Median net worth of U.S. households under 35 fell 23% from 2022 to 2025 (real)

The net worth of younger Americans has declined significantly, making it harder to achieve financial stability.

The median net worth for U.S. households headed by individuals aged 30-33 has fallen by 23% to $68,000 in real terms between 2022 and 2025. This data, modeled from federal survey information including the Federal Reserve's 2025 Survey of Consumer Finances, indicates that half of this age group has a net worth below $68,000. The upper quarter of this demographic has a net worth of approximately $235,000, with the top 10% exceeding $440,000. Conversely, the lower quarter falls below $7,100, and the bottom 10% have negative net worth. Keeping Up Inc., a company providing personal finance benchmarking, released these figures in October 2026, based on data up to that point. The company offers tools for individuals to compare their financial standing against these benchmarks.

This data signals a concerning trend for younger generations, suggesting that economic conditions and potentially rising costs of living or stagnant wage growth are hindering their ability to accumulate wealth. The significant drop in median net worth indicates a widening wealth gap and potential long-term implications for their financial futures, including delayed homeownership and retirement security. The benchmark data from Keeping Up Inc. provides a stark quantitative measure of this decline, directly impacting how this demographic perceives their own financial progress relative to their peers. It also highlights the reliance on modeled data, which may be subject to revisions as more granular, real-time figures become available.

The decline in net worth for those under 35 means that financial goals like purchasing a home or saving for retirement are becoming increasingly out of reach for a substantial portion of this age group. This trend could lead to increased economic anxiety and a greater reliance on credit or external financial support. The comparison data offered by services like Keeping Up Inc. will become even more critical as individuals seek to understand their position within this deteriorating economic landscape and identify potential areas for financial improvement, though options may be limited by broader economic forces.