Assets, Debts, & Net Worth

Understand Household Financial Health at the Neighborhood Level

AGS’s household finances dataset offers a high-resolution view of the assets people hold, the debts they carry, and how net worth is distributed across every standard U.S. geography. 

Built from the Survey of Consumer Finances and modeled using AGS’s Synthetic Household approach, this dataset provides realistic, location-based estimates that help you go beyond income and uncover meaningful financial behavior.

Whether you’re mapping wealth distribution or assessing lending risk, AGS gives you a trusted window into household financial stability.

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What’s Included

  • Detailed breakdowns of household assets (liquid and non-liquid)
  • Comprehensive tabulations of debts by type and purpose
  • Estimates of net worth, both including and excluding primary residence
  • Credit-related indicators such as late payments, bankruptcies, and credit denials
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Built for Industry

Banking & Lending

Identify high and low-risk areas based on net worth, debt patterns, and borrowing capacity to inform smarter lending strategies.

Insurance

Align products and pricing with household asset profiles, credit behavior, and risk exposure across neighborhoods and regions.

Retail & Franchise

Target locations with strong financial capacity for higher-ticket purchases, recurring spending, and premium brand affinity.

Government & Policy

Support economic development planning and community finance programs with data on wealth gaps, debt loads, and credit access.

Real Estate & Housing

Assess equity, mortgage load, and overall financial strength of target areas to guide investment, development, and pricing decisions.

Nonprofits & Foundations

Direct resources to areas with high debt or low net worth indicators that signal financial insecurity or community vulnerability.

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Methodology

The AGS dataset is based on the Federal Reserve’s 2022 Survey of Consumer Finances and refined using AGS’s proprietary Synthetic Household model. 

This model works at the household level—rather than from summary tabulations—to reflect local relationships between demographics, shelter costs, and financial behavior. 

The result: realistic, consistent data down to the census block.

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Documentation & Support

Every AGS dataset is fully documented and supported by a dedicated U.S.-based team. We offer:

  • Field-level metadata
  • Methodology documentation
  • Integration guidance
  • Responsive technical support
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