Average net worth by age
Median and average net worth by age, from the Federal Reserve’s 2025 Survey of Consumer Finances and Statistics Netherlands. What the numbers mean for you.
Updated
United States
Every three years the Federal Reserve asks thousands of American families about their finances in the Survey of Consumer Finances. These are the results of the 2025 survey, published in October 2026, by the age of the family’s reference person:
| Age | Median | Average (mean) |
|---|---|---|
| Under 35 | $33,000 | $135,400 |
| 35–44 | $155,600 | $681,900 |
| 45–54 | $253,700 | $1,244,500 |
| 55–64 | $411,900 | $1,878,000 |
| 65–74 | $431,300 | $1,897,600 |
| 75 or older | $504,900 | $1,962,200 |
| All families | $215,900 | $1,241,500 |
Median or average?
Look at the median. It’s the family in the middle: half have more, half have less. The average is pulled up by a small number of very wealthy families, which is why it’s roughly four to five times higher in every age group. Comparing yourself with the average will make almost anyone feel behind.
What’s counted
The survey counts the same things as a net worth calculator: savings, investments, retirement accounts like 401(k)s and IRAs, the value of homes, cars and businesses, minus mortgages, loans and other debts. It leaves out Social Security and traditional defined-benefit pensions, because they don’t have a balance anyone owns.
A “family” here is one person or a couple living together with anyone who shares their finances, so the figures are per household, not per person. A couple’s net worth is compared with the median of all families its age.
What changed since 2022
After adjusting for inflation, the median net worth of all families rose about 2% between the 2022 and 2025 surveys. Under-35s were the exception: their median fell by 23%. At the other end, families aged 75 and older saw their median rise by 37%, mostly because their retirement accounts grew, and they’re now the wealthiest age group by the median.
In the Netherlands
Statistics Netherlands (CBS) measures the wealth of every Dutch household from tax records, which makes its figures unusually complete. On 1 January 2024:
| Age of main earner | Median | Median without home | Average |
|---|---|---|---|
| Under 25 | €300 | €300 | €24,900 |
| 25–34 | €13,500 | €5,100 | €95,900 |
| 35–44 | €120,100 | €15,800 | €246,400 |
| 45–54 | €187,400 | €28,300 | €395,000 |
| 55–64 | €250,200 | €39,100 | €487,000 |
| 65–74 | €276,900 | €41,100 | €450,800 |
| 75–84 | €265,300 | €38,700 | €417,900 |
| 85 or older | €139,400 | €35,500 | €336,900 |
| All households | €135,500 | €23,000 | €333,500 |
Two things stand out. First, the home is most of it: without the home and its mortgage, the median household has €23,000. Second, the Dutch numbers look low partly because pensions are excluded. Most Dutch people build up their pension in a collective fund they can’t withdraw from, and CBS doesn’t count it, nor the state pension (AOW). Cars and household contents aren’t counted either.
So don’t compare the two countries directly. The surveys use different definitions, dates, currencies and age groups.
How to use these numbers
They’re a rough reference, not a target. Where you live, when you bought a home, whether you studied for years and what you inherited all make a big difference. The comparison that tells you most is with yourself a year ago. Work out your net worth, write it down, and check again in a few months.