Fed survey: US median family net worth rose 2 percent from 2022 to 2025

The Federal Reserve's 2025 Survey of Consumer Finances finds real median family income rose 7 percent to $82,200 and median net worth rose 2 percent to $215,900 since 2022, while highly indebted families hit their highest share since 2013.

Why it matters: Lower-income families gained while upper-end incomes fell, but the share of families paying more than 40 percent of income on debt climbed to 8.6 percent, a stress signal beneath the aggregate improvement.

Data as of All figures per the Federal Reserve Board's own October 9, 2026 release of the 2025 Survey of Consumer Finances, conducted every three years since 1989 by NORC at the University of Chicago.

The Federal Reserve on Friday released the 2025 Survey of Consumer Finances, its triennial portrait of American family finances. Real median family income rose 7 percent between the 2022 and 2025 surveys to $82,200, while real mean family income fell 6 percent to $145,200, with families at the lower ends of the income and net worth distributions seeing modest gains and those at the upper ends seeing declines. Real median net worth rose 2 percent to $215,900 and real mean net worth rose 7 percent to $1.24 million.

Stock market participation slipped slightly, to 56 percent of families from 58 percent, but conditional on holding stock, median holdings grew 36 percent to $77,400. Homeownership held at 66 percent. The share of families with debt payments exceeding 40 percent of income rose from 6.5 to 8.6 percent, a level last seen in the 2013 survey.

Fed survey: US median family net worth rose 2 percent from 2022 to 2025

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