The annual family income is about 300,000. What level does it belong to?

First, let's look at a general. This is 20 17, a busybody summed up the different standards of family income in China. The annual income of 300,000 families is slightly different from that of 360,000 yuan, but the gap is not very big. For 80% of the people in the country, the annual income of 300,000 families is quite good. If you don't go to the north, Guangzhou, Shenzhen and some new first-tier cities, such as Hangzhou and Nanjing, it belongs to a well-off level. But for first-tier cities, it makes sense to regard 360,000 to 500,000 as a well-off society.

Take Shanghai as an example. If you want to live a well-off life, you must earn more than 500 thousand. If a family needs 10 years to reach the income standard of 500,000 yuan. In another 20 years, it is equivalent to earning 6.5438+million. And this 6.5438+million is almost the three major expenses of the family: housing, living expenses and children's education. If we can't do this, we can only say that the standard of a well-off society is relatively low. You said that buying a 5 million house in Shanghai is not too much, right? Generally speaking, it is not easy to find, either the location is too far away or the apartment is too small. 20 years of family expenses, we calculate that it is 654.38+0.5 million per year, you always want it, right? A trip to China every year costs more than RMB 10000 for a family of three. Going abroad once every 2-3 years always costs 30,000-60,000 yuan. It's not easy to spend 3 million years. There are also 2 million children's education and cars. The car was updated on 10. You always want 300 thousand to buy a car. Can't buy it too badly. I'll give you 600 thousand to buy two cars. If you count the children's education, I'm afraid you can't buy a car.

As a middle-income group of urban white-collar workers, most people have ceilings. It's just that the income can't go up, so this is the case now. Some people can jump this neckline for a while, but with the change of economic environment, they will be beaten back to the level of less than 20 thousand yuan. This is the person who earns 20 thousand a month I wrote in another article. How many people are there in China? I think 5 million to 8 million, no more than 8 million. Many people believe that there will be more.

Well-off, I think I can at least afford to buy a house, a family car, send my children to private schools or study abroad.

The family income of 300,000 yuan is definitely not a low income, but it can only be said to be quite ordinary income, or it will not be very comfortable income in the north, Guangzhou, Shenzhen and Hangzhou, but many people have been fighting for it. That is the reality.

I am in Shanghai. My wife and I paid 500,000+after tax, and the total property value was 6.5438+million+(not counting several properties of both parents), so there was no mortgage pressure. However, I still feel that I have just entered a well-off level. I buy food and cook, do housework and take care of the baby myself. Dare not hire a nanny (too expensive). I'm going to change trains in 1978, so I usually go to the cinema to watch movies at most, 1 go out to eat 1-2 times a month, and go abroad 0- 1 time a year (tens of thousands of dollars). When my son was born, I felt that I was burning money, all of which were small amounts, but it was shocking to add up. At work, although stable, I am very busy and tired. Generally speaking, the consumption level in Shanghai is too high!

The family income is 300,000. Congratulations, your family income can exceed half that of American families. The median income of American families is $58,000, equivalent to 400,000 RMB. Because American couples have to deduct $7,000 to $8,000 a year in tax, and the tax investigation in the United States is very strict, companies that don't have jobs in China just help families calculate taxes for one year. China is different. I won't say most of this. Take this rent deduction as an example. Everyone knows why the landlord refused to provide his own information. Therefore, the tax department has updated the people-oriented procedure and does not need to fill in the landlord information. In the United States, if you can get the after-tax money, the deduction is about three-quarters of the total income. If you buy a house and then pay the real estate tax, forget it alone. Generally, the house tax rate in the United States is about 1.2%, and with home insurance, it will cost about $5,000-8,000 a year. All of the above are compulsory taxes. Therefore, the disposable income of a medium-sized family in the United States is about 250,000-300,000 a year, and the parity purchasing power is equivalent to the domestic third-tier cities150,000-200,000.

The family's annual income is 300,000, which is at least 70% of the families in the country. According to the data released by the National Bureau of Statistics, the national per capita disposable income in 2065 was 28,228 yuan, 438+2008. If calculated by a family of four, the annual income is about 1 1.3 million yuan, and the annual family income is 300,000 yuan, which is close to the national average.

National Bureau of Statistics' criteria for dividing different income groups: the respondents with a monthly income of less than 2,000 yuan (that is, an annual income of less than 24,000 yuan) are low-income groups, the middle-income group has a monthly income of 2,000-5,000 yuan (an annual income of 24,000-60,000 yuan), and the higher-income group has a monthly income of 5,000-10000 yuan (an annual income of 65,000 yuan) A family with an annual income of 300,000 yuan, that is, the average monthly income of each member is 75,000 yuan, which already belongs to the group with higher income. Of course, it will change slightly according to the number of family members.

China has a vast territory, with different levels of development and income in different regions. What is the annual income of 300 thousand? This should also consider the area where your home is located. If it is in a first-tier city, it may be normal for a family to earn 300,000 yuan a year. If it is in the second and third tier cities, this level may be the middle income level! And if it is in the fourth-and fifth-tier cities or even rural areas, this level may already be regarded as a high income level. So different regions may have different results.

I personally live in Guangzhou, with a personal income of 360,000 yuan and a wife of 6,543,800 yuan. Seemingly well-off, but actually hard! With a certain income, they won't take the bus. Husband and wife have two cars, and they often eat something outside, buy something, travel, make up lessons for their children, and treat several elderly people at home. If there is no serious illness in your family, the money you can leave all year round will not exceed 654.38+ 10,000! Several old people add up to 200,000 to 300,000 pensions every year, but they all use their own money, which just relieves my pressure. My wife's income is also for her own use. In fact, it is my income of 300,000 to 400,000 to support my family. I feel very stressed and always wonder why I am so poor! This is not suicide, it is a feeling of helplessness. I worry every night what if I suddenly lose my income? Unlike in the countryside, there are bonuses. Life in a big city needs to be fixed even without income. Don't substitute other people's income for your own consumption. Every family is different.

Coordinate Shanghai, my husband and I earn more than 300,000 yuan a year.

My mother is younger, and now she runs her own business, and her annual income is similar to mine. His father needs insulin injection for a long time and can't do heavy work, so his parents work at home and help his brother-in-law on the construction site during the slack season. Annual income can cover his daily expenses, but holidays can give the elderly thousands of dollars for emergency use. Now we have no pressure to support the elderly.

However, houses in Shanghai are very expensive. Down payment at the age of 25, earning four years without eating or drinking. You think your annual income is 300 thousand, but buying a house can only be poor.

If there is no pressure to buy a house, I think I can reach the degree of freedom of cherries.

China has a vast territory, rich resources, huge differences in resource distribution and huge income gap.

The wages in the north and the south are different, and there is a gap between the first-line and second-line incomes. Even in the same city, the wages in the city center and suburbs are different.

I think it is hooliganism to talk about income regardless of region. Of course, under the current situation of China, there is no income without a house.

Let's talk about the following situation.

1, north, Guangzhou, Shenzhen and other 1 line cities, no room. As we all know, in these first-tier cities.

There is a big difference between having a house and not having one.

The location of the house is slightly better. The total income of 300,000 households is not enough to repay the mortgage.

If the houseless people with an income of 300,000 just want to settle in these big cities by themselves, after paying off a large mortgage, the remaining money will just be beyond their means.

Tenants who do not intend to settle down will have a better life and enjoy freedom of eating and drinking.

I-myself, when I didn't plan to buy a house in Hangzhou two years ago, I lived a fairy life of eating whatever I wanted. The kind that doesn't worry about food-definitely not the kind of five-star hotel or Michelin.

Hangzhou is not a first-tier city, so the pressure on people in first-tier cities should be slightly greater. There should still be a sale order regardless of the price.

2. North, Guangzhou, Shenzhen, etc. 1 The city has a room. If you don't have to repay the mortgage, then 300 thousand is the pure living expenses that the family can control freely.

It looks a lot,

Divide it!

If you have children, it is similar to 1.

In other words, I struggled a little bit on the poverty line of life, but the troubles of life are indispensable.

If there are no children, the young couple will have a family of 300 thousand.

It is indeed a life in heaven and earth, a high-quality life and a standard petty bourgeoisie life!

3. Second-tier cities, 300,000 people without housing income in second-tier cities feel that they have become well-off.

With an annual income of 300,000, it can basically control any type of house in Nanchang.

Don't say how rich and expensive you are. Basic life is proper.

There are 300,000 families in second-tier cities with houses in fourth-and second-tier cities, which is middle class for free!

5, 3-4 cities have low housing prices, and then there is a difference between housing and no housing. It doesn't matter much.

Take Shangrao as an example, a better house. The average price is more than 8,000, the monthly payment is 5,000-6,000, and the annual loan is 60,000-70,000. Although it has an impact, the gap is not obvious.

In this small place, there is an income of 300 thousand, which is definitely the most dazzling one.

Marrying a wife is the kind of being robbed.

Live a carefree life.

The real middle class.

The following counties and towns will not be mentioned.

Except for some special areas.

The town's annual income of 300 thousand is the kind that can make people jealous.

The above is my personal opinion. Don't spray unless you like it

As a financial worker, I think a family's income of 300 thousand is quite high, but it depends on what city it is in. The ranking of this income data is different in different cities.

If it is in a first-and second-tier city, the family income of 300,000 should be considered as the lower-middle level. If you have a mortgage, a car loan and a child to study, it will only solve the problem of food and clothing in life, and it will not reach the level of food and clothing.

If you are in a third-and fourth-tier city, the family income of 300,000 should be at the average level. Even if you have a mortgage and car loan and your children are studying, you can live a well-fed life at this standard of living. The quality of life is not bad.

If it is a small city in the fifth and sixth lines, the family income of 300,000 should be a very good income level. Whether you have a mortgage, a car loan, or a child going to school, you can live a very comfortable and colorful life in the local area.

I am in a small third-tier city in Hebei. The total income of a family of three is about 300 thousand. Although I can't achieve financial freedom, my daily life is still full of happiness.

Tell me about myself. I don't even need a family. My annual income can exceed 300,000, but it should be below the average level in Shanghai. But if you are in your hometown, the annual income of 300,000 should be the first-class level. Therefore, it is meaningless to just say numbers, depending on the region.

For Beishangguang, it is very common for a family to earn 300,000 yuan a year. In Shanghai alone, Zhaopin's latest "20 19 Winter Average Salary Urban Distribution" shows that the latest average salary in Shanghai is 10967 yuan. The average single person can exceed 10,000 yuan, and it is common for a family to earn more than 300,000 yuan a year. Isn't it terrible?

Why is this happening? Because the living expenses in Beishangguang are ok, but most people with good income will buy a house and a car. Even if Shanghai can't buy it, neighboring cities will buy it. Then, under the current pressure of mortgage and car loan, 300,000 is really not enough. Not to mention the cost of education in Shanghai, all kinds of training courses definitely make you stretched.

For myself, my income sounds good, but once I pay off my mortgage, my disposable income will drop sharply. But the annual income of 300,000 is really more than enough in my hometown.

For my hometown, it is not enough for you to pretend to show off. My hometown is in a small town in the postal area, and many students also stay in their hometown. Their salary is several thousand yuan. Even if it exceeds 10 thousand, it is a high salary, and 300 thousand is enough for the down payment of the house.

Therefore, for people in my hometown, if you take 300,000 yuan a year and tell them that it is not enough, they will think that you are pretending to show off. This has nothing to do with living standards, but with the local environment. You can't convince them, because once you don't say enough, they will always give you a word. Who told you to go to Shanghai? Aren't you going back to your hometown?

So the salary is worth talking about, but you should talk to people in the same environment. And the numbers are really useless. The key is where and how much is your net income?

Above, blessing.