Hey, if you’re a NASCAR fan keeping an eye on the next wave of talent, chances are you’ve heard Zane Smith’s name more than a few times. The 26-year-old from Huntington Beach, California, is already making noise in the Cup Series with Front Row Motorsports.

He’s coming off that huge 2022 Truck Series championship and a pretty solid rookie year in 2024. Racing runs in his family; his dad, Mike, had a race shop and an off-road team, so Zane’s path from riding BMX bikes at age three to go-karts and super late models has always been about hustle and heart. But before we dive into his racing career, let’s get to know his net worth, contract, and other earnings.

What is Zane Smith’s net worth?

By 2025, Zane’s net worth is estimated to be around $2 million. That comes from his racing paychecks, sponsor deals, and a little off-track financial sense that’s given him a solid start early in his Cup career.

Zane Smith’s contract

In January 2025, Smith signed a multi-year deal with Front Row Motorsports to drive the No. 38 Ford Mustang Dark Horse full-time in the Cup Series. It’s a reunion after his Truck championship season with the team in 2022. The deal puts him alongside Todd Gilliland and Noah Gragson as FRM expands to three cars thanks to their charter purchase from Stewart-Haas Racing.

Year: 2025

Team: Front Row Motorsports

Car Number: 38

Key Terms: Multi-year Cup deal, back with crew chief Ryan Bergenty from his 2023 limited starts, building on his 2024 rookie season with Spire Motorsports (on loan from Trackhouse).

The focus here is growth. FRM owner Bob Jenkins has been clear that he believes in Zane’s championship pedigree and Cup-winning potential. Money details aren’t public, but the new charter gives Smith guaranteed race entries.

What is Zane Smith’s salary?

For 2025, Zane’s base salary with FRM is estimated at $1.5 million. On top of that, there’s a signing bonus of about $71,000 and performance bonuses for stage points, strong finishes, and playoff runs.

Base Salary: $1.5 million

Signing Bonus: $71,000

Incentives: $200,000 – $400,000 (variable)

Total Estimated: $1.77 – $1.97 million

NASCAR doesn’t release official contracts, but this payday reflects Zane’s Truck title value and his rookie stats in 2024 (two top-5s, four top-10s). It’s definitely a bump from the $1 million base he got with Spire in 2024, showing FRM is investing in young talent.

Zane Smith’s career earnings

By 2025, Zane’s career earnings will be around $3.5 million, spread across the Truck, Xfinity, and Cup Series. That 2022 Truck championship really padded the numbers thanks to prize money, bonuses, and sponsor incentives.

2017–2019 (ARCA, Venturini/MDM): ~$150,000 (rookie honors, top-10s)

2020–2021 (Truck, GMS): ~$800,000 (runner-up finishes, 2 wins)

2022 (Truck, FRM): ~$1.2 million (championship, 4 wins)

2023 (Truck/Cup part-time, FRM): ~$600,000 (6 Truck top-5s, 7 Cup starts)

2024 (Cup full-time, Spire/Trackhouse loan): ~$750,000 (2 top-5s, 4 top-10s)

Total: ~$3.5 million

His 2022 title run alone was worth more than half a million in prize money, according to estimates.

Zane Smith’s professional racing career

Zane’s racing life kicked off early. At three, he was on BMX bikes, and by 2004, he’d moved into go-karts, winning five straight championships. By his teens, he was racking up wins in Legends cars and Super Late Models, including the World Series of Asphalt, Pro All Stars Series, and the CARS Tour. His runner-up finish in the 2018 Snowball Derby showed he could handle the big stage.

His ARCA stint in 2018 with Venturini Motorsports was huge as he finished second in points and picked up Rookie of the Year with eight top-10s in just 11 races. The next year, he split time in Xfinity with JR Motorsports, posting two top-5s and seven top-10s in 10 races.

The Trucks, though, were where he broke out. With GMS Racing in 2020–2021, he finished runner-up both years, collected two wins, and scored 19 top-5s. That 2020 Michigan win—where he stole it from Christian Eckes on the last lap- still stands out. In 2022, FRM put him in the No. 38, and he answered with a championship season: four wins, 14 top-5s, and 29 top-10s in 23 races, including big wins at Daytona and COTA.

He made his Cup debut in 2022 with RFK Racing’s No. 17 at Gateway, finishing 17th. A year later, he had part-time Cup runs with FRM, including a 10th-place finish at the Coca-Cola 600. His first full-time Cup season came in 2024 with Spire Motorsports in the No. 71, where he scored two top-5s (second at Nashville, fifth at Watkins Glen) and four top-10s, wrapping up with a 23.2 average finish.

Now, in 2025, he’s back with FRM in the No. 38, teamed up with Gilliland and Gragson, with Bergenty calling the shots.

What are the brands endorsed by Zane Smith?

Zane’s got a pretty good sponsor lineup for a young driver. Speedy Cash and TitleMax are major backers in 2025, each covering four races on his No. 38, including Daytona and Bowman Gray. Benebone is back, too, tying into his family-man image with his wife, McCall, sponsoring three races.

Other supporters include Focused Health and Wellcare through Trackhouse ties, plus RTA Telecommunications and Horizon Hobby, which go back to his Truck days. Altogether, his endorsements are thought to be worth around half a million a year, built on his clean-cut image and championship resume.

Zane Smith’s investments and business ventures

Unlike some drivers, Zane doesn’t make headlines for business ventures. He mostly keeps it simple, focuses on racing, and lets the endorsements do their work.

Zane Smith’s house and cars

Like many NASCAR drivers, Zane calls Mooresville, North Carolina, home. He bought a house there in 2023 for about $750,000. It’s a family-friendly place in a gated neighborhood, with four bedrooms and plenty of space for trophies.

His garage is a mix of practical and fun. He drives a customized Ford F-150 day-to-day, keeps a 1969 Mustang as a nod to his off-road roots, and has a Porsche 911 for joyrides. His favorite piece, though, is his 2022 Truck championship-winning truck, which he’s kept as a reminder of his breakthrough.

Conclusion

So yeah, Zane Smith’s estimated $2 million net worth in 2025 is a strong foundation for a 26-year-old champion. Between his Truck title, Cup experience, and sponsor support from brands like Speedy Cash and Benebone, he’s building a steady career.

From those BMX beginnings to taking over the No. 38 at FRM, his story is one of climbing step by step with his family behind him. As he chases his first Cup win in 2025, the grind is proving worth it, expect more top-10s, and maybe, finally, that first checkered flag.