Retirement
13 stats
$112,572
Average 401(k) Balance by Age
Vanguard How America Saves 2025
$27,376
Median 401(k) Balance by Age
Vanguard How America Saves 2025
$23,500
401(k) Contribution Limits 2026
IRS Notice 2024-80
$7,000
IRA Contribution Limits 2026
IRS Notice 2024-80
$4,300
HSA Contribution Limits 2026
IRS Rev. Proc. 2024-25
$1,968
Average Social Security Benefit 2026
Social Security Administration
$5,108
Maximum Social Security Benefit 2026
Social Security Administration
67
Social Security Full Retirement Age 2026
Social Security Administration
26%
Americans With No Retirement Savings
Federal Reserve Report on Economic Well-Being of US Households (SHED)
62
Average Retirement Age
Employee Benefit Research Institute (EBRI)
4.6%
Average 401(k) Employer Match
Vanguard How America Saves 2025
20%
Roth IRA Participation Rate
Investment Company Institute (ICI)
$32,400
Average Roth IRA Balance by Age
Investment Company Institute (ICI) / Fidelity
Income & Wages
10 stats
$78,538
Median Household Income in the US
US Census Bureau, ACS
$682,500
Top 1% Income Threshold
Economic Policy Institute / IRS SOI
$216,056
Top 10% Income Threshold
US Census Bureau, ACS / IRS SOI
$48,060
Average Individual Income in the US
US Census Bureau, ACS
84¢
Gender Pay Gap in the US
Bureau of Labor Statistics, Census ACS
$7.25
Federal Minimum Wage 2026
US Department of Labor
100
Cost of Living Index by State
Council for Community and Economic Research (C2ER)
$385,810
Top-Paying Jobs in the US
Bureau of Labor Statistics OEWS
29%
Remote Work Rate in the US
WFH Research Survey of Working Arrangements and Attitudes
39%
Americans with a College Degree
US Census Bureau ACS / BLS Education Pays
Net Worth
11 stats
$192,084
Median US Household Net Worth
Federal Reserve Survey of Consumer Finances
$11.6M
Top 1% Net Worth Threshold
Federal Reserve SCF / Knight Frank Wealth Report
$8,400
Average Savings Account Balance by Age
Federal Reserve Survey of Consumer Finances
62%
Americans Living Paycheck to Paycheck
LendingClub / PYMNTS Reality Check Report
59%
Americans Without an Emergency Fund
Bankrate Emergency Savings Survey
44×
Renters vs Homeowners Net Worth
Federal Reserve Survey of Consumer Finances
$6,440
Average Monthly Spending Per Household
BLS Consumer Expenditure Survey
67%
US Wealth Distribution
Federal Reserve Distributional Financial Accounts
$334,000
Cost of Raising a Child
USDA Cost of Raising a Child / Brookings updates
$28,840
Average College Cost
College Board Trends in College Pricing
$192,084
Median Net Worth by Age
Federal Reserve Survey of Consumer Finances
Housing
12 stats
$412,300
Median US Home Price
National Association of Realtors
$2,387
Average Monthly Mortgage Payment
Federal Reserve Bank of St. Louis (FRED)
65.6%
US Homeownership Rate
US Census Bureau, Housing Vacancy Survey
13%
Average Down Payment on a House
National Association of Realtors
$1,560
Average 1-Bedroom Rent in the US
US Census Bureau, ACS / Pulsafi cityData
$2,015
Average 2-Bedroom Rent in the US
US Census Bureau, ACS / Pulsafi cityData
6.875%
Average Mortgage Rate
Freddie Mac Primary Mortgage Market Survey
$53,600
Average Down Payment by State
National Association of Realtors / ATTOM Data
1.10%
Average Property Tax Rate by State
Pulsafi Property Tax Research / ATTOM Data
$1,946
Average Homeowners Insurance
Insurance Information Institute / ATTOM
$6,905
Average Mortgage Closing Costs
ClosingCorp / CoreLogic
49%
Rent Burden in the US
Joint Center for Housing Studies, Harvard
Debt
6 stats
$6,580
Average Credit Card Debt in the US
Federal Reserve Bank of New York / Experian
$37,338
Average Student Loan Debt
US Department of Education
$252,500
Average Mortgage Debt
Federal Reserve Bank of New York
$745
Average Auto Loan Payment
Experian State of the Automotive Finance Market
12.4%
Average Personal Loan APR
Federal Reserve / Bankrate Survey
39%
Americans Using Buy Now Pay Later
Federal Reserve / Consumer Financial Protection Bureau
Credit
4 stats
Taxes
10 stats
37%
2026 Federal Tax Brackets (Single Filers)
IRS Rev. Proc. 2024-40
37%
2026 Federal Tax Brackets (Married Filing Jointly)
IRS Rev. Proc. 2024-40
$15,000
2026 Standard Deduction
IRS Rev. Proc. 2024-40
$3,182
Average Tax Refund
IRS Filing Season Statistics
13.6%
Average Effective Tax Rate by Income
IRS Statistics of Income / Tax Foundation
0%, 15%, or 20%
2026 Capital Gains Tax Rates
IRS Rev. Proc. 2024-40
0.38%
IRS Audit Rate
IRS Data Book / TRAC Reports
11.4%
Average Total Tax Burden by State
Tax Foundation
$176,100
Social Security Tax Cap
Social Security Administration / IRS
$13.99M
Federal Estate Tax Exemption
IRS Rev. Proc. 2024-40
Markets & Investing
9 stats
10.3%
S&P 500 Historical Return
S&P Dow Jones Indices / NYU Stern
5.5%
Average Investor Return
DALBAR Quantitative Analysis of Investor Behavior (QAIB)
2.3%
US Inflation Rate
US Bureau of Labor Statistics
$58.4T
Total US Stock Market Capitalization
S&P Dow Jones Indices / SIFMA
+50% / -43%
Best and Worst S&P 500 Years on Record
S&P Dow Jones Indices / NYU Stern
4.50%
Federal Funds Rate
Federal Reserve Board / FOMC
4.214%
US Treasury Yields
US Department of the Treasury
58%
Americans With Investment Accounts
Federal Reserve SCF / Gallup
1.02%
Average Financial Advisor Fees
Kitces.com Industry Survey / Investment Advisor magazine
Savings & Banking
3 stats
All Pulsafi stats are sourced from primary government data (BLS, Census, IRS, Federal Reserve, SSA) and major financial institutions (Vanguard, FDIC, NAR). Read the full methodology and data-sources page for sourcing standards and update cadence.