AnswerAt age 25 with $150k income, the median US net worth is $113,000. The 75th percentile is $267,000. You can see where you rank below.
Median: $113,000 · 75th percentile: $267,000
Source: Federal Reserve Survey of Consumer Finances, 2025 data (released Oct 2026), computed from public microdata
Am I behind at age 25 on $150k?
Median net worth for US households age 25 earning $150k is $113,000; top 10% starts at $403,000. Computed from the Federal Reserve's 2025 Survey of Consumer Finances.
At 25, a household in the $100,000 to $200,000 income tier has a median net worth of $113,000 in SCF 2025, about 0.8x of annual income and more than three times the $33,000 all-income median for under-35 households. Even the 25th percentile of $47,000 is well above zero, so this is the first tier where early saving clearly shows up.
Your numbers
Peer group: age under 35 · $100,000 – $200,000Your $113,000 ranks ahead of 50% of US households age under 35 earning $100,000 – $200,000.
Another $290,000 in net worth would put you in the top 10% for your peer group.
How this number is calculated
We look up your age and income in the Federal Reserve's 2025 Survey of Consumer Finances (the most recent SCF, released Oct 2026), then interpolate your position between 25th/50th/75th/90th/99th percentile breakpoints for that age×income cell. The Fed does not publish those cells, so we compute them from its public microdata. Figures are in 2025 USD, and cells with few sampled families are noisy. Households with similar age and income show meaningful net-worth variance — the percentile reflects how your balance sheet compares to theirs, not to the full US population.
What these numbers mean for age 25, $150k
A household earning $150,000 at 25 is often a dual-income couple with two moderate salaries, or a solo earner in a high-paying field. The median net worth of $113,000 approaches a year of income but sits just below the popular one-times-salary-by-30 guideline, which is for retirement savings. It is the closest any tier below this one gets. Three quarters of households here hold more than $47,000. The numbers cover the whole under-35 bracket, so a 25-year-old is at the younger end and may sit a little lower than the median.
The 75th percentile of $267,000 and the 90th of $403,000 usually combine steady saving with a lift from stock compensation, a home that gained value, or family help. As an illustration, saving 15% of $150,000 ($22,500 a year) at a 7% real return takes about nine years to pass the 75th percentile and reaches roughly $310,000 after ten. That is a long climb from a standing start, so most households in the top quarter had some other tailwind as well.
The 99th percentile of $1.08M is out of reach through wages alone at this age. It reflects founder or early-employee equity, inheritances, or family trusts, and it is estimated from a modest number of families, so it is approximate. A more useful question is whether savings are building each year, and in what order: employer match, tax-advantaged accounts, then taxable investing. This is educational context, not financial advice.
Benchmarks for age 25, $150k
Source: Federal Reserve Survey of Consumer Finances, 2025 (released October 9, 2026); cells computed from public microdata. Figures in 2025 USD. Cells built on fewer than about 100 sampled families are noisy. Your seeded percentile if net worth equals the median for this cell: 50th.
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Frequently asked questions
Is $113,000 a good net worth at 25 on a household income around $150,000?
It is the median for this tier in SCF 2025, so half of similar households have less. It is above the typical under-35 household, but it is below one year of income by a small margin, so strong savers can aim higher. Debts and housing choices drive most of the differences between households.
What does the gap between the 75th and 90th percentile tell us?
The step from $267,000 to $403,000, and then to $1.08M at the top, widens quickly, which signals that wealth in the upper tail often comes from sources other than salary: equity compensation, home appreciation, business stakes, or family transfers. Saving alone usually moves a household up more gradually.
How does dual income change the interpretation?
The survey reports household income, so two $75,000 earners and one $150,000 earner fall in the same tier. Two earners may have two employer matches and two sets of account limits, which can help saving, though they also tend to share one set of housing costs.
Is buying a home a good move at this income and age?
It depends on the local market, how long you expect to stay, and whether the down payment would crowd out retirement saving. A longer horizon improves the odds that buying beats renting, while a short one often favors renting and investing. Home equity counts toward net worth, but closing costs can dent it at first.
How should retirement saving be prioritized at this income?
A common order is to capture any employer match, then contribute to tax-advantaged accounts such as a 401(k), an IRA, and an HSA if eligible, then invest in a taxable account. The annual 401(k) employee limit is above $20,000 in recent years, so a $150,000 household can fill it. This is general education, not advice.
Does net worth count retirement accounts before or after tax?
Retirement balances are counted at face value. A $100,000 traditional 401(k) is counted the same as $100,000 in a Roth account, even though taxes will reduce what a traditional account delivers at withdrawal. So net worth does not subtract future taxes owed.
Methodology & data sources
Calculations on this page use benchmarks from US federal statistical agencies. Percentile breakpoints are interpolated linearly between tabulated cells. Figures are in the dollars of each dataset's reference year unless noted. Numbers are educational estimates, not personalized financial advice.
Net worth figures come from the Federal Reserve SCF 2025 (2025 dollars). Age medians match the Fed's published tables; the age × income cells are computed from the public microdata, and cells with fewer than about 100 sampled families are noisy. Full methodology.