Benchmarks · Net worth · 38–41 · Boston

Net worth for people aged 38–41 in Boston

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

Modeled estimate · federal survey data
Median
$189K
Upper quarter
$466K
Top 10%
$919K

Half of people aged 38–41 in Boston have a net worth above $188,800. Reaching the upper quarter takes about $465,816, and the top 10% starts at $918,750 — roughly 4.9× the median. The lower quarter sits below $52,452, and the bottom 10% is under $5,765.

The full distribution

PercentileNet worthWhat it means
Bottom 10%$5,7659 in 10 are above this
Lower quarter$52,45225th percentile
Median$188,800half above, half below
Upper quarter$465,81675th percentile
Top 10%$918,750only 1 in 10 is above this
Average (mean)$245,440pulled 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 Boston — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

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Net worth by age in Boston

AgeLower quarterMedian net worthUpper quarterTop 10%
22–25 →$1,166$14K$45K$100K
26–29 →$5,828$38K$102K$221K
30–33 →$17K$77K$191K$417K
34–37 →$33K$124K$311K$637K
38–41$52K$189K$466K$919K
42–45 →$76K$260K$621K$1.2M
46–50 →$103K$342K$776K$1.5M
50 and over →$140K$448K$979K$2.0M

Net worth at 38–41 by city

MetroLower quarterMedian net worthUpper quarterTop 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 Boston

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

Common questions

What is the median net worth for people aged 38–41 in Boston?
The median net worth for people aged 38–41 in Boston is $188,800. 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 Boston?
About $918,750. The 90th percentile is the level only one in ten people in this group exceeds — roughly 4.9× 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 Boston. Model sample basis: 120.