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Urban Institute Study Finds Nearly Half of U.S. Households Struggle to Afford Essentials
A new report from the Urban Institutes American Affordability Tracker shows that about 49% of people in American families do not have the resources to cover the true cost of living. This means that in the current economy, many households cannot afford the essentials needed to live securely in their communities.
Key Findings
49% of U.S. families cannot afford the cost of essentials such as housing, food, child care, health care, and energy.
Since 2017, earnings have grown about 43% nationwide, but home sale prices rose 81% and rents increased 54%.
The lowest-cost Silver health plan on the Affordable Care Act Marketplace has risen 77%, and child care costs have grown dramatically.
Residential electricity costs are now about $40 more per household per month than in 2017, and gas prices have risen by $1.00 per gallon since late February 2026.
Rising costs are not limited to high-cost areas even previously low-cost regions like parts of Atlanta, Chicago, Louisville, Winston-Salem, Columbus, Nashville, western New York, south-central Wisconsin, and central Florida are seeing housing, health care, and grocery prices rise faster than in other areas.
Wounded Bear
(64,935 posts)Faux pas
(16,647 posts)Nevilledog
(55,209 posts)Wounded Bear
(64,935 posts)BH liberal
(226 posts)We are now living in a full blown plutocracy and heading toward an oligarchy. The largest economy in the world and half the citizens can't keep their nostrils above water!
BH liberal
(226 posts)is how far in debt those families in the 49% have fallen. Click on the credit card delinquencies by state in the study. Wanna guess the states with the highest percentages of delinquencies?
Orrex
(67,617 posts)BH liberal
(226 posts)Washington has to be blamed for spreading the designer coffee addiction and California for avocado this and avocado that. Ask Bill Maher...he knows about the jungle in CA where they are grown.
Biophilic
(6,847 posts)Hard to tell these days.
oasis
(54,492 posts)Should be Democrats next campaign slogan.
BH liberal
(226 posts)to solve our chronic messaging problems during campaigns. The results of this study should be trumpeted far and wide. A guest on NPR mentioned it today, but I haven't seen any references to it in the MSM.
oasis
(54,492 posts)a short time ago.
BH liberal
(226 posts)of a feudal lord. We serfs should feel lucky we have his "protection". After all, he has set up the Trump Accounts which will surely make our children rich someday.
EarthFirst
(4,277 posts)Its absolutely insane to begin to understand how much longer they expect us to shoulder these burdens
BH liberal
(226 posts)until we take to the streets. Or finally start voting en masse to defeat incumbents.
hibbing
(10,644 posts)Since 2017? Earnings for who?
BH liberal
(226 posts)I would say that it's likely the surging upper earners have inflated that number. I am painfully aware that my teacher pension and social security benefits ain't doin' much.
BurnDoubt
(1,983 posts)is we dont work anywhere near long or hard enough to live the lavish lifestyles to which weve become accustomed.
Our Government has allowed itself to be overtaken by wealthy overlords who will NEVER allow themselves to be lowered to the level where they feel the pinch. Trump has NEVER been in a retail establishment without a camera crew. Hes never payed for anything himself, and doesnt care how much things cost because he's using other-peoples'-money.
The Oligarchists got together and took the reins and set about eliminating any Power Labor had to be an advocate for the vast majority of Americans who work for a paycheck. If the subject of Labor comes up, its in the form of liabilities to the bottom line. Thats what inflation is
your paycheck. They will negotiate among themselves for the materials they need, but Labor has to take what they grudgingly give to a lone applicant who is free to take the deal or take-a-walk.
Unions went a long way toward building a strong middle class. Guess what happened when they were emasculated?
Conservatives will NEVER understand what an Economy is as long as they think they are the only ones in it.
BH liberal
(226 posts)Trump and his billionaire (and trillionaire) buddies' new interest in adding Greenland and Canada to our realm is to secure "lebensraum" to which locales We, the Serfs will be deported to live in subsistence mode.
BurnDoubt
(1,983 posts)For the Lebensborn.
And they can burn the cripples where nice people dont have to smell it.
Its good to have a plan.
You cant make this shit up.
Somebody already did.
And MY conspiracy Theory is that this is the same lot who tried this ninety years ago and nearly pulled it off. Theyve since tweaked the plan and moved the core of their operation to the US, and have been building the skids since Roosevelt died. I think theyd been grooming the Felon since he was in the Asshole Academy.
BH liberal
(226 posts)The old adage that you can't win an argument if you bring up a Nazi comparison is now out of date. We have no idea how far they will go if we keep electing them and Project 2025 is fully implemented.
maxsolomon
(39,542 posts)Why don't the poor have stock portfolios that could supplement their incomes?
BH liberal
(226 posts)In a March 2026 post on X (formerly Twitter), Scott asked followers to imagine putting $500 into a savings or investment account every month from age 18 to 65. I've never had even an extended family member who could afford to do that.
Cheezoholic
(4,209 posts)in their first stupid projekt 2029 release from what I read. I'm sorry, this isn't bashing, but if that's sincerely the most important thing to them they gotta go and fast. Saving this country and fighting the money in our politic, which the above supposed #1 issue makes me extremely suspect is filling their pockets too, better be first and foremost or I may be finished. That's not the party I've fought with to save this country for my entire life. I don't get it I really don't.
Sorry, it just enraged me this week.
BH liberal
(226 posts)about the GOP having all the irrelevant wedge issues.
William Seger
(12,594 posts)With this economy, and the blatant racism and open corruption of public officials, are we getting great again, or what?
BH liberal
(226 posts)modern-day robber barons and the GOP version of Tammany Hall running the show.