Table 3650. Consumer units of five or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Total Item five or Under 25-34 35-44 45-54 55-64 65 and more 25 over persons Number of consumer units (in thousands)...... 11,192 387 2,683 4,790 2,406 630 296 Income before taxes a/ ...................... $63,354 $39,448 $45,034 $67,119 $79,481 $67,615 $59,659 Income after taxes a/ ....................... 60,883 39,277 44,159 64,324 75,233 65,354 58,985 Age of the reference person.................. 40.5 21.8 30.5 39.4 48.5 58.8 71.7 Average number in consumer unit: Persons..................................... 5.6 5.9 5.5 5.6 5.7 6.0 5.9 Children under 18........................... 2.8 2.4 3.1 3.1 2.3 2.0 2.0 Persons 65 and over......................... .1 b/ .1 c/ .1 .1 .2 1.5 Earners..................................... 2.3 2.8 1.9 2.1 2.8 2.8 2.3 Vehicles.................................... 2.6 2.3 2.0 2.6 3.1 3.0 2.1 Percent distribution: Male........................................ 53 47 48 51 61 63 48 Female...................................... 47 53 52 49 39 37 52 Homeowner................................... 71 32 53 75 83 80 84 With mortgage.............................. 58 27 45 65 66 51 39 Without mortgage........................... 13 5 9 11 16 29 45 Renter...................................... 29 68 47 25 17 20 16 Black....................................... 16 19 16 14 13 19 32 White and other............................. 84 81 84 86 87 81 68 Elementary (1-8)............................ 8 8 9 5 8 19 25 High school (9-12).......................... 43 56 52 41 35 48 44 College..................................... 48 34 39 54 56 33 30 Never attended and other.................... 1 2 d/ d/ 1 d/ d/ At least one vehicle owned or leased........ 93 89 90 94 96 95 85 Average annual expenditures.................. $54,637 $39,735 $43,226 $57,612 $64,610 $56,055 $46,551 Food........................................ 8,245 6,992 7,203 8,214 9,828 7,493 9,418 Food at home............................. 5,197 4,765 4,798 5,092 5,803 5,139 6,672 Cereals and bakery products............ 810 822 700 821 899 794 941 Cereals and cereal products.......... 309 334 265 310 352 285 366 Bakery products...................... 501 488 435 511 547 508 574 Meats, poultry, fish, and eggs......... 1,413 1,328 1,404 1,283 1,601 1,480 2,239 Beef................................. 429 349 444 384 509 422 591 Pork................................. 286 219 314 254 299 310 515 Other meats.......................... 176 166 145 180 179 214 268 Poultry.............................. 281 292 266 252 339 291 405 Fish and seafood..................... 180 192 177 157 209 173 380 Eggs................................. 62 110 57 57 66 72 81 Dairy products......................... 563 455 486 579 627 578 632 Fresh milk and cream................. 248 245 219 252 269 259 269 Other dairy products................. 315 210 267 327 358 319 363 Fruits and vegetables.................. 862 961 799 819 979 839 1,129 Fresh fruits......................... 266 253 235 264 299 253 357 Fresh vegetables..................... 266 307 252 246 307 282 325 Processed fruits..................... 198 258 183 183 235 175 256 Processed vegetables................. 132 144 130 126 138 130 190 Other food at home..................... 1,549 1,199 1,409 1,590 1,698 1,447 1,731 Sugar and other sweets............... 199 109 178 209 219 192 230 Fats and oils........................ 141 125 132 135 161 143 199 Miscellaneous foods.................. 754 598 717 776 818 599 784 Nonalcoholic beverages............... 402 354 355 407 441 424 460 Food prepared by consumer unit on out-of-town trips................... 53 b/ 13 28 63 60 87 b/ 59 Food away from home.................... 3,048 2,227 2,405 3,122 4,024 2,355 2,746 Alcoholic beverages......................... 321 514 220 324 413 197 382 Housing..................................... 17,486 13,976 14,371 19,026 19,351 16,594 12,246 Shelter.................................. 9,968 8,776 8,244 10,911 10,854 9,146 6,446 Owned dwellings........................ 7,190 2,824 4,739 8,346 8,761 6,692 4,703 Mortgage interest and charges........ 4,638 1,860 3,247 5,471 5,520 3,690 2,241 Property taxes....................... 1,604 511 918 1,839 2,049 1,724 1,558 Maintenance, repairs, insurance,other expenses............................ 949 452 574 1,036 1,192 1,277 904 Rented dwellings....................... 2,232 5,671 3,315 1,947 1,362 1,464 1,229 Other lodging.......................... 546 b/ 282 191 618 731 990 514 Utilities, fuels, and public services.... 3,719 2,837 3,200 3,768 4,199 4,298 3,643 Natural gas............................ 519 361 444 531 585 539 624 Electricity............................ 1,388 979 1,188 1,447 1,513 1,595 1,323 Fuel oil and other fuels............... 129 b/ 47 108 132 154 176 b/ 83 Telephone services..................... 1,228 1,107 1,103 1,199 1,413 1,393 1,120 Water and other public services........ 455 343 357 459 533 595 493 Household operations..................... 991 564 898 1,200 874 752 456 Personal services...................... 582 449 655 708 384 338 b/ 172 Other household expenses............... 409 115 243 492 490 414 283 Housekeeping supplies.................... 720 536 527 787 879 590 661 Laundry and cleaning supplies.......... 227 209 200 217 287 248 187 Other household products............... 352 230 247 416 388 245 338 Postage and stationery................. 141 96 80 154 203 97 136 Household furnishings and equipment...... 2,088 1,263 1,502 2,361 2,545 1,807 1,041 Household textiles..................... 172 b/ 328 109 157 250 166 156 Furniture.............................. 526 426 461 591 561 394 192 Floor coverings........................ 52 b/ 14 20 58 89 b/ 40 b/ 20 Major appliances....................... 259 145 182 316 224 371 244 Small appliances, miscellaneous housewares............................ 119 54 112 106 188 82 40 Miscellaneous household equipment...... 961 294 618 1,133 1,234 753 390 Apparel and services........................ 3,015 2,120 2,822 2,979 3,491 2,499 4,126 Men and boys............................. 780 428 699 806 876 767 902 Men, 16 and over....................... 492 277 394 480 613 596 737 Boys, 2 to 15.......................... 288 151 305 326 262 171 165 Women and girls.......................... 1,118 727 880 1,137 1,452 863 1,529 Women, 16 and over..................... 721 396 537 657 1,088 641 1,332 Girls, 2 to 15......................... 396 331 343 480 363 222 197 Children under 2......................... 188 289 253 181 139 128 b/ 87 Footwear................................. 628 448 727 548 662 466 1,413 Other apparel products and services...... 301 228 263 307 363 275 196 Transportation.............................. 10,822 7,053 8,533 11,495 12,206 13,638 8,320 Vehicle purchases (net outlay)........... 5,283 3,119 4,347 5,849 5,390 6,854 b/ 3,243 Cars and trucks, new................... 2,116 b/ 432 1,024 2,731 2,230 2,835 b/ 1,815 Cars and trucks, used.................. 3,110 2,687 3,240 3,067 3,090 4,019 1,427 Other vehicles......................... 57 e/ b/ 84 51 b/ 70 e/ e/ Gasoline and motor oil................... 1,841 1,590 1,495 1,844 2,181 2,227 1,660 Other vehicle expenses................... 3,291 2,090 2,442 3,367 4,139 4,017 2,871 Vehicle finance charges................ 596 410 530 618 665 655 385 Maintenance and repairs................ 894 637 564 992 1,103 1,019 611 Vehicle insurance...................... 1,142 844 890 1,038 1,557 1,664 1,004 Vehicle rental, leases, licenses, other charges.............................. 660 199 458 719 813 679 871 Public transportation.................... 407 253 249 436 496 539 547 Health care................................. 2,244 1,064 1,620 2,310 2,775 2,679 3,220 Health insurance......................... 1,092 528 799 1,173 1,300 1,097 1,482 Medical services......................... 685 240 522 710 862 709 845 Drugs.................................... 353 257 240 308 440 737 772 Medical supplies......................... 114 b/ 38 58 118 174 136 121 Entertainment............................... 2,876 1,693 2,171 3,420 3,017 2,399 1,833 Fees and admissions...................... 796 294 484 931 1,077 518 408 Television, radios, sound equipment...... 875 755 744 902 998 944 635 Pets, toys, and playground equipment..... 489 293 507 516 457 540 356 Other entertainment supplies, equipment,and services.................. 716 352 435 1,071 485 397 434 Personal care products and services......... 681 477 579 696 821 641 670 Reading..................................... 131 52 72 136 192 171 125 Education................................... 1,129 887 410 1,095 2,108 1,024 741 Tobacco products and smoking supplies....... 425 432 422 380 453 629 490 Miscellaneous............................... 895 768 616 916 1,092 1,146 1,049 Cash contributions.......................... 1,461 1,185 773 1,438 2,425 1,277 966 Personal insurance and pensions............. 4,905 2,523 3,414 5,182 6,439 5,668 2,964 Life and other personal insurance........ 485 96 254 497 726 693 489 Pensions and Social Security............. 4,420 2,427 3,160 4,685 5,713 4,975 2,475 Sources of income and personal taxes: a/ Money income before taxes.................. 63,354 39,448 45,034 67,119 79,481 67,615 59,659 Wages and salaries....................... 56,216 31,275 41,343 61,083 69,331 55,887 38,169 Self-employment income................... 3,205 b/ 5,505 1,506 2,896 5,862 2,739 b/ 569 Social Security, private and government retirement................... 1,762 b/ 641 497 897 1,730 6,859 18,295 Interest, dividends, rental income, other property income................... 638 b/ 50 166 832 896 298 1,236 Unemployment and workers'' compensation, veterans'' benefits..................... 269 b/ 71 281 235 287 554 b/ 148 Public assistance, supplemental security, income, food stamps..................... 698 939 583 674 782 865 840 Regular contributions for support........ 391 b/ 778 508 280 461 b/ 274 b/ 319 Other income............................. 175 b/ 189 150 222 131 139 b/ 83 Personal taxes............................. 2,471 171 875 2,795 4,249 2,261 673 Federal income taxes..................... 1,738 -27 525 2,019 3,021 1,613 305 State and local income taxes............. 591 163 304 634 945 537 263 Other taxes.............................. 142 b/ 35 46 141 282 111 105 Income after taxes......................... 60,883 39,277 44,159 64,324 75,233 65,354 58,985 Net change in total assets and liabilities... -4,930 11,184 -3,587 -4,490 -5,017 -25,101 -1,680 Net change in total assets............... 9,006 14,440 8,902 9,209 9,457 6,835 537 Net change in total liabilities.......... 13,936 3,256 12,488 13,698 14,475 31,936 2,217 Other financial information: Other money receipts..................... 414 b/ 357 121 407 456 134 b/ 3,523 Mortgage principal paid on owned property................................ -2,204 -714 -951 -2,361 -3,383 -3,270 -1,104 Estimated market value of owned home..... 128,623 43,600 73,081 145,206 170,981 133,817 119,508 Estimated monthly rental value of owned home.................................... 842 339 535 934 1,060 929 847 Gifts of goods and services................. 1,020 512 665 946 1,471 1,328 1,715 Food..................................... 70 b/ 15 33 52 153 b/ 61 b/ 123 Alcoholic beverages...................... 18 b/ 40 7 22 12 b/ 1 b/ 62 Housing.................................. 304 115 318 266 419 227 304 Housekeeping supplies.................. 39 b/ 13 22 45 63 b/ 16 b/ 4 Household textiles..................... 11 b/ 4 10 6 19 b/ 20 b/ 14 Appliances and miscellaneous housewares........................... 19 b/ 12 b/ 9 17 40 b/ 6 b/ 26 Major appliances..................... 3 e/ d/ b/ 1 12 e/ b/ 25 Small appliances and miscellaneous housewares......................... 16 b/ 12 b/ 9 16 28 b/ 6 d/ Miscellaneous household equipment...... 64 b/ 10 37 78 85 19 64 Other housing.......................... 171 b/ 75 240 119 212 166 b/ 196 Apparel and services..................... 236 253 151 226 280 233 757 Males, 2 and over...................... 61 b/ 37 42 59 65 107 b/ 165 Females, 2 and over.................... 84 b/ 101 32 80 115 37 421 Children under 2....................... 61 64 67 56 72 47 b/ 49 Other apparel products and services.... 30 b/ 50 b/ 11 31 28 b/ 41 b/ 121 Jewelry and watches.................. 7 b/ 12 b/ 5 7 9 b/ 6 b/ 15 All other apparel products and services............................ 23 b/ 38 b/ 7 24 19 b/ 35 b/ 106 Transportation........................... 51 15 44 52 74 26 27 Health care.............................. 19 b/ 2 b/ 11 22 24 b/ 23 b/ 29 Entertainment............................ 73 b/ 9 29 87 98 71 b/ 105 Toys, games, hobbies, and tricycles.... 19 b/ 7 7 25 19 46 b/ 6 Other entertainment.................... 53 b/ 2 21 63 80 26 b/ 99 Personal care products and services...... 19 b/ 8 20 20 24 b/ 14 b/ 2 Reading.................................. d/ d/ d/ d/ b/ 1 b/ 1 e/ Education................................ 154 b/ 34 32 127 303 311 b/ 277 All other gifts.......................... 75 21 19 72 84 361 31 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.05. d Value less than 0.5. e No data reported. n.a. Not applicable.