73%
of adults reported doing okay or living comfortably financially
The figure was similar to 2023, but remained below the recent high recorded in 2021.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 2025U.S. Household Financial Data
Household financial well-being statistics
A current reference for the financial realities U.S. households are navigating, from emergency savings and retirement to ownership, business complexity, and fraud.
Updated September 9, 2026
Useful numbers need useful context.
Financial well-being is more than an account balance. It reflects a household's ability to handle the unexpected, make room for long-term priorities, and keep the decisions around work, family, ownership, and protection connected.
The figures below use the latest relevant Federal Reserve measures available as of this update. Each statistic names its data year and links directly to the original source.
Financial readiness and monthly margin
63%
could cover a $400 emergency expense using cash or its equivalent
The Federal Reserve defines this as cash, savings, or a credit card paid at the next statement.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 202555%
had set aside money for three months of expenses
This is the share with a dedicated emergency or rainy-day fund for a three-month income interruption.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 202530%
could not cover three months of expenses by any means
The survey includes borrowing, selling assets, and drawing on other savings when assessing available options.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 202551%
spent less than their income in the month before the survey
The measure increased from 48% in 2023, suggesting more adults reported room in their monthly budgets.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 2025Long-term financial picture
67%
had assets specifically designated to produce retirement income
The measure includes tax-preferred retirement accounts, defined-benefit pensions, and other designated assets.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 202535%
of non-retirees felt their retirement savings plan was on track
Confidence improved slightly from 2023, while still remaining below the 2021 level.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 202554.3%
of U.S. families held retirement accounts
The 2022 survey includes IRAs, Keogh accounts, and eligible employer-sponsored accounts.
Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022, 2022 Survey of Consumer Finances, released October 2023$86,900
was the median retirement-account value among families with an account
The figure is reported in 2022 dollars and applies only to families that held retirement accounts.
Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022, 2022 Survey of Consumer Finances, released October 202366.1%
of U.S. families owned a primary residence
The homeownership rate rose modestly from 64.9% in the 2019 survey.
Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022, 2022 Survey of Consumer Finances, released October 2023Ownership, complexity, and protection
20%
of U.S. families owned a privately held business
The 2022 result was the highest level recorded in the modern Survey of Consumer Finances.
Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022, 2022 Survey of Consumer Finances, released October 202321%
experienced financial fraud or scams involving their money
The survey found 17% experienced credit-card fraud and 8% experienced another type of financial fraud.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 2025$63B
was the estimated consumer loss from non-credit-card fraud after recoveries
The Federal Reserve estimated $84 billion in losses before recoveries for 2024.
Federal Reserve, Economic Well-Being of U.S. Households in 2024, 2024 survey, released May 2025Methodology and sources
Two Federal Reserve data series, clearly attributed.
This page brings together the latest relevant measures from the Federal Reserve's annual household well-being survey and its Survey of Consumer Finances. The well-being figures shown are from the 2024 survey. The household asset and ownership figures shown are from the 2022 Survey of Consumer Finances, the latest completed survey in that series at the time of this update.
- Federal Reserve, Economic Well-Being of U.S. Households in 20242024 survey, released May 2025
- Federal Reserve, Changes in U.S. Family Finances from 2019 to 20222022 Survey of Consumer Finances, released October 2023
Cite this page
ZenGee Financial, U.S. Household Financial Well-Being Statistics, updated September 9, 2026. View this reference page.
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