Federal Reserve Board – Federal Reserve releases report on the economic well-being of U.S. households in 2025

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The Federal Reserve on Wednesday released its report on the economic well-being of American households in 2025, which examines the financial situation of American adults and their families. Overall, the report shows that financial well-being was in line with recent years. The survey results indicate that the labor market remained strong, despite some slowdown since the previous year’s survey. Rising prices remain the most common financial concern, although the share of U.S. adults saying it is a major concern has declined slightly.

The report draws on the Council’s annual Household Economics and Decision-Making (SHED) survey, conducted in October 2025. It analyzes a wide variety of topics, including financial well-being, employment, income and spending, and housing.

“As we work to support a strong and vibrant economy, it is critical that the Federal Reserve understands the economic experiences of families and communities,” said Federal Reserve Board Governor Michael S. Barr. “SHED provides valuable data on how households are coping with changing financial opportunities and challenges.”

The report said 73 percent of adults said they were doing well or living comfortably financially, a figure in line with 2024, but lower than the overall high of 78 percent in 2021. The share of those who would cover an emergency expense of $400 in cash or its equivalent also remained unchanged from 2024, at 63 percent.

Prices remained the most common financial concern among U.S. adults, with the percentage citing it as a major or minor concern, unchanged at 91 percent. However, the share of people citing “rising prices” as a “major concern” fell to 53%, compared to 56% in 2024.

Responses indicate a strong job market, but one that has weakened since the previous year’s survey. Forty-two percent of adults said “finding or keeping a job” was a minor or major concern, up from 37 percent in 2024. The percentage of adults who voluntarily left their job decreased slightly to 8 percent. There was a slight increase in layoffs, as 7 percent of all adults reported being laid off, up from 6 percent in 2024.

The report also discusses the adoption of generative artificial intelligence (AI) in the workplace. One in four workers have used generative AI at work in the past month, and 81% of users agreed it saves them time. AI users were also more likely to agree that the technology would improve their careers than to say they feared AI would replace their jobs. However, workers who did not use AI in the previous month saw fewer potential benefits.

The report, fact sheet, downloadable data, data visualizations and a video summarizing the report’s findings are available here.

For media inquiries, please email [email protected] or call (202) 452-2955.

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