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The cost-of-living adjustment for an area was calculated as follows: Jackson, Tennessee, is a relatively inexpensive area, with a price level that is 17% less than the national average.

The Hawaii metropolitan area known as Urban Honolulu is one of the most expensive areas, with a price level that is 22.5% higher than the national average.

Thus, to step over the national middle-class threshold of $42,000, a household in Jackson needs an income of only about $34,600, or 17% less than the national standard. The income calculator encompasses 229 of 381 metropolitan areas in the U.

But a household in Urban Honolulu needs a reported income of about $51,000, or 22.5% more than the U. S., as defined by the Office of Management and Budget.

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