Germany · Q1 2026
The median household in Germany is worth €128,707
That is the middle household — half of the country owns more, half owns less. It ranks 12th of the 21 countries the European Central Bank measures.
The average is 3.7× the median, and that gap is the whole story of wealth statistics. Averages are dragged upward by a small number of very large fortunes; the median describes the household in the middle. Whenever a headline quotes the average wealth of a country, it is describing almost nobody.
Owning versus renting
In Germany this is the single sharpest divide in the data — wider than any difference between age groups or professions.
A homeowning household in Germany holds 7.9× what a renting household holds. Comparing yourself to the average household here, without knowing which side of that line you are on, tells you very little.
The whole distribution
What each fifth of households owns on average. These are group averages, not the boundaries between groups — the ECB publishes the former and not the latter.
| Group | Average net wealth |
|---|---|
| Bottom 20% | −€13,480 |
| 2nd 20% | €21,070 |
| Middle 20% | €137,830 |
| 4th 20% | €429,380 |
| Top 20% | €1,822,780 |
| Top 10% | €2,847,810 |
The bottom fifth of households in Germany has negative net wealth — on average −€13,480. They owe more than they own. This is not unusual across Europe and it is not a rounding artefact: mortgages, student loans and consumer credit can exceed everything a young household has managed to accumulate.
Where the middle keeps its money
The balance sheet of a household in the middle fifth of Germany. Everything below adds up to their net wealth — assets first, then what is owed against them.
| Property and other non-financial assets | €104,720 |
|---|---|
| Business wealth | €2,890 |
| Pensions and insurance | €17,010 |
| Cash and deposits | €53,120 |
| Investment funds | €8,660 |
| Listed shares | €4,270 |
| Unlisted shares and other equity | €130 |
| Bonds | €420 |
| Debt secured on property | −€36,550 |
| Other debt | −€16,840 |
| Net wealth | €137,830 |
For this household the largest holding is property and other non-financial assets at €104,720 , followed by cash and deposits at €53,120. Against that sits €53,390 of debt.
Where would you sit?
For context, the median household across the whole euro area is worth €166,821.
Source: European Central Bank, Distributional Wealth Accounts, Q1 2026. Net wealth is all assets minus all liabilities, per household. Group figures are averages within each group. Every component on this page reconciles against the ECB's own published net wealth total.