Net worth by age in America: averages, medians and percentiles (2026)
Are you ahead for your age? The average 40-year-old American household is worth $681,900 and the median is $155,600 — 401(k), home equity and all. Enter your details to see exactly where you rank, then let Richify build your plan to climb.
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Your percentile · ages 35-4450thThis page covers US household net worth percentiles by age, from the Federal Reserve's Survey of Consumer Finances — how ordinary American households compare to each other. It is not a directory of any individual person's or public figure's net worth.
🇨🇦 Canadian? See net worth by age in Canada (Statistics Canada SFS 2023) →
Median (p50) · 35-44
$155,600
Above median
Top 10% (p90)
$1,229,000
Wealthy tier
Top 1% (p99)
$8,327,000
Microdata calculation
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Net worth
$155,600
Rank · ages 35-44
50th
Median for your age
$155,600
Gap to the top 25%
$314,000
What could it look like?
Today
$156K
5 years
$242K
10 years
$358K
Illustration only: 6%/yr growth on positive net worth plus $500/month of new savings; debt is carried flat. Richify projects it from your actual accounts.
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35–44
$156K
45–54
$254K
55–64
$412K
65–74
$431K
Top 10% · 45–54
~$2.58M
A net worth of $155,600 at age 40 places you around the 50th percentile for the 35-44 group. The median is $155,600 (SCF 2025; Federal Reserve published). The percentile bands are Richify calculations from the Federal Reserve's SCF 2025 public microdata, not Fed-published figures (2025 USD).
$314K to the top 25%.
Richify analyzes your 401(k), IRA, brokerage and home equity to find the moves that close it — and tracks your percentile every month.
Your net worth journey · ages 35-44
Reach the median
50th percentile · $156K
Reach the top 25%
75th percentile · $470K
Reach the top 10%
90th percentile · $1.23M
Your next milestone: the top 25% — $314K to go
On the illustration above (6% a year plus $500/month), you'd get there in about 14 years. That's the generic version — Richify runs it on your real numbers: 401(k), IRA, brokerage and home equity, growth and debt — and finds the moves with the biggest impact.
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Median net worth in America 2026
The “typical” American household net worth — what it is, what it isn't, and why it differs sharply from the average.
Overall median (US)
$215,900
All households, SCF 2025
Median, 35–44
$155,600
Early mid-career band
Median, 55–64
$411,900
Pre-retirement band
Mean (all households)
$1.24M
5.8× the median — top-heavy
The median net worth in America is $215,900 (Federal Reserve Survey of Consumer Finances 2025, released 9 October 2026, in 2025 dollars). The median is the 50th percentile — exactly half of US households have more, half have less. It's a far better headline figure than the mean ($1,241,500) because top-1% concentration distorts the “typical American” picture: the mean is roughly 5.8× the median, one of the widest gaps in any developed country.
The Federal Reserve runs the SCF every three years; the 2025 survey is the latest. Median net worth by age band varies sharply from the $215,900 national figure (see the table below): the Fed's under-35 median is just $33,000 — down 23% from 2022 in real terms (this tool's microdata split goes down to ~$13,200 for the youngest) — while the median rises with every older band and peaks at $504,900 for families headed by someone 75 or older.
Net worth percentiles by age — United States
Full distribution by age band (2025 USD, including home equity & retirement accounts). The 35–44 band is the page's hero benchmark.
Quick answer
Average (mean) net worth by age in the US (Fed SCF 2025) climbs from $135.4K under 35 to $681.9K at 35–44 and peaks at $1.96M at 75+.
📊 Average by age (USD): Under 25 $44K · 25–29 $104K · 30–34 $201K · 35–44 $682K · 45–54 $1.24M · 55–64 $1.88M · 65–74 $1.9M · 75+ $1.96M
🎯 Median by age: Under 25 $13K · 25–29 $35K · 30–34 $64K · 35–44 $156K · 45–54 $254K · 55–64 $412K · 65–74 $431K · 75+ $505K
🔝 Top 5% by age: Under 25 $233K · 25–29 $426K · 30–34 $749K · 35–44 $2.39M · 45–54 $5.27M · 55–64 $7.49M · 65–74 $7.09M · 75+ $6.89M
⚖️ Average vs median: The average runs roughly 4.4× the median at 35–44 because a small number of very wealthy households pull the mean up; the median is the midpoint, so half of households that age hold less. For personal benchmarking use the median.
Source: Federal Reserve SCF 2025, released 9 October 2026 (the Fed publishes a single under-35 band — median $33,000, mean $135,400; the finer under-35 splits shown are Richify calculations from the Fed's SCF 2025 public microdata).
Source: Federal Reserve Survey of Consumer Finances 2025 (released 9 October 2026; 2025 dollars) — median and mean net worth by age (the Fed publishes a single under-35 band of $33,000; the under-25/25-29/30-34 rows are Richify calculations from the Fed's public microdata). The percentile bands (P10–P99, including the top 5% and top 2% lines) are Richify calculations from the Federal Reserve's SCF 2025 public microdata, not Fed-published percentiles; the top 2% and top 1% lines rest on small samples and are the roughest. Last updated October 2026.
What's your number?
Compare your net worth against every percentile in your age group.
How net worth by age changed between the 2022 and 2025 surveys
Every figure below is published by the Federal Reserve — no Richify calculations. The 2022 column is restated by the Fed in constant 2025 dollars, so each percentage is a real change already net of inflation. For all families the median rose just +2% (mean +7%), but the age bands split sharply: under-35 median net worth fell 23%, from $42,700 to $33,000 (the Fed points to the unwinding of 2019–22 business-equity gains), while families headed by someone 75 or older gained +37%, to $504,900, driven by retirement-account values. At 45–54 the median slipped 6% while the mean rose 17% — gains concentrated at the top of that band rather than in the middle.
| Age of reference person | Median 2022 (in 2025 $) | Median 2025 | Change | Mean 2025 |
|---|---|---|---|---|
| Under 35 | $42,700 | $33,000 | −23% | $135,400 |
| 35-44 | $148,400 | $155,600 | +5% | $681,900 |
| 45-54 | $270,600 | $253,700 | −6% | $1,244,500 |
| 55-64 | $398,900 | $411,900 | +3% | $1,878,000 |
| 65-74 | $448,600 | $431,300 | −4% | $1,897,600 |
| 75 or more | $367,300 | $504,900 | +37% | $1,962,200 |
| All families | $211,100 | $215,900 | +2% | $1,241,500 |
Source: Federal Reserve Bulletin, Changes in U.S. Family Finances from 2022 to 2025, table 2 (October 2026). Thousands of constant 2025 dollars in the original (the 2022 column restated in 2025 dollars by the Fed); shown here in full dollars. The Fed publishes a single “less than 35” band for this series — it is not split further here, because any split would be modelled.
Net worth by generation, Q2 2026
The Federal Reserve's Distributional Financial Accounts split all US household wealth by generation every quarter. In Q2 2026, Baby Boomer households held 52.5% of it ($97.4 trillion), while Millennial and Gen Z households, the largest group at 50.4 million, held 11.2%. Dividing each total by the Fed's household count gives an average net worth of about $2.37M per Boomer household against $413K per Millennial or Gen Z household. These are averages, pulled up by the wealthiest households in each generation, and they are in current dollars of the quarter rather than the 2025 dollars of the age table above.
| Generation (born) | Total net worth | Share | Households | Average per household |
|---|---|---|---|---|
| Silent and earlier (before 1946) | $19.8 trillion | 10.7% | 8.9M | $2,218,808 |
| Baby Boomers (1946–1964) | $97.4 trillion | 52.5% | 41.1M | $2,370,911 |
| Gen X (1965–1980) | $47.7 trillion | 25.7% | 34.8M | $1,367,872 |
| Millennials and Gen Z (1981 or later) | $20.8 trillion | 11.2% | 50.4M | $413,153 |
Source: Federal Reserve, Distributional Financial Accounts, Q2 2026 (total net worth, share of total and household count are Fed-published). Average per household is a Richify calculation: the Fed's total divided by its household count. Generations follow the Fed's birth-year definitions; the Fed's "Millennial" group covers everyone born in 1981 or later, so Gen Z is counted inside it and has no separate figure. Fed DFA generation data
These are 2025 dollars — what they are worth in September 2026
Every figure above is in 2025 dollars, because that is how the Survey of Consumer Finances reports — the 2025 survey, released 9 October 2026, is the newest official data. Your own net worth, though, is in today's dollars. US consumer prices have risen 4.7% since the 2025 average, so comparing the two directly quietly flatters you by about that much. Restated in September 2026 money:
The national median $215,900 (2025) is approximately $225,957 in September 2026 money.
The national mean $1,241,500 (2025) is approximately $1,299,333 in September 2026 money.
The same restatement, band by band (age of the family's reference person). The middle column is the median net worth the Federal Reserve published, in 2025 dollars; the right column is Richify's inflation-adjusted equivalent — an estimate, not a Fed figure:
| Age | Median, 2025 $ (Fed) | ≈ September 2026 $ (Richify) |
|---|---|---|
| Under 35 | $33,000 | ≈ $34,537 |
| 35-44 | $155,600 | ≈ $162,848 |
| 45-54 | $253,700 | ≈ $265,518 |
| 55-64 | $411,900 | ≈ $431,087 |
| 65-74 | $431,300 | ≈ $451,391 |
| 75 or more | $504,900 | ≈ $528,420 |
| All families | $215,900 | ≈ $225,957 |
Read that correctly: it does not mean American households got richer between 2025 and now. It is the same survey figure restated in current purchasing power, so that a like-for-like comparison against your own balance sheet is possible. If you want the stricter benchmark, measure yourself against the adjusted column — clearing $215,900 today is not the same achievement as clearing it in 2025.
Adjusted using the US Bureau of Labor Statistics CPI-U, all items, US city average, not seasonally adjusted (series CUUR0000SA0): 2025 annual average 321.943 (as published by BLS — October 2025 was never published, so BLS's own annual figure is used) to September 2026 336.940, a factor of 1.0466. BLS Consumer Price Index. The adjusted figures are marked ≈ because they are Richify estimates, not Federal Reserve published data — the Fed publishes the 2025-dollar column only. Note that the 2022→2025 changes in the table above are already real changes in constant 2025 dollars, so this factor is not applied to them. Every other table on this page is left in the SCF's own 2025 dollars so it matches the source exactly.
Net worth by age, explained
The median, average and top-tier thresholds at each key age — and what drives them.
Average net worth of a 30-year-old American
The average (mean) net worth of a 30-year-old American is $201,400, and the median is $63,800 (Richify calculation from the Federal Reserve's SCF 2025 public microdata, age band 30-34) — the average is 3.2× the median.
The median net worth of a 30-year-old American is approximately $63,800 (Richify calculation from the Federal Reserve's SCF 2025 public microdata — the Fed publishes a single under-35 median of $33,000, so the 30-34 figure is a split of that band, not a Fed-published number). At 30, most Americans are early in their career with student loan debt still being paid down — the gap between the median and average reflects early wealth concentration among those who inherited assets or started businesses. A 401(k) started at 22 with consistent contributions typically reaches $40K–$80K by age 30. The top 10% threshold for the 30-34 band, also a Richify microdata calculation, is about $436,000.
Average net worth of a 35-year-old American
The average (mean) net worth of a 35-year-old American is $681,900, and the median is $155,600 (Federal Reserve SCF 2025, age band 35-44) — the average is 4.4× the median.
The median net worth of a 35-year-old American is approximately $155,600 (SCF 2025, age band 35-44). By 35, 401(k) balances for consistent maxers typically reach $120K–$200K, and those who bought homes 5-8 years ago have meaningful equity. The average ($681,900) is now about 4.4× the median — wealth concentration in this band is driven primarily by those with appreciated real estate or early tech/startup equity. The top 10% threshold (about $1.23M, a Richify calculation from the Fed's SCF 2025 microdata) for the 35-44 band usually indicates home equity + maxed retirement accounts + a brokerage portfolio.
Average net worth of a 40-year-old American
The average (mean) net worth of a 40-year-old American is $681,900, and the median is $155,600 (Federal Reserve SCF 2025, age band 35-44) — the average is 4.4× the median.
The median net worth of a 40-year-old American is approximately $155,600 (SCF 2025, age band 35-44). Age 40 is a critical compounding checkpoint: those who started investing at 25 have seen 15 years of compound growth. A consistently maxed 401(k) from age 25 is roughly $250K–$350K at 40. The top 1% threshold for this band is about $8.3M (Richify microdata calculation) — most often via business ownership, multi-family real estate, or concentrated equity from a startup. For most Americans, 40 is the point where the home becomes the single largest asset.
Average net worth of a 45-year-old American
The average (mean) net worth of a 45-year-old American is $1,244,500, and the median is $253,700 (Federal Reserve SCF 2025, age band 45-54) — the average is 4.9× the median.
The median net worth of a 45-year-old American is approximately $253,700 (SCF 2025, age band 45-54). The 45-54 band is where the wealth gap becomes most stark: the average ($1,244,500) is nearly 5× the median. A 401(k) maxed since age 22 is roughly $500K–$700K by 45. The top-10% line (~$2.6M, a Richify microdata calculation) marks well-funded retirement — enough to retire now at a comfortable level even without Social Security. Age 50 catch-up contributions ($8,000 extra/year to a 401(k) in 2026, $11,250 at ages 60-63) become available, a powerful late-career lever.
Average net worth of a 50-year-old American
The average (mean) net worth of a 50-year-old American is $1,244,500, and the median is $253,700 (Federal Reserve SCF 2025, age band 45-54) — the average is 4.9× the median.
The median net worth of a 50-year-old American is approximately $253,700 (SCF 2025, age band 45-54). Age 50 is peak debt-paydown for many: mortgages originated in the early 30s are now 15-20 years in and home equity is often the largest single asset. Peak earning years also typically land here. The top-10% line (~$2.6M, a Richify microdata calculation) is a FatFIRE-level number — enough to support roughly $103,000/year at a 4% safe withdrawal rate. Age-50 catch-up contributions to 401(k) and IRA add $9,100/year in tax-advantaged savings room (2026 limits).
Average net worth of a 55-year-old American
The average (mean) net worth of a 55-year-old American is $1,878,000, and the median is $411,900 (Federal Reserve SCF 2025, age band 55-64) — the average is 4.6× the median.
The median net worth of a 55-year-old American is approximately $411,900 (SCF 2025, age band 55-64). Social Security claiming strategy becomes a key planning lever at 55 — delaying from 62 to 70 increases monthly benefits by roughly 77%, making the break-even age about 80. Median 401(k) + IRA balance for consistent savers in this band is roughly $200K–$300K. The top-10% line (~$3.4M, a Richify microdata calculation) indicates a position where Social Security is optional income rather than a retirement necessity. Rule of 55 (penalty-free 401k withdrawals) also activates this year.
Average net worth of a 60-year-old American
The average (mean) net worth of a 60-year-old American is $1,878,000, and the median is $411,900 (Federal Reserve SCF 2025, age band 55-64) — the average is 4.6× the median.
The median net worth of a 60-year-old American is approximately $411,900 (SCF 2025, age band 55-64). By 60, most Americans are within 5 years of planned retirement. The 90th-percentile line (~$3.4M, a Richify microdata calculation) represents the threshold for retiring comfortably on investment income. Required Minimum Distributions begin at age 75 for anyone born in 1960 or later, giving 60-year-olds a 15-year window for Roth conversions at lower tax rates — one of the most powerful wealth-building moves in this decade. Medicare eligibility at 65 removes the largest pre-retirement insurance cost.
Frequently asked questions
What is the average net worth in America by age?+
Average (mean) net worth by age in the US (Federal Reserve SCF 2025, 2025 dollars): under 35 $135K; 35-44 $682K; 45-54 $1.24M; 55-64 $1.88M; 65-74 $1.90M; 75+ $1.96M. The mean is heavily skewed by the ultra-wealthy — the median is a far better benchmark for most households.
What is the median net worth in America by age?+
Median net worth by age in the US (Federal Reserve SCF 2025, 2025 dollars): under 35 $33K; 35-44 $156K; 45-54 $254K; 55-64 $412K; 65-74 $431K; 75+ $505K. The finer under-35 splits this tool shows (under 25 ~$13K; 25-29 ~$35K; 30-34 ~$64K) are Richify calculations from the Fed's SCF 2025 public microdata — the Fed publishes a single under-35 band, not sub-bands. Median means 50% of households at that age have less. In the 2025 survey the median rises with every age band and peaks at 75+ ($504,900).
What is a good net worth for my age in America?+
A reasonable benchmark is the median for your age bracket (SCF 2025): 30-34 ~$64K; 35-44 $156K; 45-54 $254K; 55-64 $412K. To beat the average you need to clear the mean, which is harder because it is pulled up by the top 10%. For retirement security, a better target is the 75th percentile for your age (Richify calculation from the Fed's SCF 2025 microdata): 35-44 ~$470K; 45-54 ~$940K; 55-64 ~$1.4M — clearing p75 puts you on track for self-funded retirement without full Social Security dependency.
What is the top 10% net worth by age in the US?+
The 90th-percentile (top-10%) net worth by age — Richify calculations from the Federal Reserve's SCF 2025 public microdata (the Fed publishes median and mean by age, not a by-age percentile table): under 25 ~$106K; 25-29 ~$289K; 30-34 ~$436K; 35-44 ~$1.23M; 45-54 ~$2.58M; 55-64 ~$3.41M; 65-74 ~$3.60M; 75+ ~$4.14M. For context, the national top-10% net worth line is about $2.55M (same microdata calculation). Crossing the top-10% line at any age typically requires home equity in a HCOL city, a maxed retirement portfolio, or business ownership.
What is the top 5% net worth by age in the US?+
Top 5% (95th-percentile) net worth by age — Richify calculations from the Federal Reserve's SCF 2025 public microdata, 2025 dollars (the Fed publishes median and mean by age, not a by-age percentile table): Under 25 ~$233K; 25-29 ~$426K; 30-34 ~$749K; 35-44 ~$2.39M; 45-54 ~$5.27M; 55-64 ~$7.49M; 65-74 ~$7.09M; 75+ ~$6.89M. The top 2% (98th-percentile) line, same calculation: Under 25 ~$374K; 25-29 ~$648K; 30-34 ~$1.47M; 35-44 ~$5.57M; 45-54 ~$9.87M; 55-64 ~$14.83M; 65-74 ~$13.94M; 75+ ~$15.55M. Above the top 10% the samples per age band get thin, so treat the top-2% and top-1% lines as rough.
What is the top 1% net worth by age in the US?+
Top 1% (99th-percentile) net worth by age — Richify calculations from the Federal Reserve's SCF 2025 public microdata (not Fed-published percentiles): 30-34 ~$2.56M; 35-44 ~$8.3M; 45-54 ~$14.6M; 55-64 ~$20.5M; 65-74 ~$20.5M; 75+ ~$20.4M. The gap between the 90th and 99th percentile widens dramatically through the mid-50s, reflecting decades of compounding on an already large base, then levels off at around $20M from 55 onward.
What counts towards net worth in America?+
Net worth = total assets minus total liabilities. Assets include: home value, 401(k), IRA, brokerage accounts, savings, vehicles, business interests, life insurance cash value. Liabilities include: mortgage balance, student loans, credit card debt, auto loans, personal loans. Your 401(k) balance and home equity are typically the two largest components for Americans in the 35-65 age range.
Why is the average net worth so much higher than the median?+
Right-skewed distribution — a small number of extremely wealthy households pull the mean far above where most people sit. At age 65-74: 9 households at $350K average but one at $20M pushes the 'average' to about $2.3M. In the SCF 2025 the mean is roughly 4–5× the median in most age bands (3.9× at 75+), and about 5.8× for all families ($1.24 million vs $215,900). For personal benchmarking, always use the median — only about 1 in 5 US households is worth $1 million or more (Richify calculation from the Fed's SCF 2025 microdata), even though the national mean is above that.
How is US net worth data collected?+
The Federal Reserve conducts the Survey of Consumer Finances (SCF) every three years. Each wave oversamples wealthy households to get accurate top-of-distribution estimates. It is the most comprehensive US household wealth survey, covering all asset classes and liabilities in detail. The latest is the 2025 SCF, released 9 October 2026; the next wave is the 2028 survey. Data is published at federalreserve.gov.
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Start 7-day free trialData source: Federal Reserve Survey of Consumer Finances 2025 (released 9 October 2026). For education only — not financial advice. © 2026 Richify.
