The study's findings are shedding light on further growing financial stress and affordability struggles throughout the U.S., likely heightened by inflation and cost of living increases. Photo via Getty Images

No one wants to hear that they aren't making enough money to be considered "middle class," but those income ceilings are getting more difficult to maintain year after year across the Houston area. And a new report has revealed The Woodlands has the No. 10 highest income ceiling for American middle class earners in 2024.

According to the 2024 edition of SmartAsset's annual "What It Takes to Be Middle Class in America" report, middle class households in The Woodlands would need to make between $91,548 and $274,670 a year to be labeled "middle class." Additionally, the suburb's median middle class household income comes out to $137,335 a year.

The report used a variation of Pew Research's definition of a middle class household, stating the salary range is "two-thirds to double the median U.S. salary." To determine income limits, the report analyzed data from the Census Bureau's 2022 one-year American Community Survey. New to the 2024 report, SmartAsset widened its analysis of income data from 100 to 345 of the largest American cities.

The Woodlands' middle class income thresholds are egregiously higher than the national average, the study found.

"In a large U.S. city, a middle-class income averages between $52,000 and $155,000," the report says. "The median household income across all 345 cities is $77,345, making middle-class income limits fall between $51,558 and $154,590."

Sugar Land was right behind The Woodlands, ranking No. 13 out of all 345 U.S. cities, with households needing to make between $88,502 and $265,532 a year to maintain their "middle class" status.

In a shocking turn of events, Houston plummeted into No. 254 this year after ranking among the top 100 in SmartAsset's 2023 report. At the time, a Houston household needed to make between $37,184 and $110,998 a year to be considered middle class. But the latest findings from the 2024 report show the necessary salary range to maintain a middle class designation in Houston is now between $40,280 and $120,852 a year.

The study's findings are shedding light on further growing financial stress and affordability struggles throughout the U.S., likely heightened by inflation and cost of living increases.

"As a middle-class American, there is some expectation for living a lifestyle of relative comfort," the report said. "But as costs have increased significantly over the last few years, the middle class is now feeling a squeeze in their finances."

Here’s what it takes to be middle class in other Houston-area cities:

  • No. 34 – Atascocita: between $71,748 and $215,266 a year
  • No. 39 – League City: between $69,904 and $209,734 a year
  • No. 45 – Pearland: between $69,990 and $206,992 a year
  • No. 211 – Conroe: between $43,814 and $131,456 a year
  • No. 273 – Pasadena: between $38,048 and $114,156 a year

Middle class income thresholds within the top 10 U.S. cities
The Woodlands wasn't the only Texas city to earn a spot in the top 10. Frisco, a suburb outside of Dallas, ranked two spots higher to claim No. 8 in the national comparison of U.S. cities with the highest income thresholds to be labeled middle class.

Middle class households in Frisco need to make between $97,266 and $291,828 a year, with the median household income at $145,914, according to the report.

Unsurprisingly, half of the top 10 cities with the highest middle class income ceilings are in California. The report found households in four of the five cities could be bringing in over $300,000 a year in income and still be classified as middle class.

California’s overall high cost-of-living means residents in the No. 1 city of Sunnyvale would need to make between $113,176 and $339,562 a year to be labeled middle class. Sunnyvale overtook Fremont for the top spot in the report in 2024.

The top 10 cities with the highest middle class ceilings are:

  • No. 1 – Sunnyvale, California
  • No. 2 – Fremont, California
  • No. 3 – San Mateo, California
  • No. 4 – Santa Clara, California
  • No. 5 – Bellevue, Washington
  • No. 6 – Highlands Ranch, Colorado
  • No. 7 – Carlsbad, California
  • No. 8 – Frisco, Texas
  • No. 9 – Naperville, Illinois
  • No. 10 – The Woodlands, Texas

The full report and its methodology can be found on smartasset.com.

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This article originally ran on CultureMap.

The median income in Houston grew more than 20 percent from 2010 to 2019. Photo by DenisTangneyJr/Getty Images

Here's how much Houston's household income grew over past decade

Money matters

Houston's household income jumped in the 2010s, but not as significantly as many other major U.S. metros, a new report shows.

Data compiled by apartment website RentCafé and published December 16 shows median household income inside the city of Houston (not the metro area) jumped 23.9 percent during the decade.

Houston ranks No. 40 for the rise in household income among the country's 50 largest cities. Houston's median household income grew from $42,355 in 2010 to $52,483 in 2019, according to RentCafé. For 2010 income, the website pulled data from the U.S. Census Bureau; it estimated 2019 household income based on a predicted 2.5 percent increase in the U.S. Consumer Price Index.

By comparison, the U.S. median household income stood at $63,179 in 2018, according to the Census Bureau, and Texas median household income checked in at $60,629.

"We're better off by almost all measures than we were 10 years ago," Carl Tannenbaum, chief economist for Northern Trust, told the Wall Street Journal in September. "But there are still some … flags that show that economic security remains more elusive for some families."

Only one Texas city ranked among the country's top 10. Austin, No. 8, saw a 54.6 percent hike during the decade, from $47,434 in 2010 to $73,332 in 2019.

As ranked by RentCafé, the top 10 cities for growth in median household income from 2010 to 2019 are:

  1. Atlanta, 60.9 percent
  2. San Francisco, 60.5 percent
  3. Oakland, California, 59.3 percent
  4. Seattle, 59.1 percent
  5. Portland, Oregon, 58.8 percent
  6. Miami, 57.1 percent
  7. Denver, 55.5 percent
  8. Austin, 54.6 percent
  9. San Jose, California, 50.9 percent
  10. Brooklyn, New York, 48.9 percent

Well down the ladder is Dallas, at No. 27. From 2010 to 2019, the city's median household income surged 31.6 percent — from $40,650 to $53,515.

At No. 38 is Fort Worth, where median household income increased 24.2 percent during the 10-year span — from $48,224 to $59,909.

San Antonio hovers close to the bottom of the 50-city list. Alamo City ranked 46th, with a 14.8 percent gain over the 10-year period. Median household income went from $43,758 to $50,250.

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This article originally ran on CultureMap.

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Texas ranks as No. 1 most financially distressed state, says new report

Money Woes

Experiencing financial strife is a nightmare of many Americans, but it appears to be a looming reality for Texans, according to a just-released WalletHub study. It names Texas the No. 1 most "financially distressed" state in America.

To determine the states with the most financially distressed residents, WalletHub compared all 50 states across nine metrics in six major categories, such as average credit scores, the share of people with "accounts in distress" (meaning an account that's in forbearance or has deferred payments), the one-year change in bankruptcy filings from March 2024, and search interest indexes for "debt" and "loans."

Joining Texas among the top five most distressed states are Florida (No. 2), Louisiana (No. 3), Nevada (No. 4), and South Carolina (No. 5).

Texas' new ranking as the most financially distressed state in 2025 may be unexpected, WalletHub says, considering the state has a "bigger GDP than most countries" and still has one of the top 10 best economies in the nation (even though that ranking is also lower than it was in previous years).

Even so, Texas residents are stretching themselves very thin financially this year. Texans had the ninth lowest average credit scores nationwide during the first quarter of 2025, the study found, and Texans had the sixth-highest increase in non-business-related bankruptcy filings over the last year, toppling 22 percent.

"Texas also had the third-highest number of accounts in forbearance or with deferred payments per person, and the seventh-highest share of people with these distressed accounts, at 7.1 percent," the report said.

This is where Texas ranked across the study's six key dimensions, where No. 1 means "most distressed:"

  • No. 5 – "Loans" search interest index rank
  • No. 6 – Change in bankruptcy filings from March 2024 to March 2025 rank
  • No. 7 – Average number of accounts in distress rank
  • No. 8 – People with accounts in distress rank
  • No. 13 – Credit score rank and “debt” search interest index rank
Examining these financial factors on the state level is important for understanding how Americans are faring with economic issues like inflation, unemployment rates, or natural disasters, according to WalletHub analyst Chip Lupo.


"When you combine data about people delaying payments with other metrics like bankruptcy filings and credit score changes, it paints a good picture of the overall economic trends of a state," Lupo said.

On the other side of the spectrum, states like Hawaii (No. 50), Vermont (No. 49), and Alaska (No. 48) are the least financially distressed states in America.

The top 10 states with the most people in financial distress in 2025 are:

  • No. 1 – Texas
  • No. 2 – Florida
  • No. 3 – Louisiana
  • No. 4 – Nevada
  • No. 5 – South Carolina
  • No. 6 – Oklahoma
  • No. 7 – North Carolina
  • No. 8 – Mississippi
  • No. 9 – Kentucky
  • No. 10 – Alabama
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A version of this article originally appeared on CultureMap.com.

Digital Health Institute's new exec director aims to lead innovation and commercialization efforts

new hire

Though our existences have become deeply entangled with technology, our health has been slower to catch up. The creation late last year of the Digital Health Institute was a major step into the future for both Rice University and Houston Methodist, for whom the institute is a joint venture.

The latest news for the Digital Health Institute is the appointment of Pothik Chatterjee to the role of executive director.

“The Digital Health Institute’s collaborative model is uniquely powerful,” Chatterjee told Rice University’s office of media relations. “By bringing together clinicians, engineers and entrepreneurs, we’re building an ecosystem designed to transform how care is delivered and experienced.”

Chatterjee’s role is to help grow the collaboration between the institutions, but the Digital Health Institute already boasts more than 20 active projects, each of which pairs Rice faculty and Methodist clinicians.

“Research is great, but what we really want at the Digital Health Institute is to translate those research findings into products and services that can be used at the patient's bedside,” Chatterjee explained to InnovationMap.

Once the research is in place, it’s up to Chatterjee to find commercial opportunities within the research portfolio. Those include everything from hospital-grade medical imaging wearables to the creation of digital twins for patients to help better treat them.

“As we move from vision to execution, Pothik’s expertise will be essential in helping us strengthen the institutional alignment needed to deliver at scale,” Dr. Khurram Nasir, Methodist’s William A. Zoghbi Centennial Chair in Cardiovascular Medicine and division chief of cardiovascular prevention and wellness, told Rice. “From my vantage point of a health system, the real value lies not just in innovation, but in implementation.”

Nasir’s co-founder is Ashutosh Sabharwal, Rice’s Ernest Dell Butcher Professor of Engineering and professor of electrical and computer engineering.

“The Digital Health Institute is a key step toward advancing health and health care for the benefit of humanity,” Sabharwal said. “We’re thrilled to welcome Pothik to our growing team. His background in health care innovation, research administration and venture investing will be instrumental in translating cutting-edge research into impactful digital health solutions. From leading innovation strategy and forging strong partnerships to driving fundraising and grant development, his leadership will help shape the institute’s long-term success.”

Though Chatterjee has previously worked around the country, including in Boston and Baltimore, he says he believes Houston is uniquely positioned to thrive in the digital health space.

“Houston is the best place to do it, because we have Rice and Houston Methodist,” he told InnovationMap. “[People] want to help keep that innovation in Houston, not just send it off to Silicon Valley or New York or Boston. There seems to be a lot of appetite from the philanthropic community to have homegrown Houston digital health innovation.”

Reliant’s smart new bundle puts energy savings + insights into one app

Two companies known for innovation in energy and home automation, Reliant and Vivint, have teamed up to launch the Smarter Home Bundle: a powerful new offering that simplifies home energy management and enhances everyday living for Texans.

With smart technology, seamless app integration, and added energy savings, this bundle marks a major leap forward in how homeowners manage their comfort, security, and electricity usage.

What’s included in the Smarter Home Bundle?
Qualifying current and new Reliant electricity customers can take advantage of this premium bundle, which includes:

  • A free Vivint Doorbell Camera Pro with Smart Deter™ technology that detects deliveries and deters theft
  • A free Vivint Smart Thermostat, designed to integrate with HVAC systems for efficient temperature control
  • White-glove professional installation from Vivint Smart Home Pros
  • Access to an exclusive Vivint app experience, combining smart device controls and personalized energy insights powered by Reliant

All this is included at no additional cost with enrollment in the Smarter Home Bundle.

 Reliant Smarter Home Bundle Let the pros handle installation.Photo courtesy of Reliant

A unified, smarter home

Reliant and Vivint, both NRG companies, are offering the Smarter Home Bundle as an all-in-one solution for customers looking to streamline home management. By combining smart home security features with advanced energy tools, users gain greater control, comfort, and peace of mind. With one app, customers can monitor their home, manage devices, and track energy use — anytime, anywhere.

According to recent NRG Consumer research, nearly 70% of people want a single platform to manage their smart homes. The Vivint app, which averages 16 daily interactions, delivers exactly that.

Designed for savings and simplicity
Energy efficiency isn’t just a buzzword — it’s a key feature of the Smarter Home Bundle. As more households adopt smart devices (45% in 2024, up from 10% a decade ago), this bundle gives users tools that help cut energy use and potentially lower bills. In fact, 72% of surveyed users cite savings as the top benefit of smart home technology after safety.

The Vivint Smart Thermostat plays a major role here. It not only learns users' habits but also integrates with Reliant’s Degrees of Difference program, adjusting temperatures slightly during peak electricity demand. These small changes can have a big impact on grid stability — especially in hot Texas summers — without sacrificing comfort. Customers remain in control at all times and can override temperature changes in the app or manually if needed.

 Reliant Smarter Home Bundle Manage everything with one app.Graphic courtesy of Reliant

Powering the future with virtual power plants
The Smarter Home Bundle also contributes to Reliant’s growing residential virtual power plant (VPP) network. VPPs are a forward-thinking approach to grid management that leverage small-scale energy resources — like smart thermostats, home batteries, and electric vehicles — to balance electricity demand across thousands of homes.

With Texas experiencing record-high energy loads (85 gigwatts in 2023), this kind of coordination is critical to ensuring a stable and reliable power grid, especially during extreme weather events.

“By bringing together innovative leaders like Reliant and Vivint, we are providing smarter, more efficient energy solutions for Texans,” says Mark Parsons, senior vice president, NRG Consumer. “The Reliant Smarter Home Bundle combines our electricity plans with advanced technology, empowering Texans to take control of their energy usage and simplify home management. We are excited to roll out additional features in the coming months at no cost, all designed to help our customers manage their home’s comfort, security, and energy usage, all in one place.”

Learn more and enroll here.