Where do you stand? Comprehensive breakdown by age group with median, average, top 10%, and bottom 25% benchmarks.
Source: Federal Reserve Survey of Consumer Finances (SCF) (2022)
Click any age range for detailed breakdown
| Age Range | Median | Average | Top 10% | Bottom 25% |
|---|---|---|---|---|
| Under 25 | $10,400 | $76,300 | $290,000 | $1,000 |
| 25-29 | $30,200 | $120,000 | $510,000 | $2,500 |
| 30-34 | $80,600 | $258,000 | $1,000,000 | $8,000 |
| 35-44 | $135,600 | $549,600 | $2,100,000 | $15,000 |
| 45-54 | $247,200 | $975,800 | $3,800,000 | $28,000 |
| 55-64 | $364,500 | $1,566,900 | $5,800,000 | $42,000 |
| 65-74 | $409,900 | $1,794,600 | $6,500,000 | $65,000 |
| 75+ | $335,600 | $1,624,100 | $5,900,000 | $80,000 |
Key Insight
Net worth in the US peaks at 65-74 (median $409,900) before declining as retirees spend. The chasm between average and median grows dramatically with age — at 65-74, the average ($1.79M) is 4.4× the median ($410K), reflecting extreme wealth concentration.
Track your net worth in the Richify app and see where you stand compared to your age group.
Download Richify — It's FreeThe average American household net worth is approximately $1,059,470 (Federal Reserve SCF 2022). The median is $192,900 — a much better indicator of what a 'typical' American household actually has. The average is heavily skewed by the ultra-wealthy.
A good benchmark is being at or above the median for your age group. Under 35: strive for $80,600+, 35-44: aim for $135,600+, 45-54: $247,200+, 55-64: $364,500+. These include everything: home equity, retirement accounts, savings, investments, minus debts.
Net worth = total assets minus total liabilities. Assets include: home value, 401(k), IRA, brokerage accounts, savings, business value, vehicles. Liabilities include: mortgage, student loans, credit card debt, auto loans, personal loans. Your 401(k) and home equity are usually the biggest components.
The Federal Reserve conducts the Survey of Consumer Finances (SCF) every three years. It's the most comprehensive survey of US household wealth. The latest published survey is from 2022, with over 6,000 households sampled. It breaks down assets and liabilities in detail.