The minimum salary required to meet financial needs in every U.S. state.
To get by in most states, you'll need to earn approximately $45,000 annually if you're considering living independently.
According to a new analysis by SmartAsset, the median income required to cover basic expenses, including housing, transportation, health care, taxes, and other common expenses, as calculated by the MIT Living Wage calculator, is roughly the same.
The amount of money required to meet basic needs can vary greatly depending on the location, primarily due to differences in housing costs and taxes. For instance, in states like Massachusetts, California, and Hawaii, housing expenses are significantly higher than in states with the lowest basic cost of living.
Five states where single individuals require the highest income to meet basic expenses.
- Massachusetts: $58,009
- Hawaii: $56,841
- California: $56,825
- New York: $55,878
- Washington: $53,242
The calculations only take into account the expenses required for basic necessities and do not include any discretionary spending such as travel or entertainment, or investment contributions.
To earn the minimum annual income needed to get by in Massachusetts, you would need to make $28 per hour for 40 hours a week, while in West Virginia, you would only need to earn $19 per hour to achieve the same goal with an annual income of $39,386.
In many states, the minimum wage is only $7.25 per hour, which is less than what people need to get by. To cover basic expenses, minimum wage workers often rely on tips or cut costs in other ways. Even in states where the minimum wage is higher, it is often not enough to meet the estimated living wage.
Every U.S. state has a minimum income requirement for a single person to survive.
Alabama
- Annual living wage for a single person: $41,911
Alaska
- Annual living wage for a single person: $48,375
Arizona
- Annual living wage for a single person: $48,677
Arkansas
- Annual living wage for a single person: $39,724
California
- Annual living wage for a single person: $56,825
Colorado
- Annual living wage for a single person: $51,644
Connecticut
- Annual living wage for a single person: $50,194
Delaware
- Annual living wage for a single person: $47,064
Florida
- Annual living wage for a single person: $46,645
Georgia
- Annual living wage for a single person: $48,448
Hawaii
- Annual living wage for a single person: $56,841
Idaho
- Annual living wage for a single person: $44,366
Illinois
- Annual living wage for a single person: $47,559
Indiana
- Annual living wage for a single person: $42,510
Iowa
- Annual living wage for a single person: $41,678
Kansas
- Annual living wage for a single person: $42,337
Kentucky
- Annual living wage for a single person: $40,355
Louisiana
- Annual living wage for a single person: $41,233
Maine
- Annual living wage for a single person: $45,844
Maryland
- Annual living wage for a single person: $51,460
Massachusetts
- Annual living wage for a single person: $58,009
Michigan
- Annual living wage for a single person: $42,187
Minnesota
- Annual living wage for a single person: $44,626
Mississippi
- Annual living wage for a single person: $41,361
Missouri
- Annual living wage for a single person: $42,024
Montana
- Annual living wage for a single person: $42,374
Nebraska
- Annual living wage for a single person: $41,849
Nevada
- Annual living wage for a single person: $46,727
New Hampshire
- Annual living wage for a single person: $49,045
New Jersey
- Annual living wage for a single person: $51,504
New Mexico
- Annual living wage for a single person: $41,807
New York
- Annual living wage for a single person: $55,878
North Carolina
- Annual living wage for a single person: $44,848
North Dakota
- Annual living wage for a single person: $40,262
Ohio
- Annual living wage for a single person: $40,359
Oklahoma
- Annual living wage for a single person: $40,211
Oregon
- Annual living wage for a single person: $50,553
Pennsylvania
- Annual living wage for a single person: $45,661
Rhode Island
- Annual living wage for a single person: $50,418
South Carolina
- Annual living wage for a single person: $44,152
South Dakota
- Annual living wage for a single person: $40,718
Tennessee
- Annual living wage for a single person: $43,196
Texas
- Annual living wage for a single person: $43,508
Utah
- Annual living wage for a single person: $46,850
Vermont
- Annual living wage for a single person: $47,892
Virginia
- Annual living wage for a single person: $49,973
Washington
- Annual living wage for a single person: $53,242
West Virginia
- Annual living wage for a single person: $39,386
Wisconsin
- Annual living wage for a single person: $42,062
Wyoming
- Annual living wage for a single person: $43,823
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