50% of renters and 21% of homeowners spend ≥ 30% of their income on housing, while 25% of renters and 9% of homeowners spend ≥ 50% of their income on housing.
The average US household spends 29% of their income on housing, 15% on transport, 11% on food, 11% on insurance and pensions, 7% on healthcare, and 2% of education
That adds up to around 76% of income spent on necessities.