Is $400,000 a good net worth?

Yes. $400,000 is about the 62nd percentile of U.S. families in the Federal Reserve’s 2025 survey, so roughly 38% of families have more and 62% have less. It’s almost double the national median of $215,900.

By age, the picture shifts a lot. Under 35, $400,000 is around the 91st percentile, a top-10% result. For 35 to 44 it’s around the 71st percentile. For 45 to 54, around the 59th. For 55 to 64 it sits almost exactly at that group’s median of $411,900, and for 65 and older it’s a little below the median.

So $400,000 is excellent early and about average heading into retirement, when most families need far more to replace a paycheck. If you’re over 55 with $400,000, the useful question is how much of it produces income.

Compare your own figure with the net worth by age tables.