1Median, not average
The median is the family in the middle. The average for all families was $1.24 million, pulled up by the wealthiest; the median was $215,900.
Source: Federal Reserve
2Averages by age
Mean net worth in 2025 was $135,400 under 35, $681,900 at 35 to 44, $1,244,500 at 45 to 54, $1,878,000 at 55 to 64, $1,897,600 at 65 to 74 and $1,962,200 at 75 and older.
Source: Federal Reserve
3Young families fell behind
Median net worth for families under 35 fell 23% from 2022 to 2025, to $33,000. Families 75 and older rose 37%, to $504,900.
Source: Federal Reserve
4What drives the gap
Homes and retirement accounts make up most of it. Both grow with time, so age matters more than any single year of income.
5Compare with yourself
Your own number a year ago is the fairest comparison. Debt paid off and money saved both count.
How to do it in Oaktally
A survey shows where others are once every three years. Oaktally shows where you are every month.
- Add every accountChecking, savings, cards, loans, investments and retirement accounts, each with its balance.
- Update balances from statementsUse Update balance once a month. Oaktally keeps the date of each check.
- Watch the trendHome shows your net worth, what you own and what you owe, over a week, a month or a year.
Frequently asked questions
What is the average net worth of a 30-year-old?
The Fed groups everyone under 35: median $33,000, average $135,400 in 2025.
Where does this data come from?
The Federal Reserve's Survey of Consumer Finances, run every three years. The 2025 results came out in October 2026. Ages are those of the head of each family, and the figures are for the whole family.
Further reading
Federal Reserve: Changes in U.S. Family Finances from 2022 to 2025 ↗Educational examples, not individual financial advice.
