{
  "source": "Federal Reserve Survey of Consumer Finances (SCF) 2022",
  "generatedBy": "scripts/process-scf-networth-extras.mjs",
  "processedDate": "2026-10-06",
  "cpiAdjustment": {
    "series": "CPI-U (CPIAUCSL), BLS via FRED",
    "base": {
      "period": "2022 annual average",
      "index": 292.626
    },
    "current": {
      "period": "May 2026",
      "index": 333.979
    },
    "factor": 1.1413
  },
  "adjusted2026": {
    "overall": {
      "p10": 500,
      "p25": 30800,
      "p50": 219900,
      "p75": 752100,
      "p90": 2210600,
      "p95": 4331900,
      "p99": 15539300
    },
    "byAge": {
      "Under 35": {
        "p10": -14600,
        "p25": 4500,
        "p50": 44600,
        "p75": 174100,
        "p90": 424800,
        "p95": 711900,
        "p99": 2710700
      },
      "35-44": {
        "p10": 100,
        "p25": 21800,
        "p50": 154400,
        "p75": 473600,
        "p90": 1198000,
        "p95": 2007700,
        "p99": 7999900
      },
      "45-54": {
        "p10": 4800,
        "p25": 58600,
        "p50": 281600,
        "p75": 913000,
        "p90": 2252400,
        "p95": 3797100,
        "p99": 14294800
      },
      "55-64": {
        "p10": 6300,
        "p25": 93300,
        "p50": 415700,
        "p75": 1280800,
        "p90": 3379300,
        "p95": 7116800,
        "p99": 20117700
      },
      "65-74": {
        "p10": 5500,
        "p25": 99300,
        "p50": 467900,
        "p75": 1342300,
        "p90": 3420900,
        "p95": 7567900,
        "p99": 22721000
      },
      "75+": {
        "p10": 11400,
        "p25": 106800,
        "p50": 382000,
        "p75": 1113000,
        "p90": 3080400,
        "p95": 6652400,
        "p99": 20231000
      }
    }
  },
  "exHomeEquity": {
    "overall": {
      "p10": -1820,
      "p25": 9530,
      "p50": 66570,
      "p75": 369000,
      "p90": 1399000,
      "p95": 3047800,
      "p99": 12287000
    },
    "byAge": {
      "Under 35": {
        "p10": -16389,
        "p25": 590,
        "p50": 20640,
        "p75": 74980,
        "p90": 198500,
        "p95": 425500,
        "p99": 2375100
      },
      "35-44": {
        "p10": -12100,
        "p25": 8170,
        "p50": 51500,
        "p75": 228970,
        "p90": 750700,
        "p95": 1264000,
        "p99": 5853500
      },
      "45-54": {
        "p10": -1460,
        "p25": 14600,
        "p50": 91750,
        "p75": 448400,
        "p90": 1478800,
        "p95": 2910000,
        "p99": 11556900
      },
      "55-64": {
        "p10": 360,
        "p25": 13840,
        "p50": 137100,
        "p75": 697700,
        "p90": 2354100,
        "p95": 4882320,
        "p99": 15435000
      },
      "65-74": {
        "p10": 270,
        "p25": 16940,
        "p50": 171390,
        "p75": 780000,
        "p90": 2420000,
        "p95": 5442520,
        "p99": 18390000
      },
      "75+": {
        "p10": 1600,
        "p25": 16000,
        "p50": 105500,
        "p75": 521800,
        "p90": 2065400,
        "p95": 4527900,
        "p99": 16537820
      }
    }
  },
  "millionaires": {
    "overall": 0.1804,
    "byAge": {
      "Under 35": 0.0215,
      "35-44": 0.1043,
      "45-54": 0.2059,
      "55-64": 0.2731,
      "65-74": 0.2846,
      "75+": 0.2357
    }
  },
  "compositionByBand": {
    "p0_25": {
      "label": "Bottom 25%",
      "shares": {
        "home": 0.3533,
        "retirement": 0.0788,
        "business": 0.0119,
        "stocks_funds": 0.0106,
        "vehicles": 0.3876,
        "other": 0.1578
      },
      "debtToAsset": 1.1751,
      "medianNetWorth": 3471,
      "households": 32820890
    },
    "p25_50": {
      "label": "25th-50th",
      "shares": {
        "home": 0.6614,
        "retirement": 0.0805,
        "business": 0.0099,
        "stocks_funds": 0.0075,
        "vehicles": 0.1281,
        "other": 0.1126
      },
      "debtToAsset": 0.5017,
      "medianNetWorth": 93400,
      "households": 32830226
    },
    "p50_75": {
      "label": "50th-75th",
      "shares": {
        "home": 0.6023,
        "retirement": 0.1343,
        "business": 0.0271,
        "stocks_funds": 0.0231,
        "vehicles": 0.0716,
        "other": 0.1416
      },
      "debtToAsset": 0.2488,
      "medianNetWorth": 356900,
      "households": 32825297
    },
    "p75_90": {
      "label": "75th-90th",
      "shares": {
        "home": 0.4186,
        "retirement": 0.2181,
        "business": 0.0471,
        "stocks_funds": 0.0687,
        "vehicles": 0.0388,
        "other": 0.2087
      },
      "debtToAsset": 0.1366,
      "medianNetWorth": 1036300,
      "households": 19696243
    },
    "p90_99": {
      "label": "90th-99th",
      "shares": {
        "home": 0.2154,
        "retirement": 0.2202,
        "business": 0.1576,
        "stocks_funds": 0.1809,
        "vehicles": 0.0159,
        "other": 0.21
      },
      "debtToAsset": 0.0632,
      "medianNetWorth": 3340000,
      "households": 11818930
    },
    "p99plus": {
      "label": "Top 1%",
      "shares": {
        "home": 0.0715,
        "retirement": 0.0609,
        "business": 0.403,
        "stocks_funds": 0.2616,
        "vehicles": 0.0054,
        "other": 0.1976
      },
      "debtToAsset": 0.0212,
      "medianNetWorth": 20415960,
      "households": 1314802
    }
  }
}