Average Net Worth by Age (2025)
The mean net worth at each age, from the Federal Reserve’s 2025 survey, and why it sits far above what a typical family has.
Empty: all ages
Owned minus owed (a couple’s combined). Stays on this device.
Add it upwhat you own minus what you owe
Fill in what applies; the total goes into Net worth above. Leave out Social Security and pensions that pay a monthly income, as the survey does.
ExampleYour rank, ages 45–54
81stpercentile
More net worth than about 81% of families headed by someone aged 45–54.
- $5M or more5%
- $2M–$5M7%
- $1M–$2MYou11%
- $500K–$1M12%
- $250K–$500K14%
- $100K–$250K17%
- $25K–$100K14%
- $0–$25K13%
- Below $06%
- Median, ages 45–54
- $253,700
- Top 10% starts at
- $2.6M
- Among all ages
- 82nd percentile
Compares your number with a survey of US families; not financial advice. SourcesTerms
What counts in net worthAs the Federal Reserve measures it
Counted: cash and bank accounts, retirement accounts such as 401(k)s and IRAs, stocks, funds and bonds, the cash value of life insurance, homes and other property, vehicles and businesses you own.
Taken off: mortgages and home equity loans, car and student loans, credit card balances you carry and other debts.
Not counted: Social Security and workplace pensions that pay a set monthly income, because their value depends on guesses about the future.
How this works: Method, 5 sources, Checked against 1 worked example,
How this works
Method
Your net worth is placed among US families whose head is your age, on the 1st to 99th percentiles of the Federal Reserve’s 2025 Survey of Consumer Finances, reading between the two nearest percentiles. We work the percentiles out from the Fed’s public data file, weighting each family and pooling the survey’s five imputations as the Fed does; our medians and means match the Fed’s own public-data tables. Medians and means quoted on the page are the Fed’s published figures in 2025 dollars.
Sources
- Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances (Federal Reserve Bulletin, 2026)
- Survey of Consumer Finances 2025, summary extract public data (Board of Governors of the Federal Reserve System, 2026)
- SCF historic tables based on internal data, in 2025 dollars (Board of Governors of the Federal Reserve System, 2026)
- Survey of Consumer Finances 2025 codebook (Board of Governors of the Federal Reserve System, 2026)
- Survey of Consumer Finances: frequently asked questions (Board of Governors of the Federal Reserve System)
How it’s tested
One worked example for this page is checked by automated tests before every release: given the inputs, the tool must show the expected answer.
Limits
Compares your number with a survey of US families; not financial advice.
Changes
- First published, on the Fed’s 2025 Survey of Consumer Finances: your percentile for your age, the median and mean by age, and three by-age pages.
Worked example: the average 45–54 family
The Fed’s average (mean) net worth for families aged 45–54 is $1,244,500, 4.9 times their median of $253,700. Enter 45 and the mean above and it ranks at the 81st percentile: roughly 81 families in 100 in that age group have less than the “average” family.
Average (mean) net worth by age, 2025
Mean and median net worth in 2025 dollars (Federal Reserve Bulletin, October 2026, Table 2), and the share of families below the mean (our calculation from the public data).
| Age | Mean | Median | Mean ÷ median | Families below the mean |
|---|---|---|---|---|
| Under 35 | $135,400 | $33,000 | 4.1× | about 74% |
| 35–44 | $681,900 | $155,600 | 4.4× | about 81% |
| 45–54 | $1,244,500 | $253,700 | 4.9× | about 81% |
| 55–64 | $1,878,000 | $411,900 | 4.6× | about 81% |
| 65–74 | $1,897,600 | $431,300 | 4.4× | about 80% |
| 75 and over | $1,962,200 | $504,900 | 3.9× | about 79% |
| All families | $1,241,500 | $215,900 | 5.8× | about 82% |
In every age group the mean is about four to five times the median. For all families together it was $1,241,500 against a median of $215,900, 5.8 times as much. That gap is the clearest sign of how unequal wealth is.
Averages make good headlines and poor yardsticks. If you are told the average American family your age has $1,878,000 (the 55–64 mean), it is easy to feel far behind, yet about four in five families that age have less. For “how am I doing?”, the median and your percentile are the fairer comparison.
Means do have a use: they add up. The mean times the number of families gives total wealth, so the mean is the right figure for questions about the whole economy, such as how much wealth families aged 75 and over hold in total, or how fast family wealth grew overall.
Mean net worth by age, 2022 and 2025
| Age | 2022 | 2025 | Change |
|---|---|---|---|
| Under 35 | $200,800 | $135,400 | −33% |
| 35–44 | $601,500 | $681,900 | +13% |
| 45–54 | $1,067,900 | $1,244,500 | +17% |
| 55–64 | $1,714,700 | $1,878,000 | +10% |
| 65–74 | $1,963,900 | $1,897,600 | −3% |
| 75 and over | $1,777,400 | $1,962,200 | +10% |
| All families | $1,164,100 | $1,241,500 | +7% |
Why the average is so far above the median
The average, or mean, adds up every family’s net worth and divides by the number of families. A few very wealthy families add a great deal to the total without adding many to the count, so they pull the mean up and away from where most families are.
The median doesn’t move when the richest get richer; the mean does. That is why the Fed reads a mean that grows faster than the median as a sign that the top of the distribution gained the most. The means here are the Fed’s own, from its October 2026 Bulletin, in 2025 dollars.
- The mean net worth of all US families was $1,241,500 in 2025, up 7% from 2022 after inflation; the median rose only 2%. Source: Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances.
- The mean for families under 35 fell 33% to $135,400, the largest drop of any age group. Source: Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances.
Sources
- Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances
- Survey of Consumer Finances 2025, summary extract public data
- SCF historic tables based on internal data, in 2025 dollars
- Survey of Consumer Finances 2025 codebook
- Survey of Consumer Finances: frequently asked questions
Frequently Asked Questions
What is the average net worth by age in 2025?
Under 35: $135,400. 35–44: $681,900. 45–54: $1,244,500. 55–64: $1,878,000. 65–74: $1,897,600. 75 and over: $1,962,200. All families: $1,241,500. These are means from the Federal Reserve’s 2025 Survey of Consumer Finances, in 2025 dollars.
Should I compare my net worth with the average or the median?
With the median, or better, your percentile. The average is pulled up by a small number of very wealthy families, so most families in every age group are below it. The median is the middle family, and the percentile tells you exactly how many families you are ahead of.
Why is average net worth over $1 million when most families have far less?
Because the top 10% of families hold most of the wealth. The Fed’s report puts the mean for the top tenth of families by net worth at $8,975,200, which lifts the overall average to $1,241,500 even though the median family has $215,900.