AnswerAt age 32 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 32 on $150k?
Median net worth for US households age 32 earning $150k is $113,000; top 10% starts at $403,000. Computed from the Federal Reserve's 2025 Survey of Consumer Finances.
Two years past 30 at $150,000, the median net worth in this cell is $113,000, about 0.8x of annual income, with the 75th percentile at $267,000 and the 90th at $403,000. The 2x-income-by-35 rule of thumb would be $300,000, which lands between the 75th and 90th percentiles. Most households at this income are behind it.
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 32, $150k
The step from 30 to 32 often brings a first promotion to senior individual contributor or first-line manager, along with a larger paycheck. Households that direct the extra pay to retirement accounts and investments, rather than housing and vehicles, tend to move up the distribution faster than those whose spending rises with income. The median of $113,000 is a reminder that even at $150,000 the 2x-by-35 milestone is reached by a minority. At a 7 percent real return, $2,000 a month for three years adds about $80,000, which shows how much saving it takes to close the gap.
First-home decisions often come together around 32, as savings, family size, and mortgage rates interact. Buying converts savings into equity and can move a household up the distribution, but it also ties up cash that would otherwise go to retirement. The cell compares all households under 35, so a 32-year-old sits on the older side, and the $267,000 at the 75th percentile and $403,000 at the 90th are benchmarks for households that began saving early rather than predictions for any one family.
Two partners earning about $75,000 each face different choices from one earning $150,000. Coordinating 401(k) contributions, health-plan and HSA choices, dependent-care accounts, and which partner carries the family health coverage can add up to meaningful tax savings each year, though the amount depends on the household and state. The 25th percentile of $47,000 is a reminder that income at this level does not guarantee savings; it makes saving possible.
Benchmarks for age 32, $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 a dependent-care FSA better than the child care tax credit?
At this income the pre-tax savings from a dependent-care FSA usually exceed the credit, which is a percentage of expenses that shrinks as income rises. FSA dollars also reduce the expenses the credit can cover, so compare both on your own return, and remember that FSA funds are use-it-or-lose-it.
How should a dual-income couple coordinate employer benefits?
Compare the two health plans, then decide which partner carries family coverage and whether an HSA-eligible plan makes sense. Align 401(k) contributions to capture both matches, and use each partner's dependent-care or flexible-spending options. A short review at each open-enrollment period often turns up savings.
Does a 529 plan offer a state tax deduction?
Many states offer an income-tax deduction or credit for contributions to their own 529 plan, with caps that vary widely, and some extend it to any plan. The value depends on your state tax rate, so check your state's rules before choosing a plan, and compare investment fees too.
Is a rental property worth it at this stage?
Gross rental yields look attractive, but net returns depend on management, maintenance, vacancy, taxes, insurance, and financing costs, and a rental concentrates risk in one asset and market. For households with stable salaries, index funds often deliver comparable long-run returns without tenant calls, so run the numbers carefully.
Should we open custodial accounts for our children?
Custodial accounts transfer control to the child at the age set by state law, commonly 18 or 21, which some families regret. A 529 plan keeps control with the parent for education costs, and a Roth IRA for a child with earned income can be a longer-term option.
How much cash should we hold at this income?
Many planners suggest three to six months of essential expenses in an insured savings or money market account, and more if income is variable or concentrated in one job. Holding much beyond that can cost you investment growth, while holding too little can force sales of investments at a bad time.
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.