Fed survey shows growth in families’ net worth
October 13, 2026 / By ICBA
Median family income rose 7% between 2022 and 2025, according to the Federal Reserve’s 2025 Survey of Consumer Finances.
Background: The Fed said the survey, which is undertaken every three years, provides a representative picture of what Americans own, how much they borrow, and how they bank.
Highlights: The latest results show that between 2022 and 2025:
-
Real median family income rose 7% to $82,200, while real mean family income fell 6% to $145,200.
-
Real median net worth rose by 2% to $215,900, while real mean net worth rose by 7% to $1.24 million.
-
The homeownership rate was 66% in 2025, about unchanged from 2022.
-
Retirement plan participation was up slightly at around 65%.
-
Participation in the stock market declined from 58% to 56%.
-
The fraction of families with any type of debt remained about stable at 77%.
Subscribe now
Sign up for the Independent Banker newsletter to receive twice-monthly emails about new issues and must-read content you might have missed.
Sponsored Content
Featured Webinars
Join ICBA Community
Interested in discussing this and other topics? Network with and learn from your peers with the app designed for community bankers.
Subscribe Today
Sign up for Independent Banker eNews to receive twice-monthly emails that alert you when a new issue drops and highlight must-read content you might have missed.
News Watch Today
Join the Conversation with ICBA Community
ICBA Community is an online platform led by community bankers to foster connections, collaborations, and discussions on industry news, best practices, and regulations, while promoting networking, mentorship, and member feedback to guide future initiatives.
Join the Community Example Text
