Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Total Under 65 and Item three 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 17,504 962 3,937 4,634 4,468 1,988 1,515 Income before taxes a/ ...................... $61,469 $28,329 $54,105 $62,592 $71,442 $81,885 $44,285 Income after taxes a/ ....................... 58,887 28,385 52,189 60,111 67,428 78,526 43,061 Age of the reference person.................. 43.9 21.7 29.9 39.7 49.2 58.5 72.4 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 .9 1.1 1.1 .6 .3 .2 Persons 65 and over......................... .2 b/ b/ b/ .1 .2 1.5 Earners..................................... 1.8 1.7 1.6 1.7 2.1 1.9 1.2 Vehicles.................................... 2.3 1.6 2.0 2.2 2.8 2.7 2.3 Percent distribution: Male........................................ 49 35 49 44 50 59 56 Female...................................... 51 65 51 56 50 41 44 Homeowner................................... 70 26 56 67 81 87 88 With mortgage.............................. 51 16 49 55 60 52 35 Without mortgage........................... 19 10 7 12 21 35 53 Renter...................................... 30 74 44 33 19 13 12 Black or African American................... 15 15 17 17 12 15 18 White, Asian, and All Other Races .......... 85 85 83 83 88 85 82 Elementary (1-8)............................ 4 4 2 3 3 6 16 High school (9-12).......................... 39 51 34 39 36 42 45 College..................................... 57 45 64 58 61 52 38 Never attended and other.................... c/ d/ c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 92 84 90 93 95 93 92 Average annual expenditures.................. $47,749 $30,995 $43,316 $48,686 $54,312 $55,110 $37,977 Food........................................ 6,266 5,037 5,653 6,171 7,029 7,243 5,469 Food at home............................. 3,698 2,870 3,424 3,613 4,036 4,228 3,683 Cereals and bakery products............ 516 398 472 510 569 563 531 Cereals and cereal products.......... 177 148 176 177 184 194 162 Bakery products...................... 339 250 295 333 386 370 369 Meats, poultry, fish, and eggs......... 981 739 870 942 1,107 1,144 1,009 Beef................................. 290 227 238 274 347 356 263 Pork................................. 203 174 152 211 229 222 242 Other meats.......................... 122 70 105 115 146 150 124 Poultry.............................. 175 142 180 163 191 189 159 Fish and seafood..................... 150 88 158 140 149 185 176 Eggs................................. 41 38 38 39 45 42 45 Dairy products......................... 390 304 365 384 426 436 380 Fresh milk and cream................. 148 132 144 147 153 162 147 Other dairy products................. 242 172 221 238 273 274 234 Fruits and vegetables.................. 629 435 558 606 686 794 678 Fresh fruits......................... 195 127 168 187 211 272 205 Fresh vegetables..................... 198 134 178 183 221 250 211 Processed fruits..................... 131 101 119 134 138 151 134 Processed vegetables................. 105 73 93 102 115 120 126 Other food at home..................... 1,182 993 1,160 1,170 1,249 1,290 1,085 Sugar and other sweets............... 133 99 100 155 141 149 138 Fats and oils........................ 99 67 86 87 117 120 117 Miscellaneous foods.................. 595 550 662 574 588 602 522 Nonalcoholic beverages............... 316 260 283 312 355 361 284 Food prepared by consumer unit on out-of-town trips................... 40 18 29 43 48 58 23 Food away from home.................... 2,568 2,167 2,229 2,559 2,993 3,015 1,786 Alcoholic beverages......................... 409 720 351 339 510 357 190 Housing..................................... 15,392 9,856 15,349 16,431 16,416 16,113 11,979 Shelter.................................. 8,898 6,010 8,960 9,853 9,439 8,836 6,139 Owned dwellings........................ 6,171 1,513 5,582 6,744 7,179 6,983 4,870 Mortgage interest and charges........ 3,727 922 3,959 4,325 4,223 3,367 2,088 Property taxes....................... 1,427 375 1,013 1,418 1,684 2,144 1,503 Maintenance, repairs, insurance,other expenses............................ 1,017 215 610 1,001 1,272 1,472 1,279 Rented dwellings....................... 2,231 4,408 3,136 2,616 1,562 1,005 903 Other lodging.......................... 496 89 242 494 698 847 366 Utilities, fuels, and public services.... 3,218 2,019 2,773 3,209 3,605 3,793 3,269 Natural gas............................ 409 149 354 383 473 522 457 Electricity............................ 1,171 792 977 1,187 1,303 1,353 1,238 Fuel oil and other fuels............... 109 e/ 43 58 107 115 187 167 Telephone services..................... 1,160 863 1,079 1,177 1,297 1,285 944 Water and other public services........ 369 171 304 354 417 445 464 Household operations..................... 1,002 506 1,457 1,141 685 922 745 Personal services...................... 545 403 1,175 662 173 180 213 Other household expenses............... 457 103 282 479 512 742 532 Housekeeping supplies.................... 594 305 482 576 711 679 759 Laundry and cleaning supplies.......... 159 107 149 153 178 178 166 Other household products............... 290 136 230 289 349 292 434 Postage and stationery................. 145 62 103 133 184 209 158 Household furnishings and equipment...... 1,680 1,015 1,677 1,653 1,976 1,883 1,067 Household textiles..................... 119 88 90 115 175 102 66 Furniture.............................. 441 311 544 397 471 497 231 Floor coverings........................ 49 e/ 11 40 49 61 79 26 Major appliances....................... 224 185 239 242 180 288 197 Small appliances, miscellaneous housewares............................ 112 53 109 77 152 154 88 Miscellaneous household equipment...... 735 368 654 772 936 763 460 Apparel and services........................ 2,080 1,716 2,107 2,217 2,254 2,130 1,172 Men and boys............................. 481 384 459 537 545 460 245 Men, 16 and over....................... 371 321 319 385 452 400 193 Boys, 2 to 15.......................... 110 64 140 153 93 60 52 Women and girls.......................... 816 488 745 870 959 911 502 Women, 16 and over..................... 676 433 592 631 852 852 432 Girls, 2 to 15......................... 140 56 152 240 107 59 70 Children under 2......................... 156 350 334 123 63 56 33 Footwear................................. 337 315 316 391 341 333 224 Other apparel products and services...... 290 180 254 296 346 370 168 Transportation.............................. 9,780 7,063 9,142 9,893 11,075 11,394 6,886 Vehicle purchases (net outlay)........... 4,817 3,709 4,732 5,027 5,297 5,583 2,681 Cars and trucks, new................... 2,231 1,163 1,810 2,634 2,413 3,058 1,149 Cars and trucks, used.................. 2,473 2,479 2,812 2,309 2,713 2,413 1,457 Other vehicles......................... 113 e/ 66 110 e/ 84 170 e/ 112 e/ 75 Gasoline and motor oil................... 1,566 1,213 1,457 1,559 1,777 1,706 1,294 Other vehicle expenses................... 3,004 1,938 2,711 2,858 3,562 3,501 2,590 Vehicle finance charges................ 518 386 608 534 543 471 303 Maintenance and repairs................ 782 493 576 759 1,007 909 743 Vehicle insurance...................... 1,110 782 956 992 1,357 1,341 1,046 Vehicle rental, leases, licenses, other charges.............................. 595 276 571 573 655 780 498 Public transportation.................... 393 204 242 448 440 604 321 Health care................................. 2,514 813 1,653 2,176 2,903 3,765 4,104 Health insurance......................... 1,287 475 939 1,177 1,430 1,664 2,129 Medical services......................... 645 186 406 552 764 1,185 779 Drugs.................................... 472 128 242 342 562 781 1,037 Medical supplies......................... 110 24 66 106 147 136 159 Entertainment............................... 2,285 1,255 1,972 2,500 2,610 2,747 1,540 Fees and admissions...................... 571 209 343 641 688 962 320 Television, radios, sound equipment...... 835 621 780 850 923 918 708 Pets, toys, and playground equipment..... 431 244 441 440 499 456 276 Other entertainment supplies, equipment,and services.................. 448 181 408 569 501 412 235 Personal care products and services......... 607 417 516 591 715 678 604 Reading..................................... 137 45 91 127 170 195 168 Education................................... 937 694 442 771 1,634 1,378 252 Tobacco products and smoking supplies....... 384 500 333 376 420 444 281 Miscellaneous............................... 757 572 497 714 916 932 934 Cash contributions.......................... 1,191 296 735 1,176 1,519 1,498 1,617 Personal insurance and pensions............. 5,011 2,010 4,475 5,203 6,140 6,236 2,780 Life and other personal insurance........ 494 73 270 421 732 698 593 Pensions and Social Security............. 4,517 1,938 4,205 4,782 5,408 5,538 2,187 Sources of income and personal taxes: a/ Money income before taxes.................. 61,469 28,329 54,105 62,592 71,442 81,885 44,285 Wages and salaries....................... 53,556 25,819 51,537 55,927 64,451 68,321 20,285 Self-employment income................... 2,147 597 778 3,051 2,797 2,730 1,339 Social Security, private and government retirement................... 3,509 e/ 294 391 992 2,105 7,408 19,908 Interest, dividends, rental income, other property income................... 934 32 185 895 1,053 2,149 1,661 Unemployment and workers'' compensation, veterans'' benefits..................... 315 177 243 402 351 398 121 Public assistance, supplemental security, income, food stamps..................... 381 662 332 397 237 499 539 Regular contributions for support........ 497 524 505 833 301 182 401 Other income............................. 130 224 134 96 149 198 e/ 31 Personal taxes............................. 2,581 -56 1,917 2,481 4,014 3,359 1,223 Federal income taxes..................... 1,864 -117 1,258 1,805 3,010 2,425 900 State and local income taxes............. 555 54 542 537 816 640 121 Other taxes.............................. 162 7 117 139 188 294 202 Income after taxes......................... 58,887 28,385 52,189 60,111 67,428 78,526 43,061 Net change in total assets and liabilities... -11,995 1,964 -13,526 -14,388 -14,696 -6,407 -8,924 Net change in total assets............... 8,927 9,913 14,745 10,413 6,273 5,289 1,235 Net change in total liabilities.......... 20,922 7,949 28,272 24,802 20,969 11,696 10,160 Other financial information: Other money receipts..................... 560 201 285 568 658 1,064 533 Mortgage principal paid on owned property................................ -1,798 -287 -1,167 -1,869 -2,624 -2,174 -1,254 Estimated market value of owned home..... 123,043 27,315 87,813 118,089 144,112 188,369 142,693 Estimated monthly rental value of owned home.................................... 798 226 617 799 916 1,059 939 Gifts of goods and services................. 1,199 463 562 853 2,142 1,686 969 Food..................................... 96 80 25 67 182 144 56 Alcoholic beverages...................... 15 e/ 20 18 9 20 17 e/ 1 Housing.................................. 276 83 196 207 412 415 241 Housekeeping supplies.................. 50 22 39 49 73 55 32 Household textiles..................... 13 e/ 6 8 e/ 5 24 22 e/ 6 Appliances and miscellaneous housewares........................... 24 e/ 4 17 20 30 46 e/ 23 Major appliances..................... 7 d/ 5 10 4 16 e/ 3 Small appliances and miscellaneous housewares......................... 17 e/ 4 12 10 26 30 e/ 20 Miscellaneous household equipment...... 65 18 66 50 84 91 50 Other housing.......................... 124 33 66 84 200 200 130 Apparel and services..................... 227 162 186 217 267 274 238 Males, 2 and over...................... 56 25 36 57 65 73 86 Females, 2 and over.................... 72 e/ 16 50 61 101 86 106 Children under 2....................... 58 74 75 62 49 47 30 Other apparel products and services.... 41 e/ 47 25 37 52 67 e/ 16 Jewelry and watches.................. 15 e/ 3 7 15 15 36 e/ 10 All other apparel products and services............................ 27 e/ 43 e/ 18 22 37 e/ 31 e/ 5 Transportation........................... 59 7 8 19 152 39 95 Health care.............................. 46 e/ 1 e/ 12 25 86 86 58 Entertainment............................ 68 33 54 52 94 79 79 Toys, games, hobbies, and tricycles.... 28 e/ 7 25 20 38 40 24 Other entertainment.................... 40 26 29 32 56 39 55 Personal care products and services...... 25 e/ 10 16 33 28 30 24 Reading.................................. 1 d/ c/ 1 1 2 2 Education................................ 314 e/ 38 10 180 803 434 86 All other gifts.......................... 73 29 36 43 97 167 90 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.