Net worth at 40, from the bottom to the top 1%
Half of households headed by someone aged 38 to 42 hold less than $182,200. The middle half holds between $24,700 and $532,800; the top 10% starts at $1,152,000.
| Point in the line | Net worth |
|---|---|
| 10th percentile | -$400 |
| 25th percentile | $24,700 |
| Median | $182,200 |
| 75th percentile | $532,800 |
| 90th percentile (top 10%) | $1,152,000 |
| 95th percentile (top 5%) | $2,168,000 |
| 99th percentile (top 1%) | $9,180,000 |
| Average | $708,400 |
Where common amounts rank at 40
| Net worth | Rank at 40 |
|---|---|
| $50,000 | 31st percentile |
| $100,000 | 39th percentile |
| $250,000 | 58th percentile |
| $500,000 | 74th percentile |
| $1,000,000 | 87th percentile |
| $2,000,000 | 94th percentile |
| $5,000,000 | 96th percentile |
Pages for amounts at 40: $100,000, $200,000, $300,000, $400,000, $500,000, $600,000, $700,000, $1 million, $2 million.
For retirement accounts alone, see 401(k) balances at 40: $25,000, $50,000, $100,000, $150,000, $200,000, $250,000, $300,000, $500,000, $750,000, $1 million.
Net worth at nearby ages
| Age | Median | Average | Top 10% starts |
|---|---|---|---|
| 35 | $106,100 | $390,500 | $910,300 |
| 36 | $97,500 | $513,000 | $948,700 |
| 37 | $127,200 | $588,200 | $1,133,800 |
| 38 | $133,100 | $584,800 | $1,071,000 |
| 39 | $155,000 | $639,300 | $1,110,000 |
| 40 | $182,200 | $708,400 | $1,152,000 |
| 41 | $202,700 | $705,200 | $1,189,800 |
| 42 | $181,000 | $757,900 | $1,447,600 |
| 43 | $205,600 | $889,600 | $1,614,500 |
| 44 | $204,000 | $956,500 | $1,713,000 |
| 45 | $203,900 | $988,300 | $1,840,700 |
Why the average is so much higher than the median
The average at 40, $708,400, is 3.9 times the median. A small number of very wealthy households pull it up, so it sits around the 81st percentile: most households at 40 hold less than the average. The median is the better guide to a typical household.
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.
See net worth by age for every age group, or work out your own net worth.
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.