The line into the top 10% of American households sits at a net worth of about $1,936,900. Most households above it are older homeowners with sizeable retirement accounts, and many own a business. Figures are our calculation from the Federal Reserve’s latest Survey of Consumer Finances.
Where the 90th 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 90th Percentile by Age
| Age of Household Head | 90th Percentile Net Worth |
|---|---|
| Under 35 | $372,200 |
| 35–44 | $1,049,600 |
| 45–54 | $1,973,600 |
| 55–64 | $2,960,900 |
| 65–74 | $2,997,400 |
| 75 and older | $2,699,000 |
| All households | $1,936,900 |
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 top-10% threshold for households in their 60s is several times the threshold for those under 35. A young household well short of the overall line can still be in the top 10% for its age; check yours with the net worth percentile by age calculator.
What the Top 10% Looks Like
The top 10% of households hold about 73.4% of all household net worth. At this level, wealth usually includes large retirement balances, a paid-down home and often taxable investments or business equity.
How to Move Up
- Sustain a high savings rate on a high income for many years
- Use every tax-advantaged account available, including an HSA
- Consider taxable investing and tax-efficient fund placement
- Own equity: most top-10% wealth is in stocks, businesses or real estate
- Plan for taxes and estate issues as balances grow
Related
- 75th percentile net worth
- 95th percentile net worth
- Net worth percentile calculator
- Average net worth by age
Part of the net worth guide.
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