Low Income | < $50,000
Learn More Cluster Data and Legend Info
Guide to Cluster Data
Percentages listed are the percentage of all US households that fall into this cluster.
Income:
Median Income360® per household. Represents both income from wages and generated from assets.
Spending:
Median DS$™ (Discretionary Spending Dollars) per household. A modeled dollar amount that households in the cluster spend on discretionary items annually after accounting for the fixed expenses of life.
Legend
Family
Couple
Single w/Kids
Single
Couple/Single
Family/Single
Family/Single w/Kids
Family
Couple
Single w/Kids
Single
Couple/Single
Family/Single
Family/Single w/Kids
Low Spending < $35K
Moderate Spending $35-$65K
High Spending > $65K
Few Lines of Credit* — Low Usage**
Some Lines of Credit* — Moderate Usage**- Many Lines of Credit* — High Usage**
* Number of cards represents relative quantity of credit lines
** Shade represents relative credit utilization
Low Spending < $35K
Moderate Spending $35-$65K
High Spending > $65K
Few Lines of Credit* — Low Usage**
Some Lines of Credit* — Moderate Usage**Young (Under 35)
A1.
Tough Start: Young Single Parents
- % of HH: 1.01%
- Income: $24,610
- Spending: $12,934
- Credit Use: Very High
A2.
Tough Start: Young Singles
- % of HH: 0.55%
- Income: $22,331
- Spending: $10,967
- Credit Use: Very High
A3.
Starting Small: Small-Town Families
- % of HH: 1.59%
- Income: $37,828
- Spending: $27,148
- Credit Use: High
A4.
Starting Small: Small-Town Singles
- % of HH: 0.82%
- Income: $40,797
- Spending: $28,668
- Credit Use: High
A5.
Living on Loans: Young Urban Single Parents
- % of HH: 0.20%
- Income: $43,932
- Spending: $29,517
- Credit Use: Very High
A6.
Living on Loans: Young Urban Singles
- % of HH: 0.63%
- Income: $41,342
- Spending: $29,704
- Credit Use: Very High
Working Years (35-54)
B7.
Mid-Life Strugglers: Families
- % of HH: 1.27%
- Income: $28,471
- Spending: $13,319
- Credit Use: Very High
B8.
Mid-Life Strugglers: Singles
- % of HH: 1.13%
- Income: $31,485
- Spending: $10,305
- Credit Use: Very High
B9.
Getting By: Small-Town Families
- % of HH: 1.53%
- Income: $41,176
- Spending: $26,545
- Credit Use: High
B10.
Getting By: Small-Town Singles and Couples
- % of HH: 1.01%
- Income: $42,781
- Spending: $21,129
- Credit Use: High
B11.
Credit Crunched: City Families
- % of HH: 0.45%
- Income: $43,459
- Spending: $28,811
- Credit Use: High
B12.
Credit Crunched: City Singles
- % of HH: 0.58%
- Income: $44,296
- Spending: $26,398
- Credit Use: High
Pre-Retirement (55-64)
C13.
Retiring on Empty: Singles
- % of HH: 0.60%
- Income: $27,638
- Spending: $10,402
- Credit Use: Very High
C14.
Burdened by Debt: Singles
- % of HH: 0.39%
- Income: $36,697
- Spending: $11,128
- Credit Use: High
C15.
Sensible Spenders: Families
- % of HH: 0.04%
- Income: $43,037
- Spending: $19,732
- Credit Use: High
C16.
Sensible Spenders: Small-Town Empty Nesters
- % of HH: 0.89%
- Income: $41,168
- Spending: $15,180
- Credit Use: High
C17.
Sensible Spenders: Urban Pre-Retirement Singles
- % of HH: 1.00%
- Income: $43,469
- Spending: $23,045
- Credit Use: High
Retired (65+)
D18.
Relying On Aid: Retired Singles
- % of HH: 0.22%
- Income: $26,485
- Spending: $12,030
- Credit Use: Very High
D19.
Rough Retirement: Small-Town and Rural Seniors
- % of HH: 0.79%
- Income: $42,170
- Spending: $18,234
- Credit Use: High
D20.
Struggling Elders: Singles
- % of HH: 3.87%
- Income: $34,774
- Spending: $14,133
- Credit Use: High
D21.
Modest Means: Urban Retirees
- % of HH: 0.70%
- Income: $44,137
- Spending: $28,065
- Credit Use: High