What is the average American net worth?

As of Q4 2025, the mean (average) U.S. household net worth is approximately $1,370,000, while the median net worth is $192,700. The large gap between mean and median reflects significant wealth concentration at the top.

What is the total U.S. household net worth?

Total U.S. household net worth reached $184.1 trillion in Q4 2025, according to the Federal Reserve's Financial Accounts (Z.1) release. This includes real estate, stocks, retirement accounts, and other assets minus all debts.

How much debt does the average American household have?

Total U.S. household liabilities stand at approximately $20.9 trillion. The largest components are mortgages ($13.8T), auto loans ($1.7T), student loans ($1.7T), and credit cards ($1.3T).

What percentage of American wealth is in real estate?

Real estate represents approximately $47.9 trillion of U.S. household assets as of Q4 2025, making it the second-largest asset class behind equities ($67.8T when including retirement accounts). About 66% of American households own their primary residence.

How has American household wealth changed recently?

U.S. household net worth grew by $2.5 trillion in Q4 2025 — continuing a steady upward trend. This was primarily driven by a $1.3 trillion increase in equities.

Wealth in America: A comprehensive statistical overview of U.S. household net worth, assets, and liabilities.

Name: Wealth in America — U.S. Household Net Worth, Assets & Liabilities
Creator: Wealth in America
License: https://creativecommons.org/publicdomain/zero/1.0/

$0.0T

Total U.S. Household Net Worth

Data through Q4 2025 · Federal Reserve Z.1 Release

+$2.2T this quarter, driven by an increase in equities

Federal Reserve Census Bureau Bureau of Labor Statistics IRS / SOI

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Key Insights

What's happening with U.S. household wealth right now.

+$2.2T

Household net worth rose $2.5 trillion in Q4 2025, fueled by a $1.3T increase in equities.

$47.9T

Real estate dipped slightly (-$0.4T) in Q3 as home prices softened, but remains the second-largest asset class behind equities ($66.5T).

+4.1%

Household debt grew at a 4.1% annualized rate (mortgage debt up 3.2%, consumer credit up 2.3%) keeping pace with income growth.

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Wealth in America: A comprehensive statistical overview of U.S. household net worth, assets, and liabilities.

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