It takes a net worth of about $659,000 to reach the 75th percentile, ahead of three-quarters of American households. That is typically a paid-down home plus solid retirement savings rather than great wealth. Figures are our calculation from the Federal Reserve’s latest Survey of Consumer Finances.
Where the 75th Percentile Sits
| Percentile | Net Worth at or Above |
|---|---|
| 25th | $27,000 |
| 50th (median) | $192,700 |
| 75th | $659,000 |
| 90th (top 10%) | $1,936,900 |
| 95th (top 5%) | $3,795,600 |
| 99th (top 1%) | $13,615,400 |
| 99.9th (top 0.1%) | $62,125,100 |
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.
The 75th Percentile by Age
| Age of Household Head | 75th Percentile Net Worth |
|---|---|
| Under 35 | $152,600 |
| 35–44 | $415,000 |
| 45–54 | $800,000 |
| 55–64 | $1,122,200 |
| 65–74 | $1,176,100 |
| 75 and older | $975,200 |
| All households | $659,000 |
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.
Among households under 35, the 75th percentile is a fraction of the figure for 55- to 74-year-olds, so a younger household can be in its age group’s top quarter with far less. Find your age-adjusted rank with the net worth percentile by age calculator.
What the Top 25% Looks Like
Households at the 75th percentile typically own their home, have substantial retirement savings and little high-interest debt. Many are in their 50s and 60s: age matters as much as income at this level.
How to Move Up
- Max out tax-advantaged accounts where you can (2026: $24,500 401(k), $7,500 IRA, more if 50+)
- Keep a high savings rate through peak earning years
- Pay down the mortgage or invest the difference, depending on your rate
- Hold a diversified, low-cost portfolio and avoid selling in downturns
- Protect what you’ve built with adequate insurance
Related
- 50th percentile net worth
- 90th percentile net worth
- Net worth percentile calculator
- Average net worth by age
Part of the net worth guide.
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