US Data · 2026
US Net Worth Percentiles — What Percentile Is $1M, $5M or $10M?
The Federal Reserve's household wealth ladder, plus a straight lookup for any amount from $250,000 to $50 million — and how the answer changes with age.
Where do you stand?
Type your household net worth — assets minus debts, home equity included.
Written by Ada, Richify's AI Financial Health Assessor — an AI author, presented as one · our editorial standards
US household net worth percentiles (Survey of Consumer Finances 2025): median $215,900 · top 25% from $812,500 · top 10% from $2.55M · top 5% from $4.91M · top 1% from $16.46M. A $1 million net worth sits around the 78th percentile; $5 million around the 95th; $10 million around the 98th.
Short answer
The middle American household holds $215,900. The top 10% starts at about $2.55 million, the top 5% at $4.91M, and the top 1% at $16.46M. So $1 million — the number most people ask about — is around the 78th percentile: well above typical, nowhere near the top 1%. For your own exact position by age, use the net worth percentile calculator.
US net worth percentiles: the full ladder
Household net worth thresholds — all ages, home equity included. The median is the Fed's published figure; the other thresholds are derived from the same survey's public microdata.
| Percentile | Net worth | What it looks like |
|---|---|---|
| 25th | $27,800 | A quarter of US households hold less than this — many young households and renters sit here. |
| 50th (median) | $215,900 | The middle American household. Half hold more, half less — for most, home equity is the largest slice. |
| 75th | $812,500 | One household in four holds more. Typically a paid-down home plus meaningful retirement accounts. |
| 90th | $2,550,300 | The top 10% starts at about $2.55 million. |
| 95th | $4,907,400 | The top 5% line — nearly double the top-10% line, at about $4.9 million. |
| 99th | $16,463,300 | The top 1% starts at about $16.5 million. |
Source: Federal Reserve, Survey of Consumer Finances 2025. Percentile thresholds other than the median are Richify calculations from the Federal Reserve's SCF 2025 public microdata (summary extract, weighted, averaged across the five implicates); the Fed publishes the all-families median and mean, not a percentile ladder. Microdata analysis.
Not a round number? Find your exact percentile ↑What percentile is a $1 million to $50 million net worth?
The direct lookup: pick your amount, read off where it lands among all US households. Figures marked ≈ are Richify calculations from the survey's public microdata, rounded.
| Net worth | Percentile | Households above | That's… |
|---|---|---|---|
| $250,000 | ≈ 53rd | ≈ 47% | ≈ 1 in 2 holds more |
| $500,000 | ≈ 67th | ≈ 33% | ≈ 1 in 3 holds more |
| $750,000 | ≈ 74th | ≈ 26% | ≈ 1 in 4 holds more |
| $1 million | ≈ 78th | ≈ 22% | ≈ 1 in 5 holds more |
| $1.5 million | ≈ 85th | ≈ 15% | ≈ 1 in 7 holds more |
| $2 million | ≈ 88th | ≈ 12% | ≈ 1 in 8 holds more |
| $3 million | ≈ 92nd | ≈ 8% | ≈ 1 in 12 holds more |
| $3.5 million | ≈ 93rd† | ≈ 7% | ≈ 1 in 14 holds more |
| $4 million | ≈ 94th | ≈ 6% | ≈ 1 in 16 holds more |
| $5 million | ≈ 95th | ≈ 5% | ≈ 1 in 20 holds more |
| $6 million | ≈ 96th† | ≈ 4% | ≈ 1 in 25 holds more |
| $7 million | ≈ 97th | ≈ 3% | ≈ 1 in 31 holds more |
| $8 million | ≈ 97th† | ≈ 3% | ≈ 1 in 36 holds more |
| $10 million | ≈ 98th | ≈ 2% | ≈ 1 in 50 holds more |
| $15 million | ≈ top 1.1% | ≈ 1.1% | ≈ 1 in 89 holds more |
| $16.5 million | 99th | 1% | 1 in 100 holds more |
| $20 million | ≈ top 0.7% | ≈ 0.7% | ≈ 1 in 150 holds more |
| $50 million | ≈ top 0.16% | ≈ 0.16% | ≈ 1 in 640 holds more |
Rows marked ≈ are Richify calculations from the Federal Reserve's SCF 2025 public microdata (the share of households above each amount), rounded. The top rows rest on few households, so treat $20 million and above as indicative. Rows marked † ($3.5, $6 and $8 million) are interpolated between those direct points, the same method as the widget, so read them as estimates.
$1 million and $5 million net worth percentile by age
The all-households answer hides a strong age effect: wealth keeps rising into the 75+ band, so the same dollar amount ranks far higher among younger households. A $1 million net worth is around the top 2% of households under 35 — but only around the top 34% of households aged 75 and over.
| Age band | $1 million ranks in the… | $5 million ranks in the… |
|---|---|---|
| Under 35 | top ~2% | top ~0.1% |
| 35–44 | top ~13% | top ~2% |
| 45–54 | top ~24% | top ~5% |
| 55–64 | top ~32% | top ~7% |
| 65–74 | top ~31% | top ~8% |
| 75+ | top ~34% | top ~8% |
Richify calculation from the Federal Reserve's SCF 2025 public microdata — the direct share of households in each age band above $1 million and $5 million, rounded. Small cells (under-35s above $5 million) rest on few households. Full by-age data: average net worth by age.
How these percentiles are calculated
What comes from where, stated plainly because most pages on this topic blur it:
- Published: the median ($215,900) and mean ($1,241,500) come straight from the Federal Reserve's SCF 2025 bulletin (released 9 October 2026, 2025 dollars).
- Richify calculation from the microdata: the 25th/75th/90th/95th/99th thresholds are computed from the Fed's SCF 2025 public summary extract (SCFP2025), weighted and averaged across the survey's five implicates — the Fed's own method. The Fed releases the data but does not publish this ladder itself. Run on the 2022 file, the same code reproduces the previously published 2022 ladder.
- Amount lookups (marked ≈): the share of households above each round amount is read directly from the same microdata — no interpolation or curve-fitting — then rounded. The top rows rest on few households and the public file blurs extreme values, so treat $20 million and above as indicative. The personal check at the top of the page interpolates between these direct points.
The SCF is fielded every three years and this ladder is the 2025 survey (released 9 October 2026, 2025 dollars), so treat it as the latest measured baseline: asset prices have moved since, which may shift every threshold somewhat. One definitional point worth repeating — this is household net worth including home equity, not individual investable assets.
Find your own percentile
The tables above answer round numbers. Your number probably isn't round. Free tools, no signup.
- Net worth percentile calculator — enter your age and exact net worth for your percentile within your age band.
- Net worth calculator — add up assets and debts properly first if you haven't.
- Average net worth by age — the Fed's median and mean by age band, the companion view to this ladder.
- Top 1% net worth — a closer look at the $16.46M line and what sits above it.
- Top 10% net worth — the $2.55M line by age.
- How wealthy am I for my age? (quiz) — two brackets, no exact figures, plus a three-question retirement check.
- UK net worth percentiles — the same ladder for Great Britain, from ONS data.
Frequently asked questions
What net worth percentile is $1 million in the US?+
Roughly the 78th percentile of US households — about 22% of households, or one in five, hold more. That is a Richify calculation from the Federal Reserve's Survey of Consumer Finances 2025 public microdata; the Fed puts the median household at $215,900, and the same microdata puts the top-10% line at $2,550,300. $1 million is comfortably above the middle but well short of the top 10%. Note this is household net worth including home equity, so a $1M figure that is mostly a paid-off house sits at the same percentile as $1M of investments.
What percentile is a $5 million net worth?+
Approximately the 95th percentile — about 5% of US households, roughly one in 20, hold more. $5 million sits just above the SCF 2025 top-5% line ($4.91M) and far below the top-1% line ($16.46M). By age the picture shifts: $5 million is around the top ~2% of households aged 35-44 (and the top ~0.1% under 35), but only the top ~8% of households aged 65 and over, because wealth keeps building late in life.
What percentile is a $6 million or $8 million net worth?+
About the 96th percentile for $6 million, with roughly one US household in 25 holding more, and about the 97th for $8 million, roughly one in 36. These two are Richify estimates, interpolated between the direct SCF 2025 microdata points at $4.9 million, $7 million and $10 million, so treat them as approximate.
What net worth puts you in the top 1% in the US?+
About $16.46M (Richify calculation from the SCF 2025 public microdata). The top 10% starts at $2.55M and the top 5% at $4.91M — so the top 1% line is roughly six and a half times the top-10% line. Above it the distribution stretches even harder: a $20 million household is still only around the top 0.7%, and $50 million around the top 0.16% (direct microdata shares that rest on few households, so treat them as indicative).
What is the median net worth in the US?+
$215,900 per household (Federal Reserve SCF 2025, 2025 dollars) — half of US households hold more, half less. The mean is far higher at $1,241,500, roughly 5.7 times the median, because a small number of very wealthy households pulls the average up. When you compare yourself, use the median or the percentile ladder, never the mean.
Do these percentiles include home equity?+
Yes. The SCF measures household net worth: all assets (home, retirement accounts, brokerage, business equity, vehicles, cash) minus all debts (mortgage, loans, cards). For most households in the middle of the distribution, home equity is the single largest component. There is no official Fed ladder that excludes the primary residence; excluding it would push each threshold down and move a renter with $500K of investments up the rankings relative to these figures.
How current are these numbers, and why do they say SCF 2025?+
The Survey of Consumer Finances is the Fed's triennial household wealth survey; this ladder is built on the 2025 round (released 9 October 2026), in 2025 dollars. The median and mean are the Fed's published figures; the other thresholds are Richify calculations from the same survey's public microdata. Asset prices have moved since 2025, so today's thresholds may differ somewhat — treat these as the latest measured baseline rather than a live reading. We state the survey year on every figure instead of relabelling old data as current.
