$40,000 in Pennsylvania
Household income percentile, occupation comparison, and lifestyle context for Pennsylvania.
Occupations near $40,000 (single earner)
BLS national median wages within ±15% of $40,000 — gives texture for which careers and seniorities land at this income level.
| Occupation | Stage | National wage |
|---|---|---|
| Customer service rep | mid-career | $39,850 |
| Cashier | senior | $41,000 |
| Office clerk | mid-career | $41,000 |
| Electrician | entry-level | $38,000 |
| Plumber | entry-level | $38,000 |
| Restaurant cook | mid-career | $35,780 |
Source: BLS Occupational Employment and Wage Statistics (OEWS), May 2024. National medians; metro/state variance can be ±30%. Career stage estimates: entry ≈ 25th pct, senior ≈ 75th pct of the same SOC code.
Single earner vs two-earner household
One earner pulling $40,000 typically means a customer service rep or comparable role. Above-median earner status in Pennsylvania.
Two earners at $20,000 each combined = $40,000. Each individual is below median individually, but the household lands at the same percentile as a single $40,000 earner.
Lifestyle context — rent burden in Pennsylvania
At $40,000 gross, statewide median rent eats 37% of income — HUD-defined cost-burdened. Metro areas (LA, SF, NYC, Boston, Seattle) typically run 30-50% above the statewide median.
Home affordability at $40,000
Using the 28% rule on a 30-year mortgage, $40,000 gross supports a home purchase up to about $107,925. Pennsylvania median home value is $246,200 — you can afford 44% of the median home, so buying requires lower-priced markets, a larger down payment, or co-buying.
How $40,000 ranks in neighboring states
State-adjusted percentile shows the same income placed in Pennsylvania's contiguous neighbors. Relevant for relocation, remote-work geography, or border-town decisions.
| State | Median HH | % vs median | Percentile |
|---|---|---|---|
| Pennsylvania (current) | $76,081 | -47% | 28th |
| West Virginia | $56,191 | -29% | 38th |
| Ohio | $69,680 | -43% | 31th |
| New York | $84,578 | -53% | 26th |
| Delaware | $84,825 | -53% | 25th |
| New Jersey | $101,050 | -60% | 21th |
| Maryland | $101,652 | -61% | 21th |
$40,000 ranks similarly in
Other incomes in Pennsylvania
Common questions
- Is $40,000 a good household income in Pennsylvania?
- It's at roughly the 28th percentile for Pennsylvania after adjusting for the state's median income ($76,081). Nationally that's about the 27th percentile. Whether "good" depends on household size, debt, and metro cost of living — Census medians smooth over big within-state variation.
- How does $40,000 compare to the Pennsylvania median?
- It's 47% below the Pennsylvania median household income of $76,081 (Census ACS 2023, table B19013). Half of Pennsylvania households earn less than $76,081, half earn more.
- Why does this number differ from other percentile calculators?
- Two sources of variation: (1) some calculators use individual income, not household — household income is typically higher because it combines earners. (2) Some use single-year ACS, others use 5-year averages. We use ACS 2023 1-year B19080 for the national distribution and adjust by state median ratio.
Full data sources and formulas: /sources.