Benchmarks · Net worth · 46–50

Net worth for people aged 46–50 in the U.S.

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

Modeled estimate · federal survey data
Median
$290K
Upper quarter
$650K
Top 10%
$1.2M

Half of people aged 46–50 in the U.S. have a net worth above $290,000. Reaching the upper quarter takes about $650,000, and the top 10% starts at $1,200,000 — roughly 4.1× the median. The lower quarter sits below $88,000, and the bottom 10% is under $12,000.

The full distribution

PercentileNet worthWhat it means
Bottom 10%$12,0009 in 10 are above this
Lower quarter$88,00025th percentile
Median$290,000half above, half below
Upper quarter$650,00075th percentile
Top 10%$1,200,000only 1 in 10 is above this
Average (mean)$377,000pulled 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

Net worth by age

AgeLower quarterMedian net worthUpper quarterTop 10%
22–25 →$1,000$12K$38K$82K
26–29 →$5,000$32K$85K$180K
30–33 →$15K$65K$160K$340K
34–37 →$28K$105K$260K$520K
38–41 →$45K$160K$390K$750K
42–45 →$65K$220K$520K$980K
46–50$88K$290K$650K$1.2M
50 and over →$120K$380K$820K$1.6M

Net worth at 46–50 by city

MetroLower quarterMedian net worthUpper quarterTop 10%
New York City →$112K$377K$861K$1.6M
San Francisco →$124K$421K$966K$1.9M
Los Angeles →$104K$348K$790K$1.5M
Chicago →$96K$319K$720K$1.4M
Boston →$103K$342K$776K$1.5M
Washington, DC →$104K$348K$790K$1.5M
Seattle →$106K$354K$804K$1.5M
Austin →$98K$325K$734K$1.4M

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

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

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

Common questions

What is the median net worth for people aged 46–50 in the U.S.?
The median net worth for people aged 46–50 in the U.S. is $290,000. Half of this group is above that figure and half below.
What net worth puts you in the top 10% of people aged 46–50 in the U.S.?
About $1,200,000. The 90th percentile is the level only one in ten people in this group exceeds — roughly 4.1× 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.