,916
- Annual healthcare: $7,979
- Annual mortgage: $22,710
29. Virginia
- Monthly expenditures: $9,324
- Annual expenditures: $111,890
- Annual groceries: $9,025
- Annual healthcare: $8,002
- Annual mortgage: $27,555
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30. Delaware
- Monthly expenditures: $9,333
- Annual expenditures: $112,001
- Annual groceries: $9,288
- Annual healthcare: $7,804
- Annual mortgage: $26,325
31. Nevada
- Monthly expenditures: $9,380
- Annual expenditures: $112,556
- Annual groceries: $9,351
- Annual healthcare: $6,638
- Annual mortgage: $31,719
32. Colorado
- Monthly expenditures: $9,445
- Annual expenditures: $113,334
- Annual groceries: $9,124
- Annual healthcare: $7,949
- Annual mortgage: $38,255
33. Idaho
- Monthly expenditures: $9,445
- Annual expenditures: $113,334
- Annual groceries: $9,387
- Annual healthcare: $7,507
- Annual mortgage: $31,288
34. Florida
- Monthly expenditures: $9,519
- Annual expenditures: $114,223
- Annual groceries: $9,532
- Annual healthcare: $7,545
- Annual mortgage: $28,016
35. Utah
- Monthly expenditures: $9,713
- Annual expenditures: $116,556
- Annual groceries: $8,853
- Annual healthcare: $6,737
- Annual mortgage: $36,543
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36. Arizona
- Monthly expenditures: $10,324
- Annual expenditures: $123,890
- Annual groceries: $9,161
- Annual healthcare: $7,065
- Annual mortgages: $30,011
37. Oregon
- Monthly expenditures: $10,370
- Annual expenditures: $124,445
- Annual groceries: $9,623
- Annual healthcare: $8,360
- Annual mortgage: $34,509
38. Maine
- Monthly expenditures: $10,380
- Annual expenditures: $124,557
- Annual groceries: $9,197
- Annual healthcare: $8,665
- Annual mortgage: $26,817
39. Rhode Island
- Monthly expenditures: $10,389
- Annual expenditures: $124,668
- Annual groceries: $9,233
- Annual healthcare: $7,972
- Annual mortgage: $32,826
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40. Connecticut
- Monthly expenditures: $10,398
- Annual expenditures: $124,779
- Annual groceries: $9,297
- Annual healthcare: $8,375
- Annual mortgage: $29,737
41. New Hampshire
- Monthly expenditures: $10,426
- Annual expenditures: $125,112
- Annual groceries: $9,052
- Annual healthcare: $7,933
- Annual mortgage: $34,308
42. Washington
- Monthly expenditures: $10,574
- Annual expenditures: $126,890
- Annual groceries: $9,568
- Annual healthcare: $9,000
- Annual mortgage: $41,785
43. Vermont
- Monthly expenditures: $10,593
- Annual expenditures: $127,112
- Annual groceries: $9,623
- Annual healthcare: $8,490
- Annual mortgage: $26,868
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44. New Jersey
- Monthly expenditures: $10,611
- Annual expenditures: $127,334
- Annual groceries: $9,442
- Annual healthcare: $8,193
- Annual mortgage: $38,617
45. Maryland
- Monthly expenditures: $10,676
- Annual expenditures: $128,112
- Annual groceries: $9,704
- Annual healthcare: $7,690
- Annual mortgage: $29,765
46. New York
- Monthly expenditures: $11,417
- Annual expenditures: $137,001
- Annual groceries: $9,414
- Annual healthcare: $8,299
- Annual mortgage: $31,505
47. Alaska
- Monthly expenditures: $11,463
- Annual expenditures: $137,557
- Annual groceries: $11,517
- Annual healthcare: $11,432
- Annual mortgage: $26,266
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48. California
- Monthly expenditures: $13,408
- Annual expenditures: $160,890
- Annual groceries: $10,121
- Annual healthcare: $8,208
- Annual mortgage: $54,877
49. Massachusetts
- Monthly expenditures: $13,509
- Annual expenditures: $162,112
- Annual groceries: $9,460
- Annual healthcare: $9,580
- Annual mortgage: $44,434
50. Hawaii
- Monthly expenditures: $17,306
- Annual expenditures: $207,668
- Annual groceries: $11,816
- Annual healthcare: $66,933
- Annual mortgage: $17,306
Methodology: For this study, GOBankingRates analyzed each state to find the average cost for a middle-class family. First, GOBankingRates found the cost-of-living indexes for each state from the Missouri Economic and Research Information Center. The total population, total households, and household median income were sourced from the U.S. Census American Community Survey. Using the cost-of-living indexes and the average expenditure costs for a married couple with children, as sourced from the Bureau of Labor Statistics Consumer Expenditure Survey, the average expenditure costs were calculated. Using data from Zillow Home Value Index and the Federal Reserve, the average mortgage was calculated. All data was collected on and is up to date as of Mar. 10, 2025.
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This article originally appeared on GOBankingRates.com: The Average Budget of a Middle-Class Family in Every State
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