Measuring your financial success against others is a natural part of planning for the future. In 2026, net worth figures show a striking gap between the "average" (mean) and the "typical" (median) household, largely due to the concentration of wealth at the top.
The 2026 Wealth Snapshot: Mean vs. Median
When looking at net worth, the median is often the most helpful benchmark. Because billionaires and ultra-high-net-worth individuals pull the average significantly higher, the median represents the exact middle point of the population.
Net Worth Benchmarks by Age (2026 Estimates)
The following data reflects current 2026 estimates based on the Federal Reserve’s Survey of Consumer Finances (SCF) and recent inflationary adjustments.
| Age Group | Median Net Worth | Average (Mean) Net Worth |
|---|---|---|
| Under 35 | $39,040 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,570,000 |
| 65–74 | $409,900 | $1,790,000 |
| 75+ | $335,600 | $1,620,000 |
Wealth Trends by Decade
The 20s and Early 30s: The Foundation Phase
For those under 35, net worth is often low or even negative due to student loans and entry-level salaries. Wealth in this stage is primarily built through forced savings (401k contributions) and the beginning of homeownership.
The 40s and 50s: The Accumulation Peak
This is typically the "peak earning" period. As home equity increases and compound interest begins to snowball in retirement accounts, the gap between the median and average begins to widen. By age 54, the typical household has nearly a quarter-million dollars in net worth.
The 60s and 70s: The Preservation Peak
Wealth usually peaks between ages 65 and 74. At this point, many have paid off their mortgages and maximized their retirement portfolios. After age 75, net worth typically begins to decline as retirees "decumulate" or spend down their assets to fund their lifestyle.
Factors That Skew the Numbers
- Home Equity: For the median American, the primary residence accounts for the largest portion of their net worth.
- Education: On average, college graduates have a median net worth nearly 4x higher than those with only a high school diploma.
- Geography: Cost of living and real estate values in states like Hawaii or Washington lead to significantly higher average net worths compared to the Midwest.
What Is the Average Net Worth by Age in the USA – Quotes
- "Net worth isn’t just earnings — it’s the measure of your financial foundation."
- "In the USA, average net worth grows with age as experience and assets stack up."
- "Your 20s lay the groundwork; your 30s build momentum; your 40s compound gains."
- "Average net worth by age shows progress isn’t a sprint — it’s a long game."
- "A higher net worth reflects years of saving, investing, and disciplined choices."
- "Understanding net worth by age helps set realistic financial goals."
- "In the USA, net worth typically increases with home ownership and retirement savings."
- "Your 50s and 60s often hold your peak net worth — if you’ve stayed consistent."
- "Comparing average net worth by age can motivate smarter financial habits."
- "Age is a number, but net worth is the result of financial habits over time."
