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Assets
Financial Assets$61.8T
Stocks & Equities$47.2T
21% of households
Cash & Deposits$9.6T
99% of households
Bonds & Fixed Income$6.2T
1% of households
Retirement & Tax-Adv.$77.8T
Retirement Accounts$48.1T
54% of households
IRAs$18.9T
31% of households
401(k) Plans$10.0T
50% of households
529 Plans$603B
13% of households
HSAs$159B
27% of households
Real Assets$87.1T
Real Estate$48.0T
66% of households
Commercial Real Estate$22.5T
6% of households
Residential Rentals$10.3T
13% of households
Farms$3.6T
1.5% of households
Vehicles$2.4T
87% of households
Mineral Rights$314B
9% of households
Business & Insurance$20.1T
Private Business$16.0T
15% of households
Life Insurance$2.2T
16% of households
RSUs & Equity Comp$2.1T
8% of households
Total Assets $181.6T
Ownership %: Federal Reserve SCF, 2022
Liabilities
Housing Debt$14.8T
Mortgages$13.77T
42% of households
HELOCs$434B
4% of households
HELOANs$562B
~3% of households
Consumer Credit$3.6T
Vehicle Loans$1.67T
35% of households
Credit Cards$1.33T
45% of households
Personal Loans$276B
19% of households
Vehicle Leases$209B
~10% of households
BNPL Debt$70B
~17% of households
Education & Health$2.1T
Student Loans$1.66T
22% of households
Medical Debt$194B
~14% of households
Deferred Medical$200B
~36% of households
Other Debt$2.2T
Margin Loans & SBLOCs$1.23T
~4% of households
Personal Guarantees$840B
~6% of households
Insurance Policy Loans$151B
~5% of households
Total Liabilities $20.9T
Holding %: Federal Reserve SCF 2022 & agency estimates
Net Worth
Overview By Percentile By Age
Cash Flow
Income Spending Taxes Debt Service Savings
Households
Overview By Age By Generation
Home / Households / By Generation

Households by Generation

Time series data on the number of U.S. households by generational birth cohort, derived from Census Bureau age-of-householder data. Each cohort is tracked over time as its members form and dissolve households.

Millennials overtook all other generations as the largest household cohort at 37.0M
Households by Generation
134.8M total 2025
Source: U.S. Census Bureau Table HH-3 · Derived from age-of-householder data, Current Population Survey
Silent Generation (Born 1928–1945)
12.8M 2025
Source: U.S. Census Bureau Table HH-3 · Derived from age-of-householder data
Baby Boomers (Born 1946–1964)
34.9M 2025
Source: U.S. Census Bureau Table HH-3 · Derived from age-of-householder data
Generation X (Born 1965–1980)
35.5M 2025
Source: U.S. Census Bureau Table HH-3 · Derived from age-of-householder data
Millennials (Born 1981–1996)
37.0M 2025
Source: U.S. Census Bureau Table HH-3 · Derived from age-of-householder data
Generation Z (Born 1997–2012)
13.8M 2025
Source: U.S. Census Bureau Table HH-3 · Derived from age-of-householder data

Households by Generational Cohort (2025)

Estimated number of households (in millions) by generational birth cohort of the householder.

Generation Birth Years Households (2025) Share of Total Peak
Silent Generation 1928–1945 12.8M 9.5% 25.4M (1986)
Baby Boomers 1946–1964 34.9M 25.9% 43.4M (2011)
Generation X 1965–1980 35.5M 26.3% 35.6M (2022)
Millennials 1981–1996 37.0M 27.5% 37.0M (2025)
Generation Z 1997–2012 13.8M 10.3% 13.8M (2025)

Note: Household counts are estimated by proportionally allocating Census age-bracket data to generational birth-year ranges. Totals may not sum exactly due to rounding and overlap at bracket boundaries.

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