🇵🇹 Portugal·Household net wealth
How does your net worth compare in Portugal?
Enter your household net worth after debts. See your percentile, and what it actually means.
Our household is worth about €AFTER DEBTS in Portugal.
Your position · Portugal households
TOP50%
Upper middle
Above the median of 152 mil €. Typically homeowners with a part-paid mortgage.
You outrank 50% of households in Portugal. That's 1.0× the Portugal median net worth.
The anchors of the distribution
Median, mean, top decile.
The median household in Portugal is worth 152 mil €. The mean is 298 mil €: the 2.0× gap is the signature of a long right tail. The top decile begins at 771 mil €; the bottom decile sits below 2 mil €.
Bottom decile
2 mil €
Often students, young renters, or households with negative net worth from consumer credit.
Median household
152 mil €
You sit 0 € above the median.
Top decile starts at
771 mil €
619 mil € away from joining the top decile.
The full distribution
Household wealth in Portugal, on a log scale.
Each bar is a wealth bracket; its height is the share of all households in that bracket. The x-axis is logarithmic, so a small and a large fortune don't look like they live on different planets. Half of Portugal sits below the dashed median line; one in ten sit above the top-decile line.
Below median Above median Top quartile Top decile You
Each bar is a decile of households, 10% each; its height is how tightly that tenth is packed in wealth terms, derived from the published decile thresholds. The top bar covers everyone above the ninth decile.
Where this number ranks abroad
Your net worth, across comparable countries.
Same household-net-worth methodology, converted to each country's currency at approximate exchange rates. Where your number lands tells you something different in each economy.
Sort by
Country
Median household
Your position
🇯🇵Japan
¥14.2M
Top 32%1.7× their median
🇫🇮Finland
€96K
Top 40%1.6× their median
🇩🇪Germany
€103K
Top 45%1.5× their median
🇦🇹Austria
€125K
Top 48%1.2× their median
🇳🇱the Netherlands
€144K
Top 49%1.1× their median
🇫🇷France
€149K
Top 50%1.0× their median
🇪🇸Spain
€152K
Top 50%1.0× their median
🇵🇹Portugalyour country
€152K
Top 50%1.0× their median
🇮🇹Italy
€163K
Top 53%0.9× their median
🇺🇸the United States
$193K
Top 53%0.9× their median
🇧🇪Belgium
€254K
Top 63%0.6× their median
🇮🇪Ireland
€258K
Top 63%0.6× their median
🇦🇺Australia
A$579K
Top 66%0.4× their median
🇬🇧the United Kingdom
£294K
Top 68%0.4× their median
🇱🇺Luxembourg
€676K
Top 74%0.2× their median
🇨🇦Canada
CA$520K
Top 79%0.4× their median
The filled bar shows your position on each country's distribution; the notch sits at the country median. Cross-country figures use approximate market exchange rates; inter-quantile points are interpolated from published deciles.
Three numbers worth the asterisk
What the percentile hides.
The mean vs median gap
The mean is 2.0× the median.
The median household in Portugal holds 152 mil €; the mean is 298 mil €. That gap is the signature of a long right tail: a small number of very wealthy households pulls the average up, which is why the median is the truer middle.
The first rung
The first 65 mil € separates the bottom from the middle.
Below the lower deciles, households are typically renters with limited financial assets. Above this line, a primary residence enters the picture and the asset base compounds. The moment of buying is the single biggest step on the wealth ladder.
The pension blind spot
Your real economic wealth is higher than this.
This measure excludes accrued entitlements from public and most occupational pension schemes, so the real economic wealth of a typical household is meaningfully higher than the figure shown. The wealthier you are, the smaller that adjustment is in proportion.
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Next steps
Four ways to act on this number.
Am I rich in Portugal? (income)
The income twin of this page: your percentile and tier from the same survey family.
Compare→
Saving rate, ranked
How much of your take-home pay you keep, versus other economies.
Compare→
Compound your next milestone
See what a lump sum becomes at 5%, 7% and 10% over 10, 20 and 30 years.
Run it→
Frequently asked questions
Based on the ISFF 2024 survey (Banco de Portugal / INE), a household net wealth of EUR 494,700 puts you above 85% of families in Portugal, and EUR 1,046,700, the median of the wealthiest 10% of families, puts you above 95%. The release does not publish a 90th-percentile threshold. These figures include real estate equity (after mortgage), financial assets, and business assets.
The median Portuguese household had a net wealth of EUR 151,800 in 2024 (ISFF 2024). The mean is nearly double at EUR 298,400, reflecting wealth concentrated at the top. Both rose about 29% in real terms since 2020, driven mostly by surging house prices.
Homeownership. 70.8% of Portuguese families own their main residence (ISFF 2024), and most older owners hold their homes outright, so housing equity rather than financial assets is the backbone of household wealth. In the current harmonised European comparison (ECB HFCS Wave 2023), Portugal's median net wealth of €151,800 sits 47% above Germany's €103,300 — even though the median Portuguese household earns €26,000 a year against €50,400 in Germany (HFCS Table I3). Portugal converts a smaller income into a larger balance sheet, because the balance sheet is a house.
It is comfortably above the middle. EUR 250,000 sits between the national median of EUR 151,800 and the 70th-percentile threshold of EUR 273,900 (ISFF 2024): more wealth than well over half of Portuguese families, but not yet in the top 30%.
Steeply. The median family under 35 held EUR 36,200 in 2024, rising to EUR 128,600 at ages 35 to 44, EUR 178,900 at 45 to 54, EUR 188,100 at 55 to 64, and peaking at EUR 202,100 at 65 to 74 before falling back to EUR 137,300 from 75 on. Only about 40% of under-35 families own their home, versus 70.8% overall, which is exactly why the age curve is so steep in a housing-dominated wealth distribution.
49.6% of total net wealth in 2024 (ISFF 2024, Quadro 2). The poorer half of all families holds just 8.9% of the total, while the families between the median and the 90th percentile hold 41.5%. The median inside the top decile is EUR 1,046,700, against EUR 1,700 inside the bottom fifth.
Less than you might expect at the bottom. Families in the lowest income quintile still have a median net wealth of EUR 63,200, largely thanks to owned homes, while families in the top income decile have a median of EUR 554,500 (ISFF 2024). High income and high wealth overlap, but a paid-off house can put a modest-income family well above the national median.
By work status, the self-employed lead with a median of EUR 343,400, against EUR 138,800 for employees, EUR 156,900 for retirees and EUR 31,600 for the unemployed (ISFF 2024). By education, families whose reference person completed higher education have a median of EUR 278,400, more than double the EUR 116,900 of families with basic education.
Among indebted families, the median outstanding debt was EUR 35,300 in 2024 (ISFF 2024). Across all families, with and without debt, average debt fell 16.2% in real terms between 2020 and 2024, which itself contributed to the rise in median net wealth.
It is mixed, per ISFF 2024. The Gini index eased from 65.7 to 64.8 and the share of total net wealth held by the richest 10% of families fell from 51.2% to 49.6%. But the distance between the extremes widened: the P90/P10 ratio rose from 302.6 to 389.6, because the poorest families' wealth barely moved while housing lifted everyone who owns.
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