How is U.S. household wealth divided?

At the end of June 2026, the wealthiest 1% of U.S. households held 32.5% of all household wealth, the next 9% held 36.4%, the next 40% held 28.8% and the bottom 50% held 2.3%. In 1989 the shares were 22.8%, 38.0%, 35.7% and 3.5%. Wealth here is net worth: what households own (homes, stocks and mutual funds, pensions and retirement accounts, private businesses, cars and other belongings, bank deposits) minus what they owe (mortgages, credit cards, student and car loans). The Fed estimates each quarter by combining its Financial Accounts with its Survey of Consumer Finances, taken every three years, so the newest quarters are estimates that get revised.

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Key facts

Measure: Share of household wealth, %. Written from the data below.

  • Next 9% has the highest figure, 36.4%.
  • Bottom 50% has the lowest figure, 2.3%.
  • The highest is 16 times the lowest.

The bigger picture, in plain words: How much wealth do Americans have at each age?

For class

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How to read this chart

Each bar is one group of U.S. households' share of all household wealth, so the four bars add up to 100%. The groups are different sizes: the top 1% is one household in every hundred, while the bottom 50% is half of all households. Compare each group's share of wealth with its share of households.

Questions to discuss

  1. Which group holds the largest share of wealth? Is it the group with the most households?
  2. If wealth were split evenly, what share would the bottom 50% hold? How far is the chart from that?
  3. The takeaway gives the 1989 shares too. Which groups gained a share since then, and which lost one?

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Source and date

Source
Federal Reserve Board, Distributional Financial Accounts
License
Public domain (Federal Reserve Board; cite the Board as the source)
Data as of
Published

Citation

Chartly. “How is U.S. household wealth divided?” Chart. Data: Federal Reserve Board, Distributional Financial Accounts, https://www.federalreserve.gov/releases/z1/dataviz/dfa/ (data as of June 30, 2026). https://chart.ly/charts/how-us-wealth-is-divided (accessed November 7, 2026).

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The data

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The file has the numbers in this table, with the source, license and date. Please credit the source and Chartly. Developers can also get them as JSON (how).

Households, by wealth Share of household wealth, %
Top 1% 32.5
Next 9% 36.4
Next 40% 28.8
Bottom 50% 2.3

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