Seems I didn't make myself clear the point is that looking at the median income tells you nothing about the actual distribution of disposable income because someone barely making it in a high income zone could trivially have what seems like a high income and have little disposable income. This is especially true with rent and cost of living both rising faster than most people's incomes. The bottom half has little disposable income everywhere except for your projections.
Before I get to some numbers nobody will read the fact is I doubt very much that most readers here have anything but a passing understanding of what its like to actually be at the bottom.
Lets zoom on down to irving and imagine we are dealing with a parent or 2 and 1 kid and need a 2 bedroom apartment. Going on a brief peruse of apartments.com I'm seeing a 2 br apartment starts at about 2600 USDA thrifty food plan would suggest about 780 per month for 3 people depending on age and sex.
If we can't actually deal with both people working while using just public transit we will have to probably burn 800 a month for car payment, insurance, upkeep and gas.
Electricity/water another 300-350
Phones another 60 minimum, internet 80
Now lets talk about health insurance we are probably going to pay about $500 and easily more like 750 for something that isn't a complete joke.
Now lets talk about savings because if we don't have any the first time the car needs to be repaired we're all going to lose our jobs and end up homeless plus at some point we will have to retire so allocate $500 for that.
We are at about 6000 a month while still only sketching out the outline of a life. I'm assuming our fictional family would also like to wear cloths, by toilet paper, wash their clothes, have some form of entertainment and enlightenment, maybe even engage in the normal family activity of having a pet animal of some sort bigger than a hamster.
We would probably be able to live a reasonable life for more like 7000 a month or 84,000. This means Joe median+ is probably OK but again ONE HALF OF PEOPLE ARE BELOW THE MEDIAN BY DEFINITION AND THEY ARE NOT EVENLY DISTRIBUTED IN TOTAL OR DISPOSABLE INCOME. Most of the poor folks are seeing their already insufficient wages and the cost of health insurance and rent going up and wondering if they can afford to pay rent and health care in 5 years while you insist they have plenty of money to spare. You don't live in the same universe. Going to move.org gives you an incredibly shitty approximation of what it actually costs to live your life. You know less by far than you think you do.