Median and average net worth for ages 45–54
Net worth percentiles, ages 45–54
| Percentile | Net worth |
|---|---|
| 10th percentile | $4,600 |
| 25th percentile | $56,200 |
| 50th percentile (median) | $270,000 |
| 75th percentile | $875,500 |
| 90th percentile | $2.16 million |
| 95th percentile | $3.64 million |
| 99th percentile | $13.71 million |
Reading the table: a family at the 90th percentile has more net worth than 90% of families ages 45–54 — so the top 10% starts at about $2.16 million, and the top 1% at about $13.71 million.
Homeowners vs renters
About 71% of families ages 45–54 own their home. Their median net worth is $473,900, compared with $14,200 for families who rent — home equity is often the largest asset a family has. (How home equity counts toward net worth.)
Common questions
What is the median net worth for ages 45–54?
$270,000, according to the Federal Reserve Survey of Consumer Finances (2022) in 2025 dollars. That is the middle family: half of families ages 45–54 have more, half have less.
What is the average net worth for ages 45–54?
$1.06 million. The average is far above the median ($270,000) because a small number of very wealthy families raise it; the median is the better measure of a typical family.
What net worth puts you in the top 10% for ages 45–54?
About $2.16 million. The top 25% starts around $875,500, the top 5% around $3.64 million, and the top 1% around $13.71 million.
How do homeowners and renters compare for ages 45–54?
About 71% of families ages 45–54 own their home. Their median net worth is $473,900, versus $14,200 for families who rent.
What counts toward net worth in these numbers?
Everything a family owns minus everything it owes: bank and brokerage accounts, retirement accounts such as 401(k)s and IRAs, home equity and other real estate, vehicles and business interests, less mortgages, car loans, student loans and credit-card balances. Pensions and Social Security are not counted.
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Track your net worth free →Other age groups
- Net worth under 35
- Net worth ages 35–44
- Net worth ages 55–64
- Net worth ages 65–74
- Net worth 75 and older
- All ages, side by side
Source: Federal Reserve Survey of Consumer Finances (2022), 820 surveyed families in this age group. Federal Reserve Survey of Consumer Finances (2022), the most recent survey. Figures are in 2025 dollars — the Fed's own inflation adjustment of its public data — so they run about 9% above the 2022-dollar numbers in the Fed's 2023 Bulletin (e.g. a $39,040 under-35 median there). Percentiles are weighted across all families in each age group, by the age of the family's head.