Quick answer
99th percentile · Top 0.7% of US households
A $15 million household net worth ranks ahead of roughly 130.4 million US households and behind about 0.9 million. Your rank for your own age is often very different — see the table below.
A net worth of $15 million places a US household at roughly the 99th percentile nationally — top 0.7% of all American households, ahead of about 130.4 million households and behind roughly 0.9 million. For reference, the median US household net worth is $192,900 and the top 10% begins at $1,940,000.
$15 million sits in the territory where survey data gets genuinely unreliable. The Survey of Consumer Finances excludes the Forbes 400 by design and has thin sample counts above the 95th percentile, so percentile estimates up here should be read as approximate floors rather than precise ranks — a caveat the Federal Reserve states explicitly. The Fed itself notes error on the order of millions of dollars for the top 0.1% bracket.
What can be said with more confidence is the shape of the balance sheet. Among the wealthiest households, home equity typically accounts for well under 15% of net worth, with private business equity and financial assets making up the bulk — a near-inversion of the median household, where the family home is most of the balance sheet. Percentile rank at this level says less about financial security than asset composition and income durability do.
The same $15 million ranks completely differently depending on how old you are. Each row shows where this net worth would place a household in that age band, and how it compares to that band's median.
| Age band | Percentile | Rank | Median for age | Difference |
|---|---|---|---|---|
| 18–24 | 100th | Top 0.1% | $10,222 | +$14,989,778 |
| 25–29 | 100th | Top 0.1% | $31,470 | +$14,968,530 |
| 30–34 | 100th | Top 0.1% | $88,631 | +$14,911,369 |
| 35–39 | 100th | Top 0.1% | $138,588 | +$14,861,412 |
| 40–44 | 100th | Top 0.1% | $134,382 | +$14,865,618 |
| 45–49 | 100th | Top 0.1% | $213,586 | +$14,786,414 |
| 50–54 | 99th | Top 0.5% | $266,140 | +$14,733,860 |
| 55–59 | 99th | Top 1% | $321,074 | +$14,678,926 |
| 60–64 | 98th | Top 2% | $392,860 | +$14,607,140 |
| 65–69 | 98th | Top 2% | $393,480 | +$14,606,520 |
| 70–74 | 98th | Top 2% | $438,700 | +$14,561,300 |
| 75–79 | 98th | Top 2% | $338,180 | +$14,661,820 |
| 80+ | 99th | Top 1% | $327,200 | +$14,672,800 |
These figures are for exactly $15 million. Enter your actual net worth and age to get your precise percentile, the gap to your age group's median, and the dollars needed to reach the next rung.
A $15 million net worth is at about the 99th percentile of US households, meaning roughly 99% of American households have less. Whether that is "good" depends heavily on age: it ranks near the top for younger households and considerably lower for households in their fifties and sixties, because peer net worth rises steeply with age.
Approximately the 99th percentile across all US households, per the Federal Reserve's 2022 Survey of Consumer Finances. By age band it ranges from the 100th percentile for households aged 18–24 to the 99th percentile for those aged 80+.
About 0.9 million of roughly 131 million US households have a net worth above $15 million, while around 130.4 million have less.
Yes. The Survey of Consumer Finances counts net worth as all assets minus all liabilities, including the primary residence net of its mortgage and retirement account balances at face value. Compare like with like when checking your own figure.
Data & method
Percentiles are estimated from the Federal Reserve Survey of Consumer Finances, 2022 wave (released October 2023), the most recent published wave, by interpolating in log space between the published 25th, 50th, 75th, 90th, 95th and 99th percentile breakpoints for each age band. Figures are nominal 2022 survey dollars and are not inflation-adjusted. Median US household net worth in that survey was $192,900 with a mean of $1,063,700. The SCF excludes the Forbes 400 and has limited sample size above the 95th percentile, so upper-percentile estimates should be treated as approximate floors. The 2025 wave is expected in late 2026. This page is informational and is not financial advice.
