AnswerThe median US household has $216,100 in net worth, but the top 10% hold about 72.1% of all of it and the bottom half about 2.1%.
Source: Federal Reserve Survey of Consumer Finances 2025 (released October 9, 2026), household net worth in 2025 dollars
US Net Worth Charts
Three charts of US household net worth: how it climbs by percentile, how the median differs by age and how it changed since 2022, and who holds the wealth.
Net worth by percentile
Each point is the net worth at that percentile of US households. Below the median the curve is shallow; above the 90th percentile it climbs steeply, so wealth at the top is spread over a far wider range of dollars.
Data behind this chart
| Percentile | Net worth |
|---|---|
| 20th | $13,000 |
| 25th | $28,000 |
| 30th | $55,000 |
| 35th | $82,000 |
| 40th | $120,000 |
| 45th | $166,000 |
| 50th | $216,100 |
| 55th | $271,000 |
| 60th | $347,000 |
| 65th | $447,000 |
| 70th | $596,000 |
| 75th | $813,000 |
| 80th | $1,080,000 |
| 85th | $1,490,000 |
| 90th | $2,540,000 |
| 95th | $4,940,000 |
| 99th | $16,270,000 |
Median net worth by age, 2022 vs 2025
Median household net worth for each age group in the 2022 and 2025 surveys, both in 2025 dollars (the Federal Reserve restates the older survey). The under-35 median is lower in 2025 and the 75-and-over median is higher; these are survey estimates with sampling error, and the survey does not say why they moved.
- Under 35-23% after inflation2022$42.7K2025$32.8K
- 35 to 44+5% after inflation2022$148.1K2025$156K
- 45 to 54-6% after inflation2022$270K2025$254.7K
- 55 to 64+3% after inflation2022$398.6K2025$411.3K
- 65 to 74-4% after inflation2022$448.7K2025$431.9K
- 75 and over+38% after inflation2022$366.3K2025$504.6K
The 2025 medians are under 35: $33,000; 35 to 44: $156,000; 45 to 54: $255,000; 55 to 64: $411,000; 65 to 74: $432,000; 75 and over: $505,000.
Who holds the wealth
Share of all household net worth held by each slice of households. Net worth is highly concentrated: the top 1% hold more than the entire 50th to 90th percentile range combined, and the bottom half holds a small sliver.
- Bottom 50%2.1%
- Next 40% (50th to 90th)25.8%
- Next 9% (90th to 99th)40.7%
- Top 1%31.3%
Frequently asked questions
- What does the US net worth distribution look like?
- It is very uneven. The median household has $216,100, the top 10% start at $2,540,000 and the top 1% at $16,270,000. The top 10% of households hold about 72.1% of all net worth and the bottom half about 2.1% (SCF 2025).
- Why is the net worth chart on a log scale?
- Net worth ranges from near zero to tens of millions of dollars. On an ordinary scale the highest percentiles would flatten everything below the 90th percentile into a line along the bottom, so the chart uses a log scale where each gridline is ten times the one below it.
- Did net worth go up or down since 2022?
- Across all households the median rose from $210,890 to $216,100 in 2025 dollars. By age it moved in different directions: the under-35 median is lower and the 75-and-over median is higher in this survey. These are survey estimates with sampling error, and the survey does not say why they moved.
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.
Not financial advice. Charts show estimates from a sample survey and carry sampling error, larger further up the distribution and for small age groups. The survey does not include the wealthiest households on published rich lists. Percentile and share figures are our own calculations from the Federal Reserve SCF 2025public data; the age medians are the Fed's published Table 4 values.