Retirement savings for people aged 42–45 in Houston
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 42–45 in Houston have a retirement savings above $21,780. Reaching the upper quarter takes about $152,460, and the top 10% starts at $480,150 — roughly 22.0× 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 | $21,780 | half above, half below |
| Upper quarter | $152,460 | 75th percentile |
| Top 10% | $480,150 | only 1 in 10 is above this |
| Average (mean) | $27,225 | pulled up by the top end — the median is the better "typical" |
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Retirement savings by age in Houston
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 → | $0 | $0 | $3,960 | $19K |
| 26–29 → | $0 | $990 | $21K | $59K |
| 30–33 → | $0 | $3,069 | $39K | $127K |
| 34–37 → | $0 | $2,376 | $64K | $223K |
| 38–41 → | $0 | $9,108 | $99K | $337K |
| 42–45 | $0 | $22K | $152K | $480K |
| 46–50 → | $0 | $32K | $198K | $673K |
| 50–54 → | $0 | $31K | $218K | $921K |
| 55–59 → | $0 | $34K | $297K | $1.0M |
| 60–64 → | $0 | $38K | $337K | $1.2M |
| 65 and over → | $0 | $0 | $252K | $1.2M |
Retirement savings at 42–45 by city
| Metro | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| New York City → | $0 | $29K | $205K | $674K |
| San Francisco → | $0 | $32K | $230K | $769K |
| Los Angeles → | $0 | $26K | $188K | $611K |
| Chicago → | $0 | $24K | $171K | $548K |
| Boston → | $0 | $26K | $184K | $598K |
| Washington, DC → | $0 | $26K | $188K | $611K |
| Seattle → | $0 | $27K | $191K | $624K |
| Austin → | $0 | $25K | $174K | $561K |
More for people aged 42–45 in Houston
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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 42–45 in Houston. Model sample basis: 120.