American families living in half the country — 25 states — need to earn about $30 an hour, or roughly $53,000 per year after taxes, to make ends meet, according to an analysis from all-in-one finance app platform MoneyLion.

Hawaii requires the highest hourly wage of $69.43 to live, MoneyLion found after calculating each state’s costs of “necessities,” including housing, groceries, utilities, healthcare and transportation, using data from the 2024 Consumer Expenditure Survey. In zero states can a family of four get by earning less than $20 an hour, it said. A family of four is defined as a married couple with children, the oldest child age 6 to 17, it said. READ MORE