Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Total Under 25-34 35-44 45-54 55-64 65 years 65-74 75 years Item two 25 years years years years and older years and older persons years Number of consumer units (in thousands)........... 37,186 1,991 4,803 4,504 7,472 8,465 9,951 5,731 4,220 Consumer unit characteristics: Income before taxes a/ .......................... $57,377 $32,584 $60,870 $60,591 $69,695 $66,920 $42,045 $46,369 $36,171 Income after taxes a/ ........................... 54,152 31,771 57,585 57,367 65,285 63,200 39,662 44,860 32,601 Age of reference person.......................... 53.0 22.0 29.3 39.9 49.9 59.2 73.8 69.2 80.0 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......................................... 1.3 1.6 1.7 1.6 1.6 1.3 .5 .7 .3 Vehicles........................................ 2.2 1.6 1.9 1.9 2.5 2.5 2.0 2.2 1.7 Percent distribution: Sex of reference person: Male............................................ 54 44 55 49 46 54 64 64 65 Female.......................................... 46 56 45 51 54 46 36 36 35 Housing tenure: Homeowner....................................... 75 20 46 64 80 89 90 91 89 With mortgage.................................. 40 12 40 53 56 47 21 28 12 Without mortgage............................... 36 8 6 11 24 43 69 63 77 Renter.......................................... 25 80 54 36 20 11 10 9 11 Race of reference person: Black or African-American....................... 9 16 10 13 12 7 6 6 7 White, Asian, and All Other Races............... 91 84 90 87 88 93 94 94 93 Education of reference person: Elementary (1-8)................................ 5 1 2 3 3 4 10 8 12 High school (9-12).............................. 36 36 23 37 35 35 43 43 43 College......................................... 59 63 75 60 62 61 47 48 44 Never attended and other........................ c/ d/ c/ c/ c/ c/ 1 1 1 At least one vehicle owned or leased............. 93 83 92 90 96 96 93 95 91 Average annual expenditures....................... $44,838 $30,964 $45,155 $45,394 $49,804 $51,129 $38,164 $41,833 $33,293 Food............................................. 5,621 4,110 5,479 5,654 6,163 6,285 5,025 5,473 4,459 Food at home.................................... 3,209 2,040 2,662 3,023 3,501 3,630 3,235 3,411 3,015 Cereals and bakery products.................... 430 291 342 406 453 462 470 473 467 Cereals and cereal products................... 137 102 123 141 143 146 139 140 137 Bakery products............................... 293 189 219 265 310 316 331 333 330 Meats, poultry, fish, and eggs................. 844 508 665 797 932 994 833 879 777 Beef.......................................... 252 157 193 231 281 310 241 262 215 Pork.......................................... 177 103 124 144 195 224 182 184 179 Other meats................................... 104 72 82 95 120 106 110 125 92 Poultry....................................... 141 84 130 151 156 160 125 128 123 Fish and seafood.............................. 132 64 107 142 140 151 132 134 129 Eggs.......................................... 39 28 30 34 39 44 43 46 39 Dairy products................................. 341 231 287 309 361 375 363 382 340 Fresh milk and cream.......................... 122 92 99 110 125 131 134 134 134 Other dairy products.......................... 219 139 188 198 236 243 229 247 206 Fruits and vegetables.......................... 564 296 470 507 583 648 609 637 576 Fresh fruits.................................. 188 90 153 161 199 217 204 214 191 Fresh vegetables.............................. 189 90 160 181 194 212 206 225 183 Processed fruits.............................. 105 73 86 88 103 123 115 112 119 Processed vegetables.......................... 83 43 71 77 86 96 85 86 83 Other food at home............................. 1,029 714 897 1,003 1,173 1,152 959 1,041 856 Sugar and other sweets........................ 128 65 92 119 152 144 130 137 120 Fats and oils................................. 89 50 69 78 99 103 93 98 87 Miscellaneous foods........................... 487 387 461 476 537 522 457 491 414 Nonalcoholic beverages........................ 276 197 244 283 336 308 231 251 207 Food prepared by consumer unit on out-of-town trips............................ 50 14 31 47 49 75 48 63 28 Food away from home............................. 2,412 2,070 2,817 2,632 2,662 2,655 1,791 2,062 1,445 Alcoholic beverages.............................. 519 546 626 778 553 504 329 397 244 Housing.......................................... 13,788 9,760 14,832 15,279 15,096 15,010 11,410 12,185 10,375 Shelter......................................... 7,799 6,159 9,499 9,315 8,688 8,026 5,759 6,157 5,217 Owned dwellings................................ 5,287 1,221 4,680 6,023 6,473 6,337 4,277 4,736 3,654 Mortgage interest and charges................. 2,596 721 3,231 3,871 3,631 2,910 1,043 1,420 532 Property taxes................................ 1,520 321 950 1,319 1,556 1,966 1,718 1,777 1,639 Maintenance, repairs, insurance, other expenses..................................... 1,172 179 499 833 1,286 1,462 1,516 1,540 1,483 Rented dwellings............................... 1,900 4,779 4,474 2,860 1,447 830 897 760 1,084 Other lodging.................................. 611 159 345 433 767 859 584 661 479 Utilities, fuels, and public services........... 2,955 1,926 2,547 2,858 3,226 3,282 2,920 3,090 2,690 Natural gas.................................... 412 171 307 389 422 465 470 483 452 Electricity.................................... 1,092 684 854 1,038 1,183 1,234 1,123 1,194 1,026 Fuel oil and other fuels....................... 129 46 57 95 128 169 164 169 158 Telephone services............................. 981 892 1,097 1,022 1,129 1,025 775 844 681 Water and other public services................ 341 133 232 314 364 388 388 399 373 Household operations............................ 580 267 502 528 570 667 639 579 719 Personal services.............................. 79 119 146 131 38 32 88 e/ 27 170 Other household expenses....................... 501 148 357 398 532 635 551 552 549 Housekeeping supplies........................... 622 315 508 653 630 736 628 708 530 Laundry and cleaning supplies.................. 140 81 132 143 152 165 127 141 109 Other household products....................... 312 145 195 374 319 368 326 375 265 Postage and stationery......................... 169 89 180 136 159 204 176 192 155 Household furnishings and equipment............. 1,832 1,092 1,775 1,925 1,982 2,300 1,465 1,651 1,218 Household textiles............................. 174 68 148 176 174 215 175 147 208 Furniture...................................... 472 436 535 571 491 567 309 366 232 Floor coverings................................ 66 11 40 60 60 105 63 79 41 Major appliances............................... 232 130 245 170 236 286 226 248 194 Small appliances, miscellaneous housewares.................................... 118 84 105 124 112 158 99 109 86 Miscellaneous household equipment.............. 771 365 702 824 910 969 594 703 458 Apparel and services............................. 1,653 1,641 1,926 1,903 1,817 1,873 1,096 1,342 782 Men and boys.................................... 349 318 326 450 411 382 246 314 159 Men, 16 and over............................... 316 298 295 401 377 345 219 276 146 Boys, 2 to 15.................................. 34 20 31 49 35 37 27 37 13 Women and girls................................. 685 621 770 743 783 785 472 569 350 Women, 16 and over............................. 638 603 716 656 723 745 444 525 342 Girls, 2 to 15................................. 47 18 55 87 60 40 29 44 8 Children under 2................................ 42 86 42 34 47 55 22 27 15 Footwear........................................ 265 289 297 331 290 279 184 221 138 Other apparel products and services............. 311 327 491 345 286 372 172 212 120 Transportation................................... 8,414 6,872 9,295 8,246 9,456 9,483 6,683 7,838 5,119 Vehicle purchases (net outlay).................. 3,883 3,227 4,398 3,761 4,263 4,445 3,057 3,706 2,176 Cars and trucks, new........................... 2,308 901 2,145 2,143 2,563 2,954 2,002 2,373 1,499 Cars and trucks, used.......................... 1,482 2,288 2,208 1,475 1,452 1,432 1,039 1,306 676 Other vehicles................................. 93 e/ 37 e/ 45 143 249 e/ 59 e/ 16 e/ 28 d/ Gasoline and motor oil.......................... 1,512 1,396 1,598 1,529 1,780 1,674 1,148 1,346 879 Other vehicle expenses.......................... 2,501 2,027 2,774 2,507 2,924 2,706 1,970 2,218 1,640 Vehicle finance charges........................ 357 320 514 433 464 384 152 211 72 Maintenance and repairs........................ 692 496 625 648 793 781 632 729 507 Vehicle insurance.............................. 974 800 1,064 967 1,158 967 836 859 804 Vehicle rental, leases, licenses, other charges....................................... 478 411 571 459 509 575 350 419 257 Public transportation........................... 518 222 525 450 488 657 507 568 424 Health care...................................... 3,153 881 1,535 1,917 2,716 3,689 4,823 4,613 5,109 Health insurance................................ 1,623 491 784 916 1,254 1,837 2,669 2,551 2,829 Medical services................................ 734 214 440 563 815 962 803 834 761 Drugs........................................... 652 136 234 352 510 722 1,143 1,044 1,276 Medical supplies................................ 144 41 77 86 138 167 209 183 242 Entertainment.................................... 2,520 1,427 2,485 2,210 2,566 3,385 2,127 2,724 1,330 Fees and admissions............................. 543 305 502 496 530 703 507 585 402 Television, radios, sound equipment............. 768 664 827 860 852 823 609 660 538 Pets, toys, hobbies, and playground equipment... 445 316 500 436 542 454 366 491 207 Other entertainment supplies, equipment, and services................................... 764 142 656 418 642 1,405 644 988 182 Personal care products and services.............. 597 424 561 663 620 645 564 596 523 Reading.......................................... 160 69 129 115 159 197 182 178 188 Education........................................ 696 1,255 1,060 465 1,033 675 278 294 258 Tobacco products and smoking supplies............ 309 314 275 409 444 322 168 204 119 Miscellaneous.................................... 716 504 622 712 822 773 676 642 721 Cash contributions............................... 1,850 622 820 1,111 1,670 2,002 2,931 2,853 3,037 Personal insurance and pensions.................. 4,842 2,539 5,508 5,932 6,688 6,287 1,872 2,493 1,029 Life and other personal insurance............... 491 48 209 338 563 705 548 650 409 Pensions and Social Security.................... 4,351 2,491 5,299 5,593 6,124 5,581 1,324 1,843 620 Sources of income and personal taxes: a/ Money income before taxes........................ 57,377 32,584 60,870 60,591 69,695 66,920 42,045 46,369 36,171 Wages and salaries.............................. 41,974 29,608 57,008 55,661 59,933 49,844 10,986 15,870 4,352 Self-employment income.......................... 2,894 953 1,804 2,286 3,840 3,577 2,809 3,736 1,549 Social Security, private and government retirement..................................... 9,811 e/ 269 260 762 3,372 10,319 24,851 23,860 26,197 Interest, dividends, rental income, other property income................................ 1,771 272 824 609 1,334 2,362 2,890 2,413 3,539 Unemployment and workers' compensation, veterans' benefits............................. 255 116 265 283 431 288 106 108 e/ 103 Public assistance, supplemental security income, food stamps............................ 226 258 146 317 227 257 189 181 199 Regular contributions for support............... 293 794 374 546 369 125 122 e/ 66 198 Other income.................................... 153 314 189 125 189 149 93 136 e/ 34 Personal taxes................................... 3,225 813 3,286 3,223 4,411 3,720 2,383 1,510 3,570 Federal income taxes............................ 2,431 567 2,423 2,293 3,355 2,720 1,941 1,064 3,131 State and local income taxes.................... 552 222 758 734 772 698 150 168 125 Other taxes..................................... 242 25 105 197 283 302 293 278 313 Income after taxes............................... 54,152 31,771 57,585 57,367 65,285 63,200 39,662 44,860 32,601 Addenda: Net change in total assets and liabilities....... -8,958 2,517 -19,326 -15,261 -11,292 -5,016 -4,997 -6,781 -2,575 Net change in total assets...................... 7,383 11,325 18,794 11,338 6,039 8,715 -827 -492 -1,282 Net change in total liabilities................. 16,341 8,807 38,120 26,599 17,331 13,731 4,171 6,289 1,294 Other financial information: Other money receipts............................ 716 108 139 681 729 1,515 443 503 361 Mortgage principal paid on owned property....... -1,803 -215 -1,119 -2,035 -2,331 -2,798 -1,102 -1,439 -644 Estimated market value of owned home............ 146,699 21,993 82,858 117,918 146,599 192,726 176,408 186,137 163,195 Estimated monthly rental value of owned home.... 844 158 528 744 895 1,061 957 968 943 Gifts of goods and services...................... 1,440 471 742 1,147 2,132 2,072 1,054 1,270 774 Food............................................ 114 e/ 6 30 49 209 210 55 76 28 Alcoholic beverages............................. 21 14 17 37 25 24 12 18 4 Housing......................................... 326 142 144 403 458 422 236 263 204 Housekeeping supplies.......................... 59 36 40 110 61 65 44 54 32 Household textiles............................. 22 e/ 15 10 20 28 35 14 17 10 Appliances and miscellaneous housewares.................................... 41 e/ 13 21 34 40 67 39 48 29 Major appliances.............................. 13 e/ 1 e/ 3 e/ 4 11 30 13 13 e/ 12 Small appliances and miscellaneous housewares................................... 28 e/ 12 18 30 29 37 27 35 16 Miscellaneous household equipment.............. 92 44 38 159 114 109 66 79 49 Other housing.................................. 112 34 35 80 214 145 73 65 85 Apparel and services............................ 302 164 241 371 326 422 214 286 121 Males, 2 and over.............................. 85 58 67 119 75 109 71 95 41 Females, 2 and over............................ 112 36 67 145 133 166 76 110 33 Children under 2............................... 37 25 32 33 46 55 22 27 15 Other apparel products and services............ 68 45 75 74 72 92 44 54 33 Jewelry and watches........................... 23 11 44 28 24 26 12 15 7 All other apparel products and services....... 45 e/ 34 31 46 48 66 33 38 26 Transportation.................................. 58 16 120 44 65 61 35 43 23 Health care..................................... 39 e/ 4 47 27 58 34 36 39 33 Entertainment................................... 98 48 75 71 110 155 75 103 37 Toys, games, arts and crafts, and tricycles.... 38 15 24 29 45 58 31 45 13 Other entertainment............................ 60 33 51 42 65 97 43 57 24 Personal care products and services............. 21 24 14 31 25 21 17 19 15 Reading......................................... 2 c/ 1 1 2 3 3 4 3 Education....................................... 339 e/ 20 11 57 751 514 230 234 226 All other gifts................................. 120 31 42 57 104 208 140 185 79 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. 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.