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AIBU?

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Original poster

Is this a (financially) middle class household these days or not?

291 replies

Yealp · 12/01/2026 21:18

I don’t think so, my best friend thinks it’s completely middle class.

Income after tax per month 5,200
Household one adult and one dc
Mortgage payment 1k a month, equity 350k (4 bed detached)

OP posts:
LemonsMakelimes · 12/01/2026 21:25

Why is £1k a huge mortgage payment for one adult? Mine and DHs mortgage is £2100 together so over £1k each and neither of us make as much as you do (we both take home around £3.5k)

Original poster
Yealp · 12/01/2026 21:25

Purpleturtle45 · 12/01/2026 21:19

What do you think if is?

@Purpleturtle45 i guess mortgage paid off? Bit more disposable income as I guess after bills the actual disposable is more like 3k

OP posts:
moofolk · 12/01/2026 21:24

That’s an incredibly good financial situation to be in.

UnhappyHobbit · 12/01/2026 21:24

idontcareabouttennis · 12/01/2026 21:20

Class is very little to do with income (Wayne Rooney is never going to be anything other than working class, for example, even though he is loaded) - but I’d say that’s a fairly ‘middle’ income

Edited

Absolutely this. I will always be working class in my eyes and so will a lot of people from blue collar families who claim to be “middle class”.

Nevermind17 · 12/01/2026 21:24

Yealp · 12/01/2026 21:23

@Octavia64 i think that’s a huge mortgage payment for one adult personally!!

Show quote history

My son pays £1k a month on his mortgage and he’s on his own, on £30k a year!

Original poster
Yealp · 12/01/2026 21:24

peacefulpeach · 12/01/2026 21:21

Why does the mortgage give it away?

@peacefulpeach yes I don’t get this, I thought it was a huge mortgage payment

OP posts:
LemonsMakelimes · 12/01/2026 21:24

Yes. Not about household income per se - single earner taking home £5200 a month is a high wage earner. £350k is a lot of equity. A 4 bed detached house is a big house.

You’re not going to feel super rich because you’re a single parent but yes it’s definitely middle class in terms of income and assets. Whether you feel you identify as middle class is another matter - as a pp said, class is about more than just income.

Original poster
Yealp · 12/01/2026 21:23

Octavia64 · 12/01/2026 21:19

Yes.

the clue is in the mortgage

@Octavia64 i think that’s a huge mortgage payment for one adult personally!!

OP posts:
Nevermind17 · 12/01/2026 21:22

It depends how she earns her money. An almost £100,000 salary in a professional job = middle class. On Only Fans, not so much.

SquigglePigs · 12/01/2026 21:21

Single parent comfortably paying a mortgage on a 4-bed house with more than £4k a month left after? Can't think what else it would be other than middle class!!

BobblyBobbleHat · 12/01/2026 21:21

Yes mortgage and income.

peacefulpeach · 12/01/2026 21:21

Why does the mortgage give it away?

idontcareabouttennis · 12/01/2026 21:20

Class is very little to do with income (Wayne Rooney is never going to be anything other than working class, for example, even though he is loaded) - but I’d say that’s a fairly ‘middle’ income

SapphOhNo · 12/01/2026 21:19

Yes. The mortgage gives it away.

Purpleturtle45 · 12/01/2026 21:19

What do you think if is?

Octavia64 · 12/01/2026 21:19

Yes.

the clue is in the mortgage