Benchmarks · Income · 42–45 · NYC

Income for people aged 42–45 in New York City

Gross annual income from salary, bonus and other regular deposits.

Modeled estimate · federal survey data

Median

$177K

Upper quarter

$256K

Top 10%

$412K

Half of people aged 42–45 in New York City have a annual income above $176,640. Reaching the upper quarter takes about $256,212, and the top 10% starts at $412,464 — roughly 2.3× the median. The lower quarter sits below $118,500, and the bottom 10% is under $82,632.

The full distribution

Percentile	Income	What it means
Bottom 10%	$82,632	9 in 10 are above this
Lower quarter	$118,500	25th percentile
Median	$176,640	half above, half below
Upper quarter	$256,212	75th percentile
Top 10%	$412,464	only 1 in 10 is above this
Average (mean)	$194,304	pulled up by the top end — the median is the better "typical"

Where do you stand?

Connect your accounts and Keeping Up shows your exact percentile against people aged 42–45 in New York City — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

See where you stand →Free to start · no card required

Income by age in New York City

Age	Lower quarter	Median income	Upper quarter	Top 10%
22–25 →	$55K	$74K	$99K	$143K
26–29 →	$76K	$104K	$143K	$214K
30–33 →	$91K	$131K	$186K	$286K
34–37 →	$103K	$151K	$217K	$333K
38–41 →	$112K	$166K	$241K	$381K
42–45	$119K	$177K	$256K	$412K
46–50 →	$122K	$184K	$272K	$444K
50 and over →	$115K	$172K	$261K	$428K

Income at 42–45 by city

Metro	Lower quarter	Median income	Upper quarter	Top 10%
New York City	$119K	$177K	$256K	$412K
San Francisco →	$131K	$196K	$285K	$463K
Los Angeles →	$110K	$163K	$235K	$377K
Chicago →	$101K	$149K	$215K	$341K
Boston →	$108K	$160K	$231K	$369K
Washington, DC →	$110K	$163K	$235K	$377K
Seattle →	$115K	$171K	$248K	$398K
Austin →	$102K	$152K	$219K	$348K

More for people aged 42–45 in New York City

Net worth →Retirement savings →Investments →Savings rate →Monthly spending →

Common questions

What is the median annual income for people aged 42–45 in New York City?

The median annual income for people aged 42–45 in New York City is $176,640. Half of this group is above that figure and half below.

What annual income puts you in the top 10% of people aged 42–45 in New York City?

About $412,464. The 90th percentile is the level only one in ten people in this group exceeds — roughly 2.3× the median.

Where do these numbers come from?

They are modeled percentile distributions fitted to this cohort from federal survey microdata — the Federal Reserve's Survey of Consumer Finances, the BLS Consumer Expenditure Survey, Census ACS and BLS wage data — and they blend toward anonymized, aggregated data from Keeping Up members as each cohort grows. Full methodology at keepingup.com/methodology.

How this is built. Percentiles are modeled for this cohort from federal survey microdata — Federal Reserve Survey of Consumer Finances, BLS Consumer Expenditure Survey, Census American Community Survey and BLS Occupational Employment & Wage Statistics — with metro cost-of-living and wage adjustments. As Keeping Up members in this cohort grow, the band blends toward anonymized, aggregated live data (minimum cohort sizes apply; no individual is ever identifiable). Amounts are in current dollars. Read the full methodology.

Last updated June 2026. Cohort: people aged 42–45 in New York City. Model sample basis: 120.