Determining what qualifies someone as part of the American upper class in 2025 is more complex than simply looking at salary figures. Factors such as total wealth, household income, and geographical location all play a role in defining upper-class status.
While a high salary may contribute to financial stability, the upper class typically does not rely solely on earned income. Instead, wealth accumulation through investments, assets, and other income sources plays a significant role in securing financial comfort and social prestige.
Additionally, the cost of living varies widely across different regions, meaning that what qualifies as an upper-class income in one area may not stretch as far in another.
Household Income and Upper-Class Status
The Pew Research Center defines upper-income households as those earning more than $169,800 annually for a three-person household. If a household has a single income source, that salary must meet or exceed this threshold. In contrast, a two-earner household could qualify with each person making at least $84,900.
However, true upper-class status is more than just meeting an income benchmark. Financial security and long-term wealth are usually built through diversified income streams, investments, and generational wealth rather than salary alone.
How Location Affects Upper-Class Salaries
Geography significantly impacts how far a salary goes. According to ZipRecruiter, the salary range for jobs classified as “upper class” falls between $39,000 and $68,000, with top earners making up to $86,000.
However, location matters. Cities such as Green River, Wyoming ($71,552) and San Francisco, California ($68,687) report higher average salaries for upper-class workers. Yet, these figures must be considered in the context of regional costs—what might be a comfortable income in one city could be barely sufficient in another due to housing prices, taxes, and living expenses.
For instance, while $59,699 is considered an upper-class salary nationally, it stretches much further in lower-cost areas than in expensive metropolitan centers, where housing and essential goods are significantly pricier.
What It Truly Means to Be Upper Class
While salary benchmarks can indicate upper-class status on paper, financial security and wealth accumulation define what it truly means to belong to this socioeconomic tier.
For some, earning $59,699 could be a major financial milestone, while for others, it might be a stepping stone. Salary alone does not guarantee financial comfort—factors such as savings, debt levels, and overall economic conditions determine how far an income can go.
Ultimately, being upper class is not just about earning a certain amount but about having the wealth, assets, and financial security that provide long-term stability and opportunity.
