Roughly half of all Americans live in the middle class, according to a 2016 study by the Pew Research Center. But the term "middle income" varies drastically depending on where you live. A good median household income can be mitigated by factors like home prices, high living costs and taxes. In some booming areas of the country, incomes are rising faster — sometimes much faster — than costs. In others, however, slow — or even negative — income growth drags down the entire region.

GOBankingRates analyzed year-to-year income changes from 2010 through 2015 for America's 200 largest metro areas, based on data from the Census Bureau. We identified the 20 metro areas where incomes have increased the most, and the 20 areas where incomes have increased the least. Click through to discover where incomes are rising the fastest and slowest, and see if you live in a high-income area.