🇫🇷 France·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in France?
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
2.9×
the median for your age
Age 35–44 median: 102 600 €
Nationally (all ages): top 32%
You hold 2.9× the net worth of the typical household in your age group. The mean for your age is 231 300 €, 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 INSEE. 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
28 k €
10.8× median
35–44you
103 k €
2.9× median
45–54
166 k €
1.8× median
55–64
228 k €
1.3× median
65–74
271 k €
1.1× median
75 and over
231 k €
1.3× median
Three numbers worth the asterisk
What the age curve hides.
The late peak
French wealth keeps climbing into retirement.
Unlike most of the euro area, the French median does not peak before retirement: it reaches its highest point of €270,800 at ages 65-74, above the €227,500 of the 55-64 bracket, and is still €231,000 at 75 and over (HFCS 2023). Assurance-vie balances and paid-off property both keep accumulating past the end of working life.
Mean vs median
The national mean is 2.2× the national median.
330 700 € mean versus 149 000 € median. The wealthiest 10% of households hold 50.7% of all net wealth in France (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 France 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 France
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in France?
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 INSEE's Enquête Histoire de Vie et Patrimoine, harmonised into the ECB HFCS Wave 2023, a household net wealth of €764,500 places you in the top 10% in France. HFCS Table J3 does not publish top-5% or top-1% thresholds — the 90th percentile is the highest published quantile. Table J4 shows the top 10% of French households hold 50.7% of all net wealth and the top 5% hold 36.4%. Entitlements from public and occupational pension schemes are excluded, so real economic wealth is typically higher.
The median French household holds a net wealth of €149,000 (HFCS Wave 2023, fieldwork June 2023 to January 2024). Half of households hold more, half hold less. The mean is €330,700, roughly 2.2 times the median. France sits above the euro-area median of €140,100, helped by a 57.2% main-residence ownership rate (HFCS Table B1) and by assurance-vie, which most French savers use as their long-term vehicle — voluntary pension plans and whole life insurance make up 35.2% of all French financial assets, the highest share in the euro area (Table D3).
France's mean of €330,700 is 2.2 times its median of €149,000. The gap is real but narrower than Germany's, where the ratio is 3.1. France's wealth Gini is 0.679 against Germany's 0.725, and its p90/p50 ratio is 5.1 against 7.5 (HFCS Table J4). Only 1.8% of French households have negative net wealth, one of the lowest rates in the survey and well below Germany's 5.6% (Table F3) — the bottom of the French distribution is less exposed than the German one.
A household net wealth of €300,000 places you around the 68th percentile in France — twice the median of €149,000, but below the top-10% threshold of €764,500. Roughly two thirds of French households hold less than you do. Note that this figure counts your assurance-vie and any voluntary pension savings, but not your rights in the régime général or a complementary scheme, which the HFCS excludes.
Household net wealth (patrimoine net) adds up the market value of everything a household owns — the main residence, second homes and rental property, bank and regulated savings accounts such as the Livret A, assurance-vie policies, listed shares, bonds and mutual funds, professional and business assets, vehicles and valuables — and then subtracts every liability: mortgages, consumer credit, credit lines and card balances. Rights accrued in the public and complementary pension schemes are excluded.
The mean net worth in France is €330,700, against a median of €149,000 — the average is 2.2 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 France is €764,500 — 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 French households own 36.4% of all net wealth and the wealthiest 10% own 50.7%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in France tracks age closely. The median household under 35 holds €27,700; that rises to €270,800 at ages 65-74, a 9.8-fold climb, and settles at €231,000 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.
1.8% of French 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 €4,600 or less, and the bottom 20% hold €13,600 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.
78.3% of everything French households own is a real asset — property above all, plus vehicles, valuables and business equity — and only 21.7% is financial (ECB HFCS Wave 2023, Table D1). 57.2% own their main residence (Table B1), while 9.7% hold mutual funds and 12.6% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). The median household's financial assets come to €20,600 (Table C3). Most of the wealth on this page, in other words, cannot be spent without selling a home.