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Education

Education is often regarded as a low-paying field. But as of 2022, 61% of those working in education were in the middle-income tier.

To become a teacher, you do need a bachelor's degree at a minimum. That's a requirement in all U.S. states to be a public school teacher for grades K-12, according to American University's School of Education. There can also be more career opportunities if you choose to pursue a master's degree.

If you're curious as to what teachers make, the national average starting salary is $44,530, according to the National Education Association. The average overall salary is $69,544. However, pay can vary substantially from one district to another, even within the same state.

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Protective and building maintenance services

As of 2022, 62% of professionals in the protective and building maintenance services field were in the middle-income tier. People in this profession are generally responsible for the upkeep of buildings both inside and out.

Indeed puts the average salary for this line of work at $18.26 per hour, which comes to $36,520 per year if we assume a 40-hour workweek and 50 working weeks per year. However, Indeed also notes that some people in this field earn up to $34.50 per hour.

Furthermore, this industry generally doesn’t require you to go to college. A high school diploma or equivalent coupled with training usually allows you to work in this field, thereby avoiding the expense of a bachelor’s degree.

Office and administrative support

As of 2022, 62% of office and administrative support professionals were in the middle-income tier. As of May 2023, the median annual salary for people in this field was $44,480, according to the Bureau of Labor Statistics. However, the pay for an admin role can hinge heavily on the industry, with financial firms and banks, for example, commonly paying more than nonprofits and schools.

A college degree may not be necessary to work as an administrative professional. However, some employers may set that requirement.

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Maintenance, repair and production

Maintenance, repair and production professionals often work in manufacturing or similar industries. The average annual wage for general maintenance and repair workers was just shy of $50,000 as of May 2023, per the Bureau of Labor Statistics. And as of 2022, 64% of people in this field were in the middle-income tier.

In many cases, a college degree isn’t needed for one of these jobs. On-the-job training is generally the most crucial stepping stone for this line of work.

Armed forces

Armed forces jobs can run the gamut from entry-level recruits to high-ranking officers. As of 2022, 65% of armed forces members were in the middle-income tier. And the average salary for employees of the U.S. army is $72,000 per year, according to Payscale.

To enlist in the U.S. armed forces, you need a high school diploma or equivalent. A college degree isn't necessary, but you may have a better chance of being able to join if you've earned some college credits at the time of your application.

Once enlisted, though, you may be eligible for a host of benefits, including money toward higher education and the option to buy a home with 0% down via the VA loan program.

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Maurie Backman Freelance Writer

Maurie Backman is a freelance contributor to Moneywise, who has more than a decade of experience writing about financial topics, including retirement, investing, Social Security, and real estate.

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