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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 / Net Worth / Overview

Net Worth Overview

Time series data on total U.S. household net worth, average net worth per household, year-over-year growth, and the number of millionaires, from 2000 to present.

Net worth rose $2.5T in Q4 2025 to $184.1T, adding to a record year of wealth gains
Data View Commentary →
U.S. Household Net Worth
$184.11T Q4 2025
Source: FRED TNWBSHNO · Federal Reserve Z.1 Financial Accounts
Average Net Worth per Household
$1.37M Q4 2025
Source: FRED TNWBSHNO / TTLHH · Federal Reserve Z.1 & Census Bureau
Avg. Net Worth per Household, Year-over-Year Change
+6.9% Q4 2025
Source: FRED TNWBSHNO / TTLHH · Computed YoY % change
U.S. Millionaires
24.5M 2025
Source: UBS Global Wealth Report / Credit Suisse · Adults with net worth ≥$1M

Complete Data

All net worth metrics at a glance.

Metric Value As Of Source
US Total Household Net Worth $184.11 Trillion Q4 2025 FRED TNWBSHNO
Average Net Worth per Household $1.37 Million Q4 2025 FRED TNWBSHNO / TTLHH
Top 1% Wealth Share 31.7% Q4 2025 FRED WFRBST01134
Bottom 50% Wealth Share 2.5% Q4 2025 FRED WFRBSB50215
Global Total Wealth $471 Trillion End 2024 UBS Global Wealth Report
U.S. Millionaire Adults 24.5 Million 2025 UBS Global Wealth Report
Great Wealth Transfer (25-yr) $124 Trillion Dec 2025 Cerulli Associates

Historical Net Worth Milestones

Key snapshots of U.S. household net worth from 2000 to present.

Period Net Worth Context Source
2000 ~$42 Trillion Dot-com peak era Fed Z.1
2007 (Pre-Crisis) ~$67 Trillion Pre-GFC peak Fed Z.1
2009 (Trough) ~$54 Trillion Post-GFC trough Fed Z.1
Q4 2025 $184.1 Trillion Current FRED TNWBSHNO
25-Year Growth 4.3x 2000–2025 multiple Fed Z.1