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The median net worth of a U.S. household is about $192,900 — but the figure that matters to you is the one for your age. By the Federal Reserve's Survey of Consumer Finances, median household net worth climbs from roughly $39,000 under age 35 to about $409,900 for ages 65–74, as households pay down debt and compound their savings.
Below is the median and average for every age band, what's driving each number, how percentiles really work, and the three mistakes that make most people misread the comparison.
Net worth is everything you own minus everything you owe. These are U.S. household figures from the Federal Reserve's Survey of Consumer Finances — the most authoritative source, refreshed every three years. The 2022 wave is the latest released; the 2025 data publishes later in 2026.
| Age | Median net worth | Average (mean) net worth |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
The climb isn't smooth — each decade runs on a different engine:
In every age band the average is 3–5× the median. That gap isn't a rounding quirk — it's wealth concentration. A small number of households with very large balance sheets pull the average up, while the median (the middle household) is untouched by them. For judging whether you're "on track," the median is the honest benchmark; the average mostly measures how skewed the top is.
The median is the 50th percentile — the middle household for your age. Higher percentiles show how far ahead the wealthiest sit, but the exact age-by-age cutoffs vary widely by data source and methodology, which is why benchmark sites rarely agree on them. So the most useful number isn't a contested figure — it's your own: tracking your net worth shows your real percentile and how it moves over time.
Net worth = total assets − total liabilities.
Home equity (not the home's full value) and retirement accounts are the two assets people most often undercount — and the two that compound most over a working life.
Three levers move net worth far more than income does:
If a target is your goal, work out how much you actually need to retire and build a personal balance sheet first — a benchmark only matters relative to where you're trying to go.
A benchmark is only useful if you measure against it. 8FIGURES links your accounts — bank, brokerage, retirement, real estate, crypto and more — into one live net-worth figure, so you watch your position change over time instead of guessing once a year. Track your net worth with 8FIGURES.
Figures are U.S. household data from the Federal Reserve Survey of Consumer Finances (2022, the latest released). Net worth varies widely by region, household composition and circumstance; these benchmarks are general information, not personalized financial advice. 8FIGURES is an SEC-registered investment adviser.
Managing your investments has never been easier!
