AnswerAt age 30 with $100k income, the median US net worth is $54,000. The 75th percentile is $175,000. You can see where you rank below.
Median: $54,000 · 75th percentile: $175,000
Source: Federal Reserve Survey of Consumer Finances, 2022 data (released Sept 2023)
Am I behind at age 30 on $100k?
Median net worth for US households age 30 earning $100k is $54,000; top 10% starts at $410,000. Sourced from the Federal Reserve's 2022 Survey of Consumer Finances.
Six-figure earners at thirty land at a $54,000 median net worth, with the 75th percentile at $175,000 and the 90th at $410,000. The wide spread reflects whether the prior eight years funneled raises into 401(k) compounding or into lifestyle inflation around housing, dining, and vehicles.
Your numbers
Used to pick your SCF age bracket (Under 35).
Your SCF income tier: $100,000 – $200,000. Use gross household income, not take-home.
Total assets minus total liabilities. Negative values are allowed.
- 25th percentile
- $32,000
- Median (50th)
- $157,000
- 75th percentile
- $440,000
- Top 10% (90th)
- $890,000
- Top 1% (99th)
- $2,800,000
Your ranking
How this number is calculated
We look up your age and income in the Federal Reserve's 2022 Survey of Consumer Finances (the most recent SCF, released Sept 2023), then interpolate your position between published 25th/50th/75th/90th/99th percentile breakpoints for that age×income cell. Figures are nominal 2022 USD. 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 30, $100k
The $100,000 band at thirty captures mid-tier software engineers outside FAANG, marketing managers at established firms, registered nurses in high-cost metros, mid-cost-city accountants moving toward their CPA, and senior project managers in non-tech industries. The "1x salary by 30" rule of thumb implies a $100,000 net worth, which falls between this band's 50th and 75th percentile, indicating that achieving the benchmark places someone solidly in the upper half but not at the top.
The behavioral fork at this income is well-documented in retirement-plan recordkeeper data. Workers who maxed their 401(k) match from their first job typically clear $80,000 in retirement assets alone by thirty. Those who deferred contributions to "after the wedding" or "after the house" often hold under $20,000 in retirement accounts despite identical gross earnings, which explains the $54,000 to $175,000 jump from 50th to 75th percentile.
Home equity dynamics get more interesting here. With a $100,000 income, conventional financing on a $400,000 home is feasible in mid-cost metros, and three to five years of ownership in a normal market produces $30,000 to $80,000 in equity. The 90th percentile of $410,000 typically reflects a household with both retirement accounts approaching $150,000 and home equity above $200,000, often supplemented by a small taxable brokerage.
Benchmarks for age 30, $100k
Source: Federal Reserve Survey of Consumer Finances, 2022 (released September 2023). Figures in 2022 USD. Your seeded percentile if net worth equals the median for this cell: 29th.
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Frequently asked questions
Should I prioritize maxing my 401(k) or buying a first home?
Capturing the full employer match always comes first since it represents an immediate 50 to 100 percent return. Beyond the match, the choice depends on local rent-versus-buy ratios. Markets where rent exceeds 0.7 percent of purchase price monthly often favor buying.
How does an HSA fit into a $100,000 wealth strategy?
For those on a high-deductible health plan, the HSA is the only triple-tax-advantaged account: deductible contributions, tax-free growth, and tax-free medical withdrawals. Many in this band treat it as a stealth retirement account, paying current medical costs out of pocket and investing the balance.
Is RSU income reliable enough to base a mortgage on?
Most lenders count vested RSU income only after a two-year history at the same employer, and many discount it by 25 to 50 percent for qualifying purposes. Workers who recently joined a public company often need to wait two tax cycles before RSUs help mortgage approval.
How much life insurance do I need with one young child?
A common heuristic is ten times income plus the mortgage balance, which suggests $1.0 to $1.5 million in 20-year term coverage at this stage. Term policies for healthy thirty-year-olds typically run $25 to $45 monthly for that coverage level.
Does a 529 plan make sense before my retirement is fully funded?
Most planners recommend funding retirement to at least the employer match, then any HSA, before opening a 529. Children can borrow for college; retirement cannot be borrowed for. Some states do offer income-tax deductions on 529 contributions that change the math locally.
When does a Backdoor Roth become worth the paperwork?
Single filers above the $146,000 Roth income limit and joint filers above $230,000 lose direct Roth eligibility. At $100,000 single income, the direct Roth still works without the conversion step, which keeps tax filing simpler.
Methodology & data sources
Calculations on this page use published benchmarks from US federal statistical agencies. Percentile breakpoints are interpolated linearly between published cells. Figures are in current-year USD unless noted. Numbers are educational estimates, not personalized financial advice.