What Is Net Worth Distribution?
Net worth distribution describes how assets and debts are spread across U.S. households. It compares average and median figures to show typical and extreme wealth levels.
Key Figures by Percentile
The Federal Reserve’s Survey of Consumer Finances shows the top 10% of families hold a large share of aggregate wealth. The median household net worth is much lower than the mean, reflecting concentration at the top. You can explore the latest data at https://www.federalreserve.gov/econres/notes/feds-notes/wealth-distribution-and-the-role-of-housing-2023.htm.
Why the Distribution Matters
Understanding net worth distribution helps policymakers, researchers, and households gauge economic inequality. It also informs discussions about savings, retirement readiness, and financial resilience across different income groups.
