Q: Does your charitable giving measure up? A: It all depends where you live and your gender.

By Dian Vujovich

Two new studies  about who among us  is the most generous are  out.  What each reveal might surprise you.

In a newly released “How America Gives” survey by The Chronicle of Philanthropy showed that those in the middle class are more generous than those who enjoy higher  tier incomes.

Some details:

• Households earning $50,000 to $75,000 give an average of 7.6 percent of their discretionary income to charity.

• Households earning $100,000 and more give an average of 4.2 percent.

• Plus, the wealthy who live in wealthy neighborhoods give a smaller percentage of their income to charity than people who live in economically diverse neighborhoods.

Data for this survey was compiled from the IRS and the taxpayers  who earned over $50,000 a year and itemized their tax deductions in 2008.

But wait. There’s more.

Another study, this one from the Women’s Philanthropy Institute at the Center on Philanthropy at Indiana University, found that Baby Boomer women and older women are more generous than guys in their respective age groups.

“Women, in general, earn less and have less money in retirement than men, and they have a greater life expectancy,” said Debra J. Mesch, Ph.D., director of the Women’s Philanthropy Institute. “Although some may have concerns about their financial security, our study suggests that Boomer and older women share their resources with others more generously than their male peers.”

And no, I am not surprised at the findings of either survey.