# Net Worth at 50 in the United States (2026)

The median net worth of households in the United States headed by someone aged 45 to 54 is about **$247K**; the average is about **$976K**. At 50, roughly **$750K** puts a household in the top 25% of its age group, and about **$2.0M** in the top 10%.

## Net worth by percentile in the United States

| Percentile | Household net worth (USD) |
| --- | --- |
| Median (50th percentile) | $193K |
| Top 25% | $585K |
| Top 10% | $1.6M |
| Top 5% | $3.1M |
| Top 1% | $11.0M |

## Net worth by age in the United States

| Age | Median | Top 10% | Top 1% |
| --- | --- | --- | --- |
| Under 35 | $39K | $321K | $2.2M |
| 35–44 | $136K | $1.1M | $7.7M |
| 45–54 | $247K | $2.0M | $14.1M |
| 55–64 | $365K | $3.0M | $20.8M |
| 65–74 | $410K | $3.4M | $23.4M |
| 75+ | $336K | $2.8M | $19.1M |

Medians by age of the household head are from the Federal Reserve's 2022 Survey of Consumer Finances. The top 10% and top 1% columns are estimates.

- [At 25](/net-worth-percentile/united-states/age-25)
- [At 30](/net-worth-percentile/united-states/age-30)
- [At 35](/net-worth-percentile/united-states/age-35)
- [At 40](/net-worth-percentile/united-states/age-40)
- [At 45](/net-worth-percentile/united-states/age-45)
- [At 50](/net-worth-percentile/united-states/age-50)
- [At 55](/net-worth-percentile/united-states/age-55)
- [At 60](/net-worth-percentile/united-states/age-60)
- [At 65](/net-worth-percentile/united-states/age-65)
- [All ages](/net-worth-percentile/united-states)

## Common questions

### How much net worth should I have by 50?

There is no required number. The median for households aged 45 to 54 in the United States is about $247K, and the top 25% at 50 starts around $750K. Reaching the median by 50 already puts you ahead of most households in the group.

The average for the group is $976K, 3.9× the median: a minority of households already hold substantial home equity or inherited assets, which pulls the average up. The median is the better picture of a typical household.

### Is $700K a good net worth at 50?

Yes. About $700K ranks around the top 26.3% of households aged 45 to 54 in the United States, and around the 78.3th percentile across all ages.

### Does a 401(k) count toward net worth?

Yes. Retirement accounts count at their current balance, and so does home equity: the home's value minus the mortgage. Student loans, car loans, and card balances are subtracted.

### Is this for a household or one person?

A household. A couple's combined net worth is one entry, so a single person comparing against these figures is measured against many two-earner households, and would rank somewhat higher among individuals.

## Other countries

- [United Kingdom](/net-worth-percentile/united-kingdom)
- [Germany](/net-worth-percentile/germany)
- [France](/net-worth-percentile/france)
- [Switzerland](/net-worth-percentile/switzerland)
- [Canada](/net-worth-percentile/canada)
- [Australia](/net-worth-percentile/australia)
- [See all countries](/net-worth-percentile)

## How to read these figures

Figures are **household net worth** (assets minus debts). The source surveys report in US dollars, and other display currencies are converted at current exchange rates. The median and the top 10% and top 1% thresholds are drawn from the latest available national wealth surveys (mostly 2019 to 2023), with the intermediate levels fitted to a log-normal model. Wealth distributions shift slowly, so read these as close estimates, not to-the-dollar values.

- [Federal Reserve Survey of Consumer Finances (2022)](https://www.federalreserve.gov/econres/scfindex.htm)
- [ECB Household Finance and Consumption Survey (2021)](https://www.ecb.europa.eu/stats/ecb_surveys/hfcs/html/index.en.html)
- [UBS Global Wealth Report and Databook (2023)](https://www.ubs.com/global/en/wealthmanagement/insights/global-wealth-report.html)
- National statistical offices

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Source: https://keepup.finance/net-worth-percentile/united-states/age-50 · KeepUp