🇺🇸 United States·Household net worth by age·Federal Reserve SCF 2022
How does your net worth compare for your age in the United States?
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
2.2×
the median for your age
Age 35–44 median: $135,600
Nationally (all ages): top 41%
You hold 2.2× the net worth of the typical household in your age group. The mean for your age is $549,600, 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 family net worth by age of reference person. Federal Reserve SCF 2022, Table 2. 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
$39K
7.7× median
35–44you
$136K
2.2× median
45–54
$247K
1.2× median
55–64
$365K
82% of median
65–74
$410K
73% of median
75 and over
$336K
89% of median
Three numbers worth the asterisk
What the age curve hides.
The 37% jump
Median U.S. net worth rose 37% from 2019 to 2022.
The largest three-year jump since the SCF began in 1983, driven by rising home values and equity markets. It lifted every age bracket, though younger households gained the most in percentage terms.
Mean vs median
The national mean is 5.5× the national median.
$1,063,700 mean versus $192,900 median. The top 1% holds roughly 30% of all household net worth, so the average is a poor description of a typical household. Always read the median for "where do I stand".
No within-age percentiles
The Fed does not publish percentiles inside each age bracket.
SCF publishes the median and mean per bracket, not P10 / P90 within it. This page compares your value to the bracket median and mean, and to the national all-ages percentile. A true within-age percentile would need the SCF microdata.
How does this rank globally?
A net worth that is middle-of-the-pack for your age in the US 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.
On track for retirement?
Compare your retirement balance to the typical saver your age.
Check→
Upper-middle class?
Type your income; see if you cross the line in your state.
Find out→
Saving enough for your age?
Your standing plus the savings-by-age guideline, in one honest checkup.
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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 2022 Survey of Consumer Finances (SCF), a household net worth of $1,920,800 places you in the top 10% in the United States. $3,795,600 reaches the top 5%, and $13,667,000 puts you in the top 1%. These thresholds include the value of primary residences, retirement accounts (401(k), IRA), and all other assets minus debts.
The median American household has a net worth of approximately $192,900 (Federal Reserve SCF, reference year 2022). Half of households hold more, half hold less. The mean is much higher — around $1,063,700 — because a small number of extremely wealthy households pull the average upward. The median rose 37% from 2019 to 2022, the largest jump since the survey began in 1983.
The U.S. mean of roughly $1,063,700 is about 5.5× the median of $192,900. This extreme gap reflects one of the most concentrated wealth distributions in the developed world: the top 1% holds roughly 30% of total household net worth. A small number of billionaires and multi-millionaires pull the average up without affecting the median, which is why the median is always the better number for describing a 'typical' American household.
A household net worth of $500,000 places you around the 70th percentile in the United States — well above the median of $192,900 but below the top 10% threshold of $1,920,800. In other words, you have more wealth than about 70% of American households, but are still below the tier commonly referred to as 'wealthy'.
Household net worth adds up the market value of all assets a household owns — primary residence, other real estate, retirement accounts (401(k), IRA, pension plans), bank and savings accounts, stocks, bonds, mutual funds, business equity, vehicles, and other assets — and subtracts all liabilities such as mortgages, student loans, credit card balances, vehicle loans, and other debt. The SCF is a comprehensive survey that captures both financial and non-financial assets.