Definitely don’t make any assumptions until you run some NPCs. I don’t know how you’re defining “upper middle class” (I’ve seen people with income in the top 5% classify themselves that way), but at some uber-wealthy schools, tuition is free (or close to it) for families with incomes as high as 150-160k.
Also, be sure to find out from your parents ASAP how much they can afford to (or are willing to) pay for your education.