Decoding the Average Net Worth of the Top 1%

What is the average net worth of the top% in US? In the United States, discussions about wealth and income distribution often revolve around the concept of the "Top 1%." This exclusive group comprises individuals with substantial financial resources, giving rise to questions about their average net worth and the underlying factors that contribute to their economic success. This comprehensive blog post aims to unravel the average net worth of the Top 1% in the US.

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Defining the Top 1% in the US

The Top 1% in the US refers to the highest echelon of earners and wealth holders. While the specific income threshold for membership may vary over time, it generally includes individuals with significant incomes, substantial assets, and considerable investments. This diverse group spans across various professions, industries, and backgrounds, highlighting the breadth of financial success that can be achieved.

Income of the Highest Top 1%

The income required to secure a position within the top 1% varies across states, generally demanding several hundred thousand dollars per year as household earnings. For instance, in Alabama, individuals in the top 1% income bracket earn approximately $430,000 or more annually, whereas in Connecticut, this figure reaches closer to $900,000.

For a better grasp of these figures, consider that the median household income in the U.S. surpassed just $67,500 in 2020. Consequently, those in the top 1% of earners earn nearly nine times more than the median income in the U.S. 

States Exhibiting the Highest 1% Income Threshold

The following list comprises the top 10 states with the highest income threshold for the 1%:

Name of the State






New York


New Jersey














States Exhibiting the Lowest 1% Income Threshold

The following list comprises the top 10 states with the lowest income threshold for the 1%:

Name of the State
















New Mexico




West Virginia


Average Net Worth of the Top 1%

  • Statistical evidence reveals that to attain a spot within the top 1% of the U.S., a household needs to possess a net worth of at least $10,374,030. 
  • Individuals with average net worth of top 1% of net worth in the United States in 2022 possessed a net worth of $10,815,000.
  • The average net worth of the top 1% in the U.S. was recorded at $121,760 in 2019.
  • Consequently, the top 1% of Americans command a net worth exceeding the median by more than 85 times. 
  • Similar to income, however, the required average net worth of the top 1 percent in USA varies across states. For instance, in Connecticut, a minimum net worth of the top 1 percent: $3,603,629 is necessary, whereas in Mississippi, a net worth of $766,205 would suffice. 

How to have an average net worth like the Top 1%

Achieving an average net worth comparable to the Top 1% requires a combination of strategic financial decisions, disciplined wealth management, and a proactive approach to your finances. While it's important to recognize that individual circumstances vary, here are some key steps you can consider to work towards an elevated net worth:

  • Financial Education: Equip yourself with a solid understanding of personal finance. Learn about budgeting, saving, investing, and different asset classes. Continuously educate yourself about financial trends and opportunities.
  • Set Clear Goals: Establish clear financial goals that align with your aspirations. These goals could include specific net worth targets, retirement plans, investment milestones, and more.
  • Budgeting and Saving: Create a comprehensive budget that outlines your income and expenses. Prioritize saving by allocating a portion of your income towards savings and investments before covering other expenses.
  • Diversified Investments: Build a diversified investment portfolio that aligns with your risk tolerance and financial goals. Consider a mix of stocks, bonds, real estate, and other investment options to maximize returns while managing risks.
  • Strategic Debt Management: Use debt judiciously. Focus on managing high-interest debts and utilizing leverage for productive investments, such as real estate.
  • Entrepreneurship and Income Streams: Explore additional income streams, such as starting a business, freelancing, or investing in side projects. Multiple sources of income can accelerate wealth accumulation.
  • Real Estate Investments: Consider investing in real estate, which can provide both rental income and potential appreciation over time. Commercial real estate, REITs, commercial real estate debts, and real estate crowdfunding platforms can be avenues to explore.
  • Networking and Partnerships: Build a strong professional network that can open doors to valuable opportunities, collaborations, and partnerships. Networking can lead to insights that contribute to financial growth.
  • Continuous Learning and Adaptation: The financial landscape evolves, and staying informed is essential. Continuously evaluate and adjust your strategies based on changing economic conditions and personal circumstances.
  • Seek Professional Advice: Consult financial advisors, accountants, and investment professionals to get personalized guidance tailored to your financial situation and goals.
  • Long-Term Perspective: Accumulating substantial wealth often takes time. Maintain a long-term perspective and avoid chasing quick gains or making impulsive decisions.
  • Charitable and Social Responsibility: Giving back to society and supporting social causes can provide personal satisfaction and tax benefits. It's important to contribute positively to the community as your wealth grows.

Bottom Line

Decoding the average net worth of the top 1 percent in US reveals a multifaceted tapestry of factors contributing to their financial achievement. Their diverse income streams, investment acumen, entrepreneurial pursuits, and educational attainment all play a role in shaping their net worth. 

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Q1. What is the average net worth of the top 1?

A. People with the top 1% of net worth in the U.S. in 2022 had $10,815,000 in net worth. 

Q2. What is the average net worth of the top 1% in the world?

A. As per Credit Suisse's data, individuals holding wealth exceeding $1 million are positioned within the top 1 percent category.

Q3. What is the top 5 percent net worth?

A. Individuals within the top 5% of net worth in the United States in 2022 possessed a net worth of $1,030,000.

Q4. How many people are in the top 1%?

A. In 2021, more than 22 million individuals living in the United States were part of the global elite, constituting the top one percent of ultra-high net worth individuals worldwide.