AnswerAt age 30 with $150k income, the median US net worth is $157,000. The 75th percentile is $440,000. You can see where you rank below.
Median: $157,000 · 75th percentile: $440,000
Source: Federal Reserve Survey of Consumer Finances, 2022 data (released Sept 2023)
Am I behind at age 30 on $150k?
Median net worth for US households age 30 earning $150k is $157,000; top 10% starts at $890,000. Sourced from the Federal Reserve's 2022 Survey of Consumer Finances.
A $150,000 income at thirty puts a household in the upper-income SCF tier, where the 50th percentile reaches $157,000 and the 75th touches $440,000. Tech leads, senior management consultants, and dual-income mid-professional couples populate this band, where housing leverage and equity compensation usually drive the spread.
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, $150k
Reaching $150,000 by age thirty typically requires either an established tech or finance trajectory, a dual-income household where both partners earn $75,000 to $90,000, or a successful pivot into senior consulting after a graduate program. The 50th percentile of $157,000 roughly matches a hypothetical "1x salary saved" benchmark, suggesting that median performers in this band track conventional retirement-readiness rules of thumb.
The 75th to 90th percentile gap, $440,000 to $890,000, almost always involves real estate. A household that bought in 2018 or 2019 in a mid-sized growth metro and held through the 2021 to 2023 appreciation cycle commonly carries $250,000 to $400,000 in home equity by 2026. Adding $200,000 to $400,000 in retirement and brokerage accounts produces the upper-quartile figures the SCF reports.
Equity compensation reshapes the picture for tech-employed thirty-year-olds. A four-year RSU grant worth $100,000 at hire has often grown to $200,000 to $400,000 in vested value if the grant came from a maturing public company. Households at this income level typically face the most consequential decision of whether to diversify aggressively out of single-stock concentration or hold for further appreciation.
Benchmarks for age 30, $150k
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: 50th.
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Frequently asked questions
How much concentrated stock is too much at thirty?
Most fee-only advisors flag single-stock concentration above 10 to 15 percent of investable net worth as elevated risk. Workers receiving ongoing RSU grants often establish a quarterly auto-sale rule at vest to prevent passive accumulation beyond that threshold.
Should we coordinate dual 401(k) contributions or split priorities?
Most dual-earner households at this income max both employer matches first, then the spouse with the higher tax bracket maxes traditional 401(k) contributions while the other prioritizes Roth or HSA, balancing current and future tax exposure.
Does a megabackdoor Roth meaningfully change retirement outcomes?
If the employer plan allows after-tax contributions plus in-service conversions, the megabackdoor adds up to roughly $46,000 in annual Roth space beyond the standard $23,000 limit. Over a decade this can add $700,000 to $1.0 million in tax-free retirement assets.
What's a defensible first-home budget at $150,000 income?
Conservative lender ratios suggest a purchase price of 3.5 to 4.5 times gross income, or roughly $525,000 to $675,000. Mid-cost metros usually accommodate this comfortably, while VHCOL areas force longer rental periods or smaller starter properties.
Is umbrella liability insurance worth it at this net worth?
Once net worth exceeds roughly $250,000, umbrella policies covering $1 million typically cost $200 to $400 annually and protect the assets above standard auto and home liability limits. Most planners suggest matching umbrella coverage to total investable net worth.
How do parental down-payment gifts affect mortgage approval?
Lenders require a gift letter and usually a paper trail showing the funds seasoned in the recipient's account for 60 days. Gifts above $18,000 per parent per child trigger a federal gift tax filing for the giver, though no tax is typically owed against the lifetime exemption.
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.