According to the 50/30/20 budgeting rule, you should be able to set aside 30% of your income for “wants.” But for many Americans, that’s far from reality. In some states, the average person barely has anything left after covering basic needs.
Discover More: Here’s How Much You Need To Earn To Be ‘Rich’ in Every State
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To find the states where the average earner has the most and least disposable income, CashNetUSA used MIT and Bureau of Labor Statistics data on cost of living and salaries nationwide to calculate the difference between the average cost of living and the average salary in every state.
In Washington, the state where Americans have the most disposable income, single people have an average of $23,301 in expendable income annually. But in Hawaii, the average single person only has $2,979 in expendable income each year — the least of any state.
Here’s a look at how much disposable income the average person has in each state. How do you stack up?
Also see the average overall salary in America.
Alabama
Mean annual wage: $53,400
Annual cost of living: $42,632
Leftover expendable annual income: $10,768
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More Info: Check Out the Median Salary of Americans Your Age in Every State
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Alaska
Mean annual wage: $69,880
Annual cost of living: $50,145
Leftover expendable annual income: $19,735
Also See: The Money You Need To Save Monthly To Retire Comfortably in Every State
Arizona
Mean annual wage: $63,040
Annual cost of living: $50,803
Leftover expendable annual income: $12,237
Arkansas
Mean annual wage: $51,250
Annual cost of living: $40,539
Leftover expendable annual income: $10,711
California
Mean annual wage: $76,960
Annual cost of living: $59,741
Leftover expendable annual income: $17,219
Colorado
Mean annual wage: $71,960
Annual cost of living: $52,981
Leftover expendable annual income: $18,979
Connecticut
Mean annual wage: $73,740
Annual cost of living: $52,581
Leftover expendable annual income: $21,159
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Delaware
Mean annual wage: $65,990
Annual cost of living: $48,744
Leftover expendable annual income: $17,246
Florida
Mean annual wage: $60,210
Annual cost of living: $48,684
Leftover expendable annual income: $11,526
Georgia
Mean annual wage: $61,250
Annual cost of living: $49,791
Leftover expendable annual income: $11,459
Hawaii
Mean annual wage: $65,030
Annual cost of living: $62,233
Leftover expendable annual income: $2,797
Idaho
Mean annual wage: $55,640
Annual cost of living: $48,215
Leftover expendable annual income: $7,425
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Illinois
Mean annual wage: $67,130
Annual cost of living: $49,010
Leftover expendable annual income: $18,120
Indiana
Mean annual wage: $56,420
Annual cost of living: $43,279
Leftover expendable annual income: $13,141
Iowa
Mean annual wage: $56,400
Annual cost of living: $43,453
Leftover expendable annual income: $12,947
Kansas
Mean annual wage: $56,270
Annual cost of living: $43,796
Leftover expendable annual income: $12,474
Kentucky
Mean annual wage: $54,030
Annual cost of living: $41,796
Leftover expendable annual income: $12,234
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Louisiana
Mean annual wage: $53,440
Annual cost of living: $42,664
Leftover expendable annual income: $10,776
Maine
Mean annual wage: $60,000
Annual cost of living: $48,291
Leftover expendable annual income: $11,709
Maryland
Mean annual wage: $73,620
Annual cost of living: $54,429
Leftover expendable annual income: $19,191
Massachusetts
Mean annual wage: $80,330
Annual cost of living: $60,079
Leftover expendable annual income: $20,251
Michigan
Mean annual wage: $60,600
Annual cost of living: $43,608
Leftover expendable annual income: $16,992
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Minnesota
Mean annual wage: $66,700
Annual cost of living: $45,865
Leftover expendable annual income: $20,835
Mississippi
Mean annual wage: $47,570
Annual cost of living: $43,159
Leftover expendable annual income: $4,411
Missouri
Mean annual wage: $57,580
Annual cost of living: $43,412
Leftover expendable annual income: $14,168
Montana
Mean annual wage: $55,920
Annual cost of living: $46,431
Leftover expendable annual income: $9,489
Nebraska
Mean annual wage: $58,080
Annual cost of living: $43,654
Leftover expendable annual income: $14,426
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Nevada
Mean annual wage: $58,900
Annual cost of living: $49,599
Leftover expendable annual income: $9,301
New Hampshire
Mean annual wage: $66,110
Annual cost of living: $51,552
Leftover expendable annual income: $14,558
New Jersey
Mean annual wage: $73,980
Annual cost of living: $54,502
Leftover expendable annual income: $19,478
New Mexico
Mean annual wage: $57,520
Annual cost of living: $43,710
Leftover expendable annual income: $13,810
New York
Mean annual wage: $78,620
Annual cost of living: $57,338
Leftover expendable annual income: $21,282
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North Carolina
Mean annual wage: $59,730
Annual cost of living: $46,876
Leftover expendable annual income: $12,854
North Dakota
Mean annual wage: $59,050
Annual cost of living: $41,146
Leftover expendable annual income: $17,904
Ohio
Mean annual wage: $59,890
Annual cost of living: $42,400
Leftover expendable annual income: $17,490
Oklahoma
Mean annual wage: $53,450
Annual cost of living: $42,135
Leftover expendable annual income: $11,315
Oregon
Mean annual wage: $66,710
Annual cost of living: $52,329
Leftover expendable annual income: $14,381
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Pennsylvania
Mean annual wage: $61,920
Annual cost of living: $47,657
Leftover expendable annual income: $14,263
Rhode Island
Mean annual wage: $66,610
Annual cost of living: $50,669
Leftover expendable annual income: $15,941
South Carolina
Mean annual wage: $54,250
Annual cost of living: $46,082
Leftover expendable annual income: $8,168
South Dakota
Mean annual wage: $53,230
Annual cost of living: $41,079
Leftover expendable annual income: $12,151
Tennessee
Mean annual wage: $56,030
Annual cost of living: $45,736
Leftover expendable annual income: $10,294
Also Read: Here’s the Minimum Net Worth To Be Considered Upper Class in Your 50s
Texas
Mean annual wage: $61,240
Annual cost of living: $45,387
Leftover expendable annual income: $15,853
Utah
Mean annual wage: $61,070
Annual cost of living: $49,737
Leftover expendable annual income: $11,333
Vermont
Mean annual wage: $62,780
Annual cost of living: $49,825
Leftover expendable annual income: $12,955
Virginia
Mean annual wage: $70,050
Annual cost of living: $53,354
Leftover expendable annual income: $16,992
Washington
Mean annual wage: $78,130
Annual cost of living: $54,829
Leftover expendable annual income: $23,301
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West Virginia
Mean annual wage: $52,200
Annual cost of living: $40,416
Leftover expendable annual income: $11,784
Wisconsin
Mean annual wage: $59,500
Annual cost of living: $43,599
Leftover expendable annual income: $15,901
Wyoming
Mean annual wage: $57,930
Annual cost of living: $43,973
Leftover expendable annual income: $13,957
Editor’s note: Data was sourced from CashNetUSA and is accurate as of June 18, 2025.
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This article originally appeared on GOBankingRates.com: How Does Your Disposable Income Compare to the Average in Your State?
