Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995-96 _________________________________________________________________________________________________________________________________ | | | | | | | | | | 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).........| 32,164 | 1,518 | 4,725 | 4,264 | 5,929 | 5,955 | 9,772 | 5,833 | 3,940 | | | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | | | | | Income before taxes 1/........................|$40,337 |$23,390 |$45,552 |$48,163 |$54,142 |$43,723 |$27,136 |$29,356 |$23,982 Income after taxes 1/.........................| 36,916 | 21,723 | 41,005 | 44,055 | 48,806 | 39,990 | 25,569 | 27,372 | 23,009 Age of reference person.......................| 53.1 | 21.8 | 29.4 | 39.6 | 49.6 | 59.5 | 73.7 | 69.4 | 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 | .3 | .2 | .2 | .1 | (2) | (2) | (2) | (2) Persons 65 and over.........................| .5 | (2) | (2) | (2) | (2) | .1 | 1.7 | 1.6 | 1.8 Earners.....................................| 1.2 | 1.5 | 1.7 | 1.6 | 1.6 | 1.3 | .5 | .6 | .3 Vehicles....................................| 2.1 | 1.6 | 1.9 | 2.1 | 2.4 | 2.4 | 1.8 | 2.1 | 1.5 | | | | | | | | | Percent distribution: | | | | | | | | | | | | | | | | | | Sex of reference person: | | | | | | | | | Male......................................| 69 | 48 | 64 | 59 | 65 | 75 | 79 | 79 | 78 Female....................................| 31 | 52 | 36 | 41 | 35 | 25 | 21 | 21 | 22 | | | | | | | | | Housing tenure: | | | | | | | | | Homeowner.................................| 74 | 19 | 46 | 60 | 81 | 89 | 90 | 91 | 89 With mortgage...........................| 35 | 11 | 40 | 47 | 58 | 39 | 16 | 20 | 9 Without mortgage........................| 39 | 8 | 6 | 14 | 23 | 49 | 74 | 70 | 80 Renter....................................| 26 | 81 | 54 | 40 | 19 | 11 | 10 | 9 | 11 | | | | | | | | | Race of reference person: | | | | | | | | | Black.....................................| 9 | 14 | 11 | 14 | 9 | 7 | 5 | 5 | 6 White and other...........................| 91 | 86 | 89 | 86 | 91 | 93 | 95 | 95 | 94 | | | | | | | | | Education of reference person: | | | | | | | | | Elementary (1-8)..........................| 9 | 2 | 2 | 2 | 4 | 9 | 18 | 14 | 24 High school (9-12)........................| 43 | 51 | 33 | 44 | 44 | 43 | 46 | 47 | 44 College...................................| 48 | 46 | 65 | 54 | 52 | 48 | 35 | 38 | 31 Never attended and other..................| (3) | 1 | (4) | (4) | (2) | (3) | 1 | 1 | 1 | | | | | | | | | At least one vehicle owned..................| 91 | 81 | 89 | 90 | 93 | 94 | 91 | 93 | 89 | | | | | | | | | Average annual expenditures.....................|$34,375 |$23,009 |$36,217 |$36,682 |$42,128 |$36,834 |$28,041 |$30,369 |$24,564 | | | | | | | | | Food..........................................| 4,454 | 3,296 | 4,355 | 4,541 | 5,015 | 4,922 | 4,027 | 4,376 | 3,487 Food at home................................| 2,634 | 1,830 | 2,295 | 2,400 | 2,890 | 2,908 | 2,729 | 2,881 | 2,492 Cereals and bakery products...............| 406 | 292 | 358 | 374 | 416 | 435 | 439 | 462 | 404 Cereals and cereal products.............| 142 | 120 | 148 | 131 | 148 | 136 | 149 | 157 | 137 Bakery products.........................| 263 | 173 | 211 | 243 | 268 | 299 | 291 | 306 | 267 Meats, poultry, fish, and eggs............| 675 | 436 | 572 | 585 | 787 | 770 | 683 | 728 | 614 Beef....................................| 195 | 150 | 168 | 183 | 229 | 217 | 187 | 194 | 175 Pork....................................| 140 | 72 | 118 | 101 | 159 | 160 | 156 | 165 | 141 Other meats.............................| 89 | 55 | 71 | 86 | 102 | 114 | 84 | 85 | 81 Poultry.................................| 129 | 83 | 116 | 113 | 155 | 139 | 127 | 141 | 107 Fish and seafood........................| 93 | 54 | 77 | 77 | 115 | 105 | 96 | 108 | 77 Eggs....................................| 30 | 23 | 22 | 26 | 27 | 35 | 34 | 35 | 32 | | | | | | | | | Dairy products............................| 276 | 210 | 254 | 269 | 290 | 289 | 287 | 304 | 261 Fresh milk and cream....................| 107 | 87 | 96 | 103 | 106 | 112 | 116 | 121 | 107 Other dairy products....................| 169 | 123 | 158 | 165 | 184 | 176 | 172 | 183 | 153 Fruits and vegetables.....................| 469 | 298 | 400 | 378 | 507 | 514 | 524 | 544 | 493 Fresh fruits............................| 149 | 83 | 118 | 110 | 153 | 170 | 179 | 188 | 166 Fresh vegetables........................| 145 | 84 | 125 | 118 | 164 | 164 | 154 | 159 | 147 Processed fruits........................| 98 | 68 | 88 | 84 | 100 | 99 | 111 | 113 | 108 Processed vegetables....................| 77 | 63 | 69 | 66 | 90 | 81 | 79 | 84 | 72 | | | | | | | | | Other food at home........................| 808 | 593 | 709 | 794 | 890 | 900 | 795 | 843 | 721 Sugar and other sweets..................| 111 | 62 | 81 | 94 | 117 | 126 | 130 | 128 | 132 Fats and oils...........................| 79 | 44 | 59 | 75 | 87 | 87 | 87 | 94 | 76 Miscellaneous foods.....................| 337 | 295 | 323 | 346 | 361 | 364 | 317 | 334 | 291 Nonalcoholic beverages..................| 224 | 176 | 209 | 228 | 261 | 241 | 206 | 219 | 187 Food prepared by consumer unit | | | | | | | | | on out-of-town trips...................| 57 | 17 | 38 | 51 | 65 | 82 | 55 | 69 | 35 Food away from home.........................| 1,820 | 1,466 | 2,060 | 2,141 | 2,125 | 2,014 | 1,298 | 1,494 | 995 | | | | | | | | | Alcoholic beverages...........................| 348 | 266 | 458 | 432 | 370 | 400 | 219 | 223 | 212 | | | | | | | | | Housing.......................................| 10,765 | 7,228 | 11,525 | 11,486 | 13,344 | 10,990 | 8,949 | 9,243 | 8,531 Shelter.....................................| 5,871 | 4,434 | 6,961 | 6,963 | 7,662 | 5,692 | 4,114 | 4,530 | 3,499 Owned dwellings...........................| 3,874 | 736 | 3,365 | 4,300 | 5,738 | 4,303 | 3,030 | 3,412 | 2,466 Mortgage interest and charges...........| 1,849 | 478 | 2,395 | 2,845 | 3,200 | 1,833 | 555 | 775 | 229 Property taxes..........................| 1,124 | 117 | 619 | 868 | 1,569 | 1,303 | 1,257 | 1,319 | 1,165 Maintenance, repairs, insurance, | | | | | | | | | other expenses.........................| 901 | 142 | 350 | 587 | 968 | 1,167 | 1,219 | 1,318 | 1,072 Rented dwellings..........................| 1,476 | 3,562 | 3,342 | 2,260 | 1,239 | 659 | 549 | 482 | 648 Other lodging.............................| 521 | 135 | 254 | 404 | 685 | 730 | 535 | 636 | 385 Utilities, fuels, and public services.......| 2,348 | 1,489 | 2,028 | 2,306 | 2,628 | 2,619 | 2,321 | 2,440 | 2,145 Natural gas...............................| 293 | 114 | 222 | 258 | 320 | 326 | 335 | 335 | 334 Electricity...............................| 925 | 564 | 739 | 902 | 1,004 | 1,077 | 941 | 993 | 865 Fuel oil and other fuels..................| 109 | 5/25 | 57 | 77 | 107 | 125 | 152 | 160 | 140 Telephone services........................| 746 | 706 | 825 | 841 | 882 | 757 | 582 | 630 | 512 Water and other public services...........| 276 | 81 | 186 | 227 | 315 | 334 | 311 | 322 | 294 Household operations........................| 428 | 171 | 358 | 347 | 405 | 370 | 586 | 431 | 814 Personal services.........................| 103 | 122 | 174 | 112 | 43 | 5/5 | 157 | 5/29 | 347 Other household expenses..................| 325 | 49 | 184 | 235 | 362 | 365 | 428 | 402 | 466 | | | | | | | | | Housekeeping supplies.......................| 491 | 196 | 380 | 436 | 542 | 626 | 510 | 544 | 458 Laundry and cleaning supplies.............| 109 | 53 | 96 | 105 | 112 | 129 | 113 | 125 | 95 Other household products..................| 231 | 79 | 158 | 201 | 257 | 326 | 234 | 252 | 205 Postage and stationery....................| 151 | 64 | 126 | 130 | 173 | 171 | 163 | 167 | 158 Household furnishings and equipment.........| 1,626 | 938 | 1,797 | 1,434 | 2,107 | 1,682 | 1,417 | 1,298 | 1,615 Household textiles........................| 81 | 49 | 83 | 68 | 110 | 97 | 63 | 70 | 52 Furniture.................................| 345 | 322 | 513 | 355 | 429 | 368 | 198 | 249 | 122 Floor coverings...........................| 218 | 5/60 | 42 | 76 | 212 | 164 | 441 | 148 | 901 Major appliances..........................| 182 | 101 | 152 | 164 | 226 | 214 | 170 | 192 | 138 Small appliances, miscellaneous housewares| 112 | 52 | 126 | 68 | 129 | 135 | 109 | 134 | 70 Miscellaneous household equipment.........| 688 | 355 | 881 | 703 | 1,002 | 705 | 436 | 505 | 332 | | | | | | | | | Apparel and services..........................| 1,565 | 1,038 | 2,135 | 1,461 | 2,097 | 1,531 | 1,096 | 1,307 | 767 Men and boys................................| 380 | 202 | 504 | 361 | 477 | 361 | 304 | 360 | 217 Men, 16 and over..........................| 350 | 174 | 466 | 330 | 453 | 320 | 282 | 331 | 207 Boys, 2 to 15.............................| 30 | 28 | 39 | 31 | 24 | 40 | 22 | 29 | 10 Women and girls.............................| 684 | 406 | 905 | 659 | 859 | 764 | 466 | 546 | 341 Women, 16 and over........................| 632 | 392 | 844 | 534 | 822 | 708 | 440 | 513 | 327 Girls, 2 to 15............................| 51 | 14 | 62 | 125 | 36 | 56 | 25 | 33 | 13 Children under 2............................| 36 | 75 | 47 | 33 | 34 | 48 | 20 | 26 | 12 Footwear....................................| 221 | 249 | 297 | 243 | 264 | 183 | 165 | 196 | 117 Other apparel products and services.........| 245 | 106 | 382 | 165 | 464 | 175 | 141 | 180 | 81 | | | | | | | | | Transportation................................| 6,557 | 6,036 | 7,656 | 7,719 | 7,697 | 6,842 | 4,733 | 5,720 | 3,273 Vehicle purchases (net outlay)..............| 2,843 | 3,150 | 3,614 | 3,611 | 3,259 | 2,802 | 1,859 | 2,399 | 1,059 Cars and trucks, new......................| 1,403 | 916 | 1,747 | 1,864 | 1,420 | 1,395 | 1,107 | 1,339 | 764 Cars and trucks, used.....................| 1,391 | 2,164 | 1,834 | 1,549 | 1,808 | 1,365 | 751 | 1,059 | 295 Other vehicles............................| 48 | 5/71 | 5/33 | 5/197 | 5/30 | 5/42 | 5/1 | 5/1 | (4) Gasoline and motor oil......................| 1,054 | 873 | 1,123 | 1,160 | 1,266 | 1,190 | 790 | 921 | 595 Other vehicle expenses......................| 2,163 | 1,789 | 2,470 | 2,446 | 2,688 | 2,245 | 1,578 | 1,785 | 1,272 Vehicle finance charges...................| 274 | 312 | 412 | 336 | 416 | 269 | 92 | 124 | 44 Maintenance and repairs...................| 683 | 544 | 703 | 777 | 835 | 745 | 523 | 587 | 429 Vehicle insurance.........................| 757 | 582 | 818 | 838 | 847 | 781 | 650 | 713 | 558 Vehicle rental, leases, licenses, | | | | | | | | | other charges............................| 448 | 350 | 537 | 495 | 590 | 449 | 313 | 362 | 241 Public transportation.......................| 498 | 223 | 448 | 502 | 485 | 605 | 506 | 615 | 346 | | | | | | | | | Health care...................................| 2,140 | 603 | 1,106 | 1,251 | 1,805 | 2,296 | 3,378 | 3,229 | 3,595 Health insurance............................| 1,088 | 275 | 549 | 629 | 829 | 1,019 | 1,873 | 1,787 | 1,999 Medical services............................| 542 | 198 | 323 | 349 | 571 | 773 | 626 | 596 | 672 Drugs.......................................| 406 | 87 | 165 | 203 | 281 | 412 | 735 | 703 | 783 Medical supplies............................| 105 | 43 | 68 | 70 | 123 | 93 | 143 | 143 | 142 | | | | | | | | | Entertainment.................................| 1,908 | 1,179 | 2,052 | 2,368 | 2,201 | 2,275 | 1,342 | 1,631 | 909 Fees and admissions.........................| 486 | 253 | 535 | 465 | 523 | 531 | 457 | 514 | 372 Television, radios, sound equipment.........| 530 | 520 | 610 | 591 | 614 | 523 | 421 | 464 | 358 Pets, toys, and playground equipment........| 356 | 148 | 502 | 407 | 439 | 417 | 201 | 254 | 119 Other entertainment supplies, equipment, | | | | | | | | | and services...............................| 536 | 259 | 405 | 906 | 625 | 804 | 263 | 400 | 60 | | | | | | | | | Personal care products and services...........| 521 | 303 | 528 | 543 | 611 | 528 | 484 | 496 | 467 | | | | | | | | | Reading.......................................| 191 | 87 | 173 | 171 | 219 | 216 | 193 | 207 | 173 | | | | | | | | | Education.....................................| 382 | 651 | 539 | 397 | 652 | 294 | 148 | 200 | 68 | | | | | | | | | Tobacco products and smoking supplies.........| 264 | 280 | 262 | 360 | 356 | 270 | 161 | 195 | 111 | | | | | | | | | Miscellaneous.................................| 915 | 361 | 932 | 964 | 1,118 | 964 | 821 | 826 | 817 | | | | | | | | | Cash contributions............................| 1,204 | 154 | 508 | 845 | 1,550 | 1,592 | 1,415 | 1,357 | 1,500 | | | | | | | | | Personal insurance and pensions...............| 3,161 | 1,527 | 3,989 | 4,143 | 5,094 | 3,714 | 1,075 | 1,359 | 655 Life and other personal insurance...........| 411 | 78 | 249 | 377 | 544 | 639 | 337 | 374 | 283 Pensions and Social Security................| 2,749 | 1,449 | 3,740 | 3,766 | 4,549 | 3,076 | 738 | 985 | 372 | | | | | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | | | | | | | | | Money income before taxes.....................| 40,337 | 23,390 | 45,552 | 48,163 | 54,142 | 43,723 | 27,136 | 29,356 | 23,982 Wages and salaries..........................| 28,154 | 20,995 | 42,576 | 41,417 | 45,455 | 30,433 | 5,424 | 7,434 | 2,569 Self-employment income......................| 2,524 | 614 | 1,641 | 4,268 | 4,397 | 3,111 | 1,088 | 914 | 1,335 Social Security, private and government | | | | | | | | | retirement.................................| 7,519 | 5/172 | 209 | 872 | 2,152 | 7,698 | 17,884 | 18,272 | 17,332 Interest, dividends, rental income, other | | | | | | | | | property income............................| 1,311 | 50 | 202 | 478 | 1,228 | 1,698 | 2,213 | 2,187 | 2,250 Unemployment and workers' compensation, | | | | | | | | | veterans' benefits.........................| 231 | 71 | 267 | 352 | 313 | 220 | 144 | 161 | 120 Public assistance, supplemental security | | | | | | | | | income, food stamps........................| 301 | 870 | 257 | 329 | 265 | 236 | 286 | 264 | 316 Regular contributions for support...........| 153 | 457 | 222 | 287 | 214 | 5/68 | 33 | 5/26 | 5/42 Other income................................| 142 | 161 | 178 | 160 | 118 | 259 | 65 | 97 | 5/18 | | | | | | | | | Personal taxes................................| 3,421 | 1,667 | 4,547 | 4,108 | 5,336 | 3,733 | 1,567 | 1,985 | 973 Federal income taxes........................| 2,519 | 1,246 | 3,499 | 3,162 | 4,031 | 2,762 | 955 | 1,170 | 651 State and local income taxes................| 707 | 409 | 989 | 815 | 1,073 | 662 | 383 | 567 | 121 Other taxes.................................| 195 | 5/12 | 59 | 131 | 232 | 309 | 229 | 248 | 201 | | | | | | | | | Income after taxes............................| 36,916 | 21,723 | 41,005 | 44,055 | 48,806 | 39,990 | 25,569 | 27,372 | 23,009 | | | | | | | | | Addenda: | | | | | | | | | | | | | | | | | | Net change in total assets and liabilities....| -1,256 | -1,957 | -6,044 | -1,905 | -1,696 | 810 | 460 | 2,139 | -2,026 Net change in total assets..................| 4,088 | 1,660 | 8,275 | 6,283 | 4,849 | 4,056 | 1,041 | 2,957 | -1,795 Net change in total liabilities.............| 5,344 | 3,618 | 14,319 | 8,187 | 6,545 | 3,246 | 582 | 818 | 232 | | | | | | | | | Other financial information: | | | | | | | | | | | | | | | | | | Other money receipts........................| 463 | 58 | 240 | 239 | 782 | 493 | 519 | 726 | 213 Mortgage principal paid on owned property...| -921 | -142 | -663 | -1,026 | -1,752 | -1,172 | -464 | -640 | -204 Estimated market value of owned home........| 84,968 | 9,163 | 45,142 | 66,580 |102,562 |105,279 |100,974 |105,479 | 94,305 Estimated monthly rental value of owned home| 583 | 86 | 357 | 487 | 695 | 717 | 662 | 689 | 623 | | | | | | | | | Gifts of goods and services...................| 1,236 | 378 | 747 | 1,127 | 2,044 | 1,612 | 941 | 1,082 | 725 Food........................................| 72 | 22 | 38 | 79 | 148 | 65 | 52 | 49 | 57 Housing.....................................| 302 | 131 | 201 | 228 | 530 | 371 | 228 | 239 | 212 Housekeeping supplies.....................| 50 | 35 | 50 | 45 | 58 | 60 | 44 | 44 | 45 Household textiles........................| 10 | 5/3 | 6 | 7 | 14 | 17 | 8 | 10 | 4 Appliances and miscellaneous housewares...| 38 | 5/7 | 39 | 15 | 46 | 59 | 35 | 37 | 32 Major appliances........................| 10 | (4) | 3 | 6 | 17 | 14 | 10 | 7 | 14 Small appliances and miscellaneous | | | | | | | | | housewares.............................| 28 | 5/7 | 36 | 10 | 29 | 45 | 25 | 29 | 18 Miscellaneous household equipment.........| 81 | 44 | 50 | 56 | 138 | 115 | 58 | 63 | 50 Other housing.............................| 123 | 41 | 55 | 105 | 275 | 121 | 84 | 85 | 82 Apparel and services........................| 304 | 123 | 248 | 337 | 364 | 420 | 241 | 311 | 132 Males, 2 and over.........................| 96 | 57 | 72 | 90 | 142 | 101 | 86 | 120 | 32 Females, 2 and over.......................| 120 | 5/25 | 73 | 153 | 120 | 212 | 89 | 103 | 68 Children under 2..........................| 31 | 22 | 30 | 32 | 34 | 48 | 20 | 26 | 12 Other apparel products and services.......| 57 | 5/18 | 73 | 61 | 68 | 60 | 46 | 62 | 5/20 Jewelry and watches.....................| 23 | 5/4 | 5/38 | 5/19 | 5/25 | 25 | 5/19 | 5/23 | 5/12 All other apparel products and services.| 34 | 5/14 | 35 | 43 | 43 | 34 | 27 | 39 | 5/8 Transportation..............................| 63 | 18 | 18 | 60 | 101 | 84 | 58 | 65 | 48 Health care.................................| 35 | 5/1 | 5/3 | 17 | 66 | 35 | 45 | 28 | 5/72 Entertainment...............................| 132 | 35 | 98 | 121 | 162 | 192 | 116 | 163 | 42 Toys, games, hobbies, and tricycles.......| 50 | 5/7 | 5/17 | 49 | 47 | 115 | 35 | 52 | 5/9 Other entertainment.......................| 83 | 28 | 81 | 73 | 115 | 77 | 81 | 112 | 33 Education...................................| 163 | 5/1 | 58 | 129 | 472 | 200 | 46 | 57 | 5/28 All other gifts.............................| 165 | 46 | 84 | 157 | 200 | 245 | 155 | 170 | 134 | | | | | | | | | _________________________________________________________________________________________________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 2/ Value less than 0.05. 3/ Value less than 0.5. 4/ No data reported. 5/ Data are likely to have large sampling errors.