household net worth · aged 65 to 74
Net Worth at 65 in the United States (2026)
The median net worth of households in the United States headed by someone aged 65 to 74 is about $431K; the average is about $1.9M. At 65, roughly $1.3M puts a household in the top 25% of its age group, and about $3.7M in the top 10%.
Net worth by percentile in the United States
| Percentile | Household net worth (USD) |
|---|---|
| Median (50th percentile) | $216K |
| Top 25% | $789K |
| Top 10% | $2.5M |
| Top 5% | $4.8M |
| Top 1% | $16.3M |
Net worth by age in the United States
| Age | Median | Top 10% | Top 1% |
|---|---|---|---|
| 18–24 | $13K | $101K | $471K |
| 25–34 | $48K | $406K | $1.9M |
| 35–44 | $156K | $1.2M | $8.3M |
| 45–54 | $254K | $2.6M | $14.1M |
| 55–64 | $412K | $3.5M | $20.1M |
| 65–74 | $431K | $3.7M | $20.5M |
| 75+ | $505K | $4.2M | $20.3M |
By age of the household head, from the Federal Reserve's 2025 Survey of Consumer Finances. The Fed publishes one median for under 35 and no cutoffs by age, so the 18–24 and 25–34 rows and the top 10% and top 1% columns are computed from the survey's public data.
Among real KeepUp users aged 65 or older
Actual net worths from users in the United States who added their assets. Anonymous.
See where you rank among KeepUp users aged 65 or older in the United States, and how others hold their money.
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Common questions
How much net worth should I have by 65?
There is no required number. The median for households aged 65 to 74 in the United States is about $431K, and the top 25% at 65 starts around $1.3M. Reaching the median by 65 already puts you ahead of most households in the group.
The average for the group is $1.9M, 4.4× 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 $1.0M a good net worth at 65?
Yes. About $1.0M ranks around the top 30.5% of households aged 65 to 74 in the United States, and around the 78.7th 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
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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.