Total Personal Income
$26.5T
Q4 2025
Source: FRED PI · Bureau of Economic Analysis · Quarterly SAAR, 2000–2025
Income by Source
Estimated annual household income by asset class. Values in billions, seasonally adjusted annual rates where available.
| SOURCE | EST. ANNUAL INCOME | AS OF | SOURCE |
|---|---|---|---|
| Private Business Income | $2.1T | Q4 2025 | FRED A041RC1 |
| Stocks & Equities Income | $1.2T | Q4 2025 | FRED A067RC1 |
| Retirement Account Distributions | $1.1T | Q4 2025 | ICI / IRS SOI |
| Total Gross Rental Income | $776.7B | 2025 | FRED DTENRC1A027NBEA |
| Bonds & Fixed Income Interest | $720B | Q4 2025 | FRED PIROA |
| RSU & Equity Compensation Income | $420B | Q4 2025 | BEA / SEC Filings |
| Cash & Deposits Interest Income | $360B | Q4 2025 | FRED PIROA |
| Commercial Real Estate Income | $100B | Q4 2025 | Nareit / BEA |
| 529 Plan Distributions | $64B | Q4 2025 | ICI / College Savings Plans Network |
| Life Insurance Cash Value Earnings | $40B | Q4 2025 | ACLI / Federal Reserve |
| Mineral Rights Royalty Income | $32B | Q4 2025 | IRS SOI |
| HSA Investment Earnings | $6.5B | Q4 2025 | Devenir HSA Research |
Private Business Income
Proprietors’ income with inventory valuation and capital consumption adjustments, income from sole proprietorships, partnerships, and S-corporations.
$2.1T
Q4 2025
Source: FRED A041RC1 · Bureau of Economic Analysis
Private Business Income per Household
Average annual proprietors' income per U.S. household, calculated by dividing total private business income by the number of households.
Source: FRED TTLHH · U.S. Census Bureau
Stocks & Equities Income
Personal dividend income received by U.S. households from equity holdings, including mutual fund distributions.
$1.2T
Q4 2025
Source: FRED A067RC1 · Bureau of Economic Analysis
Stocks & Equities Income per Household
Average annual dividend income per U.S. household from equity holdings and mutual fund distributions.
Source: FRED TTLHH · U.S. Census Bureau
Retirement Account Distributions
Total distributions from 401(k), 403(b), Traditional & Roth IRAs, and other defined-contribution plans received by U.S. households.
$1.1T
Q4 2025
Source: ICI / IRS SOI · Bureau of Economic Analysis
Retirement Distributions per Household
Average annual retirement account distributions per U.S. household, from 401(k), 403(b), and IRA withdrawals.
Source: FRED TTLHH · U.S. Census Bureau
Total Annual Gross Rental Income
Total rent paid by tenants for nonfarm housing, the gross cash rental income collected by U.S. landlords before expenses.
$776.7B
2025
Source: FRED DTENRC1A027NBEA · Bureau of Economic Analysis · Annual, 2000–2025
Gross Rental Income per Household
Average annual gross tenant-paid rent per U.S. household.
Source: FRED TTLHH · U.S. Census Bureau
Bonds & Fixed Income Interest
Personal interest income from Treasury securities, corporate bonds, municipal bonds, and other fixed-income holdings.
$720B
Q4 2025
Source: FRED PIROA · Bureau of Economic Analysis
Bond Interest Income per Household
Average annual bond and fixed income interest per U.S. household from Treasury, corporate, and municipal bond holdings.
Source: FRED TTLHH · U.S. Census Bureau
RSU & Equity Compensation Income
Stock-based compensation income received by employees, including restricted stock units (RSUs), stock options, and ESPP distributions.
$420B
Q4 2025
Source: BEA / SEC Filings · Bureau of Economic Analysis
RSU & Equity Comp Income per Household
Average annual stock-based compensation income per U.S. household, including RSUs, stock options, and ESPP distributions.
Source: FRED TTLHH · U.S. Census Bureau
Cash & Deposits Interest Income
Interest income earned by U.S. households on bank deposits, certificates of deposit, and money market funds.
$360B
Q4 2025
Source: FRED PIROA · Bureau of Economic Analysis
Cash & Deposits Interest per Household
Average annual interest income per U.S. household from bank deposits, CDs, and money market funds.
Source: FRED TTLHH · U.S. Census Bureau
Commercial Real Estate Income
Household income from commercial real estate, including REIT dividends and direct commercial rental income.
$100B
Q4 2025
Source: Nareit / BEA · Bureau of Economic Analysis
Commercial RE Income per Household
Average annual commercial real estate income per U.S. household, including REIT dividends and direct rental income.
Source: FRED TTLHH · U.S. Census Bureau
529 Plan Distributions
Total withdrawals from 529 education savings plans used for qualified education expenses by U.S. households.
$64B
Q4 2025
Source: ICI / College Savings Plans Network · Bureau of Economic Analysis
529 Plan Distributions per Household
Average annual 529 plan distributions per U.S. household for qualified education expenses.
Source: FRED TTLHH · U.S. Census Bureau
Life Insurance Cash Value Earnings
Dividends and credited interest earned on whole life, universal life, and variable life insurance cash values.
$40B
Q4 2025
Source: ACLI / Federal Reserve · Bureau of Economic Analysis
Life Insurance Earnings per Household
Average annual life insurance cash value earnings per U.S. household from whole life, universal life, and variable life policies.
Source: FRED TTLHH · U.S. Census Bureau
Mineral Rights Royalty Income
Royalty income from oil, gas, and mineral rights reported by individuals on IRS Schedule E. Highly sensitive to energy prices.
$32B
Q4 2025
Source: IRS SOI · Bureau of Economic Analysis
Mineral Royalty Income per Household
Average annual mineral rights royalty income per U.S. household from oil, gas, and mineral rights.
Source: FRED TTLHH · U.S. Census Bureau
HSA Investment Earnings
Investment earnings and interest income inside Health Savings Accounts held by U.S. households. HSAs started in 2004.
$6.5B
Q4 2025
Source: Devenir HSA Research · Bureau of Economic Analysis
HSA Earnings per Household
Average annual HSA investment earnings per U.S. household from interest and investment returns inside Health Savings Accounts.
Source: FRED TTLHH · U.S. Census Bureau
Aggregate Household Income Statement
Q4 2025 seasonally adjusted annual rates from BEA NIPA data. Quarterly SAAR values expressed as annualized trillions.
| Item | Amount | % of Income | Source |
|---|---|---|---|
| TOTAL GROSS REVENUE (Personal Income) | $26.5 Trillion | 100.0% | FRED PI |
| Wage & Salary Disbursements | $13.2T | 49.8% | FRED A576RC1 |
| Transfer Receipts (Social Security, etc.) | $5.1T | 19.1% | FRED PCTR |
| Asset Income (Dividends & Interest) | $4.2T | 16.0% | FRED PIROA |
| Proprietors’ Income | $2.1T | 8.0% | FRED A041RC1 |
| Rental Income | $1.1T | 4.2% | FRED A048RC1 |
| Other (Supplements, Adjustments) | $0.8T | 2.9% | BEA Table 2.1 |
| TOTAL OUTLAYS | ($25.6T) | 96.5% | BEA Table 2.1 |
| Personal Consumption (Goods & Services) | ($21.4T) | 80.6% | FRED PCE |
| Personal Current Taxes | ($3.3T) | 12.5% | FRED W055RC1 |
| Other Outlays (Interest, Transfers) | ($0.9T) | 3.4% | BEA Table 2.1 |
| NET INCOME (Personal Saving) | $0.9 Trillion | 3.5% | FRED PMSAVE |