The new wealth study: every second in Germany over 100,000 euros!

The new wealth study: every second in Germany over 100,000 euros!

The question of prosperity is more relevant in Germany than ever. According to a new study by the Institute of German Economy (IW) Cologne, published on July 9, 2025, every second budget in Germany is one of the more financial citizens because it has more than 100,000 euros. The median value of the assets is 103,100 euros, which makes the range of wealth distribution clear. But what does the prosperity look like in detail?

The richest ten percent of households in Germany even have more than 777,200 euros, which shows that the difference between poor and the empire is often significant. It is particularly striking that the assets depend heavily on the age of the household members. For example, under 35-year-olds only have a median assets of 17,300 euros, while households with members between the ages of 55 and 64 can already come to 241,100 euros. These age groups also show interesting differences in the way of life: While less than 10% of younger people live in a home, over 50% of older households use this form of living.

asset structures at a glance

• under 35-year-old: median value of the budget networks: 17,300 euros
• 55- to 64-year-olds: median value of the budget networks: 241,100 euros
• 75 years and older: Average assets: 172,500 euros

The study is based on the “Private Households and their Finance” by the Deutsche Bundesbank, in which 3,985 households were asked about asset and debt situation. Household networks are considered, i.e. gross assets minus the liabilities such as mortgage and consumer loans. The assets include real estate, financial assets, valuables, vehicles and business assets.

Another point that the IW study brings up is the enormous influence of the own home on wealth formation. It is no secret that property is often a promising way to build up fortune. According to the data from the IW study, it turns out that it is highly withdrawn when it comes to who invests in a home and what this means for the financial stability of a household. Here the statistics also take a look at the trends in the real estate market and the questions that arise. In order to facilitate private assets, the IW suggests relieving the work income.

As time shows, these topics are not only discussed in the general public, but also affect everyone directly. The focus will continue to develop developments around assets and home in the coming years. Further information on the assets can be found in the detailed data from t-online.de, Spiegel.de and and Statista.com.