How Many Accredited Investors Are There in the US? (2026 Data)
The latest SEC estimates, how the pool has grown since 1983, and what it means for sponsors raising capital.
Read →For Dual-income households
Dual-income households: the joint accreditation path
Two incomes can qualify together. What the $300,000 joint test means, and how to approach your first private investment as a couple.
Why it comes up
Why dual-income households look at private real estate
- Combined income may meet the joint accreditation threshold.
- Shared goals: passive income, diversification, long-term wealth.
- Interest in learning before committing larger amounts.
What to watch
Considerations specific to you
- The joint test is $300,000 combined in each of the last two years, with the same expected this year.
- Decide together how illiquid capital fits with childcare, housing and career changes.
- Start smaller and diversify across sponsors.
Accreditation
How accreditation usually applies
Most private real estate offerings are limited to accredited investors. Sponsors using Rule 506(c) must verify your status.
- Joint income test: $300,000+ combined with a spouse or spousal equivalent in each of the last two years, with the same expected this year.
- Net worth test: $1 million+, alone or with a spouse or spousal equivalent, excluding your primary residence.
Summary of SEC rules for education. Confirm your status with your advisor; sponsors may request documentation. See who qualifies.
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Educational content only; not investment, tax or legal advice, or an offer to buy or sell any security.