Is $247,200 a good net worth for this age?

It is the middle of the distribution, which makes it a description rather than a target. Nobody set it as a goal and there is no authority behind it. Whether it is enough depends on income, cost of living, dependants and what the money is for — none of which a national median knows about.

Why is the mean so much higher than the median?

Because wealth has a long right tail. A small number of very large fortunes lift the average without moving the middle, which is why the mean for this group is 3.9 times the median. Any benchmark quoted as "the average" is worth checking for which of the two it means.

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Average net worth at 45–54 in the US

Last checked 3 September 2026

Published Federal Reserve figures for this age group, and where a given amount sits in the wider distribution.

What is the average net worth for households aged 45 to 54?

Median net worth for US households aged 45 to 54 was $247,200 in the 2022 Federal Reserve Survey of Consumer Finances, while the mean for the same group was $975,800 — a gap of 3.9 times, caused by the long right tail of wealth.

Measure	Amount	What it means
Median	$247,200	The middle household — half of this age group is below it.
Mean	$975,800	The arithmetic average, lifted well above most of the group by the largest fortunes.

If you only remember one thing from this page: compare yourself to the median, not the mean. The mean for this age group is 3.9 times the median, which means it sits above the great majority of the people it claims to describe.

Where you sit nationally

The figures above are specific to this age group. The thresholds below are for all US households at any age, computed by DQYDJ over the Federal Reserve’s public 2022 SCF microdata — a third-party analysis of official data rather than an official publication.

Percentile	Net worth
50th	$192,900
75th	$658,340
90th	$1,920,758
95th	$3,779,600
99th	$13,700,000

Net worth (USD)Age

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Why age is the wrong thing to feel bad about

Net worth accumulates over a working life, so most of the variation between age groups is time rather than skill. Median net worth for US households under 35 is $39,000 and for those aged 65 to 74 it is $409,900 — roughly a tenfold difference, and the younger group has not done anything wrong.

It is also why comparing yourself to an all-ages figure is close to meaningless early on. It mostly measures how old you are.

Frequently asked questions

What is the average net worth for households aged 45 to 54?: Two different figures answer that. The median — the middle household — was $247,200 in the 2022 Fed SCF. The mean was $975,800. The median is the more useful benchmark for an individual, because the mean is pulled upward by the wealthiest households and sits above most of the group.
Is $247,200 a good net worth for this age?: It is the middle of the distribution, which makes it a description rather than a target. Nobody set it as a goal and there is no authority behind it. Whether it is enough depends on income, cost of living, dependants and what the money is for — none of which a national median knows about.
Why is the mean so much higher than the median?: Because wealth has a long right tail. A small number of very large fortunes lift the average without moving the middle, which is why the mean for this group is 3.9 times the median. Any benchmark quoted as "the average" is worth checking for which of the two it means.

Sources

Changes in U.S. Family Finances from 2019 to 2022: Evidence from the Survey of Consumer Finances
Board of Governors of the Federal Reserve System · data for 2022 · published October 2023
The SCF runs every three years. The 2025 wave has been collected but is not published until late 2026, so 2022 remains the current release. SCF net worth excludes the capitalised value of future Social Security and defined-benefit pension entitlements.
Net Worth Percentile Calculator for the United StatesDerived, not official
DQYDJ · data for 2022 · published 2023
A third-party computation over the Federal Reserve's public SCF microdata, not a Federal Reserve publication. The Fed publishes medians and means by age; it does not publish these percentile thresholds directly.

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