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Direct answer: These are the Federal Reserve's newest figures, from the 2025 Survey of Consumer Finances released Oct. 9, 2026; many sites still cite the 2022 survey. Median family net worth: $33,000 under 35, $155,600 at 35–44, $253,700 at 45–54, $411,900 at 55–64, $431,300 at 65–74 and $504,900 at 75+. All families: $215,900 median, $1.24 million mean.
By the numbers: Real median net worth rose 2 percent to $215,900 between the 2022 and 2025 surveys, and mean net worth rose 7 percent to $1.24 million. Source: Federal Reserve Board press release, Oct. 9, 2026
“Families younger than 35 saw median net worth decrease 23 percent to $33,000 and mean net worth fall 33 percent to $135,400.” — Federal Reserve, Changes in U.S. Family Finances from 2022 to 2025
Updated 2026-10-17
From the Fed's 2025 Survey of Consumer Finances (2025 dollars), median and mean: under 35, $33,000 and $135,400; 35–44, $155,600 and $681,900; 45–54, $253,700 and $1,244,500; 55–64, $411,900 and $1,878,000; 65–74, $431,300 and $1,897,600; 75 or older, $504,900 and $1,962,200.
$215,900 in the 2025 survey, up 2% from 2022 after inflation. The mean was $1,241,500 (about $1.24 million), up 7%.
The median is the middle family: half have more, half have less. The mean is the total divided by the number of families, so a relatively small number of very wealthy families pulls it up. For all families the 2025 mean ($1,241,500) was more than five times the median ($215,900).
For families whose reference person was under 35, the Fed reports median net worth fell 23% to $33,000 and the mean fell 33% to $135,400 between 2022 and 2025, in 2025 dollars. The Fed says these declines were primarily driven by the unwinding of business equity gains between 2019 and 2022.
In 2025, the median was $458,900 for homeowners and $10,600 for renters or other non-owners. Means were $1,812,900 and $153,500.
Net worth is a family's gross assets minus its liabilities. Age groups use the family's reference person: the single economically dominant adult, or in a couple the male in a mixed-sex couple or the older person in a same-sex couple.
No. The calculation runs entirely in your browser; the tool doesn't store or send what you enter. It compares what you enter with the Fed's published 2025 medians and means.
Uses the newest Federal Reserve data (SCF 2025, released Oct. 9, 2026) · Updated October 17, 2026
| Age | Average (mean) | Median |
|---|---|---|
| Less than 35 | $135,400 | $33,000 |
| 35–44 | $681,900 | $155,600 |
| 45–54 | $1,244,500 | $253,700 |
| 55–64 | $1,878,000 | $411,900 |
| 65–74 | $1,897,600 | $431,300 |
| 75 or more | $1,962,200 | $504,900 |
| All families | $1,241,500 | $215,900 |
Federal Reserve, 2025 Survey of Consumer Finances (released Oct. 9, 2026), report Table 2; 2025 dollars. The median is the typical family; the average is pulled up by the wealthiest families.
The typical (median) family's net worth rises with age in the Fed's 2025 survey, from $33,000 for families under 35 to $504,900 for families 75 or older. The mean is much higher in every age group.
The math:
Sources: Fed SCF report, Table 2 · Fed press release
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Age of the family's reference person. 2025 dollars; change is 2022 to 2025 after inflation, as published by the Fed.
| Age | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| All families | $215,900 | $1,241,500 | $211,100 | +2% | $1,164,100 | +7% |
| Less than 35 | $33,000 | $135,400 | $42,700 | −23% | $200,800 | −33% |
| 35–44 | $155,600 | $681,900 | $148,400 | +5% | $601,500 | +13% |
| 45–54 | $253,700 | $1,244,500 | $270,600 | −6% | $1,067,900 | +17% |
| 55–64 | $411,900 | $1,878,000 | $398,900 | +3% | $1,714,700 | +10% |
| 65–74 | $431,300 | $1,897,600 | $448,600 | −4% | $1,963,900 | −3% |
| 75 or more | $504,900 | $1,962,200 | $367,300 | +37% | $1,777,400 | +10% |
Source: Fed SCF report, Table 2 · SCF Excel tables. Standard errors for all families: median ±$6,400, mean ±$31,000 (Table 2).
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Net worth = everything you own (cash, retirement and investment accounts, home and vehicle values, business) minus everything you owe (mortgage, car loans, cards, student loans).
The median is the family in the middle: half of families have more, half have less. The mean adds up everyone's net worth and divides by the number of families, so a small number of very wealthy families pulls it up. In 2025 the mean for all families ($1,241,500) was more than five times the median ($215,900). Families in the top 10% by net worth had a median of $4,935,200; the bottom quarter's median was $1,700.
| Percentile of net worth | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| Less than 25 | $1,700 | −$4,300 | $3,800 | −56% | −$5,800 | +26% |
| 25–49.9 | $100,900 | $109,100 | $102,100 | −1% | $108,200 | +1% |
| 50–74.9 | $405,700 | $432,500 | $389,900 | +4% | $408,900 | +6% |
| 75–89.9 | $1,267,500 | $1,397,500 | $1,134,000 | +12% | $1,206,400 | +16% |
| 90–100 | $4,935,200 | $8,975,200 | $4,152,700 | +19% | $8,547,500 | +5% |
| Housing status | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| Owner | $458,900 | $1,812,900 | $433,600 | +6% | $1,675,300 | +8% |
| Renter or other | $10,600 | $153,500 | $11,400 | −7% | $169,600 | −9% |
Families grouped by percentile of usual income.
| Percentile of usual income | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| Less than 20 | $14,400 | $136,800 | $15,300 | −6% | $141,900 | −4% |
| 20–39.9 | $77,100 | $266,800 | $77,700 | −1% | $239,400 | +11% |
| 40–59.9 | $188,200 | $442,600 | $174,400 | +8% | $421,700 | +5% |
| 60–79.9 | $362,500 | $798,200 | $336,100 | +8% | $696,900 | +15% |
| 80–89.9 | $814,600 | $1,441,600 | $817,500 | 0% | $1,384,000 | +4% |
| 90–100 | $3,669,900 | $7,681,900 | $2,797,500 | +31% | $7,255,300 | +6% |
| Education of reference person | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| No high school diploma | $18,600 | $294,300 | $41,600 | −55% | $192,100 | +53% |
| High school diploma | $106,700 | $470,600 | $116,900 | −9% | $452,300 | +4% |
| Some college | $181,000 | $661,200 | $149,300 | +21% | $592,200 | +12% |
| College degree | $505,400 | $2,263,300 | $508,500 | −1% | $2,192,400 | +3% |
| Urbanicity | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| Metropolitan statistical area (MSA) | $231,300 | $1,337,700 | $218,000 | +6% | $1,240,000 | +8% |
| Non-MSA | $150,100 | $577,100 | $160,200 | −6% | $713,700 | −19% |
Grouped by the survey respondent's race or ethnicity, as in the Fed's table.
| Race or ethnicity of respondent | Median 2025 | Mean 2025 | Median 2022 | Median change | Mean 2022 | Mean change |
|---|---|---|---|---|---|---|
| White non-Hispanic | $332,100 | $1,694,700 | $311,900 | +6% | $1,496,200 | +13% |
| Black or African-American non-Hispanic | $36,800 | $242,400 | $49,100 | −25% | $231,400 | +5% |
| Hispanic or Latino | $79,600 | $334,100 | $67,400 | +18% | $248,900 | +34% |
| Other or Multiple Race | $205,000 | $1,029,100 | $145,500 | +41% | $930,000 | +11% |
| Asian | $677,600 | $2,218,100 | $586,600 | +16% | $1,999,300 | +11% |
| Other (non-Asian) or Multiple Race | $97,500 | $519,400 | $68,800 | +42% | $426,200 | +22% |
Source: Fed SCF report, Table 2.
Source: Fed SCF report, Table 2.
Facts only. These are survey statistics, not targets or advice.
Figures are from the Fed's report Table 2. The Fed's Excel tables match except for rounding in a few last digits, and group income by current rather than usual income. Federal Reserve Board information is public domain; VaultRubric is not affiliated with the Federal Reserve.
From the Fed's 2025 Survey of Consumer Finances (2025 dollars), median and mean: under 35, $33,000 and $135,400; 35–44, $155,600 and $681,900; 45–54, $253,700 and $1,244,500; 55–64, $411,900 and $1,878,000; 65–74, $431,300 and $1,897,600; 75 or older, $504,900 and $1,962,200.
$215,900 in the 2025 survey, up 2% from 2022 after inflation. The mean was $1,241,500 (about $1.24 million), up 7%.
The median is the middle family: half have more, half have less. The mean is the total divided by the number of families, so a relatively small number of very wealthy families pulls it up. For all families the 2025 mean ($1,241,500) was more than five times the median ($215,900).
For families whose reference person was under 35, the Fed reports median net worth fell 23% to $33,000 and the mean fell 33% to $135,400 between 2022 and 2025, in 2025 dollars. The Fed says these declines were primarily driven by the unwinding of business equity gains between 2019 and 2022.
In 2025, the median was $458,900 for homeowners and $10,600 for renters or other non-owners. Means were $1,812,900 and $153,500.
Net worth is a family's gross assets minus its liabilities. Age groups use the family's reference person: the single economically dominant adult, or in a couple the male in a mixed-sex couple or the older person in a same-sex couple.
No. The calculation runs entirely in your browser; the tool doesn't store or send what you enter. It compares what you enter with the Fed's published 2025 medians and means.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.
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