🇪🇸 Spain·Household net wealth
How does your net worth compare in Spain?
Enter your household net worth after debts. See your percentile — and what it actually means.
Our household is worth about €AFTER DEBTS in Spain.
Your position · Spain households
TOP50%
Upper middle
Above the median of 128 mil €. Typically homeowners with a part-paid mortgage.
You outrank 50% of households in Spain. That's 1.0× the Spain median net worth.
The anchors of the distribution
Median, mean, top decile.
The median household in Spain is worth 128 mil €. The mean is 279 mil €: the 2.2× gap is the signature of a long right tail. The top decile begins at 562 mil €; the bottom decile sits below 800 €.
Bottom decile
800 €
Often students, young renters, or households with negative net worth from consumer credit.
Median household
128 mil €
You sit 0 € above the median.
Top decile starts at
562 mil €
434 mil € away from joining the top decile.
The full distribution
Household wealth in Spain, 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 Spain 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 39%1.4× their median
🇳🇱the Netherlands
€106K
Top 47%1.2× their median
🇩🇪Germany
€107K
Top 47%1.2× their median
🇫🇷France
€126K
Top 50%1.0× their median
🇪🇸Spainyour country
€128K
Top 50%1.0× their median
🇦🇹Austria
€128K
Top 50%1.0× their median
🇺🇸the United States
$193K
Top 57%0.7× their median
🇮🇹Italy
€159K
Top 58%0.8× their median
🇦🇺Australia
A$579K
Top 68%0.4× their median
🇬🇧the United Kingdom
£294K
Top 71%0.4× their median
🇨🇦Canada
CA$520K
Top 82%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 2.2× the median.
The median household in Spain holds 128 mil €; the mean is 279 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 55 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.
Go global?
Type the same number into the global wealth pyramid to see your tier among billions of adults worldwide.
→
Next steps
Four ways to act on this number.
Am I rich in Spain? (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→
Can I afford a house in Spain?
What you can buy at your income and current mortgage rates.
Calculate→
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 Banco de España's EFF (harmonised with ECB HFCS Wave 2021, reference end-2020), a household net wealth of €561,700 places you in the top 10% in Spain. HFCS Statistical Tables Table J3 does not publish top-5% or top-1% thresholds — the highest published quantile is the 90th percentile. These figures exclude entitlements from public pension schemes.
The median Spanish household has a net wealth of approximately €127,700 (EFF 2020). Half of households hold more, half hold less. The mean is higher — around €278,700. Spain's relatively high homeownership rate (~76%) is the main driver of the median, as property wealth dominates most households' net worth.
Spain's median (€127,700) exceeds Germany's (~€106,700) despite lower incomes. The main reason is homeownership: about 76% of Spanish households own their home, compared to only ~50% in Germany. Property wealth is the largest asset for most households, so higher homeownership directly lifts the median.
A household net wealth of €300,000 places you around the 73rd percentile in Spain — comfortably above the median of €127,700 but below the top 10% threshold of €561,700. About 73% of Spanish households have less wealth than you.
Household net wealth adds up the market value of all assets — real estate (primary and secondary residences, investment property), bank deposits, shares, mutual funds, pension plans, life insurance, business assets, vehicles, and other valuables — and subtracts all liabilities (mortgages, consumer loans, other debt). Public pension entitlements are excluded.
Explore other countries
AR
Argentina
Median net worth in Argentina
AU
Australia
Median net worth in Australia
AT
Austria
Median net worth in Austria
BR
Brazil
Median net worth in Brazil
CA
Canada
Median net worth in Canada
FR
France
Median net worth in France
DE
Germany
Median net worth in Germany
IT
Italy
Median net worth in Italy
JP
Japan
Median net worth in Japan
MX
Mexico
Median net worth in Mexico
SG
Singapore
Median net worth in Singapore
ZA
South Africa
Median net worth in South Africa
CH
Switzerland
Median net worth in Switzerland
NL
the Netherlands
Median net worth in the Netherlands
GB
the United Kingdom
Median net worth in the United Kingdom
US
the United States
Median net worth in the United States