What Is the Average Net Worth of a US Citizen
Average net worth measures the total value of assets minus liabilities for a household or individual. In the United States, this figure is shaped by income, savings, homeownership, and investment returns.
How Is Net Worth Calculated
Net worth equals assets such as real estate, retirement accounts, and bank balances minus debts like mortgages, student loans, and credit card balances. Financial surveys use representative samples to estimate median and mean figures for US households.
What Factors Influence US Net Worth
Age, education, homeownership, and stock market participation strongly affect net worth. Higher income households typically hold more financial assets, while lower income households may carry more debt relative to assets. Economic conditions, interest rates, and housing prices also shift overall averages over time. For detailed methodology and latest survey data, see the Federal Reserve Board's Survey of Consumer Finances at https://www.federalreserve.gov/econres/scf.htm.
