Net worth by age
The typical American family is worth $216,100 (median) and the average family $1,232,000, from the Federal Reserve's 2025 Survey of Consumer Finances released October 9, 2026. In 2025 dollars the median rose 2% and the mean 6% since the 2022 survey. Pick your age and net worth to see your percentile.
Where do you rank?
Count home equity, retirement accounts, savings, investments, vehicles and business value; subtract mortgage, loans and cards.
Result
Net worth percentiles by age 2025 survey, 2025 dollars
| Age | 25th pct | Median | 75th pct | 90th pct | Top 1% | Average |
|---|---|---|---|---|---|---|
| 18–24 | $984 | $13,223 | $55,096 | $106,312 | — | $43,566 |
| 25–29 | $2,928 | $35,418 | $130,060 | $288,626 | $738,994 | $104,441 |
| 30–34 | $7,528 | $63,826 | $251,478 | $435,950 | $2,560,000 | $201,398 |
| 35–39 | $11,302 | $125,274 | $416,560 | $1,141,662 | $6,106,536 | $588,218 |
| 40–44 | $31,130 | $184,220 | $550,194 | $1,422,940 | $10,284,240 | $757,900 |
| 45–49 | $51,248 | $219,667 | $774,120 | $2,043,308 | $11,659,801 | $995,401 |
| 50–54 | $58,464 | $284,442 | $1,035,442 | $3,263,372 | $18,504,610 | $1,499,623 |
| 55–59 | $35,530 | $264,584 | $1,305,700 | $3,245,528 | $17,277,480 | $1,608,714 |
| 60–64 | $107,680 | $527,752 | $1,494,360 | $3,815,220 | $21,953,380 | $2,097,852 |
| 65–69 | $112,317 | $437,162 | $1,282,012 | $3,454,820 | $22,030,640 | $1,818,435 |
| 70–74 | $118,850 | $423,788 | $1,359,674 | $3,952,060 | $20,533,680 | $1,930,205 |
| 75–79 | $136,550 | $442,326 | $1,354,500 | $4,173,760 | $22,213,920 | $1,827,672 |
| 80+ | $197,222 | $566,490 | $1,522,310 | $4,188,700 | $19,334,090 | $2,084,607 |
Percentiles within each age group computed from the 2025 SCF public microdata by DQYDJ; the 18 to 24 row rests on 82 families and the top 1% column is noisy. The Fed's own published figures are the six broad brackets below.
Median net worth by age Fed, 2025 dollars
Median and mean, 2019 to 2025
| Age | 2019 median | 2022 median | 2025 median | Change 22–25 | 2025 mean |
|---|---|---|---|---|---|
| Less than 35 | $17,760 | $42,720 | $32,820 | -23% | $135,720 |
| 35–44 | $115,580 | $148,070 | $156,000 | +5% | $669,310 |
| 45–54 | $214,140 | $269,980 | $254,670 | -6% | $1,243,610 |
| 55–64 | $270,400 | $398,650 | $411,340 | +3% | $1,871,020 |
| 65–74 | $337,540 | $448,700 | $431,900 | -4% | $1,870,920 |
| 75 or more | $323,370 | $366,290 | $504,600 | +38% | $1,949,710 |
| All families | $154,470 | $210,890 | $216,100 | +2% | $1,232,000 |
Median family net worth since 1989 2025 dollars
Every three years; the dip is the 2010 and 2013 surveys after the housing crash. 2025 is the highest reading in the series.
Net worth by income group 2025
| Income percentile | Median net worth | Mean net worth | Median, 2022 |
|---|---|---|---|
| Bottom 20% | $12,840 | $145,330 | $18,490 |
| 20–39.9 | $80,000 | $254,580 | $64,080 |
| 40–59.9 | $203,100 | $462,270 | $185,410 |
| 60–79.9 | $385,500 | $803,490 | $329,190 |
| 80–89.9 | $818,000 | $1,421,450 | $867,970 |
| Top 10% | $3,624,600 | $7,565,790 | $2,899,010 |
Reading the numbers
- Median beats mean. The mean is five to six times the median because the top 1% own about a third of all wealth; "average net worth" headlines describe almost nobody.
- Housing did most of the work. Home equity is the largest asset for families outside the top 10%; the 2020 to 2025 price run is why every age bracket is up. See home prices by metro.
- Retirement accounts are second. The 2027 401(k) and IRA limits and the retirement calculator show how fast balances compound at these contribution levels.
- Debt is the drag under 35. Student loans (rates and RAP) and car loans (delinquency is at a 15-year high) keep the under-35 median at $32,820.
Sources: Fed SCF 2025 tables (2025 dollars) · Changes in U.S. Family Finances from 2022 to 2025 · DQYDJ net worth by age percentiles (2025 SCF). Fed figures are in 2025 dollars; the next survey is 2028.