# How Much Net Worth Do You Need to Avoid Being Broke in Texas?

Planning a move to Texas? Here's the real talk on wealth levels in the state.

**The breakdown:**

**Poor:** Net worth $0-$15k. Think minimal assets, zero home equity, maybe carrying debt.

**Middle Class:** Earning $48k-$145k annually, average home value around $308k. Net worth typically lands between $50k-$450k when you factor in retirement savings and equity.

**Upper Middle/Rich:** Starting around $450k-$1M for upper middle class, with millionaire status kicking in at $1M+. This group usually has solid real estate equity plus diversified investments.

**The catch?** Texas ranks 14th for lowest cost of living in the US—average personal spending is about $49k/year. So your dollar stretches further here than in most states.

Bottom line: You don't need massive wealth to live comfortably in Texas. The middle class has breathing room.