The economy may be booming and unemployment is reaching record lows, but America remains¹ an unaffordable place to live in many parts of the country due to stagnant³ wages and rising housing costs.

美国经济或许正在蓬勃发展，失业率也创下新低，但是由于工资常年没有增加、住房成本不断上涨，大部分地区的居民都面临着过重的生活负担。

In fact, the actual cost of living surpasses the median income earned in 42 U.S. states, according to a new analysis by GOBankingRates.

事实上，根据个人理财网站GOBankingRates的一项新分析，全美有42个州的生活成本远远高于平均收入水平。

"What's scary is the macro trend," said Andrew DePietro, a research and data analyst⁴ for GoBankingRates.

GOBankingRates研究和数据分析师安德鲁·德皮罗就此指出：“这一宏观趋势令人担忧。”

"It's matching up with real life news, which is that the cost of living is getting to the point nationally where it's just bad in the majority of places," he told DailyMail.com. "It's mainly due to wages stagnating⁵ and housing costs going up across the country."

他向《每日邮报》透露：“这与现实生活中的新闻是一致的，那就是生活成本在全国范围内已经达到了一个临界点，大多数城市的生活都很糟糕。这主要是因为工资停滞不前，各地的房价都在上涨。”

The personal finance site calculated the cost of living in all 50 states and compared it with the median income, revealing that Hawaii is the most unaffordable place to live in America.

这家个人理财网站对全美50个州的生活成本进行了计算，并将这些数据与各州的平均收入进行了比较，结果显示夏威夷的情况最糟糕。

Experts reached that conclusion based on the 50-30-20 budgeting rule, which dictates⁶ half of your income should go toward bills, rent and necessities like groceries, while 30 percent should be spent on discretionary spending or splurges and the remaining 20 percent would go toward savings⁷.

专家依据50-30-20预算法进行了计算，根据该规则，收入的50%应用于支付账单、租金和一些生活必需品，30%可用于自由支配，剩下20%则用来储蓄。

入不敷出! 美国42州平均收入低于生活成本!

Based on that premise⁸, the cost of living for a household of one to two people in Hawaii is $111,892, while the average income is $71,977 -- a pay gap of nearly $40,000. Experts said that makes the Aloha state unaffordable even for people who choose to avoid saving any income at all.

基于这个前提，夏威夷州一户只有一到两人的家庭，生活成本高达111892美元，而每户家庭的平均收入只有71977美元，两者之间的缺口高达近4万美元。专家指出，即便是这些夏威夷人不存钱，也很难负担起如此高的生活成本。

Oregon was the second most unaffordable state, with a $24,808 difference between the median income of $53,270 and the $84,685 cost of living.

俄勒冈州是情况第二糟糕的州，这里的家庭平均收入是53270美元，生活成本是84685美元，缺口达到24808美元。

California followed, with a $20,902 pay gap, based on the state's $63,783 median income and an $84,685 cost of living.

紧随其后的是加利福尼亚州，该州家庭平均收入是63783美元，生活成本是84685美元，相差20902美元。

New York ranked fourth with an $80,420 cost of living and a median income of $60,741 for an affordability⁹ gap of $19,679. Maine came in fifth place, with a median income of $50,826 and a $69,850 cost of living for a $19,024 affordability gap.

纽约州排名第四，家庭平均收入60741美元，生活成本是80420美元，相差19679美元。缅因州排名第五，家庭平均收入50826美元，生活成本是69850美元，相差19024美元。

At the other end of the spectrum¹⁰, eight states actually had median incomes higher than the cost of living, with Virginia ranking most affordable² in the nation.

而在另一个极端，有8个州的平均收入要高于生活成本，其中弗吉尼亚州排名第一。