🇦🇹 Austria·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in Austria?
Enter your age and net worth. See exactly where you stand among households in your age group.
I'm years old with a household net worth of €.
vs. the typical household aged 35–44
4.4×
the median for your age
Age 35–44 median: € 68.900
Nationally (all ages): top 34%
You hold 4.4× the net worth of the typical household in your age group. The mean for your age is € 290.200, pulled up by the wealthiest few.
The wealth lifecycle
Net worth builds, peaks, then plateaus.
Each point is the median household net worth for an age bracket (solid cyan), with the mean above it (dashed violet). The gap between the two lines is the wealth concentration in that bracket. Your point sits at your age, at the net worth you entered.
Median (typical household) Mean (pulled up by the wealthiest) You
Median and mean household net wealth by age of the reference person. ECB HFCS Wave 2023, Tables A3 and A4; fieldwork by the Oesterreichische Nationalbank. Within-bracket percentiles are not published.
All six age brackets
Median and mean, decade by decade.
Your bracket is highlighted. The multiple shown is your net worth against that bracket's median, useful for seeing how you would rank if you were older or younger.
Under 35
€ 13.400
22.4× median
35–44you
€ 68.900
4.4× median
45–54
€ 186.200
1.6× median
55–64
€ 231.700
1.3× median
65–74
€ 197.400
1.5× median
75 and over
€ 148.800
2.0× median
Three numbers worth the asterisk
What the age curve hides.
The late start
Austrians start from almost nothing.
The median under-35 Austrian household holds €13,400 — less than its counterpart in Germany, France, Italy, Spain or the Netherlands — and then climbs seventeen-fold to €231,700 by 55-64 (HFCS 2023). Only 48.2% of Austrian households own their main residence (Table B1); wealth here is built late, and mostly by buying.
Mean vs median
The national mean is 2.7× the national median.
€ 336.600 mean versus € 124.700 median. The wealthiest 10% of households hold 51.4% of all net wealth in Austria (HFCS 2023), so the average is a poor description of a typical household.
No within-age percentiles
The HFCS does not publish percentiles inside each age bracket.
The survey publishes the median and mean per bracket, not P10 or P90 within it. This page compares your value to your bracket's median and mean, and to the national all-ages distribution.
How does this rank globally?
A net worth that is middle-of-the-pack for your age in Austria can place you in the global top few percent. See your tier among billions of adults worldwide.
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Next steps
Four calculators sized to the same question.
Median net worth in Austria
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in Austria?
Enter your household income after tax. See your percentile, and what it actually means.
Check→
Wealth pyramid
The median adult holds $9,000. The top 1% starts at $1 million. Type your number; find your tier.
Compare→
Compound your next windfall
Drop in a lump sum; see what it becomes at 5%, 7% and 10% over 10, 20 and 30 years.
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Frequently asked questions
Based on the ECB HFCS Wave 2023, fieldwork by the Oesterreichische Nationalbank, a household net wealth of €794,700 places you in the top 10% in Austria — higher than the same threshold in Germany (€775,200) or France (€764,500). HFCS Table J3 does not publish top-5% or top-1% thresholds. Table J4 shows the top 10% of Austrian households hold 51.4% of all net wealth and the top 5% hold 37.2%.
The median Austrian household holds a net wealth of €124,700 (HFCS Wave 2023, fieldwork March 2023 to February 2024). Half of households hold more, half hold less. The mean is €336,600, 2.7 times the median. Austria sits just below the euro-area median of €140,100 despite high incomes — a median gross household income of €47,800 against €37,100 euro-area wide (Table I3) — because only 48.2% of Austrian households own their main residence (Table B1).
Dramatically. Austrian households that own their main residence have a median net wealth of €399,800; those who rent or occupy for free have €17,000 (HFCS Table A1). That is a 23-fold gap, and it is the whole story of the distance between the Austrian median of €124,700 and mean of €336,600. With only 48.2% of households owning, Austria has one of the lowest ownership rates in the euro area, second only to Germany among the countries in this survey.
A household net wealth of €300,000 sits between the 60th percentile (€236,900) and the 70th (€335,800) in Austria — around the 66th percentile, so roughly two thirds of Austrian households hold less. It is well above the median of €124,700, but a long way from the top-10% threshold of €794,700.
Highly. The top 10% of Austrian households hold 51.4% of total net wealth and the top 5% hold 37.2%, with a wealth Gini of 0.701 — the third highest in the euro area, behind Germany (0.725) and Finland (0.707) (HFCS Table J4). The p90/p50 ratio of 6.4 means the household at the 90th percentile holds more than six times the median household. Low home ownership concentrates property wealth in fewer hands, while the public pension entitlements most Austrian households actually rely on are not counted in these figures at all.
The mean net worth in Austria is €336,600, against a median of €124,700 — the average is 2.7 times the middle household (ECB HFCS Wave 2023, Table J3). The two numbers answer different questions. The mean divides total national wealth by the number of households, so a handful of very large fortunes lifts it; the median is the household in the exact middle, so it describes what is typical. When you read "average net worth", check which one is meant — for "where do I stand", the median is the honest benchmark.
The HFCS does not publish it, and no honest answer can invent it. Table J3 stops at the 90th percentile, which in Austria is €794,700 — that is the top-10% entry point, the highest threshold the survey reports. What Table J4 does publish is how much the summit holds: the wealthiest 5% of Austrian households own 37.2% of all net wealth and the wealthiest 10% own 51.4%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in Austria tracks age closely. The median household under 35 holds €13,400; that rises to €231,700 at ages 55-64, a 17.3-fold climb, and settles at €148,800 from 75 (ECB HFCS Wave 2023, Tables A3 and A4). So there is no single "good" number — a 30-year-old at the median of their bracket and a 60-year-old at the median of theirs are both exactly average for their age. Our net-worth-by-age page compares your figure with your own bracket rather than the national median.
3.9% of Austrian households have negative net wealth — they owe more than they own — against 3.6% across the euro area (ECB HFCS Wave 2023, Table F3). Many more are close to zero: the bottom 10% of households hold €2,900 or less, and the bottom 20% hold €10,600 or less (Table J3). Negative net wealth is not always distress — a recent buyer with a new mortgage and a student with a loan both show up here — but it does mean a shock has nothing to land on.
87.6% of everything Austrian households own is a real asset — property above all, plus vehicles, valuables and business equity — and only 12.4% is financial (ECB HFCS Wave 2023, Table D1). 48.2% own their main residence (Table B1), while 11.6% hold mutual funds and 6.4% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). The median household's financial assets come to €17,000 (Table C3). Most of the wealth on this page, in other words, cannot be spent without selling a home.