The average American's wealth is primarily in their house, making up 30% of their net worth.

From Yahoo Finance: 2025-06-22 13:31:00

The average American’s wealth is not primarily in 401(k)s or mutual funds, but in their house, which makes up 30% of their total net worth according to the Federal Reserve’s 2022 Survey of Consumer Finances.

Retirement accounts like 401(k)s and IRAs make up 25% of household wealth, while public equities and mutual funds make up 15%. Private business ownership or equity stakes account for 12%.

Other real estate, including rental properties and vacation homes, makes up 10% of household wealth, while cash and deposits only make up 5%. “Other” assets like vehicles and collectibles total just 3%.



Read more at Yahoo Finance: Can You Guess What Single Asset Makes Up 30% Of The Average American’s Portfolio? It’s Not a 401(k)