YouTube CPM Rates in the USA (2026 Updated Data)
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The average YouTube CPM in the USA ranges from $4 to $12 in 2026. Premium niches like finance and insurance can reach $25 to $35, while entertainment and gaming niches average $2 to $6.
Use our free YouTube Money Calculator to calculate your exact earnings based on views, country, and niche.
Earnings Breakdown
| Niche | CPM Range (USA) | RPM Range |
|---|---|---|
| Finance | $15 – $35 | $6 – $15 |
| Insurance | $20 – $40 | $8 – $18 |
| Business | $12 – $28 | $5 – $12 |
| Technology | $8 – $18 | $3 – $8 |
| Education | $6 – $14 | $2.50 – $6 |
| Health | $5 – $12 | $2 – $5 |
| Gaming | $2 – $6 | $0.80 – $2.50 |
| Entertainment | $2 – $5 | $0.80 – $2 |
What Determines Your CPM?
CPM (Cost Per Mille) is the amount advertisers pay per 1,000 ad impressions. Several factors influence your CPM rate:
- Viewer location — US, UK, and Australian viewers command the highest CPMs
- Content niche — Finance and insurance topics attract higher-paying advertisers
- Seasonality — Q4 (October-December) typically sees 30-60% higher CPMs due to holiday ad spending
- Audience demographics — Viewers aged 25-44 with higher purchasing power attract premium ads
Our Analysis
Based on our data analysis, US-based creators in the finance niche earn approximately 5x more per view than gaming creators. However, gaming channels often compensate with higher view volumes and sponsorship deals.
Calculate Your Own Earnings
These are general estimates based on average CPM data. Your actual earnings depend on your specific audience, content niche, and engagement rates. For a personalized estimate, try our YouTube Money Calculator with real CPM data adjusted by country and niche.
Try Our YouTube Calculator
Want to see exactly how much you could earn? Use our free YouTube Money Calculator with real CPM data adjusted by country, niche, and content type.
Calculate Your Earnings →Frequently Asked Questions
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Written by The Creator Paycheck Team
Our research team analyzes creator earnings data across YouTube, TikTok, Instagram, Twitch, and OnlyFans. We aggregate publicly available CPM data, creator earnings reports, and industry benchmarks to provide accurate, transparent income estimates for content creators worldwide.