Economic Cohorts classifies consumers into clusters based on a multi-dimensional framework including financial capacity, estimated income and householder demographics. The clusters are then placed into standard groups within broad income ranges. All clusters in the ‘Moderate Income’ tier show estimated household income values between $50 and $100K.]
Percentages listed are the percentage of all US households that fall into this cluster.
Median Income360® per household. Represents both income from wages and generated from assets.
Median DS$™ (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.
Low Spending < $35K
Moderate Spending $35-$65K
High Spending > $65K
Few Lines of Credit* — Low Usage**
Some Lines of Credit* — Moderate Usage**
Many Lines of Credit* — High Usage**
* Number of cards represents relative quantity of credit lines
** Shade represents relative credit utilization
Economic Cohorts provides maximum differentiation of households based on economic data only available from Equifax.
Products used include Income360®, DS$™, and Ability to Pay Index™.
It more accurately identifies affluent households and aligns with the way you run your business.
Young (Under 35)
Credit City: Young Families
% of HH:1.75%
Credit City: Young Singles
% of HH:1.08%
Midscale Mainstream: Small-Town Families
% of HH:1.75%
Midscale Mainstream: Small-Town Singles and Couples
% of HH:0.60%
Getting Ahead: Young City Families
% of HH:0.70%
Getting Ahead: Young City Singles
% of HH:0.51%
Working Years (35-54)
Living Simply: Small-Town Families
% of HH:2.61%
Living Simply: Small-Town Singles and Couples
% of HH:4.67%
Credit Rules: Urban Families
% of HH:1.16%
Credit Rules: Urban Singles
% of HH:1.80%
Suburban Stability: Families
% of HH:0.79%
Suburban Stability: Singles and Couples
% of HH:1.54%
Committed to Credit: Small-Town Couples
% of HH:0.77%
Striving for Balance: Urban Pre-Retirement Singles