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Here's the Average Home Value of 75-Year-Old Americans (How Do You Compare?)

The Federal Reserve's newest survey of family finances is out, and it's worth seeing how your own housing picture lines up.

By Chris Lewis, CEPF , Edited by Calista Headrick

Updated Nov. 13, 2026

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If you're in your mid-70s, you've probably wondered how your home stacks up against everyone else's. It's a natural thing to think about.

The Federal Reserve surveys American families every few years about what they own and owe, including their homes, and reports the results by age. Here's what the latest numbers show, and what they can tell you about where you stand.

Editor's note: Figures come from the Federal Reserve's 2025 Survey of Consumer Finances, released October 2026. Net housing value means a home's value minus mortgage and other home-secured debt.

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What does the Fed's latest survey say about housing?

The Survey of Consumer Finances is the Federal Reserve's regular look at what American families own and owe, broken out by age and other groups.

In the 2025 survey, among families that owned a home, the median net housing value was $230,000, up from $218,900 in 2022. That's the midpoint for homeowning families of every age, so renters aren't part of it.

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Home value minus what you still owe

The Fed doesn't stop at a home's price tag. It also reports net housing value, which is a home's value minus any mortgage or other home-secured debt. Two families with similarly priced homes can land in very different spots depending on how much they still owe.

The survey also handles assets in a consistent way: for each group, it shows the share of families who have the item at all, plus the median and mean amounts for those who have any.

How many families own a home at all

In the 2025 survey, 66 percent of U.S. families owned their home. That share was about unchanged from 2022.

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How housing stacks up against total net worth

Housing is one piece of what a family owns. The 2025 survey put median family net worth at $215,900, up 2 percent in real terms from 2022, counting all U.S. families, owners and renters alike.

Mean family net worth came in much higher at $1.24 million, up 7 percent in real terms from 2022, also across all U.S. families. The gap between those two measures reflects how families at the top end pull the average above the midpoint.

Sizing up your own home's worth

Check your home's current market value using a recent appraisal, a comparative market analysis from a local real estate agent, or your county assessor's estimate.
Add up what you still owe on any mortgage or home equity loan, so you're looking at your equity and not just the sticker price.
Review your whole net worth picture, since retirement accounts, savings, and other assets all sit alongside your home.
Revisit your homeowners insurance periodically to make sure the coverage reflects what your home is worth now.
Talk with a financial professional if you're weighing downsizing or tapping home equity.

Bottom line

In the 2025 Survey of Consumer Finances, 66 percent of U.S. families owned their home, about unchanged from 2022. Among families that owned, the median net housing value was $230,000, up from $218,900 in 2022.

This article is for informational purposes only and should not be considered investment advice.

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