---
title: "Median Net Worth of Homeowner Families"
slug: median-net-worth-of-homeowner-families
summary: "Homeowner families had a median net worth of $458,900 in the 2025 survey, up from $433,600 in the previous survey three years earlier"
category: "Savings"
unit: dollars
frequency: as_published
direction: lower_is_worse
latest_value: 458900.0
latest_period: "2025-12"
trend: rising
last_updated: "2026-10-31T10:37:00Z"
source: "Board of Governors of the Federal Reserve System, Survey of Consumer Finances"
measurement_basis: "The net worth of the family in the middle of all homeowner families: half have more, half have less. Net worth here counts the home at the Fed's estimate of its value, plus retirement accounts, savings and other assets, less the mortgage and every other debt. Published by the Federal Reserve Board in the Survey of Consumer Finances historical tables, Table 4, row 'Owner', in thousands of 2025 dollars; we store the figure times one thousand. Thirteen surveys, 1989 through 2025, each dated to the last day of its survey year. The next survey (2028) is expected in late 2029."
source_url: https://www.federalreserve.gov/econres/scfindex.htm
source_urls:
  - https://www.federalreserve.gov/econres/scfindex.htm
  - https://www.federalreserve.gov/econres/files/scf2025_tables_internal_real_historical.xlsx
canonical_html: https://americandefault.org/indicators/median-net-worth-of-homeowner-families/
citation_apa: "Kilburn, R. (2026). Median Net Worth of Homeowner Families [Data set]. American Default Research. https://americandefault.org/indicators/median-net-worth-of-homeowner-families/"
citation_chicago: "Kilburn, Ross. 2026. \"Median Net Worth of Homeowner Families.\" American Default Research. https://americandefault.org/indicators/median-net-worth-of-homeowner-families/."
citation_mla: "Kilburn, Ross. \"Median Net Worth of Homeowner Families.\" American Default Research, 2026, americandefault.org/indicators/median-net-worth-of-homeowner-families/."
---

# Median Net Worth of Homeowner Families

> Homeowner families had a median net worth of $458,900 in the 2025 survey, up from $433,600 in the previous survey three years earlier

## Current Reading

As of December 2025, Median Net Worth of Homeowner Families is **$458,900** (rising — improving for households).

median net worth of homeowner families in the 2025 survey, in 2025 dollars

## Recent Values

| Period | Value |
|--------|-------|
| 2025-12 | $458.9K |
| 2022-12 | $433.6K |
| 2019-12 | $323.4K |
| 2016-12 | $312.4K |
| 2013-12 | $272.1K |
| 2010-12 | $260.8K |
| 2007-12 | $367.7K |
| 2004-12 | $317.6K |
| 2001-12 | $316.2K |
| 1998-12 | $263.6K |
| 1995-12 | $220.6K |
| 1992-12 | $224.2K |

## Historical Context

- Peak since 1989: **$458,900** in December 2025
- Low since 1989: **$220,600** in December 1995
- Pre-pandemic average (2015-01 – 2019-12): **$317,900**
- Post-pandemic average (2020-01 – 2024-12): **$433,600**

## Methodology

This indicator carries one observation per source release rather than a fixed calendar cadence and is interpreted as lower values indicate worse household conditions. Source: Board of Governors of the Federal Reserve System, Survey of Consumer Finances.
Measurement basis: The net worth of the family in the middle of all homeowner families: half have more, half have less. Net worth here counts the home at the Fed's estimate of its value, plus retirement accounts, savings and other assets, less the mortgage and every other debt. Published by the Federal Reserve Board in the Survey of Consumer Finances historical tables, Table 4, row 'Owner', in thousands of 2025 dollars; we store the figure times one thousand. Thirteen surveys, 1989 through 2025, each dated to the last day of its survey year. The next survey (2028) is expected in late 2029.
Automation: manual entry — updated by editorial team.

## Source

Board of Governors of the Federal Reserve System, Survey of Consumer Finances
- [https://www.federalreserve.gov/econres/scfindex.htm](https://www.federalreserve.gov/econres/scfindex.htm)
- [https://www.federalreserve.gov/econres/files/scf2025_tables_internal_real_historical.xlsx](https://www.federalreserve.gov/econres/files/scf2025_tables_internal_real_historical.xlsx)

Data retrieved: 2026-10-31T10:37:00Z

## Related Indicators

- [median-net-worth-of-renter-families](https://americandefault.org/indicators/median-net-worth-of-renter-families/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/median-net-worth-of-homeowner-families/
- JSON: https://americandefault.org/api/indicators/median-net-worth-of-homeowner-families.json
- CSV: https://americandefault.org/api/downloads/median-net-worth-of-homeowner-families.csv
- BibTeX: https://americandefault.org/citations/median-net-worth-of-homeowner-families.bib
- RIS: https://americandefault.org/citations/median-net-worth-of-homeowner-families.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Median Net Worth of Homeowner Families [Data set]. American Default Research. https://americandefault.org/indicators/median-net-worth-of-homeowner-families/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Median Net Worth of Homeowner Families." American Default Research. https://americandefault.org/indicators/median-net-worth-of-homeowner-families/.

**MLA 9th**

    Kilburn, Ross. "Median Net Worth of Homeowner Families." American Default Research, 2026, americandefault.org/indicators/median-net-worth-of-homeowner-families/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.