Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _____________________________________________________________________________________________________________________________ | | | | | | | | Total | Under | | | | | 65 and Item | four | 25 | 25-34 | 35-44 | 45-54 | 55-64 | over | persons | | | | | | | | | | | | | _____________________________________________________________________________________________________________________________ | | | | | | | Number of consumer units (in thousands).........| 15,337 | 522 | 3,782 | 6,256 | 3,323 | 969 | 485 | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | Income before taxes 1/........................| $52,764 | $23,029 | $41,107 | $55,469 | $66,996 | $52,381 | $47,538 Income after taxes 1/.........................| 48,711 | 21,751 | 38,312 | 51,067 | 61,421 | 48,300 | 45,223 Age of reference person.......................| 40.8 | 22.1 | 30.4 | 39.5 | 48.5 | 58.6 | 71.0 | | | | | | | Average number in consumer unit: | | | | | | | Persons.....................................| 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 Children under 18...........................| 1.7 | 1.9 | 2.0 | 1.8 | 1.3 | .7 | .7 Persons 65 and over.........................| .1 | (2) | (2) | (2) | (2) | .1 | 1.3 Earners.....................................| 2.0 | 1.6 | 1.6 | 2.0 | 2.4 | 2.4 | 1.9 Vehicles....................................| 2.5 | 1.3 | 2.0 | 2.5 | 3.0 | 2.9 | 2.5 | | | | | | | Percent distribution: | | | | | | | | | | | | | | Sex of reference person: | | | | | | | Male......................................| 69 | 44 | 63 | 70 | 79 | 66 | 60 Female....................................| 31 | 56 | 37 | 30 | 21 | 34 | 40 | | | | | | | Housing tenure: | | | | | | | Homeowner.................................| 73 | 19 | 62 | 76 | 84 | 83 | 85 With mortgage...........................| 58 | 13 | 54 | 64 | 66 | 46 | 39 Without mortgage........................| 14 | 7 | 8 | 12 | 17 | 37 | 46 Renter....................................| 27 | 81 | 38 | 24 | 16 | 17 | 15 | | | | | | | Race of reference person: | | | | | | | Black.....................................| 13 | 27 | 12 | 11 | 12 | 18 | 20 White and other...........................| 87 | 73 | 88 | 89 | 88 | 82 | 80 | | | | | | | Education of reference person: | | | | | | | Elementary (1-8)..........................| 5 | 5 | 3 | 4 | 6 | 13 | 22 High school (9-12)........................| 42 | 75 | 50 | 40 | 30 | 44 | 49 College...................................| 53 | 19 | 47 | 56 | 64 | 43 | 28 Never attended and other..................| (3) | (4) | (4) | (3) | (3) | (4) | 1 | | | | | | | At least one vehicle owned..................| 91 | 67 | 89 | 93 | 95 | 92 | 88 | | | | | | | Average annual expenditures.....................| $44,452 | $24,015 | $36,408 | $46,212 | $54,441 | $45,861 | $36,712 | | | | | | | Food..........................................| 6,499 | 4,608 | 5,536 | 6,923 | 7,282 | 6,476 | 6,014 Food at home................................| 4,073 | 3,300 | 3,670 | 4,256 | 4,308 | 4,202 | 4,283 Cereals and bakery products...............| 662 | 506 | 576 | 706 | 702 | 717 | 641 Cereals and cereal products.............| 246 | 211 | 233 | 258 | 241 | 260 | 248 Bakery products.........................| 416 | 295 | 343 | 448 | 461 | 457 | 392 Meats, poultry, fish, and eggs............| 1,060 | 943 | 982 | 1,077 | 1,108 | 1,182 | 1,134 Beef....................................| 323 | 292 | 318 | 321 | 334 | 357 | 307 Pork....................................| 219 | 258 | 202 | 225 | 219 | 210 | 228 Other meats.............................| 143 | 101 | 121 | 158 | 144 | 160 | 156 Poultry.................................| 213 | 170 | 200 | 209 | 228 | 248 | 273 Fish and seafood........................| 122 | 78 | 105 | 123 | 142 | 155 | 110 Eggs....................................| 41 | 45 | 36 | 40 | 42 | 51 | 61 | | | | | | | Dairy products............................| 454 | 303 | 416 | 491 | 457 | 446 | 494 Fresh milk and cream....................| 196 | 161 | 183 | 214 | 184 | 168 | 242 Other dairy products....................| 258 | 143 | 233 | 277 | 273 | 278 | 252 Fruits and vegetables.....................| 634 | 519 | 527 | 662 | 698 | 697 | 781 Fresh fruits............................| 192 | 143 | 152 | 199 | 229 | 217 | 212 Fresh vegetables........................| 180 | 172 | 141 | 188 | 188 | 239 | 259 Processed fruits........................| 149 | 110 | 128 | 161 | 158 | 139 | 178 Processed vegetables....................| 112 | 94 | 106 | 113 | 122 | 102 | 131 | | | | | | | Other food at home........................| 1,264 | 1,028 | 1,169 | 1,319 | 1,344 | 1,161 | 1,233 Sugar and other sweets..................| 162 | 91 | 149 | 181 | 159 | 152 | 140 Fats and oils...........................| 107 | 79 | 101 | 106 | 114 | 136 | 113 Miscellaneous foods.....................| 583 | 511 | 565 | 615 | 594 | 449 | 551 Nonalcoholic beverages..................| 348 | 320 | 306 | 350 | 388 | 375 | 382 Food prepared by consumer unit | | | | | | | on out-of-town trips...................| 64 | 27 | 48 | 67 | 90 | 49 | 5/47 Food away from home.........................| 2,426 | 1,308 | 1,866 | 2,667 | 2,974 | 2,273 | 1,731 | | | | | | | Alcoholic beverages...........................| 291 | 112 | 255 | 327 | 309 | 359 | 126 | | | | | | | Housing.......................................| 14,011 | 7,613 | 12,418 | 14,993 | 15,593 | 13,197 | 11,718 Shelter.....................................| 7,766 | 4,292 | 6,675 | 8,459 | 8,780 | 6,792 | 6,056 Owned dwellings...........................| 5,624 | 889 | 4,315 | 6,409 | 6,723 | 4,993 | 4,553 Mortgage interest and charges...........| 3,540 | 488 | 2,966 | 4,108 | 4,091 | 2,580 | 2,117 Property taxes..........................| 1,230 | 308 | 841 | 1,332 | 1,509 | 1,446 | 1,614 Maintenance, repairs, insurance, | | | | | | | other expenses.........................| 854 | 5/93 | 508 | 969 | 1,122 | 967 | 822 Rented dwellings..........................| 1,640 | 3,270 | 2,183 | 1,551 | 1,207 | 1,022 | 1,002 Other lodging.............................| 501 | 5/133 | 177 | 499 | 850 | 777 | 501 Utilities, fuels, and public services.......| 2,965 | 1,797 | 2,588 | 2,956 | 3,370 | 3,543 | 3,340 Natural gas...............................| 373 | 212 | 323 | 370 | 414 | 514 | 420 Electricity...............................| 1,148 | 699 | 1,006 | 1,154 | 1,300 | 1,290 | 1,333 Fuel oil and other fuels..................| 130 | 5/56 | 92 | 130 | 158 | 150 | 269 Telephone services........................| 950 | 724 | 886 | 926 | 1,061 | 1,108 | 920 Water and other public services...........| 364 | 105 | 281 | 376 | 438 | 481 | 397 Household operations........................| 942 | 394 | 1,140 | 1,102 | 754 | 380 | 334 Personal services.........................| 630 | 304 | 959 | 782 | 259 | 116 | 5/33 Other household expenses..................| 312 | 90 | 181 | 320 | 495 | 264 | 301 | | | | | | | Housekeeping supplies.......................| 630 | 257 | 542 | 716 | 641 | 622 | 692 Laundry and cleaning supplies.............| 169 | 123 | 155 | 173 | 176 | 192 | 224 Other household products..................| 306 | 115 | 262 | 361 | 304 | 282 | 244 Postage and stationery....................| 155 | 5/19 | 125 | 181 | 162 | 148 | 224 Household furnishings and equipment.........| 1,709 | 874 | 1,473 | 1,761 | 2,048 | 1,859 | 1,296 Household textiles........................| 96 | 43 | 76 | 81 | 156 | 102 | 70 Furniture.................................| 445 | 369 | 399 | 458 | 470 | 510 | 412 Floor coverings...........................| 110 | 5/9 | 112 | 122 | 110 | 5/112 | 5/30 Major appliances..........................| 193 | 136 | 172 | 195 | 224 | 213 | 5/129 Small appliances, miscellaneous housewares| 131 | 47 | 85 | 150 | 171 | 142 | 84 Miscellaneous household equipment.........| 734 | 270 | 628 | 755 | 917 | 781 | 571 | | | | | | | Apparel and services..........................| 2,456 | 1,666 | 2,116 | 2,623 | 2,853 | 2,271 | 1,648 Men and boys................................| 612 | 379 | 518 | 686 | 681 | 530 | 376 Men, 16 and over..........................| 417 | 300 | 309 | 444 | 518 | 493 | 244 Boys, 2 to 15.............................| 196 | 79 | 209 | 242 | 163 | 37 | 131 Women and girls.............................| 924 | 394 | 741 | 1,028 | 1,110 | 860 | 618 Women, 16 and over........................| 665 | 292 | 528 | 673 | 898 | 766 | 410 Girls, 2 to 15............................| 260 | 102 | 213 | 356 | 211 | 93 | 207 Children under 2............................| 143 | 253 | 271 | 96 | 74 | 71 | 141 Footwear....................................| 467 | 265 | 386 | 547 | 452 | 525 | 372 Other apparel products and services.........| 309 | 375 | 200 | 266 | 537 | 286 | 141 | | | | | | | Transportation................................| 8,505 | 5,172 | 6,815 | 8,229 | 11,299 | 10,411 | 5,894 Vehicle purchases (net outlay)..............| 3,710 | 2,438 | 3,084 | 3,537 | 5,022 | 4,815 | 5/993 Cars and trucks, new......................| 1,548 | 5/33 | 1,336 | 1,541 | 2,213 | 5/1,620 | 5/237 Cars and trucks, used.....................| 2,124 | 2,403 | 1,718 | 1,924 | 2,807 | 3,195 | 756 Other vehicles............................| 37 | 5/2 | 5/31 | 72 | 5/2 | (4) | (4) Gasoline and motor oil......................| 1,498 | 956 | 1,274 | 1,492 | 1,856 | 1,626 | 1,205 Other vehicle expenses......................| 2,901 | 1,634 | 2,233 | 2,824 | 3,863 | 3,376 | 2,965 Vehicle finance charges...................| 389 | 262 | 389 | 375 | 462 | 395 | 205 Maintenance and repairs...................| 895 | 388 | 625 | 920 | 1,253 | 924 | 727 Vehicle insurance.........................| 947 | 525 | 760 | 909 | 1,192 | 1,204 | 1,158 Vehicle rental, leases, licenses, | | | | | | | other charges............................| 670 | 460 | 458 | 620 | 956 | 852 | 875 Public transportation.......................| 395 | 144 | 223 | 376 | 558 | 594 | 731 | | | | | | | Health care...................................| 1,912 | 759 | 1,451 | 1,871 | 2,336 | 2,508 | 3,242 Health insurance............................| 875 | 409 | 674 | 877 | 989 | 1,101 | 1,670 Medical services............................| 651 | 229 | 523 | 626 | 808 | 904 | 849 Drugs.......................................| 273 | 102 | 191 | 245 | 380 | 343 | 596 Medical supplies............................| 114 | 5/20 | 63 | 122 | 159 | 161 | 127 | | | | | | | Entertainment.................................| 2,540 | 1,057 | 1,985 | 2,762 | 3,266 | 1,979 | 1,808 Fees and admissions.........................| 674 | 190 | 398 | 755 | 970 | 518 | 582 Television, radios, sound equipment.........| 732 | 500 | 590 | 751 | 877 | 798 | 764 Pets, toys, and playground equipment........| 453 | 182 | 377 | 574 | 399 | 451 | 212 Other entertainment supplies, equipment, | | | | | | | and services...............................| 681 | 185 | 620 | 681 | 1,020 | 213 | 250 | | | | | | | Personal care products and services...........| 670 | 452 | 509 | 692 | 832 | 683 | 794 | | | | | | | Reading.......................................| 176 | 56 | 119 | 177 | 245 | 174 | 261 | | | | | | | Education.....................................| 799 | 96 | 262 | 672 | 1,673 | 1,217 | 582 | | | | | | | Tobacco products and smoking supplies.........| 303 | 360 | 267 | 317 | 285 | 346 | 370 | | | | | | | Miscellaneous.................................| 810 | 388 | 743 | 755 | 1,081 | 797 | 657 | | | | | | | Cash contributions............................| 944 | 5/171 | 538 | 881 | 1,599 | 1,203 | 760 | | | | | | | Personal insurance and pensions...............| 4,535 | 1,505 | 3,396 | 4,987 | 5,789 | 4,241 | 2,839 Life and other personal insurance...........| 517 | 133 | 334 | 556 | 659 | 746 | 439 Pensions and Social Security................| 4,018 | 1,372 | 3,062 | 4,432 | 5,131 | 3,495 | 2,399 | | | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | | | | | Money income before taxes.....................| 52,764 | 23,029 | 41,107 | 55,469 | 66,996 | 52,381 | 47,538 Wages and salaries..........................| 47,090 | 18,565 | 38,085 | 50,906 | 58,831 | 43,548 | 27,809 Self-employment income......................| 2,476 | 5/1,347 | 1,191 | 2,329 | 4,681 | 2,008 | 5/2,080 Social Security, private and government | | | | | | | retirement.................................| 1,453 | 5/340 | 226 | 675 | 1,727 | 4,064 | 15,336 Interest, dividends, rental income, other | | | | | | | property income............................| 481 | 5/147 | 68 | 481 | 675 | 1,243 | 1,407 Unemployment and workers' compensation, | | | | | | | veterans' benefits.........................| 291 | 5/40 | 208 | 275 | 369 | 525 | 5/483 Public assistance, supplemental security | | | | | | | income, food stamps........................| 500 | 1,836 | 661 | 382 | 332 | 600 | 339 Regular contributions for support...........| 315 | 5/237 | 520 | 275 | 202 | 5/294 | 5/74 Other income................................| 158 | 5/517 | 148 | 145 | 179 | 5/99 | 5/9 | | | | | | | Personal taxes................................| 4,053 | 1,278 | 2,795 | 4,402 | 5,575 | 4,082 | 2,314 Federal income taxes........................| 2,986 | 938 | 2,010 | 3,260 | 4,165 | 2,885 | 1,729 State and local income taxes................| 930 | 338 | 726 | 979 | 1,241 | 901 | 522 Other taxes.................................| 137 | 5/3 | 59 | 163 | 169 | 296 | 5/63 | | | | | | | Income after taxes............................| 48,711 | 21,751 | 38,312 | 51,067 | 61,421 | 48,300 | 45,223 | | | | | | | Addenda: | | | | | | | | | | | | | | Net change in total assets and liabilities....| 462 | 3,060 | -1,379 | 2,897 | -1,016 | -3,003 | -2,330 Net change in total assets..................| 8,180 | 4,945 | 8,092 | 11,390 | 6,262 | 773 | -1,107 Net change in total liabilities.............| 7,718 | 1,885 | 9,471 | 8,493 | 7,278 | 3,776 | 1,223 | | | | | | | Other financial information: | | | | | | | | | | | | | | Other money receipts........................| 454 | 5/23 | 156 | 583 | 757 | 93 | 5/225 Mortgage principal paid on owned property...| -1,563 | -175 | -925 | -1,869 | -2,096 | -1,123 | -1,316 Estimated market value of owned home........| 92,978 | 12,367 | 59,781 | 99,549 | 119,966 | 110,823 | 133,271 Estimated monthly rental value of owned home| 644 | 95 | 479 | 676 | 809 | 745 | 771 | | | | | | | Gifts of goods and services...................| 1,028 | 435 | 727 | 853 | 1,690 | 1,481 | 1,028 Food........................................| 72 | 5/43 | 32 | 75 | 122 | 77 | 5/10 Housing.....................................| 323 | 198 | 337 | 255 | 482 | 318 | 186 Housekeeping supplies.....................| 47 | 5/4 | 34 | 54 | 56 | 5/61 | 5/34 Household textiles........................| 6 | 5/5 | 4 | 6 | 11 | 5/6 | 5/6 Appliances and miscellaneous housewares...| 37 | 5/2 | 32 | 26 | 69 | 5/49 | 5/31 Major appliances........................| 8 | (4) | 5/13 | 3 | 14 | 5/8 | (4) Small appliances and miscellaneous | | | | | | | housewares.............................| 29 | 5/2 | 20 | 23 | 56 | 5/40 | 5/31 Miscellaneous household equipment.........| 72 | 5/5 | 60 | 59 | 120 | 79 | 77 Other housing.............................| 160 | 183 | 207 | 110 | 226 | 123 | 5/39 Apparel and services........................| 284 | 5/87 | 218 | 263 | 420 | 280 | 467 Males, 2 and over.........................| 55 | 5/9 | 60 | 51 | 56 | 63 | 106 Females, 2 and over.......................| 85 | 5/19 | 53 | 106 | 91 | 83 | 138 Children under 2..........................| 52 | 5/20 | 61 | 41 | 63 | 49 | 96 Other apparel products and services.......| 92 | 5/39 | 44 | 66 | 211 | 5/86 | 5/127 Jewelry and watches.....................| 62 | 5/1 | 5/17 | 40 | 5/177 | 5/61 | 5/6 All other apparel products and services.| 31 | 5/38 | 5/26 | 26 | 5/34 | 5/25 | 5/121 Transportation..............................| 30 | 10 | 14 | 30 | 53 | 21 | 36 Health care.................................| 33 | 5/2 | 5/4 | 13 | 62 | 5/191 | 5/28 Entertainment...............................| 88 | 5/50 | 64 | 86 | 120 | 125 | 5/55 Toys, games, hobbies, and tricycles.......| 41 | 5/2 | 35 | 52 | 37 | 5/52 | 5/22 Other entertainment.......................| 47 | 47 | 29 | 35 | 83 | 73 | 5/33 Education...................................| 111 | 5/11 | 11 | 56 | 292 | 5/265 | 5/183 All other gifts.............................| 87 | 35 | 48 | 75 | 138 | 203 | 63 | | | | | | | _____________________________________________________________________________________________________________________________ 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.