Retirement savings for people aged 38–41 in Austin
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 38–41 in Austin have a retirement savings above $10,304. Reaching the upper quarter takes about $113,200, and the top 10% starts at $393,040 — roughly 38.1× the median. The lower quarter sits below $0, and the bottom 10% is under $0.
The full distribution
| Percentile | Retirement savings | What it means |
|---|---|---|
| Bottom 10% | $0 | 9 in 10 are above this |
| Lower quarter | $0 | 25th percentile |
| Median | $10,304 | half above, half below |
| Upper quarter | $113,200 | 75th percentile |
| Top 10% | $393,040 | only 1 in 10 is above this |
| Average (mean) | $12,880 | pulled up by the top end — the median is the better "typical" |
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Retirement savings by age in Austin
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 → | $0 | $0 | $4,528 | $22K |
| 26–29 → | $0 | $1,120 | $24K | $69K |
| 30–33 → | $0 | $3,472 | $44K | $148K |
| 34–37 → | $0 | $2,688 | $74K | $260K |
| 38–41 | $0 | $10K | $113K | $393K |
| 42–45 → | $0 | $25K | $174K | $561K |
| 46–50 → | $0 | $36K | $226K | $786K |
| 50–54 → | $0 | $35K | $249K | $1.1M |
| 55–59 → | $0 | $38K | $340K | $1.2M |
| 60–64 → | $0 | $43K | $385K | $1.4M |
| 65 and over → | $0 | $0 | $289K | $1.4M |
Retirement savings at 38–41 by city
| Metro | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| New York City → | $0 | $12K | $133K | $473K |
| San Francisco → | $0 | $13K | $150K | $539K |
| Los Angeles → | $0 | $11K | $122K | $428K |
| Chicago → | $0 | $10K | $111K | $384K |
| Boston → | $0 | $11K | $120K | $420K |
| Washington, DC → | $0 | $11K | $122K | $428K |
| Seattle → | $0 | $11K | $124K | $437K |
| Austin | $0 | $10K | $113K | $393K |
More for people aged 38–41 in Austin
Common questions
How this is built. Percentiles are modeled for this cohort from federal survey microdata — the Federal Reserve's 2025 Survey of Consumer Finances (released October 2026), the BLS Consumer Expenditure Survey (2024), the Census American Community Survey and BLS Occupational Employment & Wage Statistics (May 2025) — 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). Seeded figures are household-level, as in the SCF; live cohorts are individual-level. Amounts are in current dollars. Read the full methodology.
Last updated October 2026. Cohort: people aged 38–41 in Austin. Model sample basis: 120.