Benchmarks · Net worth · 22–25 · SF

Net worth for people aged 22–25 in San Francisco

Total assets minus total debts — bank accounts, investments, retirement accounts and home equity, less mortgages, loans and cards.

Modeled estimate · federal survey data
Median
$17K
Upper quarter
$56K
Top 10%
$128K

Half of people aged 22–25 in San Francisco have a net worth above $17,400. Reaching the upper quarter takes about $56,468, and the top 10% starts at $128,125 — roughly 7.4× the median. The lower quarter sits below $1,414, and the bottom 10% is negative — more owed than owned.

The full distribution

PercentileNet worthWhat it means
Bottom 10%−$11,0609 in 10 are above this
Lower quarter$1,41425th percentile
Median$17,400half above, half below
Upper quarter$56,46875th percentile
Top 10%$128,125only 1 in 10 is above this
Average (mean)$22,620pulled 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 22–25 in San Francisco — 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

Net worth by age in San Francisco

AgeLower quarterMedian net worthUpper quarterTop 10%
22–25$1,414$17K$56K$128K
26–29 →$7,070$46K$126K$281K
30–33 →$21K$94K$238K$531K
34–37 →$40K$152K$386K$813K
38–41 →$64K$232K$580K$1.2M
42–45 →$92K$319K$773K$1.5M
46–50 →$124K$421K$966K$1.9M
50 and over →$170K$551K$1.2M$2.5M

Net worth at 22–25 by city

MetroLower quarterMedian net worthUpper quarterTop 10%
New York City →$1,276$16K$50K$113K
San Francisco$1,414$17K$56K$128K
Los Angeles →$1,184$14K$46K$103K
Chicago →$1,092$13K$42K$92K
Boston →$1,166$14K$45K$100K
Washington, DC →$1,184$14K$46K$103K
Seattle →$1,202$15K$47K$105K
Austin →$1,110$13K$43K$94K

More for people aged 22–25 in San Francisco

Income →Retirement savings →Investments →Savings rate →Monthly spending →

Common questions

What is the median net worth for people aged 22–25 in San Francisco?
The median net worth for people aged 22–25 in San Francisco is $17,400. Half of this group is above that figure and half below.
What net worth puts you in the top 10% of people aged 22–25 in San Francisco?
About $128,125. The 90th percentile is the level only one in ten people in this group exceeds — roughly 7.4× 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 22–25 in San Francisco. Model sample basis: 120.