Explore U.S. Financial Benchmarks

Choose an age and/or adjusted gross income (AGI) band to view source-published cohorts. Cohort references are not personal percentiles.

Every published figure identifies its source, period, population, unit, and statistic.

A selector is applied only when the named source publishes that dimension. Income and net worth use age cohorts; the tax module uses AGI cohorts. Spending, housing, debt-burden, and emergency-savings resilience references remain overall national observations because their sources do not publish age or AGI dimensions. No joint age-by-income estimate is inferred.

Use these source-defined national references to understand the published baseline. Run any calculator to model your own situation; calculator inputs are not used as published community benchmarks during the integrity rebuild. Start with our most popular tools:
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Core financial intelligence

Income and net worth, with the comparison boundary made explicit

These modules report source-published national medians. Selectors resolve only to cohorts the named sources publish, and the tables remain available without JavaScript.

Showing explicit overall national medians. Choose an age band to compare source-published age cohorts.
Income benchmark Reproducible source

Median household income

Household income from CPS ASEC Table A-1. Age refers to the age of the householder.

Overall national median $83,730 U.S. households — 2024. Prior reference: $82,690 (2023). This is a median, not a personal percentile.
Statistic
Median
Population
U.S. households
Denominator
Households by age of householder
Unit
2024 U.S. dollars
Reference period
2024 CPS ASEC; comparison with 2023 in 2024 dollars
Median household income by age of householder. Current and prior estimates use the metric's declared price year.
Published cohort2024 median2023 median
Householder age 15–24$60,310$56,350
Householder age 25–34$90,100$88,000
Householder age 35–44$106,100$103,900
Householder age 45–54$116,800$113,600
Householder age 55–64$91,620$92,990
Householder age 65+$56,680$56,130
Net worth benchmark Reproducible source

Median family net worth

Net worth from the Survey of Consumer Finances. Age refers to the SCF reference person.

Overall national median $192,900 All U.S. SCF families — 2022. Prior reference: $141,100 (2019). This is a median, not a personal percentile.
Statistic
Median
Population
All U.S. SCF families
Denominator
All SCF families
Unit
2022 U.S. dollars
Reference period
2022 survey; comparison with 2019 in 2022 dollars
Median family net worth by age of SCF reference person. Current and prior estimates use the metric's declared price year.
Published cohort2022 median2019 median
Under 35$39,000$16,100
35–44$135,600$105,900
45–54$247,200$195,400
55–64$364,500$246,300
65–74$409,900$308,800
75+$335,600$295,400
Verified benchmark data is unavailable until the required files load.
Showing explicit overall conditional medians. Choose an age band to compare source-published SCF age cohorts.

National cohort references

Retirement and transaction-account cohort references

Source-published descriptive cohort references. They are not planning targets or personal adequacy measures.

Retirement peer reference Reproducible source

Retirement account balances

Retirement-account balances from the Survey of Consumer Finances, conditional on an SCF family holding a retirement account.

Overall conditional median $86,900 U.S. SCF families holding retirement accounts — 2022. Prior reference: $75,300 (2019).

Conditional median among SCF families holding retirement accounts (54.3% in 2022); excludes defined-benefit pension value.

Statistic
Conditional median
Population
U.S. SCF families holding retirement accounts
Denominator
Families holding retirement accounts
Unit
2022 U.S. dollars
Reference period
2022 survey; comparison with 2019 in 2022 dollars
Source quality
reproducible
Conditional median retirement-account balance by age of SCF reference person. Current and prior estimates are expressed in 2022 dollars.
Published cohort2022 conditional median2019 conditional median
Under 35$18,880$15,100
35–44$45,000$69,600
45–54$115,000$115,900
55–64$185,000$155,300
65–74$200,000$190,100
75+$130,000$96,200
Method and limits

Both the 18–24 and 25–34 selections use the source's broader under-35 cohort.

AGI is not applied. An age-plus-AGI request remains partially matched, while an AGI-only request is unsupported.

SCF estimates use survey weights. The current contract provides no cohort-level effective sample size or distribution, so no personal ranking is produced.

This is a descriptive peer reference, not a planning target, threshold, or adequacy measure.

Liquid-account peer reference Reproducible source

Transaction account balances

Transaction-account balances from the Survey of Consumer Finances, conditional on an SCF family holding transaction accounts.

Overall conditional median $8,000 U.S. SCF families with transaction accounts — 2022. Prior reference: $6,100 (2019).

Among SCF families with transaction accounts (98.6% in 2022); not an emergency-fund measure.

Statistic
Conditional median
Population
U.S. SCF families with transaction accounts
Denominator
Families with transaction accounts
Unit
2022 U.S. dollars
Reference period
2022 survey; comparison with 2019 in 2022 dollars
Source quality
reproducible
Conditional median transaction-account balance by age of SCF reference person. Current and prior estimates are expressed in 2022 dollars.
Published cohort2022 conditional median2019 conditional median
Under 35$5,400$3,800
35–44$7,500$5,500
45–54$8,700$7,400
55–64$8,000$6,500
65–74$13,400$9,300
75+$10,000$10,800
Method and limits

Both the 18–24 and 25–34 selections use the source's broader under-35 cohort.

AGI is not applied. An age-plus-AGI request remains partially matched, while an AGI-only request is unsupported.

SCF estimates use survey weights. The current contract provides no cohort-level effective sample size or distribution, so no personal ranking is produced.

This is a descriptive peer reference, not a planning target, threshold, or adequacy measure.

Planning targets

No target value is owned by this peer model. Calculator links remain planning tools and are never substituted for cohort data.

Retirement account balances

Transaction account balances

FinCalcs community

Community comparisons remain unavailable until privacy, validation, deduplication, and sample-support contracts are approved.

Showing overall national housing references. Age and AGI are not published source dimensions for these measures.

National housing references

Housing market references

Source-published national market references. They are not demographic peer cohorts, planning targets, or personal affordability measures.

New-home market reference

Median new-home sale price

Median sale price of new houses sold in the United States, as published by the U.S. Census Bureau and HUD.

Overall national reference $410,700 2026 Q2. Prior reference: $416,100 (2025 Q2).

Quarterly U.S. median for new houses sold; this is not the median existing-home price.

Statistic
Median
Population
New houses sold in the United States
Denominator
New-house sales recorded by Census and HUD
Unit
Current U.S. dollars
Reference period
2026 Q2
Source quality
reproducible
Published national median new-home sale price for the current and matched prior quarter.
Reference periodPublished estimate
2026 Q2$410,700
2025 Q2$416,100
Method and limits

These are national overall references. Age and AGI are not published source dimensions and are never used to substitute a cohort value.

Price, rate, and payment come from different sources, populations, units, and reference periods. They are not combined into one measure.

The current contract contains source-published point estimates, not a distribution or effective sample size, so no personal percentile or ranking is produced.

These are descriptive market references, not affordability thresholds, quoted loan terms, forecasts, or financial advice.

Mortgage market reference

30-year fixed mortgage rate

Average 30-year fixed-rate mortgage rate from the Freddie Mac Primary Mortgage Market Survey.

Overall national reference 6.58% 2026-07-23. No matched prior estimate is published in the current contract.

National PMMS weekly average for conventional conforming mortgages; this is not a personalized lender quote.

Statistic
Weekly average
Population
Conventional conforming mortgage market observations
Denominator
PMMS survey methodology
Unit
Percent
Reference period
2026-07-23
Source quality
reproducible
Published national weekly average for the 30-year fixed mortgage rate. No prior comparison is present in the current contract.
Reference periodPublished estimate
2026-07-236.58%
Method and limits

These are national overall references. Age and AGI are not published source dimensions and are never used to substitute a cohort value.

Price, rate, and payment come from different sources, populations, units, and reference periods. They are not combined into one measure.

The current contract contains source-published point estimates, not a distribution or effective sample size, so no personal percentile or ranking is produced.

These are descriptive market references, not affordability thresholds, quoted loan terms, forecasts, or financial advice.

Purchase-application payment reference

Median principal-and-interest payment

Median scheduled principal-and-interest payment in the Mortgage Bankers Association purchase applications payment index.

Overall national reference $2,198/mo 2026-05. Prior reference: $2,152/mo (2026-04).

Median scheduled principal-and-interest payment in the MBA purchase-application index population; this is not total monthly housing cost.

Statistic
Median
Population
MBA purchase mortgage application index population
Denominator
MBA PAPI methodology
Unit
Current U.S. dollars per month
Reference period
May 2026
Source quality
reproducible
Published median scheduled principal-and-interest payment for the current and prior monthly PAPI observations.
Reference periodPublished estimate
2026-05$2,198/mo
2026-04$2,152/mo
Method and limits

These are national overall references. Age and AGI are not published source dimensions and are never used to substitute a cohort value.

Price, rate, and payment come from different sources, populations, units, and reference periods. They are not combined into one measure.

The current contract contains source-published point estimates, not a distribution or effective sample size, so no personal percentile or ranking is produced.

These are descriptive market references, not affordability thresholds, quoted loan terms, forecasts, or financial advice.

Planning targets

No target value is owned by this housing reference model. Calculator links remain planning tools and are never substituted for market observations.

FinCalcs community

Community comparisons remain unavailable until privacy, validation, deduplication, and sample-support contracts are approved.

Showing the overall national debtor reference. Age and AGI are not published source dimensions for this measure.

National debt-burden reference

Debt burden reference

A source-published national reference for families with positive total debt. It is not a planning target, lender underwriting ratio, or personal adequacy measure.

Debt-burden peer reference

Debt payment-to-income ratio

Median of individual-family ratios of total debt payments to total before-tax family income among Survey of Consumer Finances families with positive total debt.

Overall national debtor reference 13.4% 2022. Prior reference: 15.3% (2019).

Conditional median among SCF families with positive total debt; it is not the share of all families and not an aggregate household debt-service ratio.

Statistic
Conditional median
Population
U.S. SCF families with positive total debt
Denominator
SCF families with positive total debt; each family's total debt payments divided by total before-tax family income
Unit
Percent of total before-tax family income
Reference period
2022 survey; comparison with 2019
Source quality
reproducible
Sample support
not_published_for_table_row
Conditional median payment-to-income ratio for SCF families with positive total debt in the 2022 and 2019 surveys.
Survey yearPublished conditional median
202213.4%
201915.3%
Method and limits

This is an overall U.S. reference. Age and AGI are not published source dimensions for this row and are never used to substitute a cohort value.

For each family, total debt payments are divided by total before-tax family income for the year before the survey. The SCF assigns $100 in 2022 dollars when that income is zero or negative.

Debt payments exclude lease and rent payments. Respondent-reported real-estate loan payments may include property taxes and insurance.

The current and prior estimates use the same SCF Table 5 row, statistic, population, denominator, and unit. Changes in this percentage measure are expressed in percentage points, not as relative percent changes.

SCF estimates use survey weights. Table 5 reports point estimates for this row but no row-specific standard error, sample size, effective sample size, or distribution, so no personal percentile or rank is produced.

This descriptive reference is not an aggregate debt-service ratio, lender debt-to-income ratio, underwriting limit, affordability threshold, planning target, or financial advice.

Planning targets

No target value is owned by this peer model. Debt calculators remain planning tools and are never substituted for the source-published reference.

FinCalcs community

Community comparisons remain unavailable until privacy, validation, deduplication, and sample-support contracts are approved.

Showing the overall national consumer-unit reference. Age and AGI are not published source dimensions for this measure.

National spending reference

Consumer spending reference

A source-published national annual mean for BLS consumer units. It is not a demographic peer cohort, personal budget, or planning target.

Consumer expenditure reference

Annual expenditures per consumer unit

Weighted mean annual expenditures per consumer unit in the BLS Consumer Expenditure Surveys.

Overall national consumer-unit reference $78,535/yr 2024. Revised prior reference: $77,158/yr (2023).

Current-dollar weighted annual mean for all BLS consumer units; this is not a median, household or per-person value, monthly budget, or personal target.

Statistic
Mean
Population
U.S. consumer units represented by the Consumer Expenditure Surveys
Denominator
All consumer units in the Consumer Expenditure Surveys
Unit
Current U.S. dollars per year
Reference period
2024; revised comparison with 2023
Source quality
reproducible
Sample support
not_published_for_table_row
Published current-dollar mean annual expenditures per BLS consumer unit for 2024 and the revised 2023 comparison.
Reference yearPublished annual mean
2024$78,535/yr
2023$77,158/yr
Method and limits

This is an overall U.S. consumer-unit reference. Age and AGI are not published source dimensions for this row and are never used to substitute a cohort value. BLS income-before-tax groups are not IRS AGI selectors.

A BLS consumer unit can be a family, a financially independent person, or people living together who share major expenses. It is not interchangeable with a Census household, an SCF family, or a person.

The measure is a current-dollar weighted annual mean, not a median or monthly budget. CE total expenditures include cash contributions and personal insurance and pension contributions, so this is not a consumption-only measure.

The comparison uses the revised 2023 total, correcting the earlier release. BLS reports that the 1.8% increase from 2023 to 2024 was not statistically significant at the 95% confidence level; it is not an inflation-adjusted change.

The release combines Consumer Expenditure Interview and Diary Survey estimates. BLS identifies declining response rates, underreporting measurement error, and phased questionnaire redesign; Table A publishes no row-specific standard error, sample size, or effective sample size.

This descriptive reference is not a personal cash-flow value, cost-of-living index, aggregate personal-consumption measure, savings rate, planning target, or financial advice.

Planning targets

No target value is owned by this spending reference model. Budget calculators remain planning tools and are never substituted for the source-published mean.

FinCalcs community

Community comparisons remain unavailable until privacy, validation, deduplication, and sample-support contracts are approved.

Showing the overall national adult reference. Age and AGI are not published application-compatible source dimensions for this measure.

National emergency-savings reference

Emergency-savings resilience reference

A source-published national survey-weighted share for U.S. adults. It is not a demographic peer cohort, personal adequacy result, planning target, or account balance.

Emergency-savings resilience reference

Three months of emergency savings

Survey-weighted share of adults who said they had set aside enough money in emergency savings or a rainy-day fund to cover three months of expenses.

Overall national adult reference 55% 2025. Separately rounded prior reference: 55% (2024).

Overall survey-weighted share among U.S. adults represented by the SHED; this is not an account balance, demographic cohort, personal adequacy result, or target.

Statistic
Survey-weighted share
Population
U.S. civilian noninstitutionalized adults age 18 and older represented by the SHED
Denominator
All adults asked EF1 in each SHED wave (base: all respondents), using that wave's post-stratification weights
Unit
Percent of adults age 18 and older
Reference period
2025 survey; comparison with 2024
Source quality
reproducible
Sample support
Unweighted EF1 respondents published for both waves
Published overall SHED shares for adults reporting three months of emergency savings in the 2025 and 2024 survey waves.
Survey yearPublished survey-weighted share
202555%
202455%
Method and limits

This is an overall U.S. adult reference. SHED age groups cross the application's seven age bands, and SHED family income is not adjusted gross income (AGI), so age and AGI selections are never used to substitute a cohort value.

The measure is a self-reported, post-stratification-weighted share of adults who said emergency or rainy-day savings would cover three months of their own expenses. It is not a verified account balance or liquid-asset amount.

The denominator is all adults asked EF1 in each SHED wave (base: all respondents). Three months is based on each respondent's own expenses and is not a FinCalcs adequacy rule or recommendation.

The 2025 and 2024 observations come from separate annual SHED waves and are published as separately rounded whole-number percentages. Equal displayed values do not establish equal unrounded estimates or individual stability.

Appendix B reports 12,934 unweighted EF1 respondents for 2025 and 12,295 for 2024. The 2025 cumulative response rate was 4.1 percent and the survey-wide design effect was 1.14. No EF1-specific standard error, confidence interval, or effective sample size is published; noncoverage, nonresponse, English-language participation, and item imputation remain limitations.

This measure is separate from the SHED $400 cash-equivalent emergency-expense question and from the follow-up ability to cover expenses by borrowing, selling assets, or drawing on other savings. It is not a percentile, composite score, personal target, adequacy rule, or financial advice.

Planning targets

No target value or recommended number of months is owned by this Resilience reference model. Planning calculators remain separate tools and are never substituted for the source-published share.

FinCalcs community

Community comparisons remain unavailable until privacy, validation, deduplication, and sample-support contracts are approved.

Benchmark Integrity Status
Phase 2 National references and source-published cohorts resolve through the validated comparison contract.
Paused Community averages, personal percentiles, and synthetic peer adjustments are unavailable pending validated contracts.
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Methodology & Sources — source-defined and reproducible

Methodology & Sources

Each published benchmark is tied to a named source, reference period, population, unit, and statistic. Metrics that cannot be reproduced from the cited source are not displayed.

Federal Reserve Survey of Consumer Finances (SCF)

The 2022 SCF interviewed 4,602 U.S. families and uses survey weights to estimate the national population. FinCalcs uses 2022-dollar medians. Asset balances are conditional on owning the asset unless marked otherwise; net worth includes all families. Age is the age of the SCF reference person. Cells with fewer than 11 observations are not treated as robust. The 2025 SCF was fielded in 2025; summary results are expected in late 2026.

U.S. Census Bureau

Household-income medians use CPS ASEC Table A-1. 2023 and 2024 estimates are expressed in 2024 dollars. Age refers to the householder.

Internal Revenue Service

Tax-burden references use Statistics of Income Table 3.2. The displayed ratio is aggregate total income tax divided by aggregate AGI for returns with total income tax; it is not a typical household tax rate.

Housing and mortgage sources

New-home prices use Census/HUD data via FRED MSPUS. Mortgage rates use Freddie Mac PMMS. Mortgage payments use the Mortgage Bankers Association Purchase Applications Payment Index. Different units remain separate and are not combined in one chart.

KFF and CMS

Employer-plan premiums, deductibles, and employer contribution shares use the KFF 2025 Employer Health Benefits Survey. Per-person national health expenditure uses the CMS National Health Expenditure Accounts and is not an individual household bill.

Community comparison policy

Community comparisons are unavailable while FinCalcs validates metric definitions, deduplication, time windows, minimum sample thresholds, and privacy controls. National values are never substituted for missing community data.

Directional arrows show the numeric change from the stated prior reference period. They do not claim the change is universally good or bad.

Benchmarks are for informational purposes only and do not constitute financial advice. Individual circumstances vary. Full Disclaimer · About FinCalcs Write for Us