AnswerAt age 30 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 30 on $150k?
Median net worth for US households age 30 earning $150k is $113,000; top 10% starts at $403,000. Computed from the Federal Reserve's 2025 Survey of Consumer Finances.
At $150,000 a year, a household at 30 has a median net worth of $113,000, about 0.8x of income. This is the first income tier here where the median approaches the 1x-by-30 rule of thumb, though it still falls short: the 75th percentile of $267,000 clears $150,000 and the 25th percentile of $47,000 does not. Figures cover all households under 35 in SCF 2025.
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 30, $150k
Reaching $150,000 by 30 usually means an established tech, finance, or consulting path, or a dual-income household in which each partner earns around $75,000. The cell is compared with the whole under-35 group, where a 30-year-old sits above the youngest members. The median of $113,000 is more than three times the $33,000 median for all under-35 households, yet it is still below the $150,000 rule-of-thumb milestone. Meeting that milestone puts a household above the median and below the 75th percentile, which is a good result but not an outlier.
The distance from $267,000 at the 75th percentile to $403,000 at the 90th and $1.08M at the 99th is where assets other than savings tend to appear: home equity, vested stock compensation, or a partner's retirement accounts. At the other end, a quarter of households hold $47,000 or less, which can reflect student debt, a recent career change, or a home purchase that used up savings. Income at this level makes saving possible, but the wide spread suggests that timing, debt, and housing choices matter at least as much.
Equity compensation changes the picture for many tech and finance workers. Vested shares can add substantially to net worth, but they also tie it to the same employer that pays the salary. Advisors commonly suggest selling vested shares on a schedule rather than letting one stock grow into a large share of investable assets. A 401(k) and HSA come first for most households, and a single filer at this income is near the start of the Roth IRA income phase-out, so many compare traditional and Roth options.
Benchmarks for age 30, $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 $150,000 a good net worth at 30 on a $150,000 income?
It is above the median of $113,000 for this cell and below the 75th percentile of $267,000, so it is a solid result but not an outlier. Most households at this income are still short of the 1x rule of thumb at 30, so being behind it is common rather than a sign of failure.
How much of my net worth should be in one company's stock?
Many fee-only advisors treat a single stock above roughly 10 to 15 percent of investable assets as elevated risk, especially when it is also your employer. Workers who receive regular RSU grants often set a rule to sell a portion at each vest so that concentration does not build up passively.
How should two earners split 401(k) contributions?
Most couples start by capturing both employer matches. After that, some direct more into traditional contributions for the partner in the higher tax bracket and use Roth or HSA contributions for the other, balancing tax today against tax later. The best split depends on plan fees, taxes, and cash flow.
Can I contribute directly to a Roth IRA at $150,000?
A single filer at this income is at or near the start of the Roth IRA phase-out range, which sits in the $150,000s and shifts slightly each year, so a direct contribution may be reduced or unavailable. Joint filers have higher limits. Check current IRS limits, and ask about backdoor Roth rules if you exceed them.
What is a reasonable first-home budget at $150,000?
Lenders focus on debt-to-income ratios rather than a single multiple, and a common rule of thumb is roughly three to four times gross income. Mortgage rates, property taxes, existing debts, and the down payment move that figure a lot, and high-cost metros often require a smaller home or a longer saving period.
When does paying for a financial advisor make sense?
Flat-fee or hourly planners are usually more economical than percentage-of-assets advisors at this stage, and they become more useful when taxes get complicated by RSU vesting, option exercises, or rental property. Before hiring anyone, ask how they are paid and whether they act as a fiduciary.
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.