Moderate Income $50,000 - $100,000Economic 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.
Hover over the underlined cluster name or icons for more information.
E22. Credit City: Young Families
Tech-savvy young families in big cities. Low to mid-range income. Spenders, not savers. Borrow freely. Tend to carry a credit card balance. Half are renters. Active lifestyles and value material possessions.
% of HHs: 1.75%
Income: $64.6K
Spending: $34.1K
Credit Use: High
E23. Credit City: Young Singles
Young singles in big city neighborhoods. No kids. Some college or Bachelor’s degree. Apartment renters. Low to mid-range income. Active credit users; high credit utilization. Shopaholics living for today.
% of HHs: 1.08%
Income: $63.8K
Spending: $33.8K
Credit Use: High
E24. Midscale Mainstream: Small-Town Families
Young families. Mostly rural and small towns. Moderate discretionary spending and income, and average credit utilization. Carry a balance. Homeowners and renters. Family oriented.
% of HHs: 1.75%
Income: $72.9K
Spending: $38.2K
Credit Use: High
E25. Midscale Mainstream: Small-Town Singles and Couples
No kids. College-educated singles and couples in towns or city suburbs. Average number of credit /loan accounts; discretionary spending in check. Approval seekers.
% of HHs: 0.6%
Income: $74.4K
Spending: $38.6K
Credit Use: High
E26. Getting Ahead: Young City Families
Up and coming young families in cities. Controlled discretionary spending, moderate credit utilization. Some are college-educated. Starting to save. Ambitious and launching careers. Impulse shoppers.
% of HHs: 0.7%
Income: $90.4K
Spending: $53.1K
Credit Use: Moderate
E27. Getting Ahead: Young City Singles
Up and coming young singles in cities. Moderate discretionary spending and credit utilization. College-educated. Launching careers. Trendy, active and adventurous.
% of HHs: 0.51%
Income: $88.9K
Spending: $53.8K
Credit Use: Moderate
F28. Living Simply: Small-Town Families
Families with teens in small towns and rural areas. Average incomes and discretionary spending. Moderate credit utilization. Family-oriented and child-influenced.
% of HHs: 2.61%
Income: $71.7K
Spending: $33.7K
Credit Use: High
F29. Living Simply: Small-Town Singles and Couples
Couples and singles in small towns and rural areas; no kids. Average incomes and discretionary spending. Moderate credit utilization. Middle-of-the-road politics. Not materially focused.
% of HHs: 4.67%
Income: $66.3K
Spending: $30.6K
Credit Use: High
F30. Credit Rules: Urban Families
Families with teens in downscale city neighborhoods. Moderate income, average discretionary spending. High credit utilization. Desire higher social status. Child-influenced.
% of HHs: 1.16%
Income: $73.6K
Spending: $35.1K
Credit Use: High
F31. Credit Rules: Urban Singles
Mostly singles in downscale city neighborhoods. Moderate incomes. High credit utilization. Carry a balance. Living for today. Not saving. Keep up with technology trends. No kids.
% of HHs: 1.8%
Income: $71.9K
Spending: $34.2K
Credit Use: High
F32. Suburban Stability: Families
Mostly forty-somethings, married with kids. Suburbs of big cities. Somewhat higher than average income; moderate discretionary spending; use credit wisely. Dual-income professionals. Homeowners. Priority parents.
% of HHs: 0.79%
Income: $91.7K
Spending: $48.5K
Credit Use: Moderate
F33. Suburban Stability: Singles and Couples
Singles and couples; no kids. Financially balanced. Healthy income, moderate discretionary spending. Spend a little, save a little. Credit in check. Commuting professionals. Homeowners.
% of HHs: 1.54%
Income: $90K
Spending: $43.2K
Credit Use: Moderate
G34. Committed to Credit: Small-Town Couples
Pre-retirement, mostly married couples; no kids. Average income and discretionary spending, high credit utilization. Finances are not in order. High school educated. Homeowners, primarily in small towns.
% of HHs: 0.77%
Income: $70.2K
Spending: $30K
Credit Use: High
G35. Striving for Balance: Urban Pre-Retirement Singles
City dwellers. Single, some divorced or separated, no kids. Average income and discretionary spending but high credit utilization. High school, some college. Some unemployed or retired.
% of HHs: 1.9%
Income: $66.4K
Spending: $30.4K
Credit Use: High
G36. Conservative Consumers: Small-Town Empty Nesters
Pre-retired, married, no kids in the home. Financially conservative. Average income and discretionary spending. Minimal credit use. High school, some college. Homeowners in small towns and rural areas. Traditional and religious.
% of HHs: 3.58%
Income: $72.9K
Spending: $30.6K
Credit Use: High
G37. Conservative Consumers: Suburban Families
Pre-retirement, suburban dwellers. Married with teenagers. Slightly higher than average income, moderate discretionary spending, average credit use. Saving for college. High school educated. Homeowners. Family oriented.
% of HHs: 0.15%
Income: $82.2K
Spending: $32.8K
Credit Use: High
G38. Solid Foundation: Suburban Empty Nesters
Mostly married couples, no kids at home. Pre-retired homeowners in suburban areas. Savers rather than spenders. Above-average income, moderate discretionary spending, low credit utilization. Conservative investors. High school, some college. Many hobbies, charitable.
% of HHs: 1.35%
Income: $89.5K
Spending: $39.8K
Credit Use: Moderate
H39. Retired on Credit: City Singles and Couples
Seventy-something retired singles and couples, no kids. Average income and discretionary spending. High credit utilization. High school. Homeowners in mid-size cities and major metro areas. Use coupons. Not physically active.
% of HHs: 1.3%
Income: $61.4K
Spending: $26.9K
Credit Use: High
H40. Safety Net Seniors: Small-Town Retired Couples
Retirees with conservative views and finances. Small town and rural. Dislike risky investing. Average credit use. Average discretionary spending. Simple lives, few interests.
% of HHs: 1.51%
Income: $77.7K
Spending: $31.4K
Credit Use: Moderate
H41. Nest Egg Elders: Older Retirees
Elderly retirees with moderate savings. Homeowners. Most are single/widowed. Tight discretionary spending. Limited credit use. Sedentary lives. Health conscious.
% of HHs: 5.55%
Income: $68.8K
Spending: $31.2K
Credit Use: Moderate
H42. Comfortable Retirement: Suburban Couples
Older retired, suburban singles and couples. Creatures of habit. Spend within their means. Low credit reliance. Never or rarely carry a credit card balance. Prefer low risk investments. Savers.
% of HHs: 2.14%
Income: $88.8K
Spending: $43.6K
Credit Use: Low
