U.S. Household Financial Data
A current reference for the financial realities U.S. households are navigating, from emergency savings and retirement to ownership, business complexity, and fraud.
Updated October 10, 2026
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.
73%
The figure held steady from 2024, but remained below the recent high recorded in 2021.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 202663%
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 2025, 2025 survey, released May 202655%
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 2025, 2025 survey, released May 202659%
Vehicle repairs or replacement were the most commonly reported unexpected expense, followed by major home or appliance repairs and medical expenses.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 202616%
The measure was similar to 2024 and offers a separate view of the pressure some households face meeting recurring expenses.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 202665%
The 2025 Survey of Consumer Finances measure includes account-type plans, individual retirement accounts, and defined-benefit plans.
Federal Reserve, 2025 Survey of Consumer Finances results, 2025 survey, released October 202635%
Confidence improved slightly from 2023, while still remaining below the 2021 level.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 2026$82,200
Inflation-adjusted median family income rose 7% between the 2022 and 2025 surveys.
Federal Reserve, 2025 Survey of Consumer Finances results, 2025 survey, released October 2026$215,900
Inflation-adjusted median net worth rose 2% between the 2022 and 2025 surveys.
Federal Reserve, 2025 Survey of Consumer Finances results, 2025 survey, released October 202666%
The 2025 homeownership rate was about unchanged from the 2022 survey.
Federal Reserve, 2025 Survey of Consumer Finances results, 2025 survey, released October 202630%
Income variation was substantially more common among self-employed adults, 58% of whom reported month-to-month variation.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 20268.6%
This share increased from 6.5% in 2022, a measure the Federal Reserve uses to identify particularly high debt-payment obligations.
Federal Reserve, 2025 Survey of Consumer Finances results, 2025 survey, released October 202620%
The 2025 survey found 16% experienced credit-card fraud and 8% experienced another type of financial fraud.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 2026$56B
The Federal Reserve estimated $100 billion in non-credit-card fraud overall for 2025, with $56 billion borne directly by consumers.
Federal Reserve, Economic Well-Being of U.S. Households in 2025, 2025 survey, released May 2026Methodology and sources
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 2025 survey. The household asset, ownership, income, net-worth, retirement, and debt figures also use the newly released 2025 Survey of Consumer Finances.
Cite this page
ZenGee Financial, U.S. Household Financial Well-Being Statistics, updated October 10, 2026. View this reference page.
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