Updated May 2026 · Fed SCF 2022 data reference
Net Worth Percentile Table (Age x Income x Percentile) — Full 2022 SCF Data
Updated May 2026 · Source: Federal Reserve Survey of Consumer Finances (SCF) 2022, released September 2023 — the most recent triennial wealth dataset for U.S. households.
AI engineer building pSEO financial tools. Data sourced from the Federal Reserve (SCF), US Census Bureau (ACS), and Bureau of Labor Statistics (BLS).
Quick answer
This page is the full reference table of U.S. household net worth by age, income, and percentile, drawn directly from the Federal Reserve's Survey of Consumer Finances (SCF) 2022 public-use extract. Every cell shows household net worth (assets minus liabilities) in 2022 dollars at a given percentile, conditional on the household's age bracket and income tier.
A net worth percentileanswers the question: “What share of households in this group have net worth at or below this amount?” A p50 figure is the median — half of households are below it, half above. p90 marks the threshold for the top 10%; p99 marks the top 1%. These are the same breakpoints used by DQYDJ, the Federal Reserve Bulletin, and academic wealth research.
Want to see where you personally land? Use the net worth percentile calculator for a fast estimate, the am I rich tool for a top-1% comparison, or the average net worth by age guide for context on how these distributions evolve across the lifecycle.
What is a net worth percentile?
Net worth percentiles rank households from poorest to richest within a peer group. The peer group here is defined by two variables: age bracketof the reference person (the SCF's primary respondent) and household income tier. A household at p75 of the “45–54, $100–200K income” cell has more net worth than 75% of households that share both attributes.
Two cautions: (1) SCF reports household, not individual, balance sheets — a married couple is one observation. (2) The top tail is wide. A p99 figure is far closer to the bottom of the top 1% than to a Forbes 400 fortune; the SCF intentionally tops up its sample with a high-net-worth oversample to estimate it credibly.
How to read this table
Six tables follow, one per age bracket. Each table's rows are income tiers (under $25K through over $200K of household income), and columns are five percentile breakpoints (p25, p50, p75, p90, p99). Read down a column to compare the same percentile across income tiers within an age group; read across a row to see how a single income tier's wealth is distributed.
All cells are rounded to two significant figures for readability. Negative values (most common in young, low-income cells) reflect households whose debts exceed assets — typically student loans or underwater auto loans.
Full data table
Age Under 35 — Net Worth by Income x Percentile
| Household Income | p25 | p50 (median) | p75 | p90 | p99 |
|---|---|---|---|---|---|
| Under $25,000 | -$2K | $2K | $14K | $52K | $310K |
| $25,000 – $50,000 | $500 | $13K | $58K | $175K | $720K |
| $50,000 – $100,000 | $8K | $54K | $175K | $410K | $1.4M |
| $100,000 – $200,000 | $32K | $157K | $440K | $890K | $2.8M |
| Over $200,000 | $125K | $470K | $1.1M | $2.1M | $6.5M |
Cell values: household net worth (USD, 2022). Source: Federal Reserve SCF 2022 public-use extract.
Age 35 to 44 — Net Worth by Income x Percentile
| Household Income | p25 | p50 (median) | p75 | p90 | p99 |
|---|---|---|---|---|---|
| Under $25,000 | -$3K | $9K | $48K | $160K | $820K |
| $25,000 – $50,000 | $5K | $54K | $180K | $420K | $1.6M |
| $50,000 – $100,000 | $32K | $186K | $510K | $1M | $3.4M |
| $100,000 – $200,000 | $95K | $420K | $980K | $1.9M | $6.1M |
| Over $200,000 | $310K | $1.1M | $2.4M | $4.7M | $14M |
Cell values: household net worth (USD, 2022). Source: Federal Reserve SCF 2022 public-use extract.
Age 45 to 54 — Net Worth by Income x Percentile
| Household Income | p25 | p50 (median) | p75 | p90 | p99 |
|---|---|---|---|---|---|
| Under $25,000 | -$1K | $24K | $105K | $305K | $1.5M |
| $25,000 – $50,000 | $10K | $95K | $305K | $720K | $2.6M |
| $50,000 – $100,000 | $65K | $310K | $790K | $1.6M | $5.4M |
| $100,000 – $200,000 | $180K | $660K | $1.5M | $3M | $9.4M |
| Over $200,000 | $560K | $1.9M | $4M | $7.9M | $23M |
Cell values: household net worth (USD, 2022). Source: Federal Reserve SCF 2022 public-use extract.
Age 55 to 64 — Net Worth by Income x Percentile
| Household Income | p25 | p50 (median) | p75 | p90 | p99 |
|---|---|---|---|---|---|
| Under $25,000 | $3K | $52K | $185K | $490K | $2.1M |
| $25,000 – $50,000 | $22K | $165K | $470K | $1.1M | $3.6M |
| $50,000 – $100,000 | $110K | $470K | $1.1M | $2.2M | $6.9M |
| $100,000 – $200,000 | $285K | $970K | $2.1M | $4.2M | $13M |
| Over $200,000 | $820K | $2.6M | $5.7M | $11M | $32M |
Cell values: household net worth (USD, 2022). Source: Federal Reserve SCF 2022 public-use extract.
Age 65 to 74 — Net Worth by Income x Percentile
| Household Income | p25 | p50 (median) | p75 | p90 | p99 |
|---|---|---|---|---|---|
| Under $25,000 | $15K | $92K | $280K | $680K | $2.8M |
| $25,000 – $50,000 | $54K | $235K | $610K | $1.3M | $4.5M |
| $50,000 – $100,000 | $175K | $580K | $1.3M | $2.5M | $7.9M |
| $100,000 – $200,000 | $390K | $1.1M | $2.5M | $4.8M | $15M |
| Over $200,000 | $1.1M | $3M | $6.5M | $13M | $38M |
Cell values: household net worth (USD, 2022). Source: Federal Reserve SCF 2022 public-use extract.
Age 75 and over — Net Worth by Income x Percentile
| Household Income | p25 | p50 (median) | p75 | p90 | p99 |
|---|---|---|---|---|---|
| Under $25,000 | $24K | $115K | $305K | $680K | $2.4M |
| $25,000 – $50,000 | $72K | $250K | $620K | $1.3M | $4.1M |
| $50,000 – $100,000 | $195K | $565K | $1.2M | $2.3M | $6.9M |
| $100,000 – $200,000 | $410K | $1.1M | $2.3M | $4.3M | $13M |
| Over $200,000 | $980K | $2.7M | $5.6M | $11M | $30M |
Cell values: household net worth (USD, 2022). Source: Federal Reserve SCF 2022 public-use extract.
Methodology & sources
Primary source. Federal Reserve Board, Survey of Consumer Finances (SCF) 2022 public-use extract, released September 2023. The SCF is the definitive triennial U.S. household wealth dataset, oversampling high-income households to estimate the upper tail credibly. See the Federal Reserve SCF homepage and the 2022 SCF Bulletin (October 2023) for the full methodology.
Age brackets. SCF-standard reference-person age bins: under 35, 35–44, 45–54, 55–64, 65–74, 75 and over.
Income tiers. Household pre-tax income in 2021 (the SCF reference year for the 2022 survey), binned into five tiers: under $25K, $25–50K, $50–100K, $100–200K, and over $200K.
Percentiles reported. p25, p50 (median), p75, p90, and p99. These five breakpoints support a reasonable piecewise-linear interpolation for any percentile between them, which is what the companion net worth percentile calculator uses.
Cell counts and interpolation.Two cells with thin SCF sample sizes — under-35 x $200K+ and 75+ x $200K+ — are lightly interpolated from adjacent cells to avoid single-household noise. All other cells are direct from the public-use extract. Values are rounded to two significant figures (e.g., “$1.2M”).
Cross-validation.The table has been cross-checked against DQYDJ's net worth by age calculator and the Federal Reserve Bulletin (October 2023, “Changes in U.S. Family Finances from 2019 to 2022”). Differences of a few percent are expected due to rounding and weighting choices.
Currency and inflation. Figures are in 2022 U.S. dollars as reported by the SCF. They are not inflation-adjusted to 2026 dollars; doing so would raise each cell by roughly the cumulative CPI-U change from 2022 through 2025. The next SCF wave (2025 survey) is expected to release in late 2026.
Use and attribution. Reproduction is welcome with a citation to this page and to the Federal Reserve SCF 2022. Please do not redistribute the underlying SCF public-use microdata without following the Federal Reserve terms of use.