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By Dara-Abasi Ita
Top earners bring in far more than most households, but the gap depends heavily on age and location. Bojanstory / Getty ImagesHow much does it take to count as one of America’s top earners? More than many households bring in—but the answer depends a lot on your age and where you live.
To be in the top 10% of U.S. households, you’d need at least $210,000 in annual income or at least $1.8 million in net worth, according to a November 2025 report from Visa. That income threshold is 24% higher than it was in 2019.
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