Median Net Worth of Homeowner Families
Homeowner families' median net worth, with the home counted, 2025 dollars, by survey
Where the Median Net Worth of Homeowner Families stands now
The Median Net Worth of Homeowner Families was $459,000 in December 2025, the highest in data back to 1989. It has been higher than the release before for five releases in a row.
How the Median Net Worth of Homeowner Families has moved since 1989
Median homeowner net worth, home included, in 2025 dollars, by survey
Median net worth of homeowner families, home equity included, thousands of 2025 dollars, Federal Reserve Survey of Consumer Finances: $459,000 in December 2025. Event-driven, 1989–2025.
What the Median Net Worth of Homeowner Families measures
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.
A lower amount is worse for households.
Median Net Worth of Homeowner Families by release, 1989 to 2025
| Release | Amount | Change from a year earlier |
|---|---|---|
| Dec 2025 | $459K | — |
| Dec 2022 | $434K | — |
| Dec 2019 | $323K | — |
| Dec 2016 | $312K | — |
| Dec 2013 | $272K | — |
| Dec 2010 | $261K | — |
| Dec 2007 | $368K | — |
| Dec 2004 | $318K | — |
| Dec 2001 | $316K | — |
| Dec 1998 | $264K | — |
| Dec 1995 | $221K | — |
| Dec 1992 | $224K | — |
| Dec 1989 | $253K | — |
Event-driven · Board of Governors of the Federal Reserve System, Survey of Consumer Finances
Counties with the highest safety net and buffer scores
There's no county figure for this measure, so this list uses the safety net and buffer part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Choctaw County, OK | 94.8 |
| 2 | Stewart County, GA | 94.2 |
| 3 | Noxubee County, MS | 94.2 |
| 4 | Hudspeth County, TX | 94 |
| 5 | Brooks County, TX | 94 |
| 6 | Lake County, TN | 94 |
| 7 | Duval County, TX | 93.9 |
| 8 | Ripley County, MO | 93.5 |
| 9 | Dunklin County, MO | 93.3 |
| 10 | Quitman County, GA | 93.2 |
Questions about the Median Net Worth of Homeowner Families
What makes up a homeowner family's net worth?
Mostly the home: what it would sell for minus the mortgage balance, plus retirement accounts and savings, minus other debts. That is why the figure follows house prices from one survey to the next.
Can a homeowner family be wealthy on paper and short of cash?
Yes. Equity can be borrowed against but cannot pay this month's bill unless the owner sells or refinances, so a family with a large net worth can still miss a payment.
How does the homeowner figure compare with renters?
The median renter family's net worth, on its own page here, is a small fraction of the median homeowner family's in every survey since 1989.
Where does the figure come from?
The Federal Reserve Board's Survey of Consumer Finances historical tables, Table 4, the 'Owner' row, in thousands of 2025 dollars, stored here as dollars.
Sources and method for the Median Net Worth of Homeowner Families
- 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. We use the event-driven figures as published, from December 1989 through December 2025, with no adjustment of our own. Board of Governors of the Federal Reserve System’s report (1) Board of Governors of the Federal Reserve System’s report (2)
We write with assistance from AI tools. Figures come from the data and sources named on this page.