Net worth by age

age
$
Typical at your age
$300k

the median for 45–54 in the United States; yours is 1.0× it

Ahead of6 in 10 your age
To reach typicalalready past it
You, $300kpeak: 65–74304050607080$300kpeak: 65–74305070

Median household net worth by age in the United States (Fed SCF, 2022, indexed to 2026). The line joins the six measured bands; the dot is you.

In the United States household net worth peaks in the 65–74 band at $498k. The Under 35 band sits at $47.4k.

Why the average flatters every age group

At 45 in the United States the typical household holds $300k; the average there is $1.2m, pulled up by a few large fortunes. Yours, $300k, is 1.0× the typical for your band.

65–74the peak decade of household wealth in the United States
3.9×how far the average sits above the typical in your band

The ladder by age

Median and average household net worth for each band in the United States (Fed SCF, 2022, indexed to 2026). Your band is marked.

Age bandTypical (median)Average (mean)
Under 35$47.4k$223k
35–44$164k$666k
45–54$300k$1.2m
55–64$442k$1.9m
65–74$498k$2.2m
75+$407k$2.0m

Questions people ask

What is the average net worth for my age?
In the United States the typical (median) household headed by someone 35 to 44 holds $299,652 (Fed SCF, 2022); the average for the same band is $1,179,698, pulled up by a few very large fortunes. This page answers the same question for 23 countries, each from its own national wealth survey.
Should I compare myself to the median or the average?
The median. It is the household in the middle: half hold more, half hold less. The average sits above the median in every band this page measures, because a small number of very large fortunes pull it up without making anyone else richer.
Is this individual or household net worth?
Household, by the age of its reference person, because that is what the surveys measure. A couple counts once, so a two-earner household is compared against other households, not against individuals.
Which countries are covered, and why only 23?
The United States (Fed Survey of Consumer Finances) and the 22 EU countries of the ECB Household Finance and Consumption Survey. Age-banded wealth requires a dedicated wealth survey, and most countries do not run one; this page only publishes what was actually measured.
How current are the figures?
US figures come from the 2022 SCF and EU figures from the HFCS 2021 wave, both carried wave in 2021 euro. Wealth distributions move slowly, and both surveys run on roughly three-year cycles, so these are the latest measured points.

Method and sources

  • Federal Reserve Survey of Consumer Finances 2022Summary extract public microdata, weighted household figures
  • ECB Household Finance and Consumption Survey, 2021 waveStatistical tables v4.0 (July 2023), tables A3/A4
The computation

US band medians and means are computed from the Fed SCF 2022 summary-extract microdata (weighted, five implicates pooled) and asserted against the published Fed Bulletin medians on every build. EU figures come from the ECB HFCS 2021-wave statistical tables (net wealth by age of reference person, tables A3 and A4), verified against the source workbook cell by cell.

What these figures do not cover
  • Household figures by the age of the household's reference person, not individual wealth.
  • Each country is shown in its own survey currency and year (2022 dollars, 2021 euro); the page never ranks countries across currencies.
  • Czech and Hungarian figures are reported by the ECB in euro.
  • The line joins six measured band medians; between the dots it is drawn for the eye, not measured.
  • A band median says where the middle of your age group sits, not your exact rank; for a percentile, the net worth percentile tool is the right instrument.

Last updated July 2026.

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