Net Worth Percentile at 30 to 34

U.S. households, grouped by age of the reference person. Deco computes these five-year age groups from the Fed's public 2022 microdata, applying survey weights within each of five imputations and averaging the estimates. Values are nominal 2022 USD, with no inflation update. Net worth includes home equity. These are U.S. benchmarks, not local wealth percentiles for other countries.

Median

$88,631

Half of U.S. households in this reference-person age group have less than this.

Average

$258,075

2.9x the median. This is the number most articles quote.

Median net worth for 30 to 34 is $88,631, up from $31,470 five years earlier. That is close to a tripling in five years, the sharpest proportional jump of any bracket in the data.

The average for this group is $258,075, which is about 2.9 times the median. That is the narrowest average-to-median gap of any age band, and it makes the thirties the one decade where the average is almost usable.

The full spread at 30 to 34

Percentile	Net worth	What it means
25th	$11,016	Bottom 25 percent are below
50th	$88,631	Median, half are below
75th	$186,140	Top 25 percent start here
90th	$538,750	Top 10 percent start here
95th	$796,256	Top 5 percent start here
99th	$2,636,882	Top 1 percent start here

Excluding home equity, the median for 30 to 34 drops to $36,178. This distribution still includes owners and renters, and other assets may be illiquid. It is not a renter-only benchmark or a measure of available cash.

The steepest climb in the whole table

Nothing else in the dataset moves like this. The median roughly triples between the late twenties and the early thirties, then takes another fifteen years to merely double again. Compounding is part of it, but most of it is simply that this is when incomes rise fastest while the assets that will later dominate, chiefly home equity and retirement accounts, start accumulating in earnest.

It also means the bracket you are compared against changes underneath you very quickly. Someone who was comfortably above median at 29 with $40,000 can be below median at 31 without having gone backwards at all. The bar moves faster than most people's balances at this age.

Find your own number

A percentile is only useful once you know where you actually stand, and the trend matters far more than the snapshot.

Open the net worth calculator

Common questions

Should I count my home?

The figures on this page include home equity, because that is how the Federal Reserve defines net worth. It is worth knowing that this flatters homeowners relative to renters in the same financial position, since equity you cannot spend without moving still counts. If you want the comparison without it, the same survey publishes a version excluding home equity and the medians are substantially lower.

Why is the average so much higher than the median?

Because wealth distributions have a long right tail. The top one percent of this bracket holds $2,636,882, and a handful of people at that level pull the arithmetic mean far above the middle. The median is the number that answers what is typical. The average answers what the total divided by the headcount is, which is a different and much less useful question.

What you needCoast FIRE at 30Percentiles tell you where you rank against other people. This tells you the amount that, left completely alone, still gets you to retirement on time.

Other age brackets

Source: Federal Reserve Survey of Consumer Finances 2022. U.S. households, grouped by age of the reference person. Deco computes these five-year age groups from the Fed's public 2022 microdata, applying survey weights within each of five imputations and averaging the estimates. Values are nominal 2022 USD, with no inflation update. Net worth includes home equity. These are U.S. benchmarks, not local wealth percentiles for other countries. General information, not financial advice.