Average net worth at age 30 (2026)
The median net worth for 30-year-olds in the U.S. is $65,767. The top 10% sits at $441,982 and the top 1% at $2,430,893.
Assets (cash, investments, home equity, retirement) − debts (mortgage, student loans, etc.)
At age 30, your net worth ranks
You are $0 above the median for 30-year-olds ($65,767).
Reaching the 75th percentile would take $98,159 more in net worth.
Net worth by percentile at age 30
| Percentile | Net worth |
|---|---|
| Bottom 25% | $8,123 |
| Median | $65,767 |
| Top 25% | $163,926 |
| Top 10% | $441,982 |
| Top 1% | $2,430,893 |
What does net worth at age 30 actually mean?
At 30, the wealth-building phase is accelerating for many Americans. The median net worth of $65,767 reflects a mix of people with meaningful savings and those still digging out of student debt. A common financial planning benchmark is having 1× your annual salary saved by 30 — if your salary is above the median, hitting $65,767 likely puts you on track.
The 30s see the widest variance in net worth of any decade. Some 30-year-olds are homeowners with $200k in equity; others are still paying off graduate school. The SCF data shows this clearly: the gap between the 25th and 75th percentile at age 30 is enormous. Your percentile result here tells you a lot about which path you're on, but context matters — two-income households, cost-of-living differences, and inherited wealth all skew the numbers.
Home equity starts becoming a significant wealth driver in the early 30s. The 2020–2022 housing run-up created a generation of homeowners who saw their net worth surge while renters fell further behind. If you bought a home before 2022 in most U.S. markets, a large share of your net worth increase came from appreciation rather than savings discipline. This is worth keeping in mind when comparing your number to the SCF cohort average.
Reaching the top 10% threshold of $441,982 by 30 is rare and typically requires a combination of a high income, consistent maxing of retirement accounts since the early 20s, and/or significant home equity gains. Tech and finance workers in high-cost cities often reach this level despite large mortgages, because their equity and investment balances outpace debt. For most other career paths, being above the median at 30 is a strong position.
What to focus on at age 30
- 1If you haven't yet, start tracking home equity as part of your net worth — it's the single largest wealth component for most 30-somethings who own.
- 2Aim to fully fund your 401(k) ($23,500 limit in 2026) before investing in taxable brokerage accounts.
- 3Re-evaluate insurance: term life and disability insurance are cheap in your 30s and protect the income that's building your net worth.
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