🇮🇹 Italy·Household net worth by age·ECB HFCS 2023
How does your net worth compare for your age in Italy?
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
2.4×
the median for your age
Age 35–44 median: 127.500 €
Nationally (all ages): top 26%
You hold 2.4× the net worth of the typical household in your age group. The mean for your age is 185.400 €, 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 Banca d'Italia. 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
54K €
5.6× median
35–44you
128K €
2.4× median
45–54
159K €
1.9× median
55–64
206K €
1.5× median
65–74
194K €
1.6× median
75 and over
153K €
2.0× median
Three numbers worth the asterisk
What the age curve hides.
The flat curve
Italy's wealth curve is flatter than the euro area's.
From €127,500 at 35-44 to a peak of €206,400 at 55-64, Italian median wealth rises only 1.6× across the working years — against 2.1× across the euro area as a whole (HFCS 2023). Wealth arrives early, largely as inherited or long-held property: 74.5% of households own their main residence (Table B1) and only 26.1% carry any debt at all (Table E1), against 41.5% euro-area wide.
Mean vs median
The national mean is 1.9× the national median.
307.300 € mean versus 162.800 € median. The wealthiest 10% of households hold 51.3% of all net wealth in Italy (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 Italy 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 Italy
Enter your household net worth after debts. See your percentile, and what it actually means.
Compare→
Am I rich in Italy?
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 Banca d'Italia survey harmonised into the ECB HFCS Wave 2023, a household net wealth of €566,200 places you in the top 10% in Italy. That threshold is lower than in Germany (€775,200), France (€764,500), Spain (€679,800) or the Netherlands (€615,200). HFCS Table J3 does not publish top-5% or top-1% thresholds; Table J4 shows the top 10% of Italian households hold 51.3% of all net wealth and the top 5% hold 40.4%.
The median Italian household holds a net wealth of €162,800 (HFCS Wave 2023; assets valued at 31 December 2022, fieldwork during 2023). Half of households hold more, half hold less. The mean is €307,300, 1.9 times the median, well below the euro-area ratio of 2.2. Italy has the highest median of the euro area's four largest economies, above Spain (€151,600), France (€149,000), the Netherlands (€143,500) and Germany (€103,300).
Because Italians own homes and avoid both debt and markets. 74.5% of Italian households own their main residence (HFCS Table B1) and 81.6% of all their assets are real rather than financial (Table D1). Only 26.1% carry any debt at all, against 41.5% across the euro area (Table E1). And participation in markets is thin: 4.4% of Italian households own listed shares directly and 9.3% hold mutual funds, against euro-area rates of 11.4% and 14.2% (Table C1). The Italian balance sheet is a paid-off house.
A household net wealth of €300,000 places you around the 74th percentile in Italy — well above the median of €162,800 and closer to the top-10% threshold than the same sum would be anywhere else in the large euro-area economies, because that threshold is only €566,200. Roughly three in four Italian households hold less than you do.
Italy is wealth-rich and income-poor. Its median net wealth of €162,800 is 16% above the euro-area median of €140,100, yet its median gross household income of €29,700 is 20% below the euro-area figure of €37,100 (HFCS Tables J3 and I3). High ownership, low debt and inherited property explain the paradox — but the same structure is why Italian wealth is illiquid: only 18.4% of Italian household assets are financial (Table D1), so most of that median cannot be spent without selling a home.
The mean net worth in Italy is €307,300, against a median of €162,800 — 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 Italy is €566,200 — 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 Italian households own 40.4% of all net wealth and the wealthiest 10% own 51.3%. Any figure you see quoted as a "top 1% threshold" for this survey has been extrapolated by someone, not measured.
Wealth in Italy tracks age closely. The median household under 35 holds €53,500; that rises to €206,400 at ages 55-64, a 3.9-fold climb, and settles at €152,500 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.
1.3% of Italian 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 €5,200 or less, and the bottom 20% hold €26,400 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.
81.6% of everything Italian households own is a real asset — property above all, plus vehicles, valuables and business equity — and only 18.4% is financial (ECB HFCS Wave 2023, Table D1). 74.5% own their main residence (Table B1), while 9.3% hold mutual funds and 4.4% own listed shares directly, against euro-area rates of 14.2% and 11.4% (Table C1). The median household's financial assets come to €10,600 (Table C3). Most of the wealth on this page, in other words, cannot be spent without selling a home.