$400,000 against households headed by someone aged 28 to 32
$400,000 sits around the 90th percentile at 30. The median is $52,100, the top 25% starts at $208,600 and the top 10% at $352,800.
| Point in the line | Net worth | $400,000 is |
|---|---|---|
| 10th percentile | -$8,400 | $408,400 above |
| 25th percentile | $5,100 | $394,900 above |
| Median | $52,100 | $347,900 above |
| 75th percentile | $208,600 | $191,400 above |
| 90th percentile (top 10%) | $352,800 | $47,200 above |
| 95th percentile (top 5%) | $620,200 | $220,200 below |
| 99th percentile (top 1%) | $1,337,000 | $937,000 below |
| Average | $151,500 | $248,500 above |
$400,000 at other ages
The same amount ranks lower as households get older, because net worth usually builds into the 60s.
| Age | Median at that age | $400,000 is |
|---|---|---|
| 25 | $21,300 | 95th percentile |
| 30 | $52,100 | 90th percentile |
| 35 | $106,100 | 79th percentile |
| 40 | $182,200 | 71st percentile |
| 45 | $203,900 | 61st percentile |
| 50 | $232,200 | 62nd percentile |
| 55 | $253,300 | 56th percentile |
| 60 | $368,000 | 51st percentile |
| 65 | $552,200 | 43rd percentile |
| 70 | $412,400 | 49th percentile |
What keeps the same rank later
Households at the same point in the line, around the 90th percentile, hold these amounts at later ages. It is a 2025 snapshot of different households, not a forecast for one household.
| Age | Net worth at the same rank |
|---|---|
| 35 | $1,021,000 |
| 40 | $1,331,000 |
| 50 | $3,227,000 |
| 60 | $4,971,000 |
| 67 | $4,019,000 |
Other amounts and ages
At 30: $100,000, $200,000, $300,000, $400,000, $500,000, $1 million, $2 million. $400,000 at: 30, 35, 40. Every point in the line at 30 is on net worth at 30. How $400,000 ranks among all households is on is $400,000 a good net worth.
Figures are from the Federal Reserve’s 2025 Survey of Consumer Finances, released October 2026, in 2025 dollars. Each age uses households whose head is within about two years of it, so the line moves smoothly from one age to the next. Net worth is everything owned, including home equity and retirement accounts, minus everything owed. Future Social Security and pension payments are not counted.
Figures checked on against Federal Reserve, Changes in U.S. Family Finances from 2022 to 2025 (October 2026) (PDF) and Federal Reserve, 2025 Survey of Consumer Finances, public data.