How much wealth puts you in the top 10%, the top 1%, or simply above average? The answer depends almost entirely on your age. These tables use the Federal Reserve's Survey of Consumer Finances, broken into thirteen age bands.
Household net worth thresholds across every US household, regardless of age.
| Percentile | Net worth | What it means |
|---|---|---|
| 25th | $27,100 | Three in four households have more |
| 50th (median) | $192,900 | The exact middle of the country |
| 75th | $658,900 | Top quarter of households |
| 90th | $1,940,000 | Top 10% |
| 95th | $3,779,600 | Top 5% |
| 99th | $13,666,778 | Top 1% |
Mean US household net worth is $1,063,700 — over five times the median of $192,900. That gap is the clearest single statistic about wealth concentration in the United States, and it's why the median is the more useful benchmark for almost everyone.
Thirteen five-year bands. Each cell is the net worth needed to reach that percentile within that age group.
| Age | 25th | Median | 75th | Top 10% | Top 5% | Top 1% |
|---|---|---|---|---|---|---|
| 18–24 | $88 | $10,222 | $33,898 | $184,516 | $421,700 | $653,224 |
| 25–29 | $3,784 | $31,470 | $130,606 | $296,830 | $410,060 | $2,121,910 |
| 30–34 | $11,016 | $88,631 | $186,140 | $538,750 | $796,256 | $2,636,882 |
| 35–39 | $16,548 | $138,588 | $389,432 | $864,340 | $1,482,170 | $4,741,320 |
| 40–44 | $23,812 | $134,382 | $436,892 | $1,182,580 | $1,971,456 | $7,835,420 |
| 45–49 | $47,668 | $213,586 | $680,298 | $1,428,714 | $2,790,132 | $8,701,500 |
| 50–54 | $54,414 | $266,140 | $913,012 | $2,576,540 | $4,419,488 | $13,231,940 |
| 55–59 | $84,977 | $321,074 | $1,137,318 | $2,672,160 | $6,049,934 | $15,371,684 |
| 60–64 | $80,372 | $392,860 | $1,131,122 | $3,042,280 | $6,366,204 | $17,869,960 |
| 65–69 | $68,972 | $393,480 | $1,154,552 | $2,961,060 | $6,865,468 | $22,102,660 |
| 70–74 | $124,757 | $438,700 | $1,234,946 | $2,999,396 | $6,197,642 | $18,761,580 |
| 75–79 | $89,504 | $338,180 | $991,520 | $2,914,188 | $5,844,534 | $19,868,894 |
| 80+ | $95,230 | $327,200 | $944,334 | $2,540,500 | $5,461,280 | $16,229,800 |
Each page breaks a single net worth figure down across all thirteen age bands.
Data & method
Source: Federal Reserve Survey of Consumer Finances, 2022 wave (released October 2023). Figures are nominal 2022 survey dollars, not inflation-adjusted, which matches how the Federal Reserve publishes them. Percentiles between published breakpoints are estimated by log-space interpolation. The SCF excludes the Forbes 400 and has limited sample size above the 95th percentile, so upper-percentile figures are approximate floors rather than exact thresholds. The next wave (2025 data) is expected in late 2026. Informational only; not financial advice.
