By Benjamin Roure L'Hermitte
At the start of 2024, a household in France held 374,900 euros of gross wealth on average, according to INSEE, the French statistics office. But that average is pulled up by the wealthiest: half of households own less than 205,100 euros, the median, and less than 148,100 euros once debts are deducted. This guide covers average and median wealth in France, by age and by bracket, what it is made of and how concentrated it is, with the official figures from the latest survey.
- €374,900 average gross wealth per household at the start of 2024, and €205,100 median wealth, up 15.7% since 2021.
- €148,100 median net worth, once loans are deducted.
- €857,700 is enough to be among the wealthiest 10% of households, €3,020,900 for the top 1%.
- Highly concentrated: the top 10% hold 48% of total wealth, the bottom half 7%.
Gross wealth adds up everything a household owns: its home and other property, savings and investments, business assets, cars and valuables. Net worth subtracts debts, mainly mortgages. The average divides the total by the number of households; the median splits households into two equal halves and better describes an ordinary household.
All figures come from INSEE Focus no. 371, published in December 2025 from the 2023-2024 Wealth survey. They cover the household, meaning everyone living in the same home, not each individual.
TL;DRAccording to INSEE, a French household held €374,900 of gross wealth on average at the start of 2024, but the median is only €205,100 gross and €148,100 net, because wealth is highly concentrated: the top 10%, above €857,700, hold 48% of it. Wealth rises with age, from a €26,100 median before 30 to €254,100 between 50 and 59. It is 61% real estate and 22% financial investments.
Average and median wealth in France in 2024
| Wealth per household, start of 2024 | Amount |
|---|---|
| Average gross wealth | €374,900 |
| Median gross wealth | €205,100 |
| Median net worth, after debts | €148,100 |
The average is more than 80% above the median: a few very wealthy households are enough to push it up. Median gross wealth rose 15.7% in current euros since the start of 2021, when it stood at about €177,200, a modest increase once inflation is taken out.
Average wealth in France by age
| Age of the reference person | Median gross wealth | Average gross wealth |
|---|---|---|
| Under 30 | €26,100 | €104,400 |
| 30 to 39 | €146,200 | €265,000 |
| 40 to 49 | €215,200 | €367,600 |
| 50 to 59 | €254,100 | €464,800 |
| 60 to 69 | €245,000 | €462,500 |
| 70 or over | €247,600 | €420,300 |
Wealth builds up over a working life: buying a home, paying off the mortgage, saving. It peaks between 50 and 59, then levels off in retirement. Before 30, the median stays low because most young households do not yet own their home.
How much wealth puts you among the richest?
| Share of households | Minimum gross wealth |
|---|---|
| Top 70% | €40,100 |
| Top half | €205,100 |
| Top 30% | €381,800 |
| Top 20% | €530,000 |
| Top 10% | €857,700 |
| Top 5% | €1,268,200 |
| Top 1% | €3,020,900 |
At the other end, 10% of households own less than €6,200 and 30% less than €40,100. In net worth, the top-10% threshold falls to €750,400 and the top-1% threshold to €2,728,900.
What French households' wealth is made of
- Real estate: 61% of average gross wealth, led by the main home.
- Financial assets: 22%: savings accounts, life insurance, retirement savings, shares and funds.
- Business assets: 11%: property and shares owned by the self-employed and business owners.
- Other assets: 6%: cars, equipment, jewellery and art.
The mix changes with wealth. For the top 10%, real estate weighs only 53% and business assets 19%; for the top 1%, business assets come first at 36%, ahead of real estate at 34%. Loans represent 13% of gross wealth on average.
Highly concentrated wealth
The wealthiest 10% of households hold 48% of total gross wealth, the top 5% hold 34% and the richest 1% hold 15%. The bottom half owns only 7%. The Gini index, which measures this inequality from 0 to 1, stood at 0.652 in 2024, against 0.645 in 2015: wealth is far more unequally distributed than income.
Benchmarking and growing your wealth
Comparing your wealth with the median for your age group gives a benchmark, not a target. What makes it grow is well known: regular saving, investments matched to each goal's horizon and low fees over the long run. Our guide to portfolio diversification explains how to spread your investments, and the one on financial independence how much wealth it takes to live off its income.
Tradoshi's wealth tracking brings accounts and investments together in one place, keeps your cost basis line by line and shows the real split between property, financial investments and cash.
Frequently asked questions
What is the average net worth in France?
€374,900 of gross wealth per household at the start of 2024 according to INSEE. The median, more representative, is €205,100 gross and €148,100 net, after debts.
What is median wealth by age in France?
€26,100 under 30, €146,200 between 30 and 39, €215,200 between 40 and 49, €254,100 between 50 and 59, €245,000 between 60 and 69 and €247,600 from 70, in gross wealth per household.
How much wealth makes you rich in France?
It takes €857,700 of gross wealth to be among the top 10% of households, €1,268,200 for the top 5% and €3,020,900 for the top 1%.
Why is the average so far above the median?
Because wealth is highly concentrated: the top 10% hold 48% of it. A few large fortunes pull the average up, while the median describes the household in the middle.
Is there an average wealth per person in France?
INSEE measures wealth per household, meaning per home, not per person. A household often includes several people, including children with no wealth of their own.
What is French household wealth made of?
61% real estate, 22% financial assets, 11% business assets and 6% other goods such as cars and valuables.