CULTUREMAP - A new study from has revealed that Americans living in 39 of the 50 most populous U.S. cities have incomes below (or far below) what’s needed to live comfortably.

Surprisingly, that stat doesn't really seem to apply to Texas, which has seven cities in the study. More surprisingly, Austin is one of the five Lone Star cities where the median salary is actually higher than the magic "comfortability number" calculated by the personal finance website.

The study uses the 50-30-20 budgeting rule, which divides income into three buckets: 50 percent on necessities, 30 percent on discretionary spending, and 20 percent toward savings.

Austin's "comfortability" figure is $54,631, which is up $1,406 from last year. Though our cost of living is on the higher end ($27,316 is needed just for necessities), our median household income is proportional: $57,689. That's a bigger salary than any other Texas city in the study, giving Austinites a cushion of $3,058 if they're following the 50-30-20 rule.

The biggest Texas cushion — and second-biggest on the whole list — can be found in Arlington, where residents are left with $6,906 after paying their $46,420 for necessities, savings, and discretionary spending. A median income of $53,326, which is slightly higher than what the average person makes in Texas, is largely to thank for all that extra dough.

Read the full story on CultureMap Austin.