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
