Former Vice President Joseph R. Biden Jr. has outraised President Trump on the strength of some of the wealthiest and most educated ZIP codes in the United States, running up the fund-raising score in cities and suburbs so resoundingly that he collected more money than Mr. Trump on all but two days in the last two months, according to a New York Times analysis of $1.8 billion donated by 7.6 million people since April.

The data reveals, for the first time, not only when Mr. Biden decisively overtook Mr. Trump in the money race — it happened the day Senator Kamala Harris joined the ticket — but also which corners of the country, geographically and demographically, powered his remarkable surge.

The findings paint a portrait of two candidates who are, in many ways, financing their campaigns from two different Americas.

It is not just that much of Mr. Biden’s strongest support comes overwhelmingly from the two coasts, which it does. Or that Mr. Trump’s financial base is in Texas, which it is. It is that across the country, down to the ZIP code level, some of the same cleavages that are driving the 2020 election — along class and education lines — are also fundamentally reshaping how the two parties pay for their campaigns.

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