Benchmarks · Net worth · 42–45 · NYC

Net worth for people aged 42–45 in New York City

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

Modeled estimate · federal survey data

Median

$286K

Upper quarter

$688K

Top 10%

$1.3M

Half of people aged 42–45 in New York City have a net worth above $286,000. Reaching the upper quarter takes about $688,480, and the top 10% starts at $1,347,500 — roughly 4.7× the median. The lower quarter sits below $82,940, and the bottom 10% is under $10,040.

The full distribution

Percentile	Net worth	What it means
Bottom 10%	$10,040	9 in 10 are above this
Lower quarter	$82,940	25th percentile
Median	$286,000	half above, half below
Upper quarter	$688,480	75th percentile
Top 10%	$1,347,500	only 1 in 10 is above this
Average (mean)	$371,800	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

Net worth by age in New York City

Age	Lower quarter	Median net worth	Upper quarter	Top 10%
22–25 →	$1,276	$16K	$50K	$113K
26–29 →	$6,380	$42K	$113K	$248K
30–33 →	$19K	$85K	$212K	$468K
34–37 →	$36K	$137K	$344K	$715K
38–41 →	$57K	$208K	$516K	$1.0M
42–45	$83K	$286K	$688K	$1.3M
46–50 →	$112K	$377K	$861K	$1.6M
50 and over →	$153K	$494K	$1.1M	$2.2M

Net worth at 42–45 by city

Metro	Lower quarter	Median net worth	Upper quarter	Top 10%
New York City	$83K	$286K	$688K	$1.3M
San Francisco →	$92K	$319K	$773K	$1.5M
Los Angeles →	$77K	$264K	$632K	$1.2M
Chicago →	$71K	$242K	$576K	$1.1M
Boston →	$76K	$260K	$621K	$1.2M
Washington, DC →	$77K	$264K	$632K	$1.2M
Seattle →	$78K	$268K	$644K	$1.2M
Austin →	$72K	$246K	$587K	$1.1M

More for people aged 42–45 in New York City

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

Common questions

What is the median net worth for people aged 42–45 in New York City?

The median net worth for people aged 42–45 in New York City is $286,000. Half of this group is above that figure and half below.

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

About $1,347,500. The 90th percentile is the level only one in ten people in this group exceeds — roughly 4.7× 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.