US household net worth by age
In August 2026 dollars, in five-year groups by the age of the household's reference person. Each column is the net worth that share of households falls below: at the median, half have less. Groups with fewer households surveyed, such as 18–24, are less precise.
| Age | Median | 25th percentile | 75th percentile | 90th percentile | Households surveyed |
|---|
| 18–24 | $12k | $103 | $38k | $218k | 111 |
|---|
| 25–29 | $35k | $4.4k | $148k | $334k | 211 |
|---|
| 30–34 | $103k | $13k | $212k | $616k | 291 |
|---|
| 35–39 | $162k | $19k | $444k | $996k | 352 |
|---|
| 40–44 | $154k | $27k | $499k | $1.4M | 411 |
|---|
| 45–49 | $244k | $53k | $781k | $1.6M | 396 |
|---|
| 50–54 | $312k | $63k | $1.1M | $2.9M | 424 |
|---|
| 55–59 | $367k | $97k | $1.3M | $3M | 490 |
|---|
| 60–64 | $451k | $91k | $1.3M | $3.5M | 536 |
|---|
| 65–69 | $451k | $80k | $1.3M | $3.3M | 492 |
|---|
| 70–74 | $496k | $141k | $1.4M | $3.4M | 374 |
|---|
| 75+ | $383k | $107k | $1.1M | $3.1M | 507 |
|---|
| All ages | $221k | $31k | $754k | $2.2M | 4,595 |
|---|
Where these numbers come from
The Federal Reserve's Survey of Consumer Finances (2022, the latest), weighted across all five of its data sets, grouped by the age of the household's reference person into five-year groups. The Fed publishes medians for ten-year groups only; built from the same rows, ours are each within 0.3% of them. Amounts are brought forward with the BLS consumer price index to August 2026.
It covers US households only, and a household's whole net worth, including home equity. The survey runs every three years; these figures will update when the next one is published.
Net worth by age: common questions
What is the median net worth by age in the US?
In August 2026 dollars, the median US household net worth is about $12k at 18–24, $35k at 25–29, $103k at 30–34, $154k at 40–44, $312k at 50–54 and $451k at 60–64. Across all ages it is about $221k. The table above has every five-year age group. Source: Federal Reserve Survey of Consumer Finances, 2022.
What counts as net worth?
Everything a household owns, such as cash, investments, retirement accounts and the equity in a home, vehicles or a business, minus everything it owes, such as mortgages, student loans and card balances. The survey measures whole households, so compare your household’s net worth rather than one person’s.
Is my net worth good for my age?
The median is the middle household: half have more and half have less. Being above it means you are ahead of most households your age, but whether your net worth is enough depends on when you want work to be optional. The freedom date calculator turns your net worth, income and spending into that date.
Why are the survey figures adjusted for inflation?
The survey measured 2022. Prices have risen since, so its amounts are brought forward with the US consumer price index (CPI-U) to August 2026, a factor of 1.1446. That keeps today’s net worth and the survey in the same money.
Next: find your freedom date, or see the Coast FIRE calculator.