Net worth by age in the U.S., 2025
Percentiles from the Fed's 2025 survey, method shown, CSV included. Want to place your own number? Try the calculator; it runs in your browser.
Data checked Oct 31, 2026
Net worth percentiles by age, 2025
| Age | 10th | 25th | Median | 75th | 90th | 99th | Mean |
|---|---|---|---|---|---|---|---|
| Under 35 | $11,500 owed (net) | $3,100 | $33,000 | $146,700 | $350,600 | $1,606,200 | $135,400 |
| 35–44 | $800 owed (net) | $17,600 | $155,600 | $469,600 | $1,229,400 | $8,327,500 | $681,900 |
| 45–54 | $1,900 | $54,700 | $253,700 | $939,700 | $2,584,300 | $14,562,600 | $1,244,500 |
| 55–64 | $1,800 | $72,600 | $411,900 | $1,400,400 | $3,412,500 | $20,495,800 | $1,878,000 |
| 65–74 | $6,300 | $117,600 | $431,300 | $1,320,800 | $3,603,900 | $20,531,500 | $1,897,600 |
| 75 and older | $9,000 | $145,300 | $504,900 | $1,422,600 | $4,143,900 | $20,368,700 | $1,962,200 |
| All families | $200 | $27,800 | $215,900 | $812,500 | $2,550,300 | $16,463,300 | $1,241,500 |
2025 dollars. The median and mean are the Fed's printed figures. The other percentiles are computed from the Fed's public data file, rounded to the nearest $100 (the Fed's own figures differ slightly; see Checking against the Fed). “Owed (net)” means the family owed more than it owned. All 21 percentile points, from the 1st to the 99th, are in the CSV.
Change since 2022
The Fed's own published figures, with 2022 adjusted for inflation to 2025 dollars.
| Age | Median 2022 | Median 2025 | Median change | Mean 2022 | Mean 2025 | Mean change |
|---|---|---|---|---|---|---|
| Under 35 | $42,700 | $33,000 | −23% | $200,800 | $135,400 | −33% |
| 35–44 | $148,400 | $155,600 | +5% | $601,500 | $681,900 | +13% |
| 45–54 | $270,600 | $253,700 | −6% | $1,067,900 | $1,244,500 | +17% |
| 55–64 | $398,900 | $411,900 | +3% | $1,714,700 | $1,878,000 | +10% |
| 65–74 | $448,600 | $431,300 | −4% | $1,963,900 | $1,897,600 | −3% |
| 75 and older | $367,300 | $504,900 | +37% | $1,777,400 | $1,962,200 | +10% |
| All families | $211,100 | $215,900 | +2% | $1,164,100 | $1,241,500 | +7% |
Source: the Fed's report, Table 2 (thousands of 2025 dollars, shown here in dollars). Changes are as the Fed printed them. Each survey is a new sample of families, so a change compares age groups across surveys, not the same families over time.
Method
The data is the 2025 Survey of Consumer Finances's public summary extract (SCFP2025), released by the Federal Reserve Board on Oct 9, 2026. It holds 4,360 of the 4,367 families the survey interviewed.
- Net worth is the survey's own measure: everything a family owns (including homes, vehicles, businesses and retirement accounts) minus everything it owes.
- Families, not individuals: a family is a person or a couple plus anyone who shares their money. Age is the age of the family's reference person, the Fed's term for roughly the head of the household.
- The survey fills in missing answers five times (“implicates”) and gives each family a weight. We compute each percentile with the weights on every implicate separately, then average the five, the standard way to combine them.
- We compute 21 percentile points from the 1st to the 99th (the 1st, 5th, 10th and every 5th up to the 95th, then the 99th) and round each to the nearest $100. The calculator draws a straight line between neighbouring points and rounds to a whole percentile. Below the 1st or above the 99th it says so, because the survey has too few families there to say more.
- All amounts are 2025 dollars. The calculator runs on your device; nothing you type is sent, saved or put in the page address.
Checking against the Fed
The Fed's report uses its internal data. The public file leaves out 7 of the 4,367 families and is edited to protect respondents' privacy, so our figures differ slightly. Every median and mean we computed is within 2% of the Fed's printed figure. Where a page states the median or mean, it uses the Fed's figure.
| Age | Fed median | Our median | Fed mean | Our mean |
|---|---|---|---|---|
| Under 35 | $33,000 | $32,600 | $135,400 | $135,700 |
| 35–44 | $155,600 | $154,800 | $681,900 | $669,300 |
| 45–54 | $253,700 | $251,600 | $1,244,500 | $1,243,600 |
| 55–64 | $411,900 | $411,500 | $1,878,000 | $1,871,000 |
| 65–74 | $431,300 | $429,800 | $1,897,600 | $1,870,900 |
| 75 and older | $504,900 | $511,400 | $1,962,200 | $1,949,700 |
| All families | $215,900 | $215,900 | $1,241,500 | $1,232,000 |
Limits
The survey is a sample, so every figure is an estimate with a margin of error, widest at the very top and bottom. It describes 2025; the next survey's results are expected in a few years. A percentile is a comparison, not a goal, and this page isn't financial advice.
Sources
- Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances, Federal Reserve Board, Oct 9, 2026: Table 2 and Table A.2.
- Summary Extract Public Data, SCFP2025 (CSV), from the Survey of Consumer Finances page.
- Our results: net-worth-by-age-scf-2025.csv (all 21 percentile points from the 1st to the 99th, the means we computed, and the Fed's published 2022 and 2025 medians and means), in 2025 dollars.
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