Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Total Under 65 and 75 and Item two 25 25-34 35-44 45-54 55-64 over 65-74 over persons Number of consumer units (in thousands)...... 33,732 1,822 4,286 4,521 6,737 7,005 9,360 5,600 3,759 Income before taxes a/ ...................... $49,133 $30,237 $57,708 $51,883 $62,917 $55,654 $33,329 $36,005 $29,243 Income after taxes a/ ....................... 45,532 29,023 53,402 48,064 56,954 51,551 31,685 33,913 28,285 Age of the reference person.................. 52.9 21.9 29.3 39.7 49.9 59.3 73.5 69.2 79.8 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .2 .2 .3 .1 b/ b/ b/ b/ Persons 65 and over......................... .5 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.2 1.6 1.7 1.5 1.6 1.3 .5 .6 .3 Vehicles.................................... 2.1 1.5 1.8 2.0 2.5 2.5 1.9 2.1 1.6 Percent distribution: Male........................................ 57 41 55 48 52 62 67 67 67 Female...................................... 43 59 45 52 48 38 33 33 33 Homeowner................................... 74 18 46 62 81 88 89 90 87 With mortgage.............................. 38 10 38 48 58 42 20 26 12 Without mortgage........................... 36 8 8 14 23 46 68 63 75 Renter...................................... 26 82 54 38 19 12 11 10 13 Black....................................... 9 13 11 14 10 8 6 7 5 White and other............................. 91 87 89 86 90 92 94 93 95 Elementary (1-8)............................ 5 2 1 2 2 6 12 8 17 High school (9-12).......................... 39 36 25 41 36 42 45 46 45 College..................................... 55 62 73 57 61 53 43 46 38 Never attended and other.................... c/ c/ d/ c/ c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 93 84 91 90 94 95 93 94 90 Average annual expenditures.................. $39,501 $28,205 $42,321 $40,088 $45,403 $43,417 $33,068 $35,822 $28,960 Food........................................ 5,198 3,944 5,158 5,240 5,865 5,634 4,697 5,007 4,231 Food at home............................. 2,924 1,909 2,517 2,782 3,243 3,261 2,978 3,110 2,781 Cereals and bakery products............ 420 269 356 390 457 455 454 459 447 Cereals and cereal products.......... 136 101 134 129 143 139 143 145 140 Bakery products...................... 284 168 222 260 314 316 311 314 307 Meats, poultry, fish, and eggs......... 793 495 667 753 907 896 792 856 696 Beef................................. 240 155 196 224 272 272 244 275 197 Pork................................. 174 90 133 149 200 211 185 202 159 Other meats.......................... 93 64 80 91 106 99 95 98 90 Poultry.............................. 139 103 136 146 160 145 126 135 112 Fish and seafood..................... 113 61 98 111 132 129 109 112 104 Eggs................................. 34 23 25 32 37 40 35 35 33 Dairy products......................... 305 205 265 297 322 334 320 334 300 Fresh milk and cream................. 115 87 96 111 115 124 126 127 124 Other dairy products................. 190 118 169 186 208 211 194 207 175 Fruits and vegetables.................. 517 295 420 452 549 585 581 581 581 Fresh fruits......................... 162 84 121 133 168 189 194 180 215 Fresh vegetables..................... 162 85 137 145 176 192 170 178 157 Processed fruits..................... 110 74 96 98 112 110 130 131 129 Processed vegetables................. 83 51 67 75 94 94 87 92 80 Other food at home..................... 889 644 809 890 1,007 990 831 880 757 Sugar and other sweets............... 110 65 82 112 115 129 116 120 111 Fats and oils........................ 87 58 74 80 98 93 91 99 78 Miscellaneous foods.................. 406 333 403 400 464 434 366 381 342 Nonalcoholic beverages............... 240 172 217 264 274 266 212 222 197 Food prepared by consumer unit on out-of-town trips................... 48 16 33 34 57 67 46 57 29 Food away from home.................... 2,274 2,035 2,641 2,458 2,622 2,373 1,718 1,897 1,450 Alcoholic beverages......................... 414 439 580 530 416 423 257 288 210 Housing..................................... 12,525 9,215 14,403 13,175 14,400 13,398 10,040 10,749 8,983 Shelter.................................. 7,202 5,798 9,323 8,153 8,671 7,051 5,103 5,599 4,364 Owned dwellings........................ 4,764 979 4,707 5,222 6,477 5,245 3,715 4,154 3,062 Mortgage interest and charges........ 2,453 625 3,229 3,368 3,790 2,450 1,050 1,404 523 Property taxes....................... 1,289 230 803 1,030 1,555 1,586 1,428 1,468 1,369 Maintenance, repairs, insurance,other expenses............................ 1,023 123 674 823 1,132 1,209 1,237 1,282 1,170 Rented dwellings....................... 1,800 4,658 4,290 2,486 1,377 837 797 700 942 Other lodging.......................... 638 162 326 445 817 969 590 745 360 Utilities, fuels, and public services.... 2,682 1,773 2,364 2,618 2,912 3,009 2,625 2,733 2,465 Natural gas............................ 357 149 272 326 377 412 396 386 411 Electricity............................ 992 625 778 940 1,087 1,141 1,007 1,051 943 Fuel oil and other fuels............... 125 53 56 106 121 144 168 165 173 Telephone services..................... 885 823 1,027 953 982 935 692 756 595 Water and other public services........ 323 123 231 293 346 377 362 375 343 Household operations..................... 487 262 445 414 457 514 590 497 729 Personal services...................... 93 151 188 93 40 69 94 66 135 Other household expenses............... 394 111 257 321 417 445 496 430 593 Housekeeping supplies.................... 535 227 479 452 557 684 557 599 495 Laundry and cleaning supplies.......... 125 64 114 111 128 155 128 139 110 Other household products............... 262 110 215 236 287 348 256 280 220 Postage and stationery................. 149 54 150 106 141 181 174 180 165 Household furnishings and equipment...... 1,618 1,154 1,792 1,539 1,805 2,140 1,165 1,322 930 Household textiles..................... 123 34 115 95 165 160 105 130 68 Furniture.............................. 407 410 544 383 494 436 270 305 218 Floor coverings........................ 49 8 39 45 47 60 56 63 45 Major appliances....................... 203 144 301 149 187 217 195 208 176 Small appliances, miscellaneous housewares............................ 104 51 96 90 133 147 75 83 64 Miscellaneous household equipment...... 733 507 697 777 778 1,120 464 534 359 Apparel and services........................ 1,665 1,308 2,085 1,761 2,137 1,748 1,103 1,247 889 Men and boys............................. 393 233 445 393 564 406 274 333 185 Men, 16 and over....................... 362 221 416 333 535 378 251 302 176 Boys, 2 to 15.......................... 30 12 29 60 29 28 22 31 9 Women and girls.......................... 663 465 771 707 786 769 468 508 407 Women, 16 and over..................... 617 426 713 627 745 725 440 477 384 Girls, 2 to 15......................... 45 39 58 80 40 44 28 31 23 Children under 2......................... 43 68 54 37 50 52 24 33 10 Footwear................................. 298 243 393 335 421 280 172 183 157 Other apparel products and services...... 267 300 422 289 317 240 165 190 129 Transportation.............................. 7,612 6,196 8,827 7,965 8,316 8,477 6,004 6,920 4,641 Vehicle purchases (net outlay)........... 3,443 2,744 3,974 3,800 3,546 3,971 2,694 3,151 2,014 Cars and trucks, new................... 1,832 736 2,064 1,775 1,754 2,367 1,622 1,778 1,390 Cars and trucks, used.................. 1,581 1,971 1,886 1,943 1,764 1,571 1,066 1,362 624 Other vehicles......................... 30 e/ 37 e/ 24 e/ 81 e/ 28 e/ 33 e/ 7 e/ 11 d/ Gasoline and motor oil................... 1,304 1,173 1,398 1,336 1,538 1,436 1,003 1,168 757 Other vehicle expenses................... 2,376 2,036 2,878 2,347 2,760 2,520 1,841 2,081 1,482 Vehicle finance charges................ 339 410 466 376 424 387 154 207 75 Maintenance and repairs................ 654 550 663 640 738 701 580 654 471 Vehicle insurance...................... 835 698 895 790 923 886 755 814 668 Vehicle rental, leases, licenses, other charges.............................. 547 378 855 541 674 547 351 406 269 Public transportation.................... 489 242 577 482 472 550 467 520 387 Health care................................. 2,713 766 1,305 1,663 2,256 3,049 4,331 4,169 4,573 Health insurance......................... 1,304 380 663 712 984 1,399 2,223 2,093 2,418 Medical services......................... 689 198 386 529 686 864 872 967 731 Drugs.................................... 590 139 176 349 466 639 1,046 933 1,215 Medical supplies......................... 129 49 80 73 119 147 189 176 209 Entertainment............................... 1,938 1,384 2,121 1,924 2,146 2,538 1,373 1,580 1,064 Fees and admissions...................... 538 324 621 528 566 654 440 514 330 Television, radios, sound equipment...... 597 588 678 676 678 605 459 505 390 Pets, toys, and playground equipment..... 348 251 356 423 444 412 212 244 164 Other entertainment supplies, equipment,and services.................. 455 221 465 297 458 866 262 317 180 Personal care products and services......... 543 419 551 529 586 574 515 551 462 Reading..................................... 170 64 152 133 172 210 186 200 167 Education................................... 476 1,407 735 459 770 286 114 93 147 Tobacco products and smoking supplies....... 315 316 315 485 400 316 170 198 129 Miscellaneous............................... 799 428 741 860 953 784 768 749 796 Cash contributions.......................... 1,460 307 697 1,090 1,536 1,550 2,091 2,323 1,745 Personal insurance and pensions............. 3,674 2,012 4,651 4,276 5,450 4,429 1,417 1,748 925 Life and other personal insurance........ 483 71 216 301 575 720 530 622 393 Pensions and Social Security............. 3,191 1,941 4,435 3,975 4,875 3,709 887 1,126 531 Sources of income and personal taxes: a/ Money income before taxes.................. 49,133 30,237 57,708 51,883 62,917 55,654 33,329 36,005 29,243 Wages and salaries....................... 35,858 26,300 54,507 46,162 55,133 39,745 7,894 10,488 3,935 Self-employment income................... 2,708 2,208 2,173 3,004 3,414 4,389 1,250 1,495 876 Social Security, private and government retirement................... 8,411 e/ 185 288 1,125 2,302 8,891 21,236 21,119 21,415 Interest, dividends, rental income, other property income................... 1,357 130 121 395 1,039 1,876 2,496 2,472 2,533 Unemployment and workers'' compensation, veterans'' benefits..................... 177 e/ 69 122 240 243 272 83 116 32 Public assistance, supplemental security, income, food stamps..................... 304 451 119 398 358 370 237 216 269 Regular contributions for support........ 209 587 146 474 284 78 80 63 e/ 105 Other income............................. 110 308 233 85 144 34 53 36 e/ 78 Personal taxes............................. 3,601 1,215 4,306 3,819 5,963 4,104 1,643 2,092 958 Federal income taxes..................... 2,781 927 3,500 2,982 4,622 3,054 1,242 1,588 713 State and local income taxes............. 648 279 762 736 1,131 783 196 254 109 Other taxes.............................. 172 9 43 101 210 266 205 251 136 Income after taxes......................... 45,532 29,023 53,402 48,064 56,954 51,551 31,685 33,913 28,285 Net change in total assets and liabilities... 649 296 -4,968 -2,453 7,071 183 513 -622 2,204 Net change in total assets............... 6,708 4,529 11,238 4,815 14,666 4,408 1,967 1,106 3,249 Net change in total liabilities.......... 6,060 4,233 16,206 7,267 7,596 4,225 1,454 1,728 1,045 Other financial information: Other money receipts..................... 515 93 97 144 569 837 688 758 584 Mortgage principal paid on owned property................................ -1,249 -150 -754 -1,182 -1,978 -1,720 -846 -1,186 -340 Estimated market value of owned home..... 109,638 16,610 65,859 85,296 119,057 135,469 133,445 141,702 121,144 Estimated monthly rental value of owned home.................................... 728 138 494 599 817 881 833 853 804 Gifts of goods and services................. 1,261 624 756 1,066 1,979 1,584 969 965 976 Food..................................... 80 e/ 9 41 82 170 95 37 32 44 Alcoholic beverages...................... 15 e/ 5 36 18 19 10 5 4 7 Housing.................................. 331 156 243 265 426 443 289 257 338 Housekeeping supplies.................. 50 19 54 50 46 68 43 44 43 Household textiles..................... 16 e/ 3 e/ 9 6 25 26 13 15 10 Appliances and miscellaneous housewares........................... 39 e/ 9 32 37 49 57 29 30 26 Major appliances..................... 9 c/ e/ 7 5 11 14 7 9 e/ 4 Small appliances and miscellaneous housewares......................... 30 e/ 8 25 32 37 43 22 22 22 Miscellaneous household equipment...... 73 32 57 76 74 108 60 67 49 Other housing.......................... 154 93 91 96 232 184 144 101 211 Apparel and services..................... 287 123 212 282 388 385 224 265 163 Males, 2 and over...................... 80 32 47 68 99 119 72 86 50 Females, 2 and over.................... 120 33 79 117 184 157 91 99 78 Children under 2....................... 38 24 43 31 50 52 24 33 10 Other apparel products and services.... 49 34 42 66 54 57 38 46 24 Jewelry and watches.................. 15 e/ 6 14 28 16 11 12 16 5 All other apparel products and services............................ 34 e/ 28 28 38 39 45 26 31 e/ 19 Transportation........................... 89 189 40 43 88 135 79 64 101 Health care.............................. 40 e/ 3 e/ 8 57 34 58 46 63 e/ 20 Entertainment............................ 101 41 89 77 134 138 78 88 64 Toys, games, hobbies, and tricycles.... 43 19 34 30 52 68 34 42 22 Other entertainment.................... 58 21 55 47 82 70 44 46 42 Personal care products and services...... 19 24 11 34 25 21 10 12 7 Reading.................................. 2 c/ c/ 1 2 3 4 4 4 Education................................ 202 49 26 132 597 184 77 46 122 All other gifts.......................... 94 27 49 76 97 113 120 130 106 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.