Benchmarks · Net worth · 38–41 · Austin

Net worth for people aged 38–41 in Austin

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

Modeled estimate · federal survey data

Median

$179K

Upper quarter

$441K

Top 10%

$863K

Half of people aged 38–41 in Austin have a net worth above $179,200. Reaching the upper quarter takes about $440,544, and the top 10% starts at $862,500 — roughly 4.8× the median. The lower quarter sits below $49,968, and the bottom 10% is under $5,510.

The full distribution

Percentile	Net worth	What it means
Bottom 10%	$5,510	9 in 10 are above this
Lower quarter	$49,968	25th percentile
Median	$179,200	half above, half below
Upper quarter	$440,544	75th percentile
Top 10%	$862,500	only 1 in 10 is above this
Average (mean)	$232,960	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 38–41 in Austin — 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 Austin

Age	Lower quarter	Median net worth	Upper quarter	Top 10%
22–25 →	$1,110	$13K	$43K	$94K
26–29 →	$5,552	$36K	$96K	$207K
30–33 →	$17K	$73K	$181K	$391K
34–37 →	$31K	$118K	$294K	$598K
38–41	$50K	$179K	$441K	$863K
42–45 →	$72K	$246K	$587K	$1.1M
46–50 →	$98K	$325K	$734K	$1.4M
50 and over →	$133K	$426K	$926K	$1.8M

Net worth at 38–41 by city

Metro	Lower quarter	Median net worth	Upper quarter	Top 10%
New York City →	$57K	$208K	$516K	$1.0M
San Francisco →	$64K	$232K	$580K	$1.2M
Los Angeles →	$53K	$192K	$474K	$938K
Chicago →	$49K	$176K	$432K	$844K
Boston →	$52K	$189K	$466K	$919K
Washington, DC →	$53K	$192K	$474K	$938K
Seattle →	$54K	$195K	$483K	$956K
Austin	$50K	$179K	$441K	$863K

More for people aged 38–41 in Austin

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

Common questions

What is the median net worth for people aged 38–41 in Austin?

The median net worth for people aged 38–41 in Austin is $179,200. Half of this group is above that figure and half below.

What net worth puts you in the top 10% of people aged 38–41 in Austin?

About $862,500. The 90th percentile is the level only one in ten people in this group exceeds — roughly 4.8× 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 38–41 in Austin. Model sample basis: 120.