etworthcalculatorMedian and average net worth by age
Age means the age of the family’s head, which the Fed calls the reference person. All figures are in 2025 dollars, so the 2022 comparison is already adjusted for inflation.
| Age | Median | Average | Median vs 2022 |
|---|---|---|---|
| Under 35 | $33,000 | $135,400 | −23% |
| 35-44 | $155,600 | $681,900 | +5% |
| 45-54 | $253,700 | $1,244,500 | −6% |
| 55-64 | $411,900 | $1,878,000 | +3% |
| 65-74 | $431,300 | $1,897,600 | −4% |
| 75 and older | $504,900 | $1,962,200 | +37% |
| All families | $215,900 | $1,241,500 | +2% |
Source: Federal Reserve, Changes in U.S. Family Finances from 2022 to 2025, Table 2.
Net worth percentiles by age
A family at the 90th percentile has more than 90% of families its age. The median sits at the 50th.
| Age | 25th | 75th | 90th | 99th |
|---|---|---|---|---|
| Under 35 | $3,000 | $145,000 | $351,000 | $1.59M |
| 35-44 | $18,000 | $468,000 | $1.23M | $8.35M |
| 45-54 | $55,000 | $942,000 | $2.56M | $14.1M |
| 55-64 | $72,000 | $1.42M | $3.46M | $20.1M |
| 65-74 | $118,000 | $1.31M | $3.66M | $20.5M |
| 75 and older | $144,000 | $1.42M | $4.19M | $20.3M |
| All families | $28,000 | $813,000 | $2.54M | $16.3M |
Calculated by NetWorthCalculator.com from the Fed’s 2025 public data file (all 5 data sets pooled, with survey weights). The Fed’s report uses its full internal data, so its medians differ from the public file by a few hundred dollars.
Median or average: which should you compare against?
Use the median. The average is pulled up by a small number of very wealthy families. For ages 35 to 44, the average ($681,900) is more than 4 times the median ($155,600). The median is the family right in the middle of the line.
What changed since 2022
After adjusting for inflation, the median for all families rose 2%. The change by age was uneven. Families headed by someone under 35 saw their median fall 23%, from $42,700 to $33,000. Families 75 and older rose 37%, from $367,300 to $504,900.
Moves of a few percent can come from sampling alone. The Fed puts the standard error on the all-families median at $6,400.
How the Fed measures net worth
The Survey of Consumer Finances interviews thousands of U.S. families every 3 years; 4,367 took part in 2025. A family is the household’s main earner or couple plus anyone who depends on them financially.
Net worth is assets minus debts. Assets include homes, vehicles, businesses, and bank and retirement accounts. Debts include mortgages, car loans, student loans and credit card balances. Future Social Security and traditional employer pension payments aren’t counted.
Questions
What is a good net worth for my age?
Above the median for your age group means you have more than half of families like yours. The 75th percentile is a stronger mark: for 35 to 44 it’s about $468,000, by our calculation from the Fed’s public data.
What net worth puts you in the top 1%?
About $16.3M across all U.S. families, by our calculation from the Fed’s 2025 public data. The top 2% starts around $10.1M and the top 10% around $2.54M.
What share of U.S. families are millionaires?
About 21.5% of families had a net worth of $1 million or more in 2025, by our calculation from the Fed’s public data. About 8.1% had a negative net worth, meaning they owed more than they owned.
Work out your own number
The net worth calculator adds up what you own and owe in about a minute. To see how it changes month to month, get notified when our tracker app launches.
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