Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _________________________________________________________________________________________________________________________________ | | | | | | | | | | 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).........| 32,467 | 1,353 | 4,936 | 4,311 | 6,025 | 5,995 | 9,848 | 6,009 | 3,838 | | | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | | | | | Income before taxes 1/........................|$42,142 |$22,923 |$48,635 |$49,785 |$54,846 |$46,591 |$28,465 |$30,293 |$25,590 Income after taxes 1/.........................| 38,401 | 21,733 | 43,811 | 45,434 | 49,251 | 42,363 | 26,515 | 27,845 | 24,422 Age of reference person.......................| 53.1 | 21.8 | 29.2 | 39.7 | 49.8 | 59.5 | 73.5 | 69.3 | 80.1 | | | | | | | | | 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 | .1 | .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 | 1.4 | 1.9 | 2.1 | 2.4 | 2.5 | 1.9 | 2.1 | 1.6 | | | | | | | | | Percent distribution: | | | | | | | | | | | | | | | | | | Sex of reference person: | | | | | | | | | Male......................................| 67 | 48 | 62 | 56 | 62 | 74 | 78 | 79 | 75 Female....................................| 33 | 52 | 38 | 44 | 38 | 26 | 22 | 21 | 25 | | | | | | | | | Housing tenure: | | | | | | | | | Homeowner.................................| 73 | 14 | 45 | 60 | 79 | 88 | 89 | 89 | 89 With mortgage...........................| 35 | 8 | 41 | 47 | 56 | 41 | 16 | 20 | 8 Without mortgage........................| 38 | 7 | 4 | 13 | 24 | 47 | 73 | 69 | 81 Renter....................................| 27 | 86 | 55 | 40 | 21 | 12 | 11 | 11 | 11 | | | | | | | | | Race of reference person: | | | | | | | | | Black.....................................| 9 | 15 | 13 | 12 | 9 | 6 | 5 | 6 | 4 White and other...........................| 91 | 85 | 87 | 88 | 91 | 94 | 95 | 94 | 96 | | | | | | | | | Education of reference person: | | | | | | | | | Elementary (1-8)..........................| 8 | 2 | 2 | 3 | 4 | 8 | 16 | 13 | 21 High school (9-12)........................| 41 | 43 | 29 | 40 | 41 | 41 | 46 | 47 | 45 College...................................| 51 | 55 | 69 | 58 | 55 | 50 | 37 | 39 | 34 Never attended and other..................| (3) | (3) | (4) | (4) | (3) | (3) | 1 | 1 | (3) | | | | | | | | | At least one vehicle owned..................| 91 | 79 | 90 | 90 | 93 | 93 | 92 | 93 | 90 | | | | | | | | | Average annual expenditures.....................|$36,089 |$23,733 |$38,741 |$38,581 |$43,002 |$39,189 |$29,255 |$31,676 |$25,353 | | | | | | | | | Food..........................................| 4,730 | 3,249 | 4,496 | 4,666 | 5,730 | 5,223 | 4,191 | 4,583 | 3,532 Food at home................................| 2,733 | 1,920 | 2,264 | 2,465 | 3,062 | 3,136 | 2,789 | 3,005 | 2,425 Cereals and bakery products...............| 416 | 317 | 361 | 367 | 449 | 466 | 433 | 460 | 386 Cereals and cereal products.............| 141 | 136 | 143 | 129 | 143 | 142 | 144 | 151 | 131 Bakery products.........................| 275 | 181 | 219 | 238 | 306 | 324 | 289 | 309 | 255 Meats, poultry, fish, and eggs............| 695 | 461 | 543 | 601 | 812 | 811 | 713 | 777 | 605 Beef....................................| 200 | 157 | 154 | 183 | 238 | 228 | 197 | 211 | 173 Pork....................................| 146 | 77 | 103 | 105 | 172 | 173 | 167 | 181 | 143 Other meats.............................| 88 | 56 | 65 | 82 | 98 | 117 | 86 | 95 | 70 Poultry.................................| 136 | 91 | 128 | 125 | 148 | 152 | 137 | 152 | 111 Fish and seafood........................| 92 | 54 | 70 | 79 | 122 | 105 | 90 | 99 | 73 Eggs....................................| 32 | 26 | 23 | 26 | 34 | 37 | 37 | 38 | 37 | | | | | | | | | Dairy products............................| 288 | 218 | 257 | 265 | 306 | 315 | 299 | 321 | 260 Fresh milk and cream....................| 113 | 95 | 99 | 105 | 112 | 116 | 125 | 130 | 118 Other dairy products....................| 175 | 123 | 158 | 160 | 195 | 199 | 173 | 192 | 142 Fruits and vegetables.....................| 487 | 296 | 393 | 414 | 518 | 558 | 540 | 572 | 487 Fresh fruits............................| 156 | 90 | 114 | 126 | 160 | 185 | 184 | 190 | 173 Fresh vegetables........................| 150 | 76 | 124 | 131 | 168 | 175 | 158 | 167 | 141 Processed fruits........................| 103 | 69 | 89 | 85 | 108 | 110 | 117 | 126 | 100 Processed vegetables....................| 78 | 61 | 66 | 72 | 83 | 87 | 82 | 88 | 72 | | | | | | | | | Other food at home........................| 848 | 627 | 710 | 818 | 976 | 986 | 804 | 874 | 688 Sugar and other sweets..................| 115 | 63 | 85 | 100 | 123 | 144 | 126 | 131 | 116 Fats and oils...........................| 82 | 45 | 53 | 72 | 91 | 98 | 93 | 99 | 83 Miscellaneous foods.....................| 354 | 320 | 331 | 348 | 399 | 400 | 314 | 332 | 284 Nonalcoholic beverages..................| 236 | 173 | 203 | 247 | 292 | 257 | 211 | 238 | 165 Food prepared by consumer unit | | | | | | | | | on out-of-town trips...................| 61 | 26 | 38 | 52 | 70 | 88 | 60 | 73 | 40 Food away from home.........................| 1,997 | 1,330 | 2,232 | 2,200 | 2,668 | 2,087 | 1,402 | 1,578 | 1,107 | | | | | | | | | Alcoholic beverages...........................| 395 | 322 | 566 | 503 | 424 | 401 | 243 | 275 | 189 | | | | | | | | | Housing.......................................| 11,232 | 7,578 | 12,689 | 12,118 | 13,451 | 11,561 | 9,076 | 9,740 | 8,021 Shelter.....................................| 6,115 | 4,749 | 7,698 | 7,255 | 7,354 | 6,002 | 4,321 | 4,676 | 3,766 Owned dwellings...........................| 3,946 | 597 | 3,808 | 4,399 | 5,250 | 4,568 | 3,101 | 3,410 | 2,616 Mortgage interest and charges...........| 1,937 | 341 | 2,744 | 2,978 | 3,046 | 2,010 | 572 | 793 | 227 Property taxes..........................| 1,095 | 119 | 660 | 836 | 1,285 | 1,353 | 1,289 | 1,330 | 1,224 Maintenance, repairs, insurance, | | | | | | | | | other expenses.........................| 914 | 138 | 405 | 586 | 919 | 1,205 | 1,240 | 1,287 | 1,165 Rented dwellings..........................| 1,620 | 4,021 | 3,580 | 2,405 | 1,390 | 701 | 663 | 634 | 707 Other lodging.............................| 549 | 131 | 310 | 451 | 713 | 733 | 558 | 631 | 444 Utilities, fuels, and public services.......| 2,444 | 1,492 | 2,151 | 2,393 | 2,706 | 2,699 | 2,429 | 2,507 | 2,307 Natural gas...............................| 305 | 112 | 227 | 265 | 309 | 338 | 367 | 360 | 376 Electricity...............................| 949 | 569 | 753 | 916 | 1,048 | 1,076 | 975 | 1,006 | 927 Fuel oil and other fuels..................| 119 | 5/16 | 67 | 88 | 141 | 131 | 152 | 168 | 127 Telephone services........................| 783 | 721 | 910 | 884 | 903 | 812 | 593 | 637 | 524 Water and other public services...........| 288 | 74 | 194 | 239 | 305 | 343 | 343 | 336 | 353 Household operations........................| 430 | 169 | 361 | 376 | 418 | 420 | 538 | 448 | 679 Personal services.........................| 82 | 108 | 145 | 126 | 23 | 5/8 | 108 | 5/63 | 178 Other household expenses..................| 349 | 61 | 216 | 250 | 395 | 412 | 430 | 385 | 501 | | | | | | | | | Housekeeping supplies.......................| 501 | 175 | 407 | 439 | 586 | 603 | 521 | 580 | 421 Laundry and cleaning supplies.............| 113 | 50 | 105 | 112 | 124 | 129 | 112 | 124 | 92 Other household products..................| 233 | 82 | 166 | 197 | 271 | 300 | 248 | 283 | 189 Postage and stationery....................| 155 | 44 | 137 | 131 | 191 | 174 | 161 | 174 | 140 Household furnishings and equipment.........| 1,741 | 993 | 2,071 | 1,655 | 2,387 | 1,836 | 1,267 | 1,530 | 847 Household textiles........................| 90 | 49 | 92 | 79 | 123 | 117 | 64 | 74 | 48 Furniture.................................| 423 | 339 | 645 | 401 | 607 | 450 | 205 | 273 | 99 Floor coverings...........................| 125 | 5/13 | 75 | 74 | 148 | 107 | 190 | 216 | 149 Major appliances..........................| 206 | 103 | 165 | 177 | 241 | 295 | 177 | 195 | 148 Small appliances, miscellaneous housewares| 99 | 35 | 86 | 92 | 116 | 138 | 85 | 97 | 65 Miscellaneous household equipment.........| 798 | 454 | 1,007 | 832 | 1,153 | 728 | 546 | 675 | 338 | | | | | | | | | Apparel and services..........................| 1,667 | 1,503 | 2,353 | 1,663 | 1,963 | 1,589 | 1,175 | 1,449 | 712 Men and boys................................| 378 | 295 | 464 | 330 | 506 | 358 | 298 | 371 | 177 Men, 16 and over..........................| 346 | 267 | 430 | 291 | 474 | 316 | 274 | 337 | 168 Boys, 2 to 15.............................| 33 | 28 | 34 | 39 | 32 | 42 | 24 | 34 | 9 Women and girls.............................| 711 | 587 | 1,014 | 726 | 790 | 706 | 509 | 608 | 342 Women, 16 and over........................| 665 | 568 | 981 | 605 | 753 | 655 | 483 | 575 | 328 Girls, 2 to 15............................| 46 | 18 | 33 | 121 | 37 | 52 | 26 | 33 | 14 Children under 2............................| 40 | 95 | 41 | 28 | 46 | 56 | 21 | 22 | 21 Footwear....................................| 268 | 339 | 335 | 295 | 274 | 276 | 194 | 245 | 107 Other apparel products and services.........| 270 | 187 | 499 | 284 | 347 | 192 | 152 | 204 | 65 | | | | | | | | | Transportation................................| 6,918 | 5,757 | 7,885 | 7,593 | 7,852 | 7,732 | 5,232 | 5,998 | 4,031 Vehicle purchases (net outlay)..............| 3,037 | 2,978 | 3,555 | 3,364 | 3,301 | 3,441 | 2,236 | 2,674 | 1,551 Cars and trucks, new......................| 1,503 | 5/999 | 1,463 | 1,574 | 1,504 | 1,955 | 1,284 | 1,505 | 938 Cars and trucks, used.....................| 1,477 | 1,979 | 2,013 | 1,514 | 1,757 | 1,482 | 948 | 1,161 | 613 Other vehicles............................| 58 | 5/0 | 5/80 | 5/276 | 5/40 | 5/3 | 5/5 | 5/8 | (4) Gasoline and motor oil......................| 1,103 | 906 | 1,187 | 1,193 | 1,297 | 1,270 | 826 | 951 | 631 Other vehicle expenses......................| 2,263 | 1,630 | 2,618 | 2,497 | 2,758 | 2,384 | 1,696 | 1,844 | 1,460 Vehicle finance charges...................| 288 | 326 | 462 | 329 | 391 | 294 | 112 | 146 | 57 Maintenance and repairs...................| 691 | 381 | 687 | 731 | 799 | 783 | 600 | 650 | 518 Vehicle insurance.........................| 776 | 553 | 839 | 812 | 887 | 845 | 651 | 709 | 560 Vehicle rental, leases, licenses, | | | | | | | | | other charges............................| 507 | 370 | 630 | 625 | 681 | 462 | 334 | 339 | 326 Public transportation.......................| 515 | 243 | 525 | 540 | 495 | 637 | 473 | 528 | 389 | | | | | | | | | Health care...................................| 2,220 | 564 | 1,196 | 1,381 | 1,777 | 2,444 | 3,472 | 3,279 | 3,771 Health insurance............................| 1,102 | 284 | 631 | 710 | 766 | 1,081 | 1,839 | 1,724 | 2,020 Medical services............................| 559 | 150 | 315 | 379 | 559 | 776 | 686 | 674 | 703 Drugs.......................................| 436 | 86 | 164 | 204 | 323 | 458 | 787 | 715 | 897 Medical supplies............................| 122 | 44 | 86 | 87 | 129 | 128 | 160 | 166 | 151 | | | | | | | | | Entertainment.................................| 2,035 | 1,159 | 2,260 | 2,580 | 2,271 | 2,369 | 1,449 | 1,620 | 1,178 Fees and admissions.........................| 490 | 303 | 526 | 524 | 539 | 548 | 418 | 469 | 337 Television, radios, sound equipment.........| 554 | 461 | 641 | 627 | 625 | 555 | 449 | 499 | 369 Pets, toys, and playground equipment........| 371 | 210 | 541 | 374 | 462 | 403 | 226 | 274 | 144 Other entertainment supplies, equipment, | | | | | | | | | and services...............................| 620 | 185 | 552 | 1,056 | 645 | 863 | 357 | 377 | 328 | | | | | | | | | Personal care products and services...........| 555 | 343 | 573 | 596 | 606 | 560 | 525 | 537 | 505 | | | | | | | | | Reading.......................................| 197 | 92 | 171 | 181 | 216 | 233 | 196 | 208 | 178 | | | | | | | | | Education.....................................| 412 | 824 | 635 | 498 | 671 | 255 | 142 | 177 | 86 | | | | | | | | | Tobacco products and smoking supplies.........| 261 | 231 | 245 | 348 | 353 | 281 | 168 | 208 | 106 | | | | | | | | | Miscellaneous.................................| 939 | 334 | 912 | 1,175 | 1,160 | 1,036 | 742 | 800 | 650 | | | | | | | | | Cash contributions............................| 1,219 | 252 | 514 | 857 | 1,482 | 1,599 | 1,471 | 1,306 | 1,728 | | | | | | | | | Personal insurance and pensions...............| 3,310 | 1,524 | 4,247 | 4,424 | 5,046 | 3,908 | 1,173 | 1,496 | 667 Life and other personal insurance...........| 416 | 80 | 240 | 300 | 568 | 614 | 387 | 455 | 280 Pensions and Social Security................| 2,895 | 1,443 | 4,007 | 4,124 | 4,478 | 3,294 | 787 | 1,042 | 387 | | | | | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | | | | | | | | | Money income before taxes.....................| 42,142 | 22,923 | 48,635 | 49,785 | 54,846 | 46,591 | 28,465 | 30,293 | 25,590 Wages and salaries..........................| 29,900 | 20,576 | 45,682 | 43,406 | 46,554 | 33,070 | 6,297 | 8,365 | 3,046 Self-employment income......................| 2,499 | 5/517 | 1,645 | 4,374 | 4,434 | 2,745 | 1,130 | 980 | 1,365 Social Security, private and government | | | | | | | | | retirement.................................| 7,683 | 5/232 | 228 | 523 | 1,833 | 8,586 | 18,240 | 18,169 | 18,351 Interest, dividends, rental income, other | | | | | | | | | property income............................| 1,260 | 19 | 170 | 641 | 994 | 1,488 | 2,252 | 2,257 | 2,244 Unemployment and workers' compensation, | | | | | | | | | veterans' benefits.........................| 188 | 5/130 | 174 | 176 | 272 | 234 | 135 | 110 | 175 Public assistance, supplemental security | | | | | | | | | income, food stamps........................| 283 | 588 | 218 | 230 | 365 | 233 | 279 | 233 | 351 Regular contributions for support...........| 168 | 496 | 229 | 290 | 207 | 89 | 63 | 5/77 | 5/42 Other income................................| 161 | 365 | 289 | 145 | 188 | 148 | 69 | 103 | 5/17 | | | | | | | | | Personal taxes................................| 3,741 | 1,190 | 4,824 | 4,352 | 5,595 | 4,229 | 1,950 | 2,448 | 1,168 Federal income taxes........................| 2,846 | 939 | 3,749 | 3,427 | 4,348 | 3,281 | 1,305 | 1,587 | 861 State and local income taxes................| 735 | 247 | 1,011 | 844 | 1,081 | 738 | 416 | 612 | 109 Other taxes.................................| 160 | 5/4 | 64 | 80 | 167 | 210 | 229 | 249 | 198 | | | | | | | | | Income after taxes............................| 38,401 | 21,733 | 43,811 | 45,434 | 49,251 | 42,363 | 26,515 | 27,845 | 24,422 | | | | | | | | | Addenda: | | | | | | | | | | | | | | | | | | Net change in total assets and liabilities....| -236 | -90 | -3,906 | -177 | -93 | 937 | 757 | 2,380 | -1,784 Net change in total assets..................| 5,858 | 2,595 | 14,107 | 8,265 | 5,894 | 4,492 | 1,928 | 3,916 | -1,184 Net change in total liabilities.............| 6,094 | 2,685 | 18,013 | 8,442 | 5,987 | 3,555 | 1,171 | 1,536 | 600 | | | | | | | | | Other financial information: | | | | | | | | | | | | | | | | | | Other money receipts........................| 479 | 71 | 430 | 201 | 511 | 645 | 561 | 738 | 284 Mortgage principal paid on owned property...| -975 | -90 | -682 | -1,015 | -1,684 | -1,580 | -423 | -540 | -239 Estimated market value of owned home........| 87,556 | 7,949 | 49,447 | 67,981 |101,770 |110,198 |103,688 |104,987 |101,654 Estimated monthly rental value of owned home| 602 | 85 | 386 | 501 | 679 | 748 | 691 | 703 | 671 | | | | | | | | | Gifts of goods and services...................| 1,310 | 523 | 823 | 1,063 | 2,054 | 1,642 | 1,119 | 1,284 | 844 Food........................................| 76 | 21 | 32 | 59 | 137 | 87 | 70 | 72 | 67 Housing.....................................| 311 | 145 | 215 | 205 | 528 | 399 | 243 | 257 | 219 Housekeeping supplies.....................| 48 | 22 | 52 | 40 | 50 | 56 | 49 | 55 | 40 Household textiles........................| 11 | 4 | 8 | 4 | 14 | 20 | 10 | 12 | 5 Appliances and miscellaneous housewares...| 35 | 5/14 | 18 | 19 | 47 | 61 | 30 | 30 | 30 Major appliances........................| 9 | 5/8 | 3 | 4 | 15 | 15 | 8 | 4 | 14 Small appliances and miscellaneous | | | | | | | | | housewares.............................| 25 | 5/6 | 14 | 15 | 32 | 46 | 22 | 26 | 16 Miscellaneous household equipment.........| 91 | 46 | 57 | 59 | 162 | 128 | 60 | 71 | 42 Other housing.............................| 127 | 60 | 81 | 84 | 254 | 136 | 94 | 90 | 101 Apparel and services........................| 327 | 236 | 227 | 319 | 409 | 407 | 297 | 389 | 143 Males, 2 and over.........................| 95 | 50 | 59 | 58 | 154 | 104 | 94 | 130 | 33 Females, 2 and over.......................| 112 | 77 | 55 | 125 | 127 | 149 | 110 | 133 | 70 Children under 2..........................| 36 | 22 | 39 | 23 | 46 | 56 | 21 | 22 | 21 Other apparel products and services.......| 85 | 5/87 | 73 | 113 | 82 | 98 | 72 | 104 | 5/18 Jewelry and watches.....................| 41 | 5/73 | 5/37 | 5/60 | 5/32 | 34 | 38 | 59 | 5/4 All other apparel products and services.| 44 | 5/14 | 35 | 53 | 51 | 64 | 34 | 45 | 5/14 Transportation..............................| 77 | 13 | 26 | 52 | 97 | 75 | 110 | 121 | 93 Health care.................................| 38 | 5/0 | 10 | 14 | 58 | 42 | 54 | 37 | 5/79 Entertainment...............................| 127 | 41 | 119 | 108 | 155 | 188 | 97 | 126 | 51 Toys, games, hobbies, and tricycles.......| 51 | 5/8 | 48 | 29 | 45 | 100 | 42 | 51 | 5/28 Other entertainment.......................| 76 | 34 | 71 | 78 | 111 | 88 | 55 | 75 | 24 Education...................................| 180 | 5/8 | 68 | 120 | 500 | 172 | 95 | 114 | 5/65 All other gifts.............................| 174 | 59 | 125 | 186 | 170 | 271 | 152 | 168 | 126 | | | | | | | | | _________________________________________________________________________________________________________________________________ 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.