The table
Median and average household net worth by age bracket, from the Federal Reserve’s Survey of Consumer Finances, 2022 — the latest published wave. The survey runs every three years.
| Age | Median | Average |
|---|---|---|
| 18–24 | $10,222 | $112,104 |
| 25–29 | $31,470 | $120,183 |
| 30–34 | $88,631 | $258,075 |
| 35–39 | $138,588 | $501,295 |
| 40–44 | $134,382 | $590,710 |
| 45–49 | $213,586 | $781,936 |
| 50–54 | $266,140 | $1,132,497 |
| 55–59 | $321,074 | $1,441,987 |
| 60–64 | $392,860 | $1,675,294 |
| 65–69 | $393,480 | $1,836,884 |
| 70–74 | $438,700 | $1,714,085 |
| 75+ | $332,690* | $1,620,630* |
Source: Federal Reserve, Survey of Consumer Finances 2022. *The 75+ row blends the survey’s published 75–79 and 80+ bands.
Why the average lies to you
Net worth is the most lopsided number in personal finance. Averages get dragged upward by a small number of very wealthy households — at 65–69 the average ($1,836,884) is nearly five times the median ($393,480). Half of all households that age sit below $393,480. Nobody you know is the average.
The honest read
Find your bracket and compare yourself to the median, not the average. Two more patterns worth noticing: wealth peaks late — the median tops out at $438,700 around ages 70–74, then dips as households spend down — and the median roughly doubles between your late 30s and late 40s, the decades when mortgages amortize and retirement accounts compound.