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A four-year college degree is a minimum requirement for many jobs, and more education can translate to higher earnings. It’s possible, however, to find jobs that make good money without college.

When comparing good jobs you can get without college experience, it’s helpful to consider earning potential and the skills you might need.

Definition of a Good-Paying Job

There is no standard benchmark for what constitutes a good-paying job. According to the Bureau of Labor Statistics (BLS),median weekly earnings were $1,204 in 2025, roughly equivalent to $62,600 annually. That’s across all occupations, regardless of education level.

Whether that’s a good-paying job for you depends partly on your lifestyle. Some people can live comfortably on $60,000 or less, while others might struggle. A single person living in an area with a low cost of living may feel rich, while someone supporting a spouse and children in a high-rent area could easily disagree. A spending app can help you stay on top of your financial situation once the paychecks start rolling in.

Jobs that don’t require a college degree can pay more or less than $100,000, depending on the industry. But perhaps a more important consideration is what kind of trade-offs are involved in working a good-paying job in terms of time commitment and flexibility.

Good-Paying Jobs vs Highest-Paying Jobs

The highest-paying jobs have median pay in excess of $200,000 a year, according to the BLS. People who work in the highest-paying jobs may require advanced education, certifications, or specific job skills.

Does that mean good-paying jobs aren’t worth considering? Not at all. The highest-paying jobs can also be some of the most stressful ones. Many are in the health care field, requiring long hours, dealing with emotional or mental stress, and working in potentially hazardous surroundings.

Good-paying jobs can still pay the bills, even if you don’t make a $100,000 salary. And the job itself may be less stressful and allow for a decent work-life balance, which some people prefer over a bigger paycheck.

Pros and Cons of Jobs That Don’t Require a College Degree

As with all jobs, better-paying ones have advantages and disadvantages. Whether it makes sense for you to consider jobs that pay well without the need for a college education can depend on your financial and career goals.

Here are some of the main pros and cons to weigh when deciding whether to pursue a good-paying job and forgo college.

Pros	Cons
Avoiding the potentially high costs associated with a four-year degree	Reluctance of some employers to hire candidates who don’t have a college degree
Starting off your career without student loan debt	Barrier to entry for certain career fields that require a college degree
Earning a steady income straight after high school	Difficulty in finding good-paying jobs that don’t require college, with significant competition

Why It’s Hard to Find Jobs Without a Degree

Finding good jobs without a college degree is often difficult because many employers expect candidates to have at least a bachelor’s degree. Additionally, many professions require four-year college degrees for entry-level positions.

There are lots of jobs you can get without a degree, or with an associate degree, but they may not pay as well as jobs that do require higher education. A college degree can make you a more attractive candidate for a position because it demonstrates to employers that you’ve taken steps to prepare for a successful career.

Does a four-year college degree or higher guarantee that you’ll be successful or make a lot of money? No, and some industries that require a degree pay very little. That’s another reason to consider well-paying jobs that don’t require a college degree.

Tips for Finding Jobs Without a College Degree

If you’re interested in getting a good-paying job without a college diploma, it’s important to do your homework. Specifically, it’s helpful to understand:

•   Which industries or career fields generally require a degree, and which ones don’t

•   What skills, experience, or expertise may be substituted for a college degree when searching for good-paying jobs in specific industries

•   Whether it may be to your advantage to get an associate degree or a postsecondary non-degree certification

•   What is competitive pay for the good-paying jobs you’re interested in, based on industry standards and trends

•   The difference between salary vs hourly pay and why it matters

You should also consider the types of jobs you’re interested in. If you’d like to do something hands-on, for instance, then you may be curious about what trades make the most money and whether you’ll need an associate degree to enter those fields.

If you’re an introvert, perhaps you’re focusing on finding the best-paying jobs with little human interaction that don’t require a degree.

Recommended: 30 Low-Stress Jobs for Introverts Without a Degree

25 Good-Paying Jobs Without a College Degree

Wondering which jobs pay the most without a college degree? We analyzed BLS data to find good-paying jobs that don’t need a four-year degree and compiled the following list based on:

•   Median annual pay

•   Minimum education level required (high school diploma or equivalent, postsecondary non-degree award, or associate degree)

•   Expected job growth through 2034

Read on for a list of 25 good-paying jobs you can get without going to college.

1. Makeup Artist, Theatrical and Performance

Median annual pay: $50,280

Job growth outlook: 8%

Job description: Makeup artists apply cosmetic and special-effects makeup to performers in theatrical and other entertainment settings.

Job duties and requirements:

•   Create and apply makeup looks to performers

•   Complete touch-ups as needed to keep makeup looking fresh throughout the performance

•   Typically requires a postsecondary non-degree award,

How to get started: Makeup artists may attend cosmetology school or earn professional certifications in makeup artistry before applying for jobs. Some artists, however, are self-taught and start their careers by showcasing their makeup skills on TikTok or other social media.

Pros:

•   Makeup artists can make excellent money without a college degree.

•   This is a highly creative job that often involves meeting new people.

•   Makeup artistry can offer flexible hours and opportunities to travel.

Cons:

•   Higher pay isn’t guaranteed.

•   Work environments can sometimes be harsh, and artists may be subject to criticism.

•   It’s not ideal for people who aren’t comfortable in a fast-paced work environment.

2. Commercial Pilot

Median annual pay: $198,100

Job growth outlook: 4%

Job description: Commercial pilots fly planes and other aircraft, and can work for major airlines, charter companies, or private individuals.

Job duties and requirements:

•   Operate flight equipment to safely transport cargo or passengers

•   Check the condition of the aircraft prior to takeoff

•   Associate degree and on-the-job training may suffice for pilots who don’t plan to fly for major airlines,

How to get started: Flight training and Federal Aviation Administration (FAA) certification are essential for commercial pilots. On-the-job training may be substituted for an associate or a bachelor’s degree.

Pros:

•   Commercial pilots can make a lot of money, even without a degree.

•   Pilot jobs offer opportunities to travel to new places.

•   Work can be flexible.

Cons:

•   Requires extensive flight and on-the-job training.

•   Flying for a living is generally a higher-risk occupation.

•   Private pilots may have to contend with demanding clients.

3. Air Traffic Controller

Median annual pay: $144,580

Job growth outlook: 1%

Job description: Air traffic controllers help to guide aircraft from one destination to another. They can work at major airports or smaller airfields.

Job duties and requirements:

•   Monitor the movement of aircraft in the air and on the ground

•   Communicate with pilots during takeoff, while in-flight, and during landing

•   Sufficient work experience and on-the-job training

How to get started: If you’re interested in becoming an air traffic controller, you’ll need to first meet the minimum requirements. Typically, that means at least 12 months of on-the-job training, an associate or bachelor’s degree through an FAA-approved program, or several years of work experience.

Pros:

•   Air traffic control jobs can pay exceptionally well.

•   The work is fast-paced and engaging.

•   Job growth isn’t spectacular, but demand is expected to hold steady.

Cons:

•   It’s typically a high-pressure job.

•   It may require working long hours, including weekends and holidays.

•   Room for advancement may be limited.

4. Nuclear Technician

Median annual pay: $104,240

Job growth outlook: -8%

Job description: Nuclear technicians work in nuclear facilities to assist physicists, engineers, and professionals in operating and maintaining those facilities.

Job duties and requirements:

•   Monitor nuclear facility equipment

•   Measure levels of radiation and collect air, soil, and water samples to test for contamination

•   Associate degree or equivalent military service,

How to get started: Anyone interested in working as a nuclear technician may first want to obtain an associate degree in nuclear science or a related field. Job applicants may be able to substitute military experience for an associate degree if they had nuclear training while enlisted.

Pros:

•   Nuclear technicians can be compensated well for their time and skills.

•   An advanced science degree is not necessarily a requirement.

•   Nuclear tech jobs may offer opportunities to work independently.

Cons:

•   Working in a nuclear facility is generally a high-risk job.

•   The job outlook is declining, which means there may be fewer nuclear technician jobs in the future.

•   Advancement opportunities may be limited without a higher degree.

5. First-Line Supervisor of Police and Detectives

Median annual pay: $105,980/year

Job growth outlook: 3%

Job description: First-line supervisors are responsible for overseeing the conduct of subordinate officers, managing investigations, and ensuring that all law enforcement protocols are properly applied.

Job duties and requirements:

•   Assist in criminal investigations as needed

•   Manage daily operations of police and detective personnel

•   High school diploma or equivalent

How to get started: Becoming a first-line supervisor begins with completing the necessary training to become a police officer. That usually means attending the police academy. Once hired as a rookie officer, individuals can work their way up the ranks to a supervisory position.

Pros:

•   First-line supervisors can earn a six-figure salary

•   A high school education may be enough to get started in a law enforcement career

•   There is additional room for advancement.

Cons:

•   Entry-level salaries may be relatively low.

•   It can take years to work your way up to a supervisor position.

•   Police work in general tends to be a dangerous profession.

6. Transportation, Storage, and Distribution Manager

Median annual pay: $102,010

Job growth outlook: 6%

Job description: Managers are responsible for planning and coordinating transportation, storage, and distribution services or activities. Logistics manager is another job title that can fall under this occupational heading.

Job duties and requirements:

•   Oversee and organize operations related to the transportation, storage, and distribution of movable goods or commodities

•   Ensure that all activities are completed in accordance with local, state, and federal law

•   High school diploma or equivalent, plus relevant work experience,

How to get started: Since this is a managerial role, it’s generally necessary to start off in an entry-level position in the transportation, storage, and distribution industry. On-the-job training and experience, as well as time on the job, can be key to advancement in this type of job.

Pros:

•   It’s suitable for organized and detail-oriented individuals.

•   It offers a well-above-average earning potential.

•   The industry is experiencing above-average job growth.

Cons:

•   It may require long working hours.

•   It can be a high-pressure job.

•   Certain aspects may be more challenging, including working with a wide range of customers.

7. Elevator and Escalator Installer and Repairer

Median annual pay: $106,580

Job growth outlook: 5%

Job description: Elevator and escalator installers and repairers assist with the installation, maintenance, and repair of elevator and escalator systems in commercial and residential properties.

Job duties and requirements:

•   Develop and implement plans for elevator or escalator installation

•   Maintain, service, and repair elevator and escalator equipment

•   High school diploma or equivalent

How to get started: The typical path to becoming an elevator and escalator installer and repairer begins with completing an apprenticeship. Apprentices may join a program approved by a union or trade industry to learn the necessary skills.

Pros:

•   No advanced degree is needed to get started.

•   It offers great earning potential for high school grads who are interested in a hands-on technical job.

•   While job growth is slower than for other occupations, there continues to be high demand for workers with these skills.

Cons:

•   It may involve being on call during antisocial hours, which can complicate work-life balance

•   Elevator installers and repairers generally need to be comfortable with working in close or cramped conditions.

•   The work can sometimes be dangerous.

8. Power Plant Operator, Distributors, and Dispatchers

Median annual pay: $103,600

Job growth outlook: -10%

Job description: Power plant operators, distributors, and dispatchers oversee systems that generate and distribute electric power. Nuclear power reactor workers can also fall within this job category.

Job duties and requirements:

•   Control and maintain the equipment that’s used in power generation

•   Routinely conduct safety checks to ensure equipment is functioning properly

•   High school diploma or equivalent and on-the-job work experience,

How to get started: A college degree is not required to work as a power plant operator, though it may benefit you to have an educational background in engineering or a related field. This job emphasizes extensive on-the-job training, though it’s possible you may need to obtain certain professional certifications for career advancement.

Pros:

•   No degree is needed to qualify for this job.

•   Much of what you need to know can be learned on the job.

•   Power plant operators earn a competitive salary.

Cons:

•   Can involve hazardous working conditions.

•   May require working long hours or being on call.

•   Job growth is declining as the use of renewable energy increases.

9. Radiation Therapist

Median annual pay: $101,990

Job growth outlook: 2%

Job description: Radiation therapists administer radiation to people being treated for cancer and may work hand-in-hand with medical dosimetrists, medical physicists, and oncology nurses.

Job duties and requirements:

•   Explain treatments to patients and answer any questions they might have

•   Administer doses of radiation in a safe environment and at the levels specified by the patient’s treatment plan

•   Associate degree or certificate program,

How to get started: If you’re interested in a career in radiation therapy, you may need an associate degree in nursing or a certificate in nursing to qualify. State law may also require you to be licensed or certified and complete ongoing education requirements.

Pros:

•   Earning potential is solid, and there may be room for advancement.

•   Demand for radiation therapists appears to be holding steady.

•   It’s suitable for people with strong soft skills.

Cons:

•   It may require working long hours.

•   It can involve standing on your feet for a long time.

•   Working with people who are severely ill can take a toll emotionally and mentally.

10. Subway and Streetcar Operator

Median annual pay: $84,830

Job growth outlook: 3%

Job description: Subway and streetcar operators are responsible for the safe operation of subway trains, streetcars, and similar methods of transportation in compliance with local, state, and federal laws.

Job duties and requirements:

•   Operate subway or elevated trains or streetcars to convey passengers from one location to another

•   Some subway or streetcar operators may be charged with collecting fares

•   High school diploma or equivalent and on-the-job experience,

How to get started: A high school diploma or GED to apply for subway or streetcar operator jobs is typically sufficient to get most entry-level positions. From that point on, you’ll mostly learn what you need to know through hands-on training and experience.

Pros:

•   The pay scale is great for a job with no degree.

•   You don’t need to sit at a desk all day.

•   Working hours may be flexible.

Cons:

•   It may involve dealing directly with the public,

•   There is some risk, as subway and streetcar accidents can happen,

•   No hard physical labor is involved, but it may be mentally and emotionally draining.

11. Signal and Track Switch Repairer

Median annual pay: $83,600

Job growth outlook: 2%

Job description: Signal and track switch repairers are responsible for keeping track switch systems used on rail lines functioning properly. They primarily work within the railroad system, though they may also be employed by state and local government agencies.

Job duties and requirements:

•   Install and inspect track switches and signal equipment

•   Test, maintain, and repair gate crossings along railroad lines

•   High school diploma or equivalent and on-the-job training,

How to get started: Getting an associate degree in electrical repair could give you an edge if you’re interested in being hired as a signal and track switch repairer. However, it’s possible to break into this field with just a high school diploma because much of what the job requires is learned through hands-on experience. Completing an apprenticeship with an electrician could also be helpful.

Pros:

•   No degree is required to enter this industry, though it’s worth considering.

•   There is room for advancement.

•   It offers above-average pay.

Cons:

•   It generally requires good communication skills.

•   The work may be dangerous sometimes.

•   It may require working on-call hours or long shifts.

12. Postmaster and Mail Superintendent

Median annual pay: $92,730

Job growth outlook: -4%

Job description: Postmasters and mail superintendents oversee the operation of postal service branches and offices. This is technically not a federal job, but postal workers are entitled to the same benefits as federal employees.

Job duties and requirements:

•   Plan, direct, and coordinate administrative, operational, management, and support services at U.S. post office locations

•   Oversee the activities of employees working at post office branches

•   High school diploma or equivalent and on-the-job training

How to get started: If you’re interested in postal service jobs, you can apply for them online through the post office website. You’ll need to complete the online Postal exam, but no degree or prior experience is required in order to get hired. This could be a good way to continue working after retirement.

Pros:

•   There is room for advancement.

•   The job offers competitive pay and great benefits, including paid leave and health insurance.

•   Full-time postmasters generally have weekends off.

Cons:

•   Seasonality can make this job more hectic at certain times of the year.

•   It may involve dealing with the public from time to time.

•   Job growth is on a slight decline, though there continues to be demand for postal workers.

13. First-Line Supervisor of Firefighting and Prevention Workers

Median annual pay: $92,430

Job growth outlook: 3%

Job description: First-line supervisors oversee the activities of firefighting and prevention workers. They’re responsible for coordinating the operation of fire departments and may be referred to as a fire chief or fire captain.

Job duties and requirements:

•   Respond to fire calls and assign firefighters specific tasks to extinguish fires and rescue persons who may be trapped in affected buildings

•   Assess fire damage and write reports summarizing fire calls

•   A postsecondary non-degree certificate and on-the-job training,

How to get started: A high school diploma may be sufficient to apply for a firefighter supervisor job, though it may benefit you to earn a degree in fire science if you’re hoping to obtain a managerial role. You’ll need to be physically fit, attend fire academy, and complete a written exam as part of the application process.

Pros:

•   It provides an opportunity to give back to your local community and do rewarding work.

•   It offers solid earning potential with room for advancement.

•   Firefighting jobs include a generous employee benefits package.

Cons:

•   It can involve working long hours and being on call, impacting your work-life balance.

•   The job may be physically demanding.

•   Firefighting can be mentally and emotionally taxing.

14. Dental Hygienist

Median annual pay: $94,260

Job growth outlook: 7%

Job description: Dental hygienists typically work in dental offices and perform basic preventative care for patients, including visual exams and cleanings. They may work on a part-time or full-time basis.

Job duties and requirements:

•   Perform dental cleanings and take X-rays

•   Educate patients on proper dental hygiene techniques

•   Associate degree and state licensing,

How to get started: High school graduates who have taken courses in health or science may have a good framework for pursuing an associate degree in dental hygiene or enrolling in a dental hygiene training program. All states require dental hygienists to be licensed; requirements vary by state.

Pros:

•   It may offer the flexibility of part-time or full-time work.

•   It could be a good choice for people who enjoy interacting with others.

•   Dental hygienists typically have nights and weekends off.

Cons:

•   Some patients may be challenging to work with.

•   It may require lots of standing and bending, which can take a physical toll on you.

•   Training and licensing takes time and money to complete.

15. Police Officer and Detective

Median annual pay: $77,270

Job growth outlook: 3%

Job description: Police officers enforce the law and protect people and property. Detectives investigate crimes, which can include collecting evidence, interviewing witnesses and potential suspects, and testifying in criminal court cases.

Job duties and requirements:

•   Police officers respond to emergency and non-emergency calls, patrol assigned areas, make arrests, and execute search warrants

•   Detectives investigate crimes in order to identify victims and suspects, and collect evidence for cases that may be referred for prosecution

•   High school diploma or equivalent and on-the-job training,

How to get started: A high school diploma may be all you need to apply for police officer training at a local accredited academy. Some departments may require an associate or bachelor’s degree. You’ll need to be physically fit and successfully complete a psychological evaluation.

Pros:

•   You can serve in your local community and give back.

•   There is room for advancement, particularly if you’re interested in detective work or a supervisory role.

•   There are opportunities for specialization if you’re interested, such as becoming a game warden or pursuing a career in federal law enforcement.

Cons:

•   Entry-level pay may be on the lower end.

•   While a degree is not necessarily required, getting hired can be a rigorous process.

•   Work involved can be mentally, emotionally, and physically taxing, and. in some cases, dangerous.

16. Aircraft and Avionics Equipment Mechanic and Technician

Median annual pay: $79,140

Job growth outlook: 5%

Job description: Aircraft and avionics equipment mechanics and technicians maintain and repair aircraft. They can work at airports, repair stations, or hangars, and some may have previous experience serving planes in the military.

Job duties and requirements:

•   Diagnose mechanical or electrical problems with aircraft and make repairs

•   Test aircraft instruments to ensure that they’re in good working order

•   High school diploma, though an associate degree is beneficial,

How to get started: People who are interested in working in avionics may be able to enter the field with just a high school diploma, though some employers may look for an associate degree or higher. Technicians may need to complete FAA-approved training.

Pros:

•   The work is interesting if you’re fascinated with planes or mechanical engineering.

•   It offers above-average pay.

•   Job growth outlook suggests that these jobs will continue to be in demand.

Cons:

•   Working around airplanes and other aircraft can lead to hearing loss.

•   FAA certification is required, which can take time to complete.

•   Work schedules may be less flexible than with other jobs.

17. Claims Adjuster, Examiner, Appraiser, and Investigator

Median annual pay: $76,790

Job growth outlook: -5%

Job description: Claims adjusters, examiners, appraisers, and investigators handle various aspects of insurance claims. They typically work full-time and help insurance companies decide when to pay claims, based on the information they gather.

Job duties and requirements:

•   Investigate, evaluate, and settle insurance claims, including determining how much an insurer should pay

•   Review claims information to look for signs of insurance fraud

•   High school diploma or equivalent,

How to get started: If you’re interested in insurance jobs, the path you follow can depend on what type of role you’re interested in. If you’d like to be an appraiser, for instance, you might complete a postsecondary non-degree award program and gain experience by working in an auto body shop.

Pros:

•   While job growth is expected to decline, demand for adjusters and related roles is set to rise as currently employed professionals age into retirement.

•   Depending on which role you’re interested in, your work may take you outside the office versus keeping you at a desk all day.

•   The work may be interesting for people who have an inquisitive nature.

Cons:

•   Some may find gathering information and writing reports to be tedious.

•   A bachelor’s degree may be required for certain jobs.

•   Work schedules may be less flexible than in other jobs.

18. Fire Inspector

Median annual pay: $75,480

Job growth outlook: 6%

Job description: Fire inspectors are responsible for visiting commercial and residential buildings and ensuring that they’re observing proper fire safety protocol. They can also specialize in fire prevention education or forest fire management.

Job duties and requirements:

•   Inspect buildings to look for fire hazards and ensure that structures are aligned with local, state, and federal fire codes

•   Review building plans with developers to ensure that new construction meets fire code standards

•   High school diploma or equivalent and previous experience as a firefighter,

How to get started: Typically, fire inspectors first work as firefighters, though that isn’t necessarily a requirement for candidates who have other suitable education or training. A high school diploma may be sufficient for the job, though it may benefit you to earn a degree in fire science or attend a fire academy.

Pros:

•   Fire inspection is typically less hazardous than firefighting.

•   It offers above-average pay, with the potential for higher earnings if you decide to complete a degree program.

•   It can be a rewarding job for people who want to do work that serves the public good.

Cons:

•   Previous experience as a firefighter may be a requirement to get hired.

•   Working hours may be long and irregular.

•   Fire inspectors may potentially be exposed to hazardous materials or substances during the course of their work.

19. Water Transportation Worker

Median annual pay: $66,490

Job growth outlook: 1%

Job description: Water transportation workers operate vessels that transport goods or people over bodies of water. Ferry operators, barge operators, and ship captains are all examples of water transportation workers.

Job duties and requirements:

•   Operate and maintain cargo and passenger-carrying vessels in accordance with local, state, and federal laws

•   Ensure the safety of people or cargo on board vessels

•   No formal education needed but may require US Coast Guard-approved training,

How to get started: There are different requirements for each type of water transportation role. Sailors, for instance, typically don’t need formal education, but you might need Coast Guard-approved training to captain a ship or helm a barge. Certain water transport workers may need to obtain Merchant Mariner credentials or Transportation Worker Identification credentials.

Pros:

•   Water transport jobs may appeal to people who love being on open water or want to work outdoors.

•   A bachelor’s degree may not be necessary, but it could lead to higher earnings and promotions.

•   More new openings are expected over the next decade as existing water transport workers retire.

Cons:

•   The work schedule may be highly irregular and require you to spend extended periods of time away from home.

•   Work hours may be long, with little time for breaks.

•   Operating water vessels can be a hazardous occupation.

20. Electrical and Electronics Installer and Repairer

Median annual pay: $71,270

Job growth outlook: 0%

Job description: Electrical and electronics installers get paid to install and repair electrical or electronic equipment. They may work in repair shops or factories and usually work on a full-time basis.

Job duties and requirements:

•   Inspect and test equipment to diagnose potential issues

•   Disassemble, reassemble, clean, and repair equipment

•   Training and education at the trade school level,

How to get started: Electrical and electronics installers and repairers are typically expected to complete a training program through a trade, vocational, or technical school. Hands-on training, either through a school program or apprenticeship, can also be very useful when seeking these types of jobs.

Pros:

•   A bachelor’s degree is not required.

•   It could be ideal for people who enjoy hands-on work.

•   Licensing and certification may not be needed, but they may open up opportunities for advancement or higher earnings.

Cons:

•   Job growth is stable but not spectacular.

•   Working around electricity and electronics can pose safety risks.

•   The job may be physically demanding, with lots of standing, squatting, bending, and lifting.

21. Occupational Therapy Assistant and Aide

Median annual pay: $66,050

Job growth outlook: 18%

Job description: Occupational therapy assistants and aids work in health care settings, including hospitals, doctors’ offices, and nursing care facilities. They help patients to develop the necessary skills for daily living and working.

Job duties and requirements:

•   Occupational therapy assistants provide therapy services to patients

•   Occupational therapy aides provide support services to occupational therapy assistants

•   High school diploma for aides; associate degree for assistants,

How to get started: If you’re interested in becoming an occupational therapy aide, then a high school diploma may be all you need. You could pursue an associate degree if you’d like to advance into an occupational therapy assistant role. Certifications in CPR and basic life support may also be required for these types of jobs.

Pros:

•   It’s one of the fastest-growing fields in health care, with high demand for qualified candidates.

•   It offers great earnings potential for people with a high school diploma.

•   It may allow for travel or flexible work schedules.

Cons:

•   It can be a physically demanding field.

•   Flexible working hours are not always guaranteed, and you may need to work nights or weekends.

•   Certain patients may be more challenging to care for than others.

22. Court Reporter and Simultaneous Captioner

Median annual pay: $67,310

Job growth outlook: 0%

Job description: Court reporters transcribe official court proceedings, including trial proceedings, hearings, and depositions. Simultaneous captioners provide transcription services for video recordings that require closed captioning.

Job duties and requirements:

•   Court reporters attend court proceedings and transcribe the details word-for-word

•   Captioners transcribe dialogue for video recordings, including television shows and films, that are used to create captions for viewers

•   Certificate or associate degree,

How to get started: Becoming a court reporter or captioner may start with completing a certificate or associate degree program at an accredited trade school. Court reporters may need to complete additional training to learn how to use transcription software. States may require certification or licensing for court reporters and captioners.

Pros:

•   It is a good-paying job for those who do not have a four-year degree.

•   There are opportunities to do court transcription or captioning work on a freelance basis.

•   Overall job growth and demand are stable.

Cons:

•   The job may involve sitting for long periods of time.

•   Working hours may be long, and you might have to take work home with you.

•   It could be stressful, as there’s no room for errors.

23. Telecommunications Equipment Installer and Repairer

Median pay: $64,310

Job growth outlook: -3%

Job description: Telecommunications and equipment installers and repairers are responsible for installing, maintaining, and repairing telecommunications equipment, including phone lines, cable lines, and wireless communication equipment.

Job duties and requirements:

•   Install telecommunications equipment in commercial and residential structures

•   Inspect, service, and repair telecommunications equipment

•   Certificate or associate degree,

How to get started: Telecom equipment installation and repair jobs typically require at least a high school diploma or equivalent. Depending on the employer, you might need a certificate or associate degree. Once hired, you can expect to complete on-the-job training.

Pros:

•   It may involve travel or work in different settings, which is great for people looking for a change of scene.

•   Salaries are above average, with room to advance and increase earnings.

•   It affords opportunities to meet new people and apply your problem-solving skills.

Cons:

•   Average salaries are not as high as for other good-paying jobs that don’t require a college degree.

•   Additional education may be required for certain jobs.

•   This kind of work can have risks, such as falling when servicing cell phone towers.

24. Commercial Diver

Median annual pay: $61,300

Job growth outlook: 9%

Job description: Commercial divers can work in a number of capacities, but generally they’re paid to use their scuba skills. For example, divers employed by the oil and gas industry may be charged with inspecting underwater drilling structures to check for damage or structural issues.

Job duties and requirements:

•   Inspect and repair underwater structures and equipment or photograph marine life

•   May use a variety of power and hand tools, such as drills, sledgehammers, torches, and welding equipment

•   Postsecondary non-degree award and scuba training

How to get started: Becoming a commercial diver starts with deciding what type of work you want to do. For instance, if you want to get paid to photograph marine life, then you may want to complete a photography certificate program at an accredited school. If you’re interested in using your diving skills to repair underwater structures, then you may need to learn a specialized skill like welding.

Pros:

•   Diving for a living can be a fun job for people who like being in the water.

•   Advanced education or training may not be a requirement for entry-level jobs.

•   Diving jobs can offer flexibility and great earning potential.

Cons:

•   The work can be physically demanding.

•   Work may not always be regular if you’re hired as a contract worker.

•   Diving is an inherently dangerous activity.

25. Drafter

Median annual pay: $65,380

Job growth outlook: 0%

Job description: Drafters use software programs to convert engineering and architectural designs into technical drawings. They may work in a variety of fields, including architecture, engineering, manufacturing, and construction. This could be a lucrative work-at-home job for retirees.

Job duties and requirements:

•   Use computer-aided design software to design plans, working from sketches done by architects or engineers

•   Specify dimensions and materials for new building projects

•   Certificate, diploma, or associate degree,

How to get started: Drafters may continue their high school education by attending a trade school to obtain a certificate or associate degree. They may also opt to obtain certifications in their field, though that isn’t always necessary to get hired.

Pros:

•   Drafting may be a good career for someone who’s artistic or creative.

•   Getting certification or earning a four-year degree could boost your earning potential.

•   Job growth is projected to slow, but there will still be demand for drafters as current employees retire.

Cons:

•   The work requires exceptional attention to detail.

•   Economic disruptions, such as recessions, may reduce demand for drafters if construction slows.

•   Certain aspects of the job can be repetitive or tedious.

The Takeaway

Finding a good-paying job without a college degree is possible. Some require technical education, military training, or on-the-job experience. Industries that welcome high school grads include transportation, law enforcement, power plants, telecoms, the postal service, and health care. Perks can include travel opportunities and flexible hours. Some jobs pay more than $100K annually.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What good jobs can you get if you don’t go to college?

Some good-paying jobs that you can get without going to college include air traffic controller, law enforcement, and certain health care roles. Trade and transportation jobs can also pay well and don’t necessarily require a college degree.

How can I make six figures without going to college?

If you’re interested in making six figures a year without a college degree, you’ll need to either find a good-paying job or start a successful business. It’s possible to make six figures online as a freelance writer or blogger if you have good writing skills and are motivated to grow your business.

How do people make a living without a college degree?

Plenty of people make a living without a college degree by using their skills and experience to land good-paying jobs. Others can earn a good living by starting their own business venture, which doesn’t necessarily require a degree.

What do good jobs typically pay?

There’s no accepted benchmark of good pay, but the median annual salary in the US is around $62,600. Whether that’s a decent salary depends on your family circumstances and spending habits, but it allows many people to comfortably pay their bills and have some money left over for enjoyment.

How do I find a good-paying job without a degree?

Use the above list of jobs to search for something locally that might be right for you. If you know someone who has a career in one of these areas, talk to them and ask for advice. Then brush up your resume and start applying!

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About the author

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Photo credit: iStock/MesquitaFMS

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Earning $55,000 a year can be a good salary for a single person. While it’s below the national average salary of $69,846.57, it’s still higher than what the typical worker earns in some states.

Of course, determining whether a $55,000 annual salary is enough for you to live on depends on where you live, your lifestyle, your financial obligations, and a number of other factors. Let’s dive in.

Is $55K a Good Salary?

The American economy has changed significantly over the past few years. While the job market has remained consistently strong, inflation has outpaced wage growth. In fact, wage growth was three percentage points lower than overall inflation, according to a November 2023 Bankrate survey. You don’t need a money tracker to tell you that this means a $55,000 annual salary no longer goes as far as it once did.

But inflation is just one piece of the puzzle. Another factor to consider is where you are in your career. While a salary of $55K is below the average salary in the U.S., it can be considered a good wage, especially if you’re just starting out.

Recommended: What Is a Good Entry-Level Salary?

Average Median Income in the US by State

Certain states tend to pay better, often because they have a higher cost of living. The following chart shows the median income for each state based on U.S. Census Bureau data.

State	Median Household Income
Alabama	$66,659
Alaska	$95,665
Arizona	$81,486
Arkansas	$62,106
California	$100,149
Colorado	$97,113
Connecticut	$96,049
Delaware	$87,534
Florida	$77,735
Georgia	$79,991
Hawaii	$100,745
Idaho	$81,166
Illinois	$83,211
Indiana	$71,959
Iowa	$75,501
Kansas	$75,514
Kentucky	$64,526
Louisiana	$60,986
Maine	$76,442
Maryland	$102,905
Massachusetts	$104,828
Michigan	$72,389
Minnesota	$87,117
Mississippi	$59,127
Missouri	$71,589
Montana	$75,340
Nebraska	$76,376
Nevada	$81,134
New Hampshire	$99,782
New Jersey	$104,294
New Mexico	$67,816
New York	$85,820
North Carolina	$73,958
North Dakota	$77,871
Ohio	$72,212
Oklahoma	$66,148
Oregon	$85,220
Pennsylvania	$77,545
Rhode Island	$83,504
South Carolina	$73,350
South Dakota	$76,881
Tennessee	$71,997
Texas	$79,271
Utah	$96,658
Vermont	$82,730
Virginia	$92,090
Washington	$99,389
West Virginia	$60,798
Wisconsin	$77,488
Wyoming	$75,532

Recommended: Highest Paying Jobs by State

Average Cost of Living in the US by State

The term cost of living refers to the amount of money someone needs to cover basic living expenses, such as housing, utilities, food, and health care. According to the U.S. Bureau of Economic Analysis (BEA), here’s how much residents in each state spend on necessities.

State	Average Cost of Living
Alabama	$47,096
Alaska	$66,356
Arizona	$56,211
Arkansas	$46,259
California	$67,565
Colorado	$66,448
Connecticut	$66,645
Delaware	$60,131
Florida	$62,618
Georgia	$52,806
Hawaii	$60,711
Idaho	$48,098
Illinois	$60,612
Indiana	$51,821
Iowa	$49,473
Kansas	$51,082
Kentucky	$48,901
Louisiana	$50,454
Maine	$63,046
Maryland	$58,310
Massachusetts	$71,946
Michigan	$54,197
Minnesota	$58,433
Mississippi	$43,947
Missouri	$54,405
Montana	$58,499
Nebraska	$54,512
Nevada	$56,103
New Hampshire	$68,900
New Jersey	$65,873
New Mexico	$48,119
New York	$66,426
North Carolina	$53,334
North Dakota	$58,090
Ohio	$52,708
Oklahoma	$46,319
Oregon	$58,150
Pennsylvania	$59,260
Rhode Island	$58,041
South Carolina	$51,423
South Dakota	$54,100
Tennessee	$51,507
Texas	$54,060
Utah	$52,677
Vermont	$62,629
Virginia	$58,224
Washington	$62,837
West Virginia	$50,286
Wisconsin	$54,705
Wyoming	$55,543

How to Budget for a $55K Salary

Depending on your financial obligations, regional cost of living, and other factors, you may find it easier to stretch a $55,000 annual salary with the help of a budget. (A budget planner app can help you set up a spending plan and allow you to monitor your credit score.)

One method to try is the 50/30/20 budget, which recommends setting aside:

•   50% of your earnings for “needs” (such as housing, food, and transportation)

•   30% for “wants” (such as entertainment and travel)

•   20% for savings and debt repayment.

Recommended: US Average Income by Age

Maximizing a $55,000 Salary

When it comes to making every dollar count, it helps to identify the biggest line items in your budget. Typically, these will be housing, transportation, and food. If you’re looking for ways to stretch a $55,000 annual salary, these may be natural places to start trimming. For instance, if you live alone and are open to a shared housing arrangement, you may want to consider getting a roommate. Or if you live near coworkers, it may be worthwhile to explore carpooling to work.

But there are other ways to maximize a $55,000-a-year salary. Here are a few strategies to consider:

•   Build up an emergency fund. Aim to save at least three to six months’ worth of basic living expenses.

•   Pay down debt. If you’re carrying a credit card balance and you’ve already built up an emergency fund, you may want to focus on paying off debt.

•   Step up your retirement savings. If you have a 401(k) retirement plan with your employer, run the numbers and see if you can increase your monthly contributions. You may also be eligible for an employer match.

Is $55,000 a Year Considered Rich?

While $55,000 a year is no six-figure salary, it can be more than enough for a single person to live comfortably. This is particularly true if they have a low cost of living, little to no debt, or are only supporting themselves.

But is that salary enough to classify someone as rich? One way to think about it is to look at the person’s net worth. To calculate net worth, simply subtract outstanding debts or liabilities from the value of all combined assets.

You can also use tools like a net worth calculator by age to help you determine how a $55K a year salary stacks up.

Is $55K a Year Considered Middle Class?

The Pew Research Center defines “middle class” as households with incomes that are two-thirds to double the national median income, which was $81,604 according to the most recent U.S. Census Bureau data from 2024. By that definition, “middle class” is household income ranging from $54,402 to $163,206, and $55,000 falls just within this range.

Examples of Jobs that Make About $55,000 a Year

Whether you’re looking for jobs for introverts or entry-level roles, you’ll likely find a number of positions that pay around $55,000 a year. Here are some examples:

•   Desktop publisher: $53,620

•   Postal service mail carrier: $56,510

•   Carpenter: $56,350

•   Biological technician: $52,000

•   Broadcast, sound, and video technician: $56,600

The Takeaway

While $55,000 a year is lower than the national average salary, it may be enough for a single person to support themselves. However, cost of living, financial obligations, personal spending habits, inflation, and other factors can impact how far the money goes. To help make the most of your salary, consider strategies such as creating a budget and savings plan you can stick to and using financial tools to monitor your spending.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Can I live comfortably making $55k a year?

Depending on where you live, it’s possible for a single person with little to no debt and no dependents to live comfortably on a salary of $55,000. However, it may require you to carefully manage your budget and control your expenses.

What can I afford with a $55k a year salary?

Depending on the city and state that you live in, you should be able to afford housing, transportation, healthcare, and some discretionary spending. But just how much will largely depend on your area’s cost of living, your overall expenses, and your budget.

How much is $55k a year hourly?

A $55,000 annual salary works out to about $22.50 per hour.

How much is $55k a year monthly?

If you make $55,000 a year, you may earn around $4,583 per month, depending on your tax situation.

How much is $55k a year daily?

An annual salary of $55,000 comes out to about $220 per day.

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Photo credit: iStock/PeopleImages

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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If you’re single and earning $200,000 a year, chances are you’re able to afford a comfortable life. That level of income is more than three times what the average American worker makes each year. Of course, your cost of living, inflation, and financial obligations also factor into how far the money goes.

Let’s take a closer look at a $200,000 salary and see how it compares to incomes across the country.

Is $200K a Good Salary?

By most standards, $200,000 a year is a good salary, especially for a single person with no dependents. However, how well you’re able to live on that income will depend on a number of factors, including your household size, where you live, and your spending habits. You may find it helpful to use tools, such as a money tracker, that can help you monitor your spending and provide you with valuable insights into your finances.

Median Household Income in the US by State

Are you wondering how a $200,000 salary stacks up against a typical salary in the U.S.? There are a few ways to find out. You can look at the average salary in the U.S., which stands at $69,846.57 as of 2024, per the Social Security Administration. Or you can compare it to the national median household income, which, as of 2024, was $81,604 per year according to the U.S. Census Bureau. In both cases, a salary of $200,000 is significantly higher.

The table below shows the median household annual income in each state.

State	Median Household Income
Alabama	$66,659
Alaska	$95,665
Arizona	$81,486
Arkansas	$62,106
California	$100,149
Colorado	$97,113
Connecticut	$96,049
Delaware	$87,534
Florida	$77,735
Georgia	$79,991
Hawaii	$100,745
Idaho	$81,166
Illinois	$83,211
Indiana	$71,959
Iowa	$75,501
Kansas	$75,514
Kentucky	$64,526
Louisiana	$60,986
Maine	$76,442
Maryland	$102,905
Massachusetts	$104,828
Michigan	$72,389
Minnesota	$87,117
Mississippi	$59,127
Missouri	$71,589
Montana	$75,340
Nebraska	$76,376
Nevada	$81,134
New Hampshire	$99,782
New Jersey	$104,294
New Mexico	$67,816
New York	$85,820
North Carolina	$73,958
North Dakota	$77,871
Ohio	$72,212
Oklahoma	$66,148
Oregon	$85,220
Pennsylvania	$77,545
Rhode Island	$83,504
South Carolina	$73,350
South Dakota	$76,881
Tennessee	$71,997
Texas	$79,271
Utah	$96,658
Vermont	$82,730
Virginia	$92,090
Washington	$99,389
West Virginia	$60,798
Wisconsin	$77,488
Wyoming	$75,532

Source: U.S. Census Bureau

Average Cost of Living in the US by State

Cost of living varies by region, state, and even city — and this is often reflected in salaries. An area with a high cost of living, for example, tends to pay higher wages, and vice versa.

So if you’re wondering whether $200K is a good salary, it can help to look at the cost of living where you live and see how it compares to different parts of the country. The chart below, which features data from the U.S. Bureau of Economic Analysis, breaks down this information by state.

State	Average Cost of Living
Alabama	$47,096
Alaska	$66,356
Arizona	$56,211
Arkansas	$46,259
California	$67,565
Colorado	$66,448
Connecticut	$66,645
Delaware	$60,131
Florida	$62,618
Georgia	$52,806
Hawaii	$60,711
Idaho	$48,098
Illinois	$60,612
Indiana	$51,821
Iowa	$49,473
Kansas	$51,082
Kentucky	$48,901
Louisiana	$50,454
Maine	$63,046
Maryland	$58,310
Massachusetts	$71,946
Michigan	$54,197
Minnesota	$58,433
Mississippi	$43,947
Missouri	$54,405
Montana	$58,499
Nebraska	$54,512
Nevada	$56,103
New Hampshire	$68,900
New Jersey	$65,873
New Mexico	$48,119
New York	$66,426
North Carolina	$53,334
North Dakota	$58,090
Ohio	$52,708
Oklahoma	$46,319
Oregon	$58,150
Pennsylvania	$59,260
Rhode Island	$58,041
South Carolina	$51,423
South Dakota	$54,100
Tennessee	$51,507
Texas	$54,060
Utah	$52,677
Vermont	$62,629
Virginia	$58,224
Washington	$62,837
West Virginia	$50,286
Wisconsin	$54,705
Wyoming	$55,543

How to Live on $200K a Year

In general, when you earn well into the six figures, you have more than enough for your basic needs (such as housing, food, transportation, and health care), with funds left over for savings, investments, and enjoyment.

But it’s human nature to spend up to your income. Even if you have one of the highest-paying jobs in the state, it won’t do you any good if you spend every penny you earn. As your income increases, so do your expenses, so it’s important to set up and stick to a budget.

Recommended: What Is a Good Entry-Level Salary?

How to Budget for a $200K Salary

There are many different ways that you can budget on a $200,000 salary. A simple way to start is by writing down your monthly income and expenses and comparing the two. If your expenses are more than your income, you will need to plan to either raise your income or lower your expenses to be able to balance your budget and live within your means.

As you fine-tune your plan for spending and saving, you might find that using a budget planner app is useful.

Maximizing a $200K Salary

You have no shortage of options when it comes to making the most of a $200,000 salary. For some people, maximizing their salary means increasing their standard of living and enjoying the here and now. For others, a high salary might offer more of an opportunity to contribute to retirement accounts and save for the future.

In fact, creating an emergency fund, paying down debt, and contributing to your retirement savings account are just a few ways to get the most from a $200,000 salary. Whatever strategy you choose, make sure that it fits in with your financial objectives and life goals.

Quality of Life With a $200K Salary

A $200,000 annual salary is significantly higher than the average pay in the United States. This means that you can most likely afford to settle down in a desirable area, cover your living expenses, build up your savings, and still have money left over for enjoyment. However, keep in mind that salary is just one piece of the puzzle; geography, unique personal circumstances, and your financial situation can all impact your quality of life.

Is $200,000 a Year Considered Rich?

There’s no standard definition of “rich,” though most people would certainly consider a single person making $200,000 to be well-off. But again, where you live and the cost of living there also play a role. Another way to think about what “rich” means is to calculate your net worth. Essentially, it’s the value of your combined assets minus any outstanding debts or liabilities.

It may also be useful to see how your net worth compares to your peers. Tools such as a net worth calculator by age can be a good place to start.

Is $200K a Year Considered Middle Class?

The short answer is no. If you look at the data for the average income by age, you will see that an annual salary of $200,000 is significantly above average for all age cohorts. What’s more, $200K exceeds what the Pew Research Center defines as middle class, which is an income that’s two-thirds to double the national median household income. If this figure is $81,604, a middle-class household would earn between $54,403and $163,208.

Example Jobs That Make About $200,000 a Year

Whether you’re considering a new career path or thinking about asking for a raise, it can help to know the types of jobs that pay around $200,000 a year.

Professions that pay this annual salary tend to require advanced degrees or specialized training. Here are a few examples of jobs that pay near or more than that amount, according to data from the BLS:

•   Physician: $239,200

•   Airline and Commercial Pilot: $198,100

•   Pediatrician: $222,340

•   Dentist: $179,210

Recommended: 30 Best Jobs for Introverts

The Takeaway

Is a $200,000 salary good for a single person? Yes, it is. In fact, that level of income significantly surpasses what a typical American worker earns in a year. But it’s worth noting that your local cost of living and financial obligations can impact how far the money goes, and so can your spending habits. After all, it’s easy to spend more as your income grows. To help keep yourself on firm financial footing, it’s a good idea to create a budget you can stick to and adjust it as your life and financial needs evolve.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Can I live comfortably making $200K a year?

Since an annual salary of $200,000 is well above the national average salary, it’s quite likely that you will be able to live comfortably on that income.

What can I afford with a $200K salary?

What you can afford with a six-figure salary will depend on a number of factors, including where you live, the size of your household, and your overall financial situation. However, $200,000 is a very good salary, especially for a single person, so it’s likely you can afford your basic needs with plenty of money left over for savings and enjoyment.

How much is $200K a year hourly?

If you earn $200,000 a year, your hourly rate would be around $96.15.

How much is $200K a year monthly?

A $200,000 annual salary works out to roughly $16,667 per month.

How much is $200K a year daily?

A $200,000 salary is approximately $547.95 per day.

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Photo credit: iStock/FG Trade

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Getting married can be a pricey proposition, with the average wedding in the U.S. now running $36,000. If you don’t have access to a large stockpile of cash, you may think you’ll never be able to afford the kind of wedding you envision. But that’s not necessarily the case. The key is to start budgeting and saving well ahead of the big day.

Whether you long for a fairy tale wedding or you prefer something more scaled back, there are ways to save for your dream day that will ensure you have the magical moment you’ve always wanted without having to start off your marriage in debt.

Set a Budget

Do you want a big, lavish wedding worthy of the royals? A destination wedding? Or maybe something more intimate with just a few friends and family? There are different levels of spending when it comes to weddings, and deciding what is most important to you can help you determine how much you’ll need to save. A wedding cost calculator can also be a useful tool as you begin considering your budget.

Is the venue a priority? The number of people? The food? The DJ (or band)? It’s smart to start by making a list and getting a solid estimate of the costs for each of your need-to-haves and your want-to-haves. It’s also wise to leave a little wiggle room for unexpected wedding costs. Little things, such as the marriage license, dress or suit alterations, and even insurance costs, can start to eat into your budget pretty quickly.

Recommended: 8 Ways to Fund Your Wedding

Start a Savings Plan

Before you’ve locked in the date, you and your partner can start a savings plan. Some couples open a separate bank account and set up automatic monthly transfers to that account to build their wedding fund. When savings are automated, you often don’t notice the missing funds. And by picking an account with a competitive interest rate, your money can make money while you continue to plan and save.

If you’re thinking about financing part of your wedding, you’ll want to start investigating your options, which can range from credit cards to personal loans (which typically have lower rates than credit cards), early on and weighing the pros and cons of taking on debt.

Put the Wedding First

Sure, you may want to go on vacation, eat at fancy restaurants, and buy those new clothes, but you’ll be further from your goal. Instead of spending on those luxuries now, cutting back and putting that money into your shared dream wedding account can help you get to your savings goal quicker.

There are also some simple ways to cut back that won’t make you feel deprived. For example, you can take local day trips or vacations in your state instead of traveling far. Eating out just once a month and cooking at home more can cut costs. You could even get swanky and hold a cocktail hour with friends at your house instead of going to happy hour. Your new bank account will thank you.

Recommended: The Cost of Being in Someone’s Wedding

Do It Yourself

One way to keep wedding costs down is to plan the majority of the wedding yourself. If you already have experience managing projects, then this should be within the realm of your abilities. Researching the typical steps and fees associated with weddings before making any concrete decisions can be helpful, and you might also want to research budgeting tips for weddings. If that feels daunting, keep in mind that the average starting rate for a full-service wedding planner in the US is $3,000.

And though there are advantages to using a planner (they already have a contact list of professionals and know their rates, saving you a lot of time and energy), the downside is that you could be getting a one-size-fits-all experience instead of the personalized ceremony and party you want.

Comparison Shop

Just like other big expenses, getting more than one quote for each service you need can help you find the best price point to fit your needs and wants. Does your preferred venue charge a premium for a wedding but a lower price for a party? You may want to consider negotiating the price. Calling multiple DJs and catering services can help you ensure you are not overpaying. New York City is going to have very different rates than Asheville, North Carolina, for example. This might even be a factor in deciding when to have your wedding, too. For a better idea of how much costs can vary, you can check out this comparison of wedding costs by state.

You can save a ton of money by doing away with an expensive venue altogether and looking at free or inexpensive locations, such as parks, gardens, and beaches.

And if you’re willing to hold your celebration on a weekday or off-season, you’re likely to find some additional savings. For example, you can pick Friday instead of Saturday, or organize a fall or winter event to help lower your costs.

Reassess the Dress

Maybe your dream wedding includes a Vera Wang gown, but your bank account can’t swing that. Consider shopping for a vintage dress and having it altered. Or if you want a more modern look, you don’t necessarily have to buy brand new — wedding dresses are usually only worn once and then either hang in the back of a closet or get sold or donated. Resellers often offer beautiful dresses at a fraction of the initial cost.

Consider this: Wedding dresses less than three years old are usually sold for half their original price. And that Vera Wang might not be out of reach after all if you buy it used. Designer brands can sell for 40% to 80% of their original cost.

Recommended: What Is the Ideal Wedding Budget?

Where Not to Cut Costs

While you might not have much of an appetite on your big day, your guests likely will, so it’s a good idea not to scrimp on the food. It doesn’t have to be a five-star, multicourse meal, but if you want to create a memorable experience for all, it’s smart to offer quality food that doesn’t leave anyone grumbling about “wedding food.”

And what good is a dream wedding if you have bad or no photos to remember it by? A good photographer can capture all the special moments of you and your guests. These are photos that you will cherish, frame and place on your dresser, and send to your family, so avoid costs here. Although the average fee of a wedding photographer ranges from $2,500 to $4,000, it could be the best decision you make for your special day.

The Takeaway

Saving for your dream wedding might seem impossible, but it’s within your grasp if you’re willing to put in the time and effort. By cutting a few everyday costs and making automatic transfers into a high-yield savings account every month, you and your soon-to-be spouse will be able to slowly but surely build your wedding fund.

You can also find ways to trim wedding costs while staying true to your vision for the special day. If you find you’ll still need to rely on some type of financing to pay for your big day, be sure to consider all your options to find the least expensive one.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

SoFi’s Personal Loan was named a NerdWallet 2026 winner for Best Personal Loan for Large Loan Amounts.

FAQ

How much should I spend on a wedding?

A good place to start is calculating what you can afford and adding a 10%–15% contingency to cover any unexpected costs.

When should I start saving?

Ideally, you should start saving for a wedding as soon as you get engaged, or even sooner if you’re planning to get engaged in the near future.

How do I start saving for my wedding?

Set your maximum budget and calculate the monthly amount you can realistically save. Review your spending and identify areas where you can cut down, such as unused subscriptions, eating out, or frequent vacations. It’s also a good idea to open a high-interest savings account.

What are the best ways to cut wedding costs?

Look at off-peak times/seasons for cheaper rates, such as weekdays, Sundays, winter, or early spring. Ask friends and family to get involved by making decorations. Review the guest list to cut down on numbers, look for cheaper, unconventional venues, and get multiple quotes for catering and dining options. You can also avoid smaller costs by skipping favors, buying a second-hand wedding dress, and sending digital invites.

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Photo credit: iStock/standret

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Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

​​External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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When it comes to defining a “good” salary, there’s no one magic number. The Social Security Administration reported that the average salary in the U.S. is $69,846.57, as of 2024. Based on this data point, $70K a year is a good salary for a single person — one that puts you above the national average.

But just how far $70,000 annually can carry you varies from person to person. Existing debt and financial obligations, spending habits, and where you live can all significantly impact how comfortable you’ll be on that salary.

Let’s take a closer look.

Median Income in the US by State

When you examine income through the lens of the average pay in the U.S., you could be misled by certain outliers, like a group of people with an unusually high income. Another way to consider pay is by looking at median income. The median income in the U.S. in 2024 was $81,604, according to the latest data available from the U.S. Census Bureau. Below is the median annual household income of each state.

State	Median Household Income
Alabama	$66,659
Alaska	$95,665
Arizona	$81,486
Arkansas	$62,106
California	$100,149
Colorado	$97,113
Connecticut	$96,049
Delaware	$87,534
Florida	$77,735
Georgia	$79,991
Hawaii	$100,745
Idaho	$81,166
Illinois	$83,211
Indiana	$71,959
Iowa	$75,501
Kansas	$75,514
Kentucky	$64,526
Louisiana	$60,986
Maine	$76,442
Maryland	$102,905
Massachusetts	$104,828
Michigan	$72,389
Minnesota	$87,117
Mississippi	$59,127
Missouri	$71,589
Montana	$75,340
Nebraska	$76,376
Nevada	$81,134
New Hampshire	$99,782
New Jersey	$104,294
New Mexico	$67,816
New York	$85,820
North Carolina	$73,958
North Dakota	$77,871
Ohio	$72,212
Oklahoma	$66,148
Oregon	$85,220
Pennsylvania	$77,545
Rhode Island	$83,504
South Carolina	$73,350
South Dakota	$76,881
Tennessee	$71,997
Texas	$79,271
Utah	$96,658
Vermont	$82,730
Virginia	$92,090
Washington	$99,389
West Virginia	$60,798
Wisconsin	$77,488
Wyoming	$75,532

Recommended: The Average Income by Age in the U.S.

Average Cost of Living in the US by State

The cost of living is the amount of money needed to cover basic living expenses, such as housing, food, taxes, and health care. Here’s the average cost of living in the U.S. by state, based on U.S. Bureau of Economic Analysis data:

State	Average Cost of Living
Alabama	$47,096
Alaska	$66,356
Arizona	$56,211
Arkansas	$46,259
California	$67,565
Colorado	$66,448
Connecticut	$66,645
Delaware	$60,131
Florida	$62,618
Georgia	$52,806
Hawaii	$60,711
Idaho	$48,098
Illinois	$60,612
Indiana	$51,821
Iowa	$49,473
Kansas	$51,082
Kentucky	$48,901
Louisiana	$50,454
Maine	$63,046
Maryland	$58,310
Massachusetts	$71,946
Michigan	$54,197
Minnesota	$58,433
Mississippi	$43,947
Missouri	$54,405
Montana	$58,499
Nebraska	$54,512
Nevada	$56,103
New Hampshire	$68,900
New Jersey	$65,873
New Mexico	$48,119
New York	$66,426
North Carolina	$66,426
North Dakota	$53,334
Ohio	$58,090
Oklahoma	$52,708
Oregon	$46,319
Pennsylvania	$58,150
Rhode Island	$59,260
South Carolina	$58,041
South Dakota	$51,423
Tennessee	$54,100
Texas	$51,507
Utah	$54,060
Vermont	$62,629
Virginia	$58,224
Washington	$62,837
West Virginia	$50,286
Wisconsin	$54,705
Wyoming	$55,543

Recommended: Average U.S. Salary by State

How to Budget for a $70K Salary

Having established guard rails within your budget can help you live within your means. A popular strategy is the 50/30/20 plan, based on your after-tax income. Here’s how it works:

•   50% is for necessities. Necessities include your housing costs, utilities, car payments, groceries, transportation, health care, and other monthly debt obligations.

•   30% is for wants. This bucket includes nonessentials, such as dining out, vacations, streaming subscriptions, and shopping.

•   20% is for savings. This category lets you set aside money toward an emergency fund, home down payment, retirement, or other long-term investment for yourself.

Maximizing a $70K Salary

A $70K salary can be good for a single person, depending on your circumstances. But if you’d like to stretch your income as much as possible, here are a few ideas:

•   Determine your monthly budget. A budgeting and spending plan that works for your lifestyle and long-term goals is essential. A budget planner app lets you set custom budgets and categorize your spending so you can see where your money goes.

•   Track your overall finances. Using a money tracker tool can help you monitor your everyday money habits, sometimes including your credit score. You can review useful visuals about your financial data, learn insights, and track how well you’re sticking to your plan.

•   Consider getting a roommate. Housing costs (i.e., rent/mortgage, utilities, internet, furnishings, etc.) make up a substantial part of your budget. Although getting a roommate isn’t the best fit for everyone, it lets you share the financial load so you can maximize your $70K salary.

•   Move to a cheaper area. If you live in a costly neighborhood, explore the possibility of relocating to another part of town that has a lower cost of living.

•   Invest in yourself. Don’t let your disposable income languish in a low- or no-interest checking account. Instead, consider depositing extra cash in a high-yield savings account or retirement account.

Is $70,000 a Year Considered Rich?

Only you can determine whether $70,000 per year is rich by your preferred quality of life. One way to approach this question is by learning how to calculate your net worth. For some workers, age factors into the decision of whether a certain salary is adequate.

To dig deeper into your net worth, use a net worth calculator by age.

Is $70K a Year Considered Middle Class?

According to the Pew Research Center, approximately half of U.S. adults are considered middle class. Determining your income class as a single person earning $70,000 is a moving target depending on where you live.

Pew’s income calculator lets you quickly uncover your income tier, based on your state, metropolitan area, net income, and household size — in your case, one. For instance, $70K a year is a good salary in an upper-income tier as a single-person household in the Gadsden area of Alabama. By comparison, in Texas’s San Antonio-New Braunfels area, earning $70K annually puts you in the middle-income class.

Example Jobs That Make About a $70,000 Salary

If you’d like to earn about $70,000 per year, here are a few jobs for introverts and extroverts alike and their median salary:

•   Loan officer: $74,180

•   Insurance underwriter: $79,880

•   Railroad worker: $75,680

•   Police officer and detective: $77,270

•   Zoologist and wildlife biologist: $72,860

For more inspiration, here’s a list of the highest-paying jobs by state.

The Takeaway

Whether $70K is a good salary for a single person is dependent on the context of your situation. A combination of factors, such as your existing finances, your area’s affordability, and how lean or lavish your lifestyle is, can sway the pendulum one way or the other.

As a single person, earning $70,000 annually might be completely comfortable if you live a modest lifestyle in a city with a low cost of living. Living in a high- cost city, like Los Angeles or New York, might also be possible when you split housing costs with a roommate or relative. Assess your current bills, debts, and spending to see where you can make adjustments toward a lifestyle you enjoy.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Can I live comfortably making $70,000 a year?

It’s possible. Depending on where you live and the area’s cost of living, a $70,000 annual salary might offer a comfortable lifestyle. Your current outstanding monthly debt, family size, and financial goals can also impact whether $70,000 is enough to live comfortably.

What can I afford with a $70,000 salary?

Housing is generally the most costly monthly expense you’ll need to budget for. If you earn $70,000 and are purchasing a home, you can afford a house up to $229,813. Assuming your monthly debt is $250, your mortgage rate is 7.00% fixed, and you got a 30-year term with $20,000 down, your monthly payment would be $1,837.

How much is $70,000 a year hourly?

A $70,000 salary equates to an hourly salary of $33.65. This assumes that you’re working a full-time schedule of 40 hours per week.

How much is $70,000 a year monthly?

If breaking down $70,000 in annual base wages by month, you’d earn $5,833.33 per month. Keep in mind that this figure doesn’t account for taxes and deductions that are applied to your paycheck during payroll.

How much is $70,000 a year daily?

A $70,000 base salary comes out to $269.23 per day. This amount was calculated under the assumption that you get paid to work eight-hour work days for over 260 weekdays throughout a year.

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Photo credit: iStock/PeopleImages

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*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SORL-Q126-044

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