Median Net Worth by Age: Fed Data Reveals Generational Wealth Trends (2026)

The latest Federal Reserve Survey of Consumer Finances provides a comprehensive view of median household net worth by age, where net worth equals total assets minus total liabilities. Median net worth rises with age due to compounding returns, higher earnings, and falling household debt burdens, peaking at retirement. Key findings: Median net worth for 35-44-year-olds reached $206,000 in 2025, up from $164,000 in 2019, while 65+ households had a median net worth of $432,000 in 2025, compared to $231,000 in 2019. These figures reflect the long-term impact of retirement savings, home equity, and reduced debt. To calculate net worth: Sum all assets, subtract all liabilities, and exclude future income, unvested stock options, term life insurance, and low-resale-value possessions. Regular tracking reveals how financial decisions—paying down debt, contributing to retirement accounts, and making strategic long-term investments—affect wealth growth.