Guide
How much wealth do Americans have at each age?
Far more as people get older. In the Federal Reserve's 2025 Survey of Consumer Finances, the typical (median) household headed by someone under 35 had a net worth of $32,820, against $254,670 for ages 45 to 54, $411,340 for 55 to 64 and $504,600 for 75 and over. Of all U.S. household wealth in the quarter ending June 2026, households headed by someone 55 to 69 held 41%, those 70 and over 34% and those under 40 6.5%.
Figures update themselves from 6 charts; newest data as of June 30, 2026.
Typical net worth, under 35, 2025
$32,820
The household in the middle: half have more, half less
Typical net worth, 55 to 64, 2025
$411,340
About 13 times the under-35s'
Share of U.S. wealth held by households 70 and over
34%
$62.3 trillion, quarter ending June 2026
The typical household at each age
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The median is the household in the middle of its age group. In 2025 it was $32,820 for households headed by someone under 35, $156,000 for 35 to 44, $254,670 for 45 to 54, $411,340 for 55 to 64, $431,900 for 65 to 74 and $504,600 for 75 and over.
Net worth builds over a working life as people pay down mortgages, save for retirement and their homes and investments grow. Averages are much higher than these medians, because a few households are very rich.
How all U.S. wealth is split by age
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In the quarter ending June 2026, households headed by someone 55 to 69 held $76.1 trillion, 41% of all household wealth, and those 70 and over held $62.3 trillion, 34%. Households 40 to 54 held 19%, and those under 40 only 6.5%.
By generation
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Baby boomers (born 1946 to 1964) held $97.4 trillion, 52.5% of the total. Gen X held 25.7%, millennials and younger 11.2%, and the Silent Generation and earlier 10.7%. Generations are compared at different ages, so older ones have had longer to build wealth.
Age isn't the biggest divide
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Wealth differs even more by how rich a household is than by its age. In the quarter ending June 2026, the wealthiest 1% of households held 32.5% of all household wealth and the bottom half 2.3%. In 1989 the top 1% held 22.8% and the bottom half 3.5%.
What these numbers can and can't tell you
Net worth is what a household owns (homes, retirement accounts, stocks, businesses, cars, bank accounts) minus what it owes (mortgages, student and car loans, credit cards). A household's age is its head's age.
The typical household figures come from the Fed's Survey of Consumer Finances, taken every three years, in dollars of the survey year. The shares of all wealth are the Fed's quarterly Distributional Financial Accounts, which combine that survey with the national accounts; the newest quarters are estimates that get revised.
People of different ages lived through different times, so these numbers compare age groups today, not one household's path through life. When the Fed publishes new figures, the charts update themselves, and so does every number on this page.
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Sources
Federal Reserve Board, Survey of Consumer Finances (Public domain (Federal Reserve Board; cite the Board as the source)), data as of December 31, 2025, in these charts:
Federal Reserve Board, Distributional Financial Accounts (Public domain (Federal Reserve Board; cite the Board as the source)), data as of June 30, 2026, in these charts: