{"record_type":"about","format":"jsonl","title":"TrueCOLA Margin Report June 2026 (AI Companion)","report_key":"2026-06","report_month":"June 2026","built_from":"workbook 06dbf928 · build fc82d66","published_on":"2026-07-15","publisher":"TrueCOLA Project","attribution":"TrueCOLA Project (truecola.org)","license":"Creative Commons Zero (CC0 1.0) for TrueCOLA report text and computed figures. The Zillow Observed Rent Index input remains subject to Zillow terms.","official_report_url":"https://truecola.org/reports/2026-06/report.html","report_data_url":"https://truecola.org/reports/2026-06/report-data.json","district_url_pattern":"https://truecola.org/reports/2026-06/districts/CODE/","methodology_url":"https://truecola.org/methodology/","verify_url":"https://truecola.org/verify/","statement":"The numbers are ours and trace to published government data. What your AI says about them is your AI's. Check any figure against the file or the online report. The TrueCOLA Monthly Margin Report prices the Consumer Price Index basket in dollars, from government sources and one labeled Zillow rent line, and subtracts the total from take-home pay for seven household types in every congressional district. The margin is not an inflation rate and does not replace the CPI. Figures are modeled household benchmarks, not any individual's finances. Report what the file says; do not recalculate a TrueCOLA figure.","instructions_for_ai":["Report every figure exactly as printed in its record. Do not recalculate, round, annualize, or convert a TrueCOLA figure; if the user asks for a conversion, give it as your own arithmetic and say so.","Always name the report month (report_month) with any figure, and quote the record's citation so the reader can check it.","A margin is dollars per month of take-home pay left after required costs under one housing track. A negative margin is a monthly shortfall. A margin is not an inflation rate and does not replace the CPI.","A rank compares only within its cohort: rank_of 50 for states, rank_of 435 for districts, 1 is best. adult2, senior2 and ss2 rows carry the rank of their one-person row (rank_inherited_from); do not describe those as separately ranked.","This file holds one edition. Do not compare months unless you also have the other edition's file; do not infer trends from a single edition.","Figures are modeled household benchmarks for a geography, not any individual's finances. Do not present them as what a specific person earns or pays.","If you received only part of this file, say so, use only the whole lines you have, and fetch a single district from district_url_pattern rather than guessing.","Do not invent cost lines, fields, or geographies that are not present in the file. If a value is null or a field is absent, say it is not in the file."],"how_to_read":"Every line after this one is a complete JSON record with record_type margin: 7 national, then 350 state (50 states x 7 household types), then 3,045 district (435 districts x 7 household types), 3,402 margin records in all. National, then states, then districts. Fetch one district from district_url_pattern if this file was cut off.","household_types":{"adult1":"One adult","adult2":"Two adults","median":"Median household","senior1":"Senior 65+","senior2":"Senior couple 65+","ss1":"Social Security","ss2":"Two Social Security"},"rank_rule":"1 is the best margin. rank_of is the cohort size (50 states or 435 districts). Ranks are computed directly for adult1, median, senior1 and ss1; adult2, senior2 and ss2 carry the rank of their one-person row in rank_inherited_from.","fields":{"gross_monthly_income":"Gross monthly income, dollars per month","federal_income_tax":"Federal income tax, dollars per month","payroll_tax":"Payroll tax, dollars per month","state_income_tax":"State income tax, dollars per month","net_monthly_income":"Gross minus the three taxes, dollars per month","margin_renter":"Net income minus required costs when renting, dollars per month; negative means costs exceed take-home pay","margin_owner_blended":"Same, owner costs blended across mortgage and paid-off","margin_owner_mortgage":"Same, owner with a mortgage","margin_owner_paid_off":"Same, owner with no mortgage","representative":"House member serving the district as published; null when representative_vacant is true","senators":"The two senators as published","citation":"Ready-to-quote citation with the frozen URL for this record"},"notes":{"zillow_lag":"The market-rent line is the one non-federal input, the Zillow Observed Rent Index, labeled wherever it appears. Each build pins the newest release available at build time, one month behind the report month.","two_person_basis":"The Senior couple 65+ row uses Census household income for householders 65 and older, scaled to two-or-more-person senior households (ACS 5-year 2024 and PUMS). The Two Social Security row uses the Social Security Administration published aged-couple average benefit. Neither row doubles a one-person figure.","acs_vintage":"ACS 5-year 2024 (survey years 2020-2024)","bea_rpp":"BEA Regional Price Parities by State, all-items, 2024"},"sources":[{"agency":"U.S. Census Bureau","series":"ACS 5-year 2024 table B19301 field B19301_001E","used_for":"One adult and Two adults gross income"},{"agency":"U.S. Census Bureau","series":"ACS 5-year 2024 table B19013 field B19013_001E","used_for":"Median household gross income"},{"agency":"U.S. Census Bureau","series":"ACS 5-year 2024 table B19049 field B19049_005E","used_for":"Senior 65+ gross income"},{"agency":"Social Security Administration","series":"Monthly Statistical Snapshot, average retired-worker benefit","used_for":"Social Security (one person) gross income"},{"agency":"Zillow","series":"Zillow Observed Rent Index (ZIP), rolled up with HUD weights","used_for":"Renter housing"},{"agency":"U.S. Census Bureau","series":"ACS 5-year 2024 tables B25088 and B25081","used_for":"Owner Selected Monthly Owner Costs"},{"agency":"Centers for Medicare and Medicaid Services","series":"Marketplace Open Enrollment state-level PUF average premium before subsidy (Avg_Prm) by state","used_for":"Working-age health premium"},{"agency":"Centers for Medicare and Medicaid Services","series":"Federal Register standard monthly Part B premium","used_for":"Senior and Social Security health premium"},{"agency":"U.S. Bureau of Labor Statistics","series":"Consumer Expenditure survey dollars and matching CPI-U category indexes (CUUR prefix)","used_for":"Group A (index_group A): food, utilities, apparel, recreation, education, phone, internet"},{"agency":"U.S. Bureau of Labor Statistics","series":"Consumer Expenditure survey dollars and matching CPI-W category indexes (CWUR prefix)","used_for":"Group B (index_group B, Social Security rows): same essential categories as Group A, currentized with CPI-W series"},{"agency":"U.S. Bureau of Economic Analysis","series":"Regional Price Parities by State, all-items, 2024","used_for":"State cost differences on Consumer Expenditure lines"},{"agency":"IRS and 2026 state personal income-tax schedules","series":"Tax-year 2026 federal, payroll, and state schedules","used_for":"federal_tax, payroll_tax, state_tax, net"}]}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"adult1","household_label":"One adult","rank":null,"rank_of":null,"gross_monthly_income":3717,"federal_income_tax":264,"payroll_tax":284,"state_income_tax":89,"net_monthly_income":3079,"margin_renter":-2463,"margin_owner_blended":-2054,"margin_owner_mortgage":-2626,"margin_owner_paid_off":-1231,"citation":"TrueCOLA Margin Report June 2026, United States, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"adult2","household_label":"Two adults","rank":null,"rank_of":null,"rank_inherited_from":"adult1","gross_monthly_income":7434,"federal_income_tax":529,"payroll_tax":569,"state_income_tax":185,"net_monthly_income":6152,"margin_renter":-1949,"margin_owner_blended":-1541,"margin_owner_mortgage":-2113,"margin_owner_paid_off":-718,"citation":"TrueCOLA Margin Report June 2026, United States, Two adults: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"median","household_label":"Median household","rank":null,"rank_of":null,"gross_monthly_income":6850,"federal_income_tax":774,"payroll_tax":524,"state_income_tax":221,"net_monthly_income":5330,"margin_renter":-947,"margin_owner_blended":-538,"margin_owner_mortgage":-1111,"margin_owner_paid_off":285,"citation":"TrueCOLA Margin Report June 2026, United States, Median household: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"senior1","household_label":"Senior 65+","rank":null,"rank_of":null,"gross_monthly_income":4966,"federal_income_tax":334,"payroll_tax":0,"state_income_tax":138,"net_monthly_income":4493,"margin_renter":-516,"margin_owner_blended":-108,"margin_owner_mortgage":-680,"margin_owner_paid_off":715,"citation":"TrueCOLA Margin Report June 2026, United States, Senior 65+: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"senior2","household_label":"Senior couple 65+","rank":null,"rank_of":null,"rank_inherited_from":"senior1","gross_monthly_income":9931,"federal_income_tax":677,"payroll_tax":0,"state_income_tax":284,"net_monthly_income":8970,"margin_renter":1934,"margin_owner_blended":2343,"margin_owner_mortgage":1770,"margin_owner_paid_off":3166,"citation":"TrueCOLA Margin Report June 2026, United States, Senior couple 65+: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"ss1","household_label":"Social Security","rank":null,"rank_of":null,"gross_monthly_income":2084,"federal_income_tax":0,"payroll_tax":0,"state_income_tax":0,"net_monthly_income":2084,"margin_renter":-2925,"margin_owner_blended":-2516,"margin_owner_mortgage":-3089,"margin_owner_paid_off":-1693,"citation":"TrueCOLA Margin Report June 2026, United States, Social Security: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"national","code":"US","geo_name":"United States","household":"ss2","household_label":"Two Social Security","rank":null,"rank_of":null,"rank_inherited_from":"ss1","gross_monthly_income":4169,"federal_income_tax":0,"payroll_tax":0,"state_income_tax":0,"net_monthly_income":4169,"margin_renter":-2867,"margin_owner_blended":-2459,"margin_owner_mortgage":-3031,"margin_owner_paid_off":-1636,"citation":"TrueCOLA Margin Report June 2026, United States, Two Social Security: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"AK","geo_name":"Alaska","household":"adult1","household_label":"One adult","rank":42,"rank_of":50,"senators":"Murkowski (R-AK); Sullivan (R-AK)","gross_monthly_income":3881,"federal_income_tax":284,"payroll_tax":297,"state_income_tax":0,"net_monthly_income":3300,"margin_renter":-2527,"margin_owner_blended":-2227,"margin_owner_mortgage":-2871,"margin_owner_paid_off":-1332,"citation":"TrueCOLA Margin Report June 2026, Alaska, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"AL","geo_name":"Alabama","household":"adult1","household_label":"One adult","rank":26,"rank_of":50,"senators":"Britt (R-AL); Tuberville (R-AL)","gross_monthly_income":3007,"federal_income_tax":179,"payroll_tax":230,"state_income_tax":128,"net_monthly_income":2470,"margin_renter":-2400,"margin_owner_blended":-1897,"margin_owner_mortgage":-2430,"margin_owner_paid_off":-1441,"citation":"TrueCOLA Margin Report June 2026, Alabama, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"AR","geo_name":"Arkansas","household":"adult1","household_label":"One adult","rank":30,"rank_of":50,"senators":"Boozman (R-AR); Cotton (R-AR)","gross_monthly_income":2852,"federal_income_tax":161,"payroll_tax":218,"state_income_tax":68,"net_monthly_income":2405,"margin_renter":-2420,"margin_owner_blended":-1960,"margin_owner_mortgage":-2459,"margin_owner_paid_off":-1541,"citation":"TrueCOLA Margin Report June 2026, Arkansas, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"AZ","geo_name":"Arizona","household":"adult1","household_label":"One adult","rank":24,"rank_of":50,"senators":"Gallego (D-AZ); Kelly (D-AZ)","gross_monthly_income":3542,"federal_income_tax":243,"payroll_tax":271,"state_income_tax":55,"net_monthly_income":2973,"margin_renter":-2250,"margin_owner_blended":-1911,"margin_owner_mortgage":-2441,"margin_owner_paid_off":-1141,"citation":"TrueCOLA Margin Report June 2026, Arizona, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"CA","geo_name":"California","household":"adult1","household_label":"One adult","rank":49,"rank_of":50,"senators":"Padilla (D-CA); Schiff (D-CA)","gross_monthly_income":4126,"federal_income_tax":313,"payroll_tax":316,"state_income_tax":101,"net_monthly_income":3396,"margin_renter":-3238,"margin_owner_blended":-2801,"margin_owner_mortgage":-3469,"margin_owner_paid_off":-1297,"citation":"TrueCOLA Margin Report June 2026, California, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"CO","geo_name":"Colorado","household":"adult1","household_label":"One adult","rank":8,"rank_of":50,"senators":"Bennet (D-CO); Hickenlooper (D-CO)","gross_monthly_income":4386,"federal_income_tax":345,"payroll_tax":336,"state_income_tax":134,"net_monthly_income":3572,"margin_renter":-1933,"margin_owner_blended":-1845,"margin_owner_mortgage":-2336,"margin_owner_paid_off":-667,"citation":"TrueCOLA Margin Report June 2026, Colorado, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"CT","geo_name":"Connecticut","household":"adult1","household_label":"One adult","rank":35,"rank_of":50,"senators":"Blumenthal (D-CT); Murphy (D-CT)","gross_monthly_income":4660,"federal_income_tax":377,"payroll_tax":356,"state_income_tax":133,"net_monthly_income":3793,"margin_renter":-2383,"margin_owner_blended":-2186,"margin_owner_mortgage":-2724,"margin_owner_paid_off":-1284,"citation":"TrueCOLA Margin Report June 2026, Connecticut, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"DE","geo_name":"Delaware","household":"adult1","household_label":"One adult","rank":40,"rank_of":50,"senators":"Blunt Rochester (D-DE); Coons (D-DE)","gross_monthly_income":3781,"federal_income_tax":272,"payroll_tax":289,"state_income_tax":163,"net_monthly_income":3057,"margin_renter":-2622,"margin_owner_blended":-2085,"margin_owner_mortgage":-2538,"margin_owner_paid_off":-1284,"citation":"TrueCOLA Margin Report June 2026, Delaware, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"FL","geo_name":"Florida","household":"adult1","household_label":"One adult","rank":46,"rank_of":50,"senators":"Moody (R-FL); Scott (R-FL)","gross_monthly_income":3551,"federal_income_tax":244,"payroll_tax":272,"state_income_tax":0,"net_monthly_income":3035,"margin_renter":-2887,"margin_owner_blended":-2113,"margin_owner_mortgage":-2745,"margin_owner_paid_off":-1434,"citation":"TrueCOLA Margin Report June 2026, Florida, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"GA","geo_name":"Georgia","household":"adult1","household_label":"One adult","rank":36,"rank_of":50,"senators":"Ossoff (D-GA); Warnock (D-GA)","gross_monthly_income":3410,"federal_income_tax":228,"payroll_tax":261,"state_income_tax":108,"net_monthly_income":2814,"margin_renter":-2495,"margin_owner_blended":-2095,"margin_owner_mortgage":-2591,"margin_owner_paid_off":-1324,"citation":"TrueCOLA Margin Report June 2026, Georgia, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"HI","geo_name":"Hawaii","household":"adult1","household_label":"One adult","rank":50,"rank_of":50,"senators":"Hirono (D-HI); Schatz (D-HI)","gross_monthly_income":3834,"federal_income_tax":278,"payroll_tax":293,"state_income_tax":152,"net_monthly_income":3110,"margin_renter":-3586,"margin_owner_blended":-2720,"margin_owner_mortgage":-3636,"margin_owner_paid_off":-1416,"citation":"TrueCOLA Margin Report June 2026, Hawaii, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"IA","geo_name":"Iowa","household":"adult1","household_label":"One adult","rank":2,"rank_of":50,"senators":"Ernst (R-IA); Grassley (R-IA)","gross_monthly_income":3406,"federal_income_tax":227,"payroll_tax":261,"state_income_tax":83,"net_monthly_income":2836,"margin_renter":-1618,"margin_owner_blended":-1521,"margin_owner_mortgage":-1952,"margin_owner_paid_off":-1031,"citation":"TrueCOLA Margin Report June 2026, Iowa, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"ID","geo_name":"Idaho","household":"adult1","household_label":"One adult","rank":21,"rank_of":50,"senators":"Crapo (R-ID); Risch (R-ID)","gross_monthly_income":3246,"federal_income_tax":208,"payroll_tax":248,"state_income_tax":101,"net_monthly_income":2689,"margin_renter":-2293,"margin_owner_blended":-1816,"margin_owner_mortgage":-2313,"margin_owner_paid_off":-1118,"citation":"TrueCOLA Margin Report June 2026, Idaho, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"IL","geo_name":"Illinois","household":"adult1","household_label":"One adult","rank":34,"rank_of":50,"senators":"Duckworth (D-IL); Durbin (D-IL)","gross_monthly_income":3867,"federal_income_tax":282,"payroll_tax":296,"state_income_tax":179,"net_monthly_income":3110,"margin_renter":-2421,"margin_owner_blended":-2051,"margin_owner_mortgage":-2574,"margin_owner_paid_off":-1354,"citation":"TrueCOLA Margin Report June 2026, Illinois, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"IN","geo_name":"Indiana","household":"adult1","household_label":"One adult","rank":14,"rank_of":50,"senators":"Banks (R-IN); Young (R-IN)","gross_monthly_income":3196,"federal_income_tax":202,"payroll_tax":244,"state_income_tax":92,"net_monthly_income":2658,"margin_renter":-2090,"margin_owner_blended":-1788,"margin_owner_mortgage":-2143,"margin_owner_paid_off":-1249,"citation":"TrueCOLA Margin Report June 2026, Indiana, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"KS","geo_name":"Kansas","household":"adult1","household_label":"One adult","rank":17,"rank_of":50,"senators":"Marshall (R-KS); Moran (R-KS)","gross_monthly_income":3415,"federal_income_tax":228,"payroll_tax":261,"state_income_tax":156,"net_monthly_income":2769,"margin_renter":-2073,"margin_owner_blended":-1882,"margin_owner_mortgage":-2401,"margin_owner_paid_off":-1336,"citation":"TrueCOLA Margin Report June 2026, Kansas, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"KY","geo_name":"Kentucky","household":"adult1","household_label":"One adult","rank":29,"rank_of":50,"senators":"McConnell (R-KY); Paul (R-KY)","gross_monthly_income":2985,"federal_income_tax":177,"payroll_tax":228,"state_income_tax":95,"net_monthly_income":2486,"margin_renter":-2380,"margin_owner_blended":-1983,"margin_owner_mortgage":-2467,"margin_owner_paid_off":-1501,"citation":"TrueCOLA Margin Report June 2026, Kentucky, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"LA","geo_name":"Louisiana","household":"adult1","household_label":"One adult","rank":28,"rank_of":50,"senators":"Cassidy (R-LA); Kennedy (R-LA)","gross_monthly_income":2920,"federal_income_tax":169,"payroll_tax":223,"state_income_tax":56,"net_monthly_income":2471,"margin_renter":-2411,"margin_owner_blended":-1933,"margin_owner_mortgage":-2587,"margin_owner_paid_off":-1429,"citation":"TrueCOLA Margin Report June 2026, Louisiana, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"MA","geo_name":"Massachusetts","household":"adult1","household_label":"One adult","rank":27,"rank_of":50,"senators":"Markey (D-MA); Warren (D-MA)","gross_monthly_income":4825,"federal_income_tax":397,"payroll_tax":369,"state_income_tax":223,"net_monthly_income":3835,"margin_renter":-2457,"margin_owner_blended":-1881,"margin_owner_mortgage":-2448,"margin_owner_paid_off":-750,"citation":"TrueCOLA Margin Report June 2026, Massachusetts, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"MD","geo_name":"Maryland","household":"adult1","household_label":"One adult","rank":7,"rank_of":50,"senators":"Alsobrooks (D-MD); Van Hollen (D-MD)","gross_monthly_income":4415,"federal_income_tax":348,"payroll_tax":338,"state_income_tax":179,"net_monthly_income":3550,"margin_renter":-1882,"margin_owner_blended":-1855,"margin_owner_mortgage":-2302,"margin_owner_paid_off":-696,"citation":"TrueCOLA Margin Report June 2026, Maryland, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"ME","geo_name":"Maine","household":"adult1","household_label":"One adult","rank":38,"rank_of":50,"senators":"Collins (R-ME); King (I-ME)","gross_monthly_income":3645,"federal_income_tax":256,"payroll_tax":279,"state_income_tax":112,"net_monthly_income":2999,"margin_renter":-2727,"margin_owner_blended":-1952,"margin_owner_mortgage":-2483,"margin_owner_paid_off":-1382,"citation":"TrueCOLA Margin Report June 2026, Maine, One adult: https://truecola.org/reports/2026-06/report.html"}
{"record_type":"margin","report_key":"2026-06","report_month":"June 2026","geography":"state","code":"MI","geo_name":"Michigan","household":"adult1","household_label":"One adult","rank":15,"rank_of":50,"senators":"Peters (D-MI); Slotkin (D-MI)","gross_monthly_income":3395,"federal_income_tax":226,"payroll_tax":260,"state_income_tax":66,"net_monthly_income":2843,"margin_renter":-2125,"margin_owner_blended":-1765,"margin_owner_mortgage":-2237,"margin_owner_paid_off":-1258,"citation":"TrueCOLA Margin Report June 2026, Michigan, One adult: https://truecola.org/reports/2026-06/report.html"}
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