Wealth varies by family type
Married couples without children at home had the highest average total assets of any family type in 2009, at nearly $659,000. Female lone-parent families had the lowest average total assets, at $187,000, and unattached women aged 65 and older had the second-lowest, at $249,000.
Debts—including money owed on a mortgage, loan, line of credit, credit card or student loan—were highest for two-parent families with children, at an average debt of just over $130,000 in 2009. Married couples without children had an average debt of $61,000.
Family status plays a role in net worth, which is the value of assets minus debts. In 2009, married couples without children at home had the highest average net worth, at $597,000. Two-parent families with children had an average net worth of just over $442,000, whereas lone-parent fathers’ net worth was $135,000 and lone-parent mothers’ net worth averaged $119,000.
For senior families, home ownership plays an important role in their income. The income generated by the equity of homeowners increases the income of retirement-age households from 10% to 13% for those aged 60 to 69 and from 12% to 15% for those aged 70 and older.
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