Benchmarks · Income · 46–50

Income for people aged 46–50 in the U.S.

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

Modeled estimate · federal survey data

Median

$144K

Upper quarter

$210K

Top 10%

$336K

Half of people aged 46–50 in the U.S. have a annual income above $144,000. Reaching the upper quarter takes about $210,000, and the top 10% starts at $336,000 — roughly 2.3× the median. The lower quarter sits below $96,000, and the bottom 10% is under $67,200.

The full distribution

Percentile	Income	What it means
Bottom 10%	$67,200	9 in 10 are above this
Lower quarter	$96,000	25th percentile
Median	$144,000	half above, half below
Upper quarter	$210,000	75th percentile
Top 10%	$336,000	only 1 in 10 is above this
Average (mean)	$158,400	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 46–50 in the U.S. — 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

Age	Lower quarter	Median income	Upper quarter	Top 10%
22–25 →	$43K	$58K	$77K	$108K
26–29 →	$60K	$82K	$110K	$162K
30–33 →	$72K	$102K	$144K	$216K
34–37 →	$82K	$118K	$168K	$252K
38–41 →	$89K	$130K	$186K	$288K
42–45 →	$94K	$138K	$198K	$312K
46–50	$96K	$144K	$210K	$336K
50 and over →	$91K	$134K	$202K	$324K

Income at 46–50 by city

Metro	Lower quarter	Median income	Upper quarter	Top 10%
New York City →	$122K	$184K	$272K	$444K
San Francisco →	$134K	$204K	$303K	$498K
Los Angeles →	$112K	$170K	$250K	$406K
Chicago →	$103K	$156K	$228K	$367K
Boston →	$111K	$167K	$245K	$398K
Washington, DC →	$112K	$170K	$250K	$406K
Seattle →	$118K	$179K	$263K	$429K
Austin →	$105K	$158K	$232K	$375K

National figures above; metro pages adjust for local incomes and housing costs.

More for people aged 46–50 in the U.S.

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

Common questions

What is the median annual income for people aged 46–50 in the U.S.?

The median annual income for people aged 46–50 in the U.S. is $144,000. Half of this group is above that figure and half below.

What annual income puts you in the top 10% of people aged 46–50 in the U.S.?

About $336,000. 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 46–50 in the U.S.. Model sample basis: 500.