What is the average net worth by age?

The average net worth in the U.S. will differ wildly, mainly by race, even when accounting for age. However, when accounting for those factors, the range goes from $39,040 for those under 35 years old, all the way to over $330,000 for those 75 years old and older.

What factors affect average net worth by age?

There are several factors that affect net worth by age. Level of education, levels of generational wealth, race, and location/economic opportunities all affect net worth by age.

What is the median net worth by age?

The median net worth by age in the U.S. is roughly $300,000. However, this doesn't account for the more lopsided distribution of wealth in the country.

Average Net Worth by Age, Education, and Race

Plus how net worth breaks down by education and race.

By Jack Caporal – Updated Oct 12, 2026 at 1:59 PM EST | Fact-checked by Parker Hicks

Key Points

The median U.S. net worth in 2025 was $216,100, a 2.5% increase from 2022, far smaller than the 37% jump between 2019 and 2022.
Americans aged 75 and older had the highest median net worth at $504,600 in 2025, roughly 15 times the $32,820 median for Americans under 35.
Asian Americans had the highest median net worth by race in 2025 at $677,400; Black Americans had the lowest at $36,420, Federal Reserve data shows.

The average net worth of an American is roughly $216,100, but looking at the average net worth by age, education, and race reveals a more complex picture.

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That's according to data collected in 2025 and published in 2026 by the Federal Reserve. This is the most recent data available.

Unsurprisingly, older Americans tend to have a higher net worth -- also known simply as "wealth" -- than younger Americans. Those with a college degree also have a significantly higher net worth than those without one.

Net worth is also heavily stratified by race. The median net worth of white Americans is roughly nine times higher than that of Black Americans and about four times higher than that of Hispanic Americans.

Net worth is the value of assets you control minus your liabilities. The former includes anything that can be turned into cash, such as your house, other real estate, car, investments, and bank accounts. The latter includes outstanding obligations, such as loans, mortgages, and credit card debt.

Understanding your wealth and how it compares to the average net worth can provide a clearer picture of your financial well-being and identify areas that may benefit from improvement. It can also be a big help when you're figuring out how much money you need to retire.

Average net worth by age

In 2025, the median net worth of Americans younger than 35 was $32,820, while the median net worth of Americans aged 75 and older was $504,600.

Americans aged 65 to 74 had a median wealth of 13.2 times that of those younger than 35, and those 75 and older had 15.4 times as much.

The average American's net worth picks up after age 35. Americans between 35 and 44 years old had a median net worth of $156,000, nearly five times that of those younger than 35.

The jump in net worth from Americans aged 45 to 54 to those aged 55 to 64 ($156,670) is larger than the jump from those aged 35 to 44 to those aged 45 to 54 ($98,670). Americans aged 45 to 54 had a median net worth of $254,670, and Americans aged 55 to 64 had a median net worth of $411,340.

Americans aged 45 to 54 had a median net worth of $246,700, and Americans aged 55 to 64 had a median net worth of $364,270.

Americans aged 75 and older had the highest median net worth at $504,600. Americans aged 65 to 74 had a median net worth of $431,900, about $20,560 more than those aged 55 to 64. Compared with 2022, the median for Americans 75 and older is up 38% after inflation, while the median for those aged 65 to 74 is down 4%.

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Data source: Federal Reserve (2026). Values are 2025 dollars.
Age Group	Median Net Worth (2025)
Younger than 35	$32,820
35-44	$156,000
45-54	$254,670
55-64	$411,340
65-74	$431,900
75 or older	$504,600

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The average American's net worth: $192,700

The median net worth of Americans in 2025 was $216,100, according to the Federal Reserve.

That's a $5,210 increase from 2022, roughly 2.5%. It follows a 37% jump between 2019 and 2022, the largest recorded since the Fed began collecting this data in 1989, and leaves the median at the highest level in the survey after adjusting for inflation. (Data is in 2025 dollars.)

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Data source: Federal Reserve (2026). All values are in 2025 dollars.
Year	Median Net Worth
2025	$216,100
2022	$210,890
2019	$154,470
2016	$131,320
2013	$113,390
2010	$115,090
2007	$189,490
2004	$160,090
2001	$158,910
1998	$143,070
1995	$122,430
1992	$112,700
1989	$118,740

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Average net worth by percentile

Federal Reserve Survey of Consumer Finances data from 2025 shows the bottom quarter of U.S. households by net worth had a median net worth of $1,690, while households in the 90th percentile and above had a median net worth of $4.927 million.

Net worth by percentile — median

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Data Source: Federal Reserve (2026). All values are 2025 dollars.
Percentile group	1989	1998	2007	2013	2019	2022	2025
Less than 25th	$280	$1,000	$2,050	$0	$390	$3,800	$1,690
25th–49.9th	$52,990	$65,530	$84,900	$43,680	$73,070	$102,210	$100,500
50th–74.9th	$220,270	$240,970	$345,460	$234,340	$284,420	$390,580	$405,820
75th–89.9th	$534,030	$620,430	$896,100	$703,560	$828,530	$1,134,100	$1,265,740
90th–100th	$1,743,520	$1,796,470	$2,971,120	$2,607,070	$3,296,350	$4,153,170	$4,926,500

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The gap between median and mean is most pronounced at the top. In 2025, the top decile had a median net worth of $4.927 million but a mean of $8.875 million, reflecting the concentration of extreme wealth within that group.

Net worth by percentile — mean

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Data Source: Federal Reserve (2026). All values are 2025 dollars.
Percentile group	1989	1998	2007	2013	2019	2022	2025
Less than 25th	-$1,370	-$3,690	-$3,300	-$18,060	-$17,300	-$6,180	-$3,930
25th–49.9th	$58,410	$71,770	$91,030	$49,960	$73,810	$108,170	$109,090
50th–74.9th	$226,370	$256,810	$356,660	$247,550	$299,750	$409,060	$432,370
75th–89.9th	$574,550	$643,910	$920,780	$760,910	$892,550	$1,206,830	$1,397,200
90th–100th	$3,202,750	$3,880,020	$6,224,760	$5,519,500	$7,244,070	$8,504,590	$8,875,480

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Net worth in the bottom quartile remained near zero from 2013 through 2019, rose to $3,800 in 2022, a period that included pandemic-era asset price appreciation and stimulus, then fell back to $1,690 in 2025. The 90th-plus percentile group saw median net worth increase 19% from 2022 to 2025, from $4.153 million to $4.927 million, the largest dollar-value gain of any group over that period. Median net worth fell for the bottom half of households and rose for the top half.

The wealthiest 1% of American families held 32% of all net worth in 2025, according to the Federal Reserve, and the wealthiest 10% held about 75%. The top 1% of earners received 19% of all income.

Average net worth by education

In 2025, the median net worth of Americans with a college degree was $505,030. Meanwhile, the median net worth of Americans with a high school diploma was $106,710, or about a fifth of the net worth of those with a college degree.

Americans with no high school diploma had a median net worth of $18,700 in 2025.

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Data source: Federal Reserve (2026). All values are 2025 dollars.
Education	Median Net Worth (2025)
No high school diploma	$18,700
High school diploma	$106,710
Some college	$181,500
College degree	$505,030

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Adjusted for inflation, the median wealth of Americans with a college degree is about where it was in 2007 ($507,720 then, $505,030 in 2025). The median for those with a high school diploma is 15% lower than in 2007, and for those with no high school diploma it is 64% lower. Americans with some college are the exception, at 19% above 2007.Average net worth by race

Average net worth by race

In 2025, the median net worth of white Americans was $332,120. The median net worth of Black Americans and Hispanic Americans was more than $250,000 less than that.

The median net worth of Black Americans in 2025 was $36,420, and the median wealth of Hispanic Americans was $79,900.

These figures parallel those of average household income and asset ownership -- white households earn more and are more likely to own a home or other valuable assets than Black and Hispanic Americans.

Asian families had the highest median net worth in 2025 at $677,400, up from $585,930 in 2022 after adjusting for inflation. The Fed began reporting on Asian households in its Survey of Consumer Finances in 2022.

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Data source: Federal Reserve (2026). All values are in 2025 dollars.
Race	Median Net Worth (2025)
White, non-Hispanic	$332,120
Black, non-Hispanic	$36,420
Hispanic	$79,900
Asian	$677,400
Other	$97,530

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How to increase your net worth

Net worth isn't the only way to judge financial well-being, but taking steps to increase your wealth can be beneficial. The more personal capital you have available, the better off you'll be.

Here are a couple of ways you can start to boost your net worth:

Focus on paying off debt: Personal debt can weigh heavily on your net worth and delay other steps that can raise your net worth, like investing. The most important steps toward paying off debt are coming up with a plan and sticking to it. The two most popular ways to pay off debt are the avalanche method and the snowball method.
Raise your income: Learning a new skill or starting a side hustle are ways to boost your income, which helps you pay off debt, save, and invest. Increasing your monthly income is a great way to increase your household net worth, and it can boost your Social Security payment in retirement.
Open a retirement account: Retirement savings are a great way to effectively boost your wealth without accruing a large tax burden. 401(k)s, Roth IRAs, and other retirement accounts can help increase your wealth significantly over the course of a couple of decades.
Start investing: Once you've built up an emergency fund in your savings account, investing is the next step to growing your wealth. Investing is a reliable way to build wealth over time, but it's important to stay patient and hold your investments even through market drops and volatility.

FAQs

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Sources

Federal Reserve (2026). "Survey of Consumer Finances."

About the Author

Jack Caporal is the Research Director for The Motley Fool and Motley Fool Money. Jack leads efforts to identify and analyze trends shaping investing and personal financial decisions across the United States. His research has appeared in thousands of media outlets including Harvard Business Review, The New York Times, Bloomberg, and CNBC, and has been cited in congressional testimony. He previously covered business and economic trends as a reporter and policy analyst in Washington, D.C. He serves as Chair of the Trade Policy Committee at the World Trade Center in Denver, Colorado. He holds a B.A. degree in International Relations with a concentration in International Economics from Michigan State University.

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Average and Median Net Worth by Age

Plus how net worth breaks down by education and race.

Key Points

Average net worth by age

The average American's net worth: $192,700

Want to increase your net worth?