Net worth tends to jump in the early 30s, when many households buy a first home and incomes rise. Households headed by someone aged 30–34 have a median of $89,800 and an average of $258,100. The median is the fairer comparison, because a few very wealthy families lift the average. Our net worth percentile calculator shows your exact rank.
Net Worth at 30 by Percentile
| Households Headed by Someone Aged 30-34 | Net Worth |
|---|---|
| 25th percentile | $11,100 |
| Median | $89,800 |
| Average (mean) | $258,100 |
| 75th percentile | $185,400 |
| 90th percentile | $537,800 |
Source: Federal Reserve, 2022 Survey of Consumer Finances, public data (2022 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Based on about 291 surveyed families, so treat single-band figures as approximate.
Is Your Net Worth Good at 30?
| Net Worth | Share of Households Aged 30-34 With Less | Where That Puts You |
|---|---|---|
| $10,000 | 24% | Below the median |
| $50,000 | 40% | Below the median |
| $100,000 | 54% | Above the median |
| $200,000 | 76% | Top 25% |
| $250,000 | 80% | Top 25% |
| $500,000 | 89% | Top 25% |
| $1,000,000 | 97% | Top 10% |
| $2,000,000 | 98% | Top 10% |
| $3,000,000 | 99% | Top 1% |
| $5,000,000 | 99% | Top 1% |
Source: Federal Reserve, 2022 Survey of Consumer Finances, public data (2022 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Share with a net worth below each amount, from about 291 surveyed families.
Is $100K good at 30? $100K is more than about 54% of households aged 30-34 have. That’s above the typical household your age.
Is $200K good at 30? $200K is more than about 76% of households aged 30-34 have. That’s a strong position for your age.
Salary benchmark
Fidelity suggests having roughly 1× your salary in retirement savings by 30, so someone earning $60,000 would aim for about $60,000 in 401(k)s and IRAs. Your total net worth can be higher (home equity) or lower (student and car loans).
Early 30s: The Acceleration Starts
Net worth climbs quickly in the early 30s: pay rises, retirement balances begin to compound, and many households buy a first home. The main risk is lifestyle inflation, so raising your savings rate with each raise makes a large difference over the next decade.
Compare Other Ages
- Average net worth at 25
- Average net worth at 35
- Average net worth by age (all ages)
- Net worth percentile by age calculator
- Net worth goals by age
Part of the net worth guide.
Sources
- Board of Governors of the Federal Reserve System. “Survey of Consumer Finances” (2022 public data). federalreserve.gov/econres/scfindex.htm
- Fidelity Investments. “How much do I need to retire?” fidelity.com
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