Net Worth by Age Group US: Latest Federal Reserve Data
The Federal Reserve's Survey of Consumer Finances shows that the median net worth by age group US varies sharply, with the 65-74 cohort holding the highest median at around 400,000 dollars and the 35-44 cohort near 150,000 dollars. The top 10 percent of families in the 55-64 bracket have a median net worth above 2,000,000, while the bottom 25 percent in the same bracket hold less than 10,000. These figures are drawn from the latest release of the SCF and reflect holdings of financial assets, real estate, and business equity, as reported by the Federal Reserve Board on its official data page Federal Reserve Survey of Consumer Finances.
Average net worth rises even more steeply with age, driven by a small number of ultra-wealthy households. For the 55-64 age group, the mean net worth is roughly 1.8 million dollars, compared with about 150,000 dollars for the 35-44 group. The 75-and-older cohort has a mean above 1.2 million, largely because of high home equity and retirement account balances. Disparities are widest in the 45-54 bracket, where the top 1 percent control a disproportionate share of business equity and financial assets, according to the same Federal Reserve dataset Federal Reserve Survey of Consumer Finances.
Wealth by Age Percentile and Household Type
Percentile Breakdown by Age
At the 25th percentile, families under 35 have a median net worth below 15,000 dollars, while those aged 65-74 sit near 100,000 dollars. The 50th percentile for 45-54 households is roughly 170,000 dollars, and for 55-64 households it jumps to about 400,000 dollars. The 90th percentile for 55-64 families exceeds 2,500,000, and for 65-74 families it is above 2,200,000. These numbers are from the latest Survey of Consumer Finances and highlight how retirement accounts and paid-off homes concentrate wealth in older brackets Federal Reserve Survey of Consumer Finances.
Single-Person vs. Married Households
Married-couple families in the 55-64 bracket have a median net worth near 500,000 dollars, while single-person households in the same bracket have a median below 200,000. For under-35 households, married couples have a median around 40,000 dollars, compared with less than 10,000 for single persons. The gap widens at the 90th percentile, where older married households hold more than 3,000,000 in net worth, often tied to business ownership and real estate equity reported in the Federal Reserve data Federal Reserve Survey of Consumer Finances.