# Average Net Worth in Your 30s, by Age and Percentile | WealthAge

WealthAge is a personal finance app: median net worth in your 30s runs $89,800 (30–34) to $141,200 (35–39), Federal Reserve SCF 2022, plus your own percentile.

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# Average net worth in your 30s

Median household net worth is $89,800 in the first half of your 30s (30 to 34) and $141,200 in the second half (35 to 39), 57% higher (Federal Reserve, Survey of Consumer Finances, 2022). These are two different groups of households surveyed once, not one household tracked over time. Enter your age and net worth below for your own percentile.

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Your result

Enter your own age band and net worth above and this example becomes your result.

Example percentile

A household with $141,200 is higher than about 64% of households aged 30–34.

Federal Reserve SCF 2022.

Ranked against households, the unit the Federal Reserve measures. If you entered one person’s accounts rather than a household’s, this percentile reads high.

This percentile comes from Federal Reserve data for your age band. It describes a group of households, not you.

This is a useful estimate. Your complete financial picture may change it.

WealthAge calculates your net worth from your actual accounts and obligations, alongside your spending, cash flow and resilience score, and keeps it current as your life changes.

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The percentile ladder

## Eleven percentile points show where a household lands inside each half of your 30s

The full net worth by age table prints five percentile points (10th, 25th, 50th, 75th, 90th) across all twelve five-year age bands WealthAge cuts from the Fed’s public microdata. This table prints eleven points, 10th through 99th, for just these two bands, the ones that make up your 30s. Set your own age band and net worth in the calculator above to place your figure between the printed points, rather than reading a column by eye.

| Age band | N | 10th | 20th | 30th | 40th | 50th (median) | 60th | 70th | 80th | 90th* | 95th* | 99th (floor)† |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 30–34 | 291 | −$15,900 | $3,300 | $22,300 | $49,300 | $89,800 | $127,100 | $167,300 | $255,900 | $537,800 | ~$777,000 | above ~$2.8M |
| 35–39 | 352 | $200 | $10,700 | $29,200 | $64,800 | $141,200 | $205,000 | $320,800 | $499,700 | $870,600 | ~$1.47M | above ~$4.9M |

Values 10th through 90th rounded to the nearest $100; a ~4,600-household survey cannot support finer resolution there. *The 95th column is rounded further, to three significant figures: above the 90th percentile Federal Reserve sampling error grows quickly, so read it as approximate. †The 99th column is rounded to two significant figures and read as a floor, not an exact line: above the 99th percentile the survey sample is too thin for a precise cutoff. Households sampled: 30–34 N=291, 35–39 N=352.

Source: the Federal Reserve’s 2022 SCF Summary Extract public microdata file, downloaded from the Federal Reserve and processed by WealthAge, medians verified exact against the Fed’s own published six-band table (the finest grouping the Fed itself publishes) on 9 August 2026. The Fed publishes no eleven-point table at these bands, so the other columns are WealthAge’s own computation from that file. The same file and pipeline as the full net worth by age table and am-i-wealthy’s cutoff table ; this page prints more percentile points for fewer bands than either.

In your 30s

## The later half of your 30s runs 57% higher than the earlier half, and the Fed’s own band splits under you

Your 30s straddle two Federal Reserve six-band groupings: the first half (30–34) still falls in “Under 35”; the second half (35–39) opens “35–44.” That means the six-band table on the full net worth by age page treats your early 30s and late 30s as belonging to two entirely different published brackets, even though both are inside the same decade of your life.

The finer bands this page reads directly answer what that six-band split hides: median net worth is $89,800 at 30–34 and $141,200 at 35–39, a $51,400 difference, 57% higher, from 291 and 352 sampled households respectively (Federal Reserve SCF 2022 public microdata, computed by WealthAge). Two different groups of households were surveyed once in 2022; this is not one household’s path.

The mean-to-median ratio narrows slightly across the same span: 4.71 times in “Under 35” ($183,500 mean against a $39,000 median, a band that also includes your 20s) to 4.05 times in “35–44” ($549,600 mean against $135,600, Federal Reserve SCF 2022 bulletin, Table 2, verified 6 August 2026). A narrower ratio does not mean less inequality; it means the 35–44 band’s own high-balance households have pulled less far ahead, relative to that band’s own higher median, than the smaller “Under 35” median allows.

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The bulletin basis

## Where the mean-to-median ratio above comes from

The percentile ladder above reads the Federal Reserve’s public microdata file, which has no published mean. The ratio cited in the section above instead reads the Fed’s own six-band bulletin table, a different, internal-data basis (see the full net worth by age page’s explanation of the two bases ). Your 30s overlap two Federal Reserve bulletin bands: Under 35 and 35–44.

| Fed band | Median, 2022 $ | Mean, 2022 $ | Mean ÷ median |
| --- | --- | --- | --- |
| Under 35 | $39,000 | $183,500 | 4.71x |
| 35–44 | $135,600 | $549,600 | 4.05x |

Source: Board of Governors of the Federal Reserve System, Survey of Consumer Finances, 2022 survey (fielded 2022, published October 2023), Table 2, verified against the Federal Reserve’s published bulletin on 6 August 2026, restated from the full net worth by age page’s own six-band table.

Questions

## Four questions come up most about net worth in your 30s

### What is the average net worth in your 30s?

Median household net worth is $89,800 at 30–34 and $141,200 at 35–39 (Federal Reserve, Survey of Consumer Finances, 2022, computed by WealthAge from the public microdata and verified against the Fed’s own published table). Mean net worth, pulled higher by a small number of large balances, runs well above both medians. The Federal Reserve publishes means only for its wider six-band groupings, “Under 35” and “35–44,” neither of which matches your 30s specifically: there is no published mean for 30–34 or 35–39 on their own.

### How much does net worth grow across your 30s?

Median net worth is $89,800 at 30–34 and $141,200 at 35–39, about 57% higher in the older band (Federal Reserve SCF 2022 public microdata, computed by WealthAge). That figure describes the difference between two independently sampled age bands, not any one household’s own path from one age to another.

### Why does net worth grow so much in your 30s?

Median net worth is $89,800 at 30–34 and $141,200 at 35–39, 57% higher (Federal Reserve SCF 2022). Commonly attributed to dual-income household formation, several more years of career advancement, and, for homeowners, the first years of measurable equity once a mortgage moves past its most interest-heavy early payments. None of that is guaranteed for any individual household; it describes what differs, on average, between the two five-year bands.

### Why is this 2022 data?

The Federal Reserve fields its Survey of Consumer Finances every three years: 2019, then 2022, with the next wave, SCF 2025, expected to publish in late 2026 (see the standing re-issue commitment in the limits section below). Newer-looking numbers exist, but none replace it. Bank and fintech posts about "average net worth" are usually model-derived estimates from their own account holders, not a representative national sample. App-dashboard aggregates cover only the people who use that app, a self-selected group already engaged with their finances. Perception surveys ask what people think net worth figures should be, not what households actually hold. The SCF is the survey built for this question: a representative cross-section of U.S. households interviewed every three years about their actual assets and debts, with the detail needed for percentiles. Checked 14 August 2026: no newer wave has published.

Limits

## These figures describe a population in 2022, not your situation today

Sampling. The 30–34 band is built from 291 sampled households and the 35–39 band from 352, both weighted to represent the national population. That is a sound basis for the middle of each band’s distribution and a noisier one above the 90th percentile, where a handful of very high-balance sampled households can shift the top of the ladder substantially.

Vintage. These are 2022 figures. Household wealth has moved since the survey was fielded, in both directions depending on the household. The next SCF wave is expected to publish in late 2026; this page is re-issued when it does.

What the calculator can’t see. It only sees the age band and net worth you select and enter. It has no visibility into your income, your debts, your insurance coverage, or how quickly your specific assets could actually convert to cash. A percentile is a position, not a plan.

Net worth in your 20s
·
The full net worth by age tables: median, mean, and percentiles by age
·
Net worth in your 40s
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Am I wealthy for my age?
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All free WealthAge tools

Methodology

## Every figure on this page traces to a dated source

The percentile ladder and the rank tool above read the Federal Reserve’s 2022 SCF Summary Extract public microdata file, downloaded from the Federal Reserve and processed by WealthAge, computed by WealthAge, with its medians verified exact against the Fed’s own published six-band table (the finest grouping the Fed itself publishes) on 9 August 2026; the Fed publishes no eleven-point table at these bands, so the other percentile columns are WealthAge’s own computation from that file. The six-band bulletin figures further up this page are a different basis, the Fed’s own internal, non-public dataset; see the full net worth by age page’s fuller methodology for the distinction and the full pipeline, which this page does not repeat. The calculation runs in your browser. The figures you enter are used only to draw your result on this page.

Data: Federal Reserve SCF 2022 (published Oct 2023). This page re-issues when SCF 2025 publishes (expected late 2026). Published 14 August 2026.

Corrections: 2026-08-14: first publication.

## A percentile is where you stand today. Survival is what happens next.

The ladder above describes a population and a moment, both from 2022 data. What survives a real shock is your own arithmetic, not a percentile.

One limit, plainly: the calculator sees only what you select and enter, and your percentile only places your net worth against public data.

WealthAge keeps this next to your real accounts, connected or uploaded.

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Canonical: https://wealthagescore.com/tools/net-worth-by-age/in-your-30s/