Median Net Worth by Age (2025)
The middle family at each age, from the Federal Reserve’s 2025 survey: half have more, half have less. Plus how each median moved since 2022, after inflation.
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
50thpercentile
More net worth than about 50% of families headed by someone aged 45–54.
- $5M or more5%
- $2M–$5M7%
- $1M–$2M11%
- $500K–$1M12%
- $250K–$500KYou14%
- $100K–$250K17%
- $25K–$100K14%
- $0–$25K13%
- Below $06%
- Median, ages 45–54
- $253,700
- Top 10% starts at
- $2.6M
- Among all ages
- 53rd 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 2 worked examples,
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
2 worked examples for this page are 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 45–54 median
The Fed’s median for families aged 45–54 is $253,700. Enter 50 and that amount above and the tool puts it at the 50th percentile: half the families in that group have more and half have less. That median was $270,600 in 2022, in today’s dollars, so it slipped 6% after inflation, while the group’s mean rose 17%.
Median net worth by age, 2022 and 2025
Median net worth in 2025 dollars, by age of the head of the family. Federal Reserve Bulletin, October 2026, Table 2.
| Age | 2022 | 2025 | Change |
|---|---|---|---|
| Under 35 | $42,700 | $33,000 | −23% |
| 35–44 | $148,400 | $155,600 | +5% |
| 45–54 | $270,600 | $253,700 | −6% |
| 55–64 | $398,900 | $411,900 | +3% |
| 65–74 | $448,600 | $431,300 | −4% |
| 75 and over | $367,300 | $504,900 | +37% |
| All families | $211,100 | $215,900 | +2% |
Net worth climbs with age and then levels off. In 2025 the median went from $33,000 under 35 to $155,600 at 35–44, $253,700 at 45–54 and $411,900 at 55–64. For the first time in several surveys the oldest group came out on top: $504,900 at 75 and over, ahead of $431,300 at 65–74.
The young lost the most ground. The under-35 median of $33,000 is down from $42,700 in 2022 (in 2025 dollars), though still well above the $17,600 of 2019. The 2022 figure was unusually high; part of the fall is that peak passing.
Over the longer run, the table below shows how much the 2007–2009 recession set families back. The 35–44 median fell from $138,200 in 2007 to $63,000 in 2010 and took until 2022 to pass its 2007 level. Older families fell less: from 2007 to 2010 the 65–74 median dropped 18% and the 75-and-over median 3%.
Median net worth by age since 1989 (2025 dollars)
| Survey | All | <35 | 35–44 | 45–54 | 55–64 | 65–74 | 75+ |
|---|---|---|---|---|---|---|---|
| 2025 | $216K | $33K | $156K | $254K | $412K | $431K | $505K |
| 2022 | $211K | $43K | $148K | $271K | $399K | $449K | $367K |
| 2019 | $154K | $18K | $116K | $214K | $270K | $338K | $323K |
| 2016 | $131K | $15K | $81K | $168K | $253K | $302K | $357K |
| 2013 | $113K | $14K | $65K | $147K | $231K | $323K | $271K |
| 2010 | $116K | $14K | $63K | $176K | $268K | $309K | $324K |
| 2007 | $189K | $19K | $138K | $290K | $398K | $375K | $334K |
| 2004 | $160K | $24K | $119K | $250K | $433K | $327K | $281K |
| 2001 | $159K | $21K | $142K | $247K | $340K | $326K | $285K |
| 1998 | $143K | $18K | $127K | $211K | $255K | $292K | $251K |
Show all 13 rowsShow fewer
| 1995 | $123K | $25K | $111K | $201K | $245K | $235K | $197K |
| 1992 | $112K | $21K | $101K | $177K | $259K | $224K | $197K |
| 1989 | $118K | $20K | $142K | $249K | $247K | $194K | $183K |
What the median is, and where these figures come from
The median is the middle family: line up every family in an age group from least to most net worth, and the median is the one in the middle. It ignores how rich the richest are, which is why it is the best single answer to “what does a typical family have?”.
The medians on this page are the Federal Reserve’s own, from its October 2026 Bulletin on the 2025 survey and its historic tables, all in 2025 dollars so the years compare after inflation. The Fed works them out from its internal data. Our percentile tool works from the public file, which the Fed alters slightly to protect the people who answered, so its medians differ from these by less than 1%.
- The median for all families rose 2% after inflation between 2022 and 2025, to $215,900. Source: Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances.
- Families under 35 saw their median fall 23%, to $33,000, which the Fed puts down mainly to business equity gains made between 2019 and 2022 unwinding. Source: Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances.
- The median for families 75 and over rose 37% to $504,900, the highest of any age group, driven mainly by retirement accounts. 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 median net worth by age in 2025?
Under 35: $33,000. 35–44: $155,600. 45–54: $253,700. 55–64: $411,900. 65–74: $431,300. 75 and over: $504,900. All families: $215,900. These are the Federal Reserve’s figures from the 2025 Survey of Consumer Finances.
Why did median net worth fall for people under 35?
The Fed’s report says the decline is mainly the unwinding of business equity gains young families made between 2019 and 2022. The under-35 median went from $42,700 to $33,000 in 2025 dollars, a 23% fall, but it remains above every survey before 2022.
Is the median the same as the 50th percentile?
Yes. The median is the 50th percentile: the point with half the families below it. Our tool’s 50th percentile comes from the public data file and can differ from the Fed’s published median by up to about 1%, because the public file is altered slightly for privacy.
Are these numbers adjusted for inflation?
Yes. Every year on this page is in 2025 dollars, using the inflation index the Fed uses for the survey (the current-methods consumer price index), so a fall means families could buy less with their net worth, not just that prices changed.