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Federal Reserve Board releases results of the 2025 Survey of Consumer Finances, which provides the public and policymakers with detailed insights into the economic condition of American families

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Federal Reserve Board releases results of the 2025 Survey of Consumer Finances, which provides the public and policymakers with detailed insights into the economic condition of American families

The Federal Reserve Board on Friday released the results of the 2025 Survey of Consumer Finances, which provides the public and policymakers with detailed insights into the economic condition of American families.

The data provide a representative picture of what Americans own, how and how much they borrow, and how they bank. The current version of the survey has been undertaken every three years since 1989 and provides the public with an extensive time series of thorough information on the economic conditions of American families. Alongside the survey data, the Board issued its summary report entitled Changes in U.S. Family Finances from 2022 to 2025 (PDF), which examines changes in income, net worth, assets, debt, and financial vulnerability.

Key findings from the 2025 survey include:

  • Real median family income rose 7 percent between the 2022 to 2025 surveys to $82,200, while real mean family income fell 6 percent to $145,200. Families in the lower ends of the income and net worth distributions saw modest increases in median and mean income, while families in the upper ends saw declines.
  • Between 2022 and 2025, real median net worth rose by 2 percent to $215,900, while real mean net worth rose by 7 percent to $1.24 million. Most families across the net worth and income distributions experienced increases in median and mean wealth.
  • The homeownership rate was 66 percent in 2025, about unchanged from 2022. For families that owned a home, the median net housing value (the value of a home minus home-secured debt, such as a mortgage) rose to $230,000 in 2025 from $218,900 in 2022.

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    October 09, 2026 15:01
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