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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

Households

Time series data on U.S. household count, size, age of householder, and formation trends.

134.8M U.S. households in 2025, average size steady at 2.51 persons
Total U.S. Households
134.8M 2025
Source: U.S. Census Bureau (FRED TTLHH) · Current Population Survey, Annual
Average Persons per Household
2.51 2025
Source: U.S. Census Bureau Table HH-6 · Current Population Survey
Average Age of Householder
52.2 yr 2024
Source: BLS Consumer Expenditure Survey · Age of Reference Person, All Consumer Units
Household Formation (Year-over-Year Change)
+2.6M 2025
Source: U.S. Census Bureau (FRED TTLHH) · Year-over-year change in total households

Household Statistics Overview

Key household metrics from the Census Bureau and Bureau of Labor Statistics.

Metric Value As Of Source
Total U.S. Households 134.8 Million 2025 Census / FRED
Average Persons per Household 2.51 2025 Census HH-6
Average Age of Householder 52.2 Years 2024 BLS / CEX
Household Formation (Annual) +2.6M 2025 Census / FRED
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