🇮🇪 Ireland·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in Ireland?
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
2.0×
the median for your age
Age 35–44 median: €151,400
Nationally (all ages): top 45%
You hold 2.0× the net worth of the typical household in your age group. The mean for your age is €302,400, 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 Central Statistics Office. 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
€24K
12.6× median
35–44you
€151K
2.0× median
45–54
€283K
1.1× median
55–64
€405K
74% of median
65–74
€416K
72% of median
75 and over
€385K
78% of median
Three numbers worth the asterisk
What the age curve hides.
The late peak
Irish wealth peaks after 65, not before it.
The median rises to €404,500 at 55-64 and keeps going, peaking at €415,700 at 65-74 before easing to €385,100 from 75 (HFCS 2023). Households do not spend down the family home at retirement, so the curve plateaus instead of falling.
Mean vs median
The national mean is 1.9× the national median.
€486,600 mean versus €258,100 median. The wealthiest 10% of households hold 50.5% of all net wealth in Ireland (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 Ireland 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 Ireland
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in Ireland?
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
A household net wealth of €1,021,600 puts you in the top 10% in Ireland (ECB HFCS Wave 2023, Table J3). Ireland is one of only three countries in the survey — with Luxembourg and Malta — where the top-10% entry point is above a million euro. Table J3 stops there: it publishes no top-5% or top-1% threshold, so the 90th percentile is the highest measured line. The figure counts property equity after mortgage, financial assets and business equity.
The median Irish household has a net wealth of €258,100 (ECB HFCS Wave 2023, Table J3) — the third highest of the 22 countries surveyed, behind Luxembourg (€676,000) and Malta (€376,400). That is about 1.8 times the euro-area median of €140,100. The mean is €486,600, well above the median because wealth is concentrated at the top.
Two things carry it: income and housing. Irish households have the second-highest median gross income in the survey, €68,500 against €37,100 for the euro area (Table I3), and 67.9% own their main residence against 60.1% euro-area-wide (Table B1). 85.1% of everything Irish households own is a real asset rather than a financial one (Table D1), so most of that €258,100 median is the house. It is not evenly shared: 5.5% of households still have negative net wealth, and the wealthiest 10% hold 50.5% of the total (Tables F3 and J4).
They carry it far more widely, but in smaller amounts. 65.6% of Irish households hold some debt against 41.5% across the euro area, and 55.0% hold non-mortgage debt against 26.1% (ECB HFCS Wave 2023, Table F1). Yet the median indebted household owes €34,700, close to the euro-area €31,800, and the burden ratios are lighter than average: debt is 42.5% of gross income against 66.0% euro-area-wide, and 20.3% of assets against 21.6% (Table G1). Widespread, not deep.
It sits between the 70th percentile (€450,700) and the 80th (€618,000), so a household worth €500,000 owns more than roughly three in four Irish households (ECB HFCS Wave 2023, Table J3). It is comfortably above the €258,100 median and still a long way from the top-10% line at €1,021,600.
The mean net worth in Ireland is €486,600, against a median of €258,100 — the average is 1.9 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 Ireland is €1,021,600 — 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 Irish households own 37.8% of all net wealth and the wealthiest 10% own 50.5%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in Ireland tracks age closely. The median household under 35 holds €23,900; that rises to €415,700 at ages 65-74, a 17.4-fold climb, and is still €385,100 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.
5.5% of Irish 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 €3,100 or less, and the bottom 20% hold €18,300 or less (Table J3). Negative net wealth is not always distress — a recent buyer with a new mortgage and a graduate with a loan both show up here — but it does mean a shock has nothing to land on.
85.1% of everything Irish households own is a real asset — property above all, plus vehicles, valuables and business equity — and only 14.9% is financial (ECB HFCS Wave 2023, Table D1). 67.9% own their main residence (Table B1), while just 4.8% hold mutual funds and 11.8% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). The median household's financial assets come to €15,900 (Table C3). Most of the wealth on this page, in other words, cannot be spent without selling a home.