PRINCETON, NJ -- The federal poverty threshold for a family of four is just under $24,000; however, Americans believe such a family unit living in their community needs more than double that -- $58,000, on average -- just to "get by." That estimate reflects 29% of Americans saying these families need up to $50,000 in annual income, 47% saying they need between $50,000 and $99,999, and 10% saying they need $100,000 or more.

The current estimate, from Gallup's April 11-14 Economics and Finance poll, is only a bit higher than what Gallup found six years ago, in 2007. At that time, Americans estimated that the smallest amount a family of four needed to get by in their community was just over $52,000.

The poll updates a long-standing Gallup question -- first asked in the 1930s -- about the minimum amount per week a family of four needed to get by.

Minimum Income Is Relative

Americans' perceptions of what it takes to get by may, to a large degree, reflect their own lifestyles, rather than an objective assessment of local living costs. This is evident in the strong correspondence between respondents' estimates and their own household incomes.

Adults in households earning less than $30,000 think it takes an average of $43,600 to get by. However, the estimate rises to $55,100 among those earning between $30,000 and $74,999, and to $69,400 among those making $75,000 or more.

Easterners and Suburbanites Report Highest Income Requirements

Residents of the East have the highest estimate by region of what it takes to get by: $68,900. Southerners have the lowest minimum income estimate, at $50,300, followed by Midwesterners, with $54,500, and Westerners, with $61,800. Yet, despite this strong skew, Easterners are only slightly more likely than those in other regions to report having high annual incomes. About one-third in the East (34%) say they make $75,000 or more annually, compared with just under 30% in every other region.

Another factor strongly related to perceived income needs is the size of one's community. Suburbanites perceive it takes nearly $75,000 in annual income for a family of four to get by. That's roughly 50% more than the $50,100 that residents living in small towns or rural areas estimate is necessary where they live. Similarly, the estimate of adults living in urban areas -- either big or small cities -- is $53,800.

However, suburbanites also report making significantly more in annual income than those in cities or in towns and rural areas. Forty-four percent of those in the suburbs report earning $75,000 or more, compared with about a quarter of city and rural dwellers.

Bottom Line

At $58,000, Americans' perceptions of the amount it takes just to get by in their community is close to the national median household income, but well above the poverty line. Having enough to get by appears to be particularly challenging in the East, whose residents give a significantly higher average estimate of what it takes to survive. And while people may gravitate to areas that provide the lifestyle they can best afford, suburban life -- with its heavy emphasis on single-occupancy detached homes, auto-based transportation, and relatively well-off residents -- may also be less hospitable for those whose incomes fall into the $30,000 to $60,000 category.