What is the average annual income of a family?

The median is more objective, which can avoid people's bad feelings of hypocrisy, mania, depression and comparison. It is beneficial for everyone to better position themselves.

First-tier cities: 10000+

New first-tier cities: 8000+

Second-tier cities: 6000+

Third-tier cities: 5000+

Fourth and fifth tier cities: 4000+

Seeing this, many people may think that this standard is too low. In fact, this is not low at all, even a little high.

Some people think that middle income is the income level of a few people. In fact, what we call middle-income families is what Europe and America often say.

What middle class? The middle class is defined as the group whose family income is higher than the lowest 25% and lower than the highest 15%, accounting for as high as 60%, representing the numerical range of the vast majority of income earners, which covers a relatively large range. For example, the upper limit of the lowest 25% income in a city is 2000 yuan, and the lower limit of the highest 15% is 10000 yuan, so 200 1-9999 yuan belongs to middle income.

However, there are many cities in China, and the economic level is quite different, so we can't generalize the income. In developed cities, there are millions of people with a monthly income of tens of thousands. At the same time, in many fourth-and fifth-tier cities, the phenomenon that the monthly income is less than 2,000 yuan is still common. Therefore, in third-and fourth-tier cities, families with incomes above 4,000 can exceed the lowest 25%. Of course, this is only the middle threshold, and it is the lowest in the middle category, not the median income.

However, even the median, I am afraid the value is far below everyone's imagination. At present, among all cities, only Beijing and Shanghai have a median wage of more than 6,000 yuan, while Guangzhou has less than 5,000 yuan.

Some people may say that there are more than a dozen cities with an average salary of over 10,000. How can Shanghai just pass 6000?

Let's briefly talk about the difference between median wage and average wage. The average wage is the sum of the wages of all income groups divided by the number of people, including entrepreneurs such as Ma Yun, Liu and Wang Jianlin, and the income of these people. The median is different. The median is a horizontal line that is neither high nor low for people in the 50% position of all income earners.

For example, Company A has 10 employees, and their salaries are 2,500, 3,000, 3,500, 4,000, 4,500, 5,000, 8,000, 20,000 and 65,438+million respectively. Among them, 8,000 are supervisors, 20,000 are vice presidents and 65,438+10,000 are bosses. Then the average salary of this company is 15450 yuan.

The median is (4000+4500) 2=4250 yuan.

So which of the two figures, 15450 and 4250, do you think is more representative of the actual income of the company? Which one is more representative of most people? Is the median certainly the most reliable?

Although the median of developed cities such as Wuhan, Xiamen and Dongguan is less than 4,000 yuan, they still exceed 50% of the population. So the reality is that it is not so easy to earn more than 10,000 yuan a month. Most of the high-paying people in first-tier cities are because of the large population base. There are also many people with a monthly salary of 4,000 to 5,000 yuan in Grade A office buildings in Lujiazui, Shanghai. In remote fifth-tier cities, there are still many people whose salary is above 1000.

So the number written at the beginning has actually exceeded 25%, and I am afraid it has exceeded one third. Especially in big cities, the value even exceeds the median. You don't have to look online. You can earn hundreds of thousands a year and still cry. You know how much you earn.

The state has not announced the standard of middle income. The so-called middle income is actually mainly our personal subjective imagination or the free division of some academic institutions.

20 19 65438+ 10/0 zhe, director of the national bureau of statistics, said that the income group in China has exceeded 400 million. The criteria for dividing middle-income families in China are very broad. Take a standard family of three as an example. Those who have an annual income of 6.5438+10,000 yuan to 500,000 yuan and have the ability to buy a car, house and travel for leisure can generally be considered as middle-income families. There are about1.400 million such families. In fact, in the eyes of many netizens, an annual income of more than 200,000 is a wealthy family.

In fact, every year, the National Statistical Yearbook groups the income levels of China residents. According to the latest classification standard, the per capita disposable income of families with 20% middle income is only 26,249 yuan. According to the sixth national census, the family size in China is only 3. 1, and it is still shrinking. In this case, it can be said that the national income level is in the middle of 280 million people, the per capita disposable income is only 26,000 yuan, and the family income is only about 78,000 yuan.

The per capita disposable income of 20% families in the upper-middle income group is only 4 1 172 yuan. The family income of these 280 million people is only 6.5438+0.2 million yuan.

Therefore, if an employee in a family earns more than 10,000 yuan a year, it can not only ensure that the family income belongs to the upper middle class, but also at least exceed 70% of the families in the country.

In fact, China is too big, and everyone is greatly influenced by the people around, so I always feel that everyone's income level is very high. In fact, China has a population of1400 million, and the urbanization rate of China only reached 60.6% in 20 19.

As far as national income is concerned, in 2020, the per capita disposable income of national residents has just reached 32 189 yuan, the per capita disposable income of urban residents is 43,834 yuan, and the per capita disposable income of rural residents is only 17 13 1 yuan.

So, don't be fooled by the prosperity of the surrounding cities. We still have many places and many people are very poor. Young people don't have to worry about the first-tier cities in Beijing, Guangzhou and Shenzhen. China is still very big, and there is always a place to live.

How to answer this question?

Tell me about my family. My daughter-in-law and I earn about 230,000 yuan a year and manage about 40,000 yuan, so our income is 270,000 yuan. It is such an income that all my friends say that in Qingdao, no more than 50% of families, it is estimated that more than 20% of the country is good. So you can think about how much family income is the middle level! It is estimated that family income must exceed 500,000 to reach the middle level.

In addition to looking at statistical data, there is a more intuitive method, which is to look at the details of family life in each income segment, such as what the bedroom is like, what the bathroom is like, what the children's toys are like, and so on.

Where can I find such information? It's a little troublesome to go out.

In fact, people overseas have done this kind of collection work and set up special websites.

This special website named Dollar street presents the details of life in different countries and families with different incomes in the form of pictures and videos. By adjusting the income range, you will find out where your family income is, and you will also find that it seems that the life of middle-class families in different countries is strikingly similar.

The comparison of different incomes in the same country and the comparison of different incomes in the same country will enhance your cognitive horizon and even make you sweat at the first contact.

Being in a cold sweat is my personal experience. I remember when I visited this website for the first time 1, I saw a golden street. The west end of the street is a low-income area, and the farther east, the higher the income. Walking along the street from west to east, watching shocking pictures and videos, watching the living environment of slums become more and more modern with the eastward movement, and the facilities at home are becoming more and more familiar. Finally, I saw the bathroom, kitchen and bedroom that are almost the same as real life. I stopped to look at the input signs at the moment, which is almost my family income. However, looking at the whole street, the position at the moment is not even in the middle. ...

I hope my answer can provide you with a new thinking dimension [yi tooth]

This depends on the specific situation, such as having a house and a car, paying back the mortgage, and how to position the car loan. If you have a house and a car, you don't have to pay the mortgage. How to position the car loan? If you can't afford a house or a car, how can you position yourself?

Take the annual income of about 200,000 as an analogy!

Let's talk about having a house and a car, and paying off the mortgage and car loan.

I have a car and a house, but I'm a little nervous if I have to pay more than 10 thousand a month, even if I have 20 thousand a month

Not to mention the monthly living expenses of a family of three, just the extra property fees, utilities, and most importantly, the children's expenses.

If you are a little short of money, except for mortgage and car loan, other expenses are almost enough.

But if you want to enroll your child in this class, that class or that family wants to travel, I'm afraid the cost will be a little tight at this time.

So, if you only earn 0.2 million/200 thousand a year, you have to pay off the mortgage and car loan. Relatively speaking, the standard of living is not very high, and it is a bit difficult to reach the middle level.

What is the level of 200,000 without a house or a car?

I have a friend who works in a first-tier city with an annual income of more than 200,000 and no house or car.

Because there is no house, the hukou has not been moved to the first-tier cities. His daughter has been attending private schools, which are very expensive.

This year, my daughter was admitted to the normal score line of high school. Local students can go to ordinary high schools, but her daughter can't. She can only choose a high-priced high school with an annual tuition fee of more than 70 thousand.

That is the reality. Without a house, schooling is restricted. My friend has been trying to save money to buy a house, but everyone knows the house prices in first-tier cities. A small three-bedroom apartment costs several million yuan, and it depends on the income of more than 200,000 yuan every year. I don't know how to buy a house

You said, what is the income of 200,000 in first-tier cities?

If you move to a small city, it is another matter. If you save money for a few years, you can buy a very nice house and your living standard can be improved a lot at once.

Finally, let's talk about people who have a house and a car and don't have to pay back their mortgage and car loan. What is the level of 200,000?

Without the pressure of mortgage and car loan, 200 thousand is only used as ordinary living expenses and daily expenses. No matter in big cities or small cities, I think the living standard must be above average.

If so, financial freedom can basically be achieved.

Such families are enviable, but as far as the average level of our country is concerned, such families are few and far between, and most of them are struggling.

Summary:

An annual income of 200,000 may not mean anything. There may be many rich people, but on average, people who have no money still account for the vast majority.

If you want to reach a high level, you need to keep working hard, struggle and struggle again.

I believe everyone's life will get better and better.

It depends on which city you live in, you can't generalize. Middle-class families should at least meet the economic requirements of food, clothing, housing and transportation, and at least have a house and a car!

The couple's annual income is 6.5438+million, and the family of three has an annual income of 6.5438+0.5 million. Life in third-and fourth-tier cities is also good. The premise is to have a house and a car.

There is no specific standard for the definition of middle-class families. Some people say that it should be judged according to the annual household income. If you are in a big city like Beijing, Guangzhou and Shenzhen, the annual income of more than 500,000 can be regarded as the middle class; The annual income of families in second-tier cities has reached more than 300,000 yuan; The annual income of families in third-and fourth-tier cities is more than 200,000 yuan; In some counties, the annual household income can reach more than 6.5438+0.5 million yuan, even if it is middle-class. This standard is based on the province and city where it is located. Because there are differences in consumption levels, there are also many differences in setting standards.

I don't remember that year. I have read a data that the average annual income of middle-level families is 200,000.