$400,000 Net Worth Percentile — Where You Rank by Age (2026)
A $400,000 household net worth ranks ahead of roughly 83 million US households and behind about 52 million. Your rank for your own age is often very different — see the table below.
A household with $400,000 in net worth sits around the 62nd percentile of all US households. In round numbers, about 83 million households have less than that and about 52 million have more. For comparison, the median household has $215,900, and the top 10% starts at $2,550,000.
Age changes the answer a lot here. $400,000 is in the top 10% as late as the 25–29 age group, but it falls below the median for the 60–64 age group. If your number stays the same while the people around your age save more, your rank slips each year.
This is also the range where total net worth and spendable net worth can be far apart. Reaching $400,000 through a house that went up in value is different from reaching it through retirement and brokerage accounts. Before you treat the number as a milestone, split out what you could actually get at. The net worth calculator below does that.
$400,000 is about 1.9 times the median US household's net worth, or 16% of the level where the top 10% begins. By age group, it still reaches the top 10% for households up to the 25–29 age group, but it does not reach the top 1% in any age group.
$400,000 Net Worth Percentile by Age
The same $400,000 ranks completely differently depending on your age. Each row shows where this net worth places a household in that band, against that band's median.
| Age | Percentile | Rank | Median for age | Difference |
|---|---|---|---|---|
| 18–24 | 98th | Top 2% | $13,223 | +$386,777 |
| 25–29 | 94th | Top 6% | $35,428 | +$364,572 |
| 30–34 | 88th | Top 12% | $63,826 | +$336,174 |
| 35–39 | 74th | Top 26% | $125,274 | +$274,726 |
| 40–44 | 68th | Top 32% | $184,220 | +$215,780 |
| 45–49 | 62nd | Top 38% | $219,667 | +$180,333 |
| 50–54 | 57th | Top 43% | $284,442 | +$115,558 |
| 55–59 | 56th | Top 44% | $264,584 | +$135,416 |
| 60–64 | 46th | Bottom 46% | $527,752 | −$127,752 |
| 65–69 | 48th | Bottom 48% | $437,162 | −$37,162 |
| 70–74 | 49th | Bottom 49% | $423,788 | −$23,788 |
| 75–79 | 48th | Bottom 48% | $442,326 | −$42,326 |
| 80+ | 42nd | Bottom 42% | $566,490 | −$166,490 |
Rank Your Own Number
These figures are for exactly $400,000. 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.
Frequently Asked Questions
Is $400,000 a good net worth?
A $400,000 net worth is at about the 62nd percentile of US households, meaning roughly 62% 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.
Where does $400,000 net worth rank in the US?
Nationally it sits at about the 62nd percentile: ahead of around 83 million households and behind around 52 million. Your rank among people your own age can be quite different, so check the age table above.
What percentage of Americans have a net worth of $400,000 or more?
About 38% of US households have a net worth above $400,000. That figure comes from the Federal Reserve's 2025 Survey of Consumer Finances and counts households, not individuals.
What percentile is $400,000 net worth?
Approximately the 62nd percentile across all US households, per the Federal Reserve's 2025 Survey of Consumer Finances. By age band it ranges from the 98th percentile for households aged 18–24 to the 42nd percentile for those aged 80+.
How many US households have more than $400,000?
About 52 million of roughly 135 million US households have a net worth above $400,000, while around 83 million have less.
Does this include home equity and retirement accounts?
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.
Keep reading: average net worth by age · what net worth puts you in the top 1%, 5% and 10% · all net worth percentile pages · net worth percentile by age table · income percentile by age
Compare Other Net Worth Levels
Each page breaks a single figure down across all thirteen age bands.
Data & method
Percentiles are estimated from the Federal Reserve Survey of Consumer Finances, 2025 wave (released October 2026), 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 2025 survey dollars, as the Federal Reserve publishes them. Median US household net worth in that survey was $215,900 with a mean of $1,241,500. 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 next wave is expected in 2029. Informational only; not financial advice.