Median net worth for Americans under 35 fell 23% in just three years
Median net worth of U.S. households under 35 fell 23% from 2022 to 2025 (real)
Keeping Up's benchmark data shows the median net worth for U.S. households under 35 dropped 23% between 2022 and 2025 in real terms. For people aged 30–33, the median sits at $68,000, while the top 10% starts at $440,000 — about 6.5 times higher. The bottom 10% is actually negative, owing more than they own. Figures are modeled from Federal Reserve survey data and blend toward anonymized member data over time.
The lower quarter sits below $7,100, and the bottom 10% is negative — more owed than owned.
- Fripplebubby
I find this to be an incredibly irritating way to present this data. Why the obsession with finding out where I fall in the distribution? Why prompt me to sign up for email? Do you have anything to say, or is this like a BuzzFeed quiz?
- irjustin
One thing it doens't do is account for cost of living for a given city. Sure it looks nice that NYC, SF is higher than everyone else but I'm sure there's a very large group living in LCL areas that have far less stress compared to the bigger cities when it comes to budgeting.
- subtextminer
I'm in Austin and money goes seriously far compared to the seven cities above it. There's a 2015-built home on Zillow for $199,000 1346 sq ft just 2 miles from the Tesla factory.
- etothepii
Are student loans excluded from this data? Can't imagine that the 10% line is only at -$10k in that scenario.
- oefrha
This is a generic comment of course, but anyone else feeling immediate distrust when data is presented in an obvious vibe design (I have "built" sites with that exact font combo and general vibe ffs). Ideally one should distrust any data on random websites to begin with, but at least my human psychology deducted many extra points here.
- anubistheta
Households is an interesting metric to choose.
If fewer people get married, then average household would have fewer people.
But I don't see data for 2022 on the page?
I searched for "2022" and found nothing?
What makes it odd to me is that real median incomes for both individuals and households rose 6.2% over that period. That includes all people, but what I can find specifically on younger people is even more optimistic.
https://fortune.com/2026/09/22/gen-z-wealth-income-vs-boomer...
https://fred.stlouisfed.org/series/mehoinusa672n#
https://fred.stlouisfed.org/series/MEPAINUSA672N
Edit: someone linked the data below.
Seems like 2022 was an outlier.
All numbers in 2025 dollars.
2019 17.8k
2022 42.7k
2025 32.8k
So from 2019 to 2025, median net wealth for people under 35 increased by 84%.
https://www.federalreserve.gov/econres/scf/dataviz/scf/chart...
- robertclaus
Ugh. "This page is the cohort. An account puts you on it."
- ph4rsikal
I suppose that's what happens if demand goes up for external reasons while supply doesn't follow.