Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Total Under 65 and Item three 25 25-34 35-44 45-54 55-64 over persons ___________________________________________________________________ Number of consumer units (in thousands)...... 16,956 937 3,937 4,581 4,018 1,992 1,490 Income before taxes a/ ...................... $48,797 $24,130 $42,747 $48,709 $65,767 $48,044 $35,617 Income after taxes a/ ....................... 44,813 23,060 39,234 44,001 60,082 44,787 34,536 Age of the reference person.................. 43.7 22.1 29.9 39.3 49.0 58.9 72.5 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 1.0 1.2 1.1 .6 .3 .2 Persons 65 and over......................... .2 b/ b/ b/ b/ .1 1.6 Earners..................................... 1.7 1.7 1.6 1.8 2.1 1.9 1.1 Vehicles.................................... 2.4 1.6 1.9 2.3 3.0 2.7 2.3 Percent distribution: Male........................................ 60 50 55 54 68 70 64 Female...................................... 40 50 45 46 32 30 36 Homeowner................................... 68 20 48 67 83 86 89 With mortgage.............................. 49 14 41 57 63 51 25 Without mortgage........................... 19 7 7 11 20 35 65 Renter...................................... 32 80 52 33 17 14 11 Black....................................... 15 17 18 17 9 16 15 White and other............................. 85 83 82 83 91 84 85 Elementary (1-8)............................ 6 6 3 2 4 10 19 High school (9-12).......................... 40 53 39 41 30 45 50 College..................................... 54 41 57 57 66 44 29 Never attended and other.................... c/ d/ c/ d/ c/ 1 1 At least one vehicle owned or leased........ 92 80 89 92 96 92 92 Average annual expenditures.................. $41,077 $27,161 $35,484 $40,901 $52,187 $43,186 $32,846 Food....................................... 5,605 4,172 4,648 5,735 6,677 5,964 5,522 Food at home............................. 3,339 2,849 2,791 3,368 3,755 3,600 3,704 Cereals and bakery products............ 507 393 406 503 595 555 595 Cereals and cereal products.......... 174 131 152 168 202 200 183 Bakery products...................... 333 262 254 335 393 355 412 Meats, poultry, fish, and eggs......... 870 775 707 869 960 965 1,050 Beef................................. 260 283 210 266 280 273 297 Pork................................. 181 150 148 178 191 237 215 Other meats.......................... 111 89 84 116 114 113 184 Poultry.............................. 169 144 142 170 195 174 181 Fish and seafood..................... 113 76 94 104 142 129 118 Eggs................................. 36 33 30 35 39 39 55 Dairy products......................... 363 300 308 388 391 390 379 Fresh milk and cream................. 144 132 128 153 147 148 154 Other dairy products................. 219 168 180 235 244 242 225 Fruits and vegetables.................. 546 419 449 533 637 619 620 Fresh fruits......................... 162 130 136 157 192 165 190 Fresh vegetables..................... 172 105 139 161 195 255 186 Processed fruits..................... 120 102 100 114 148 118 135 Processed vegetables................. 92 81 74 102 102 81 109 Other food at home..................... 1,052 962 921 1,076 1,172 1,070 1,061 Sugar and other sweets............... 127 95 104 129 157 118 144 Fats and oils........................ 92 75 75 86 99 102 137 Miscellaneous foods.................. 491 486 473 514 507 460 464 Nonalcoholic beverages............... 279 267 226 289 318 307 268 Food prepared by consumer unit on out-of-town trips................... 63 39 43 57 92 82 48 Food away from home...................... 2,266 1,323 1,857 2,367 2,921 2,364 1,818 Alcoholic beverages......................... 299 232 290 316 304 320 277 Housing..................................... 13,036 8,881 12,402 13,629 15,483 12,478 9,709 Shelter.................................. 7,314 5,129 7,127 7,703 8,874 6,646 4,672 Owned dwellings........................ 4,864 873 3,935 5,161 6,729 5,071 3,606 Mortgage interest and charges........ 3,019 467 2,761 3,454 4,229 2,745 1,075 Property taxes....................... 1,121 227 699 1,042 1,618 1,448 1,268 Maintenance, repairs, insurance,other expenses............................ 723 180 475 665 883 878 1,263 Rented dwellings....................... 1,950 4,117 2,966 2,139 1,221 833 782 Other lodging.......................... 500 139 226 403 924 742 283 Utilities, fuels, and public services.... 2,788 1,768 2,377 2,797 3,238 3,121 2,832 Natural gas............................ 328 161 276 321 359 390 423 Electricity............................ 1,053 743 851 1,047 1,245 1,184 1,105 Fuel oil and other fuels............... 108 e/ 21 73 102 144 146 123 Telephone services..................... 972 747 930 999 1,084 1,007 798 Water and other public services........ 328 96 247 329 406 394 383 Household operations..................... 741 557 1,048 890 615 429 344 Personal services...................... 463 439 902 601 199 e/ 116 e/ 67 Other household expenses............... 278 118 146 289 416 312 277 Housekeeping supplies.................... 515 298 409 540 671 525 459 Laundry and cleaning supplies.......... 137 114 111 155 148 140 140 Other household products............... 230 94 185 232 314 243 203 Postage and stationery................. 148 89 113 153 208 142 116 Household furnishings and equipment...... 1,678 1,128 1,442 1,700 2,085 1,758 1,401 Household textiles..................... 108 66 94 95 127 137 121 Furniture.............................. 412 323 435 433 502 305 238 Floor coverings........................ 71 e/ 136 67 69 76 e/ 68 e/ 36 Major appliances....................... 196 119 143 234 196 228 227 Small appliances, miscellaneous housewares............................ 102 45 79 98 115 182 84 Miscellaneous household equipment...... 789 439 623 771 1,069 837 695 Apparel and services....................... 2,080 1,700 1,850 1,956 2,788 2,079 1,440 Men and boys............................. 507 303 466 399 784 456 432 Men, 16 and over....................... 399 234 345 271 665 394 369 Boys, 2 to 15.......................... 108 69 121 128 119 62 63 Women and girls.......................... 779 520 597 787 1,088 808 582 Women, 16 and over..................... 651 419 457 607 970 724 551 Girls, 2 to 15......................... 128 101 140 180 118 84 31 Children under 2......................... 135 392 248 133 43 e/ 17 e/ 31 Footwear................................. 342 286 282 369 444 313 226 Other apparel products and services...... 316 199 257 268 429 485 169 Transportation............................. 8,428 7,243 7,343 7,938 10,834 9,143 6,108 Vehicle purchases (net outlay)........... 3,882 4,274 3,401 3,758 4,937 3,914 2,397 Cars and trucks, new................... 1,814 e/ 788 1,178 1,933 2,749 1,999 e/ 1,006 Cars and trucks, used.................. 2,012 3,146 2,204 1,774 2,113 1,914 1,379 Other vehicles......................... 56 e/ 339 e/ 19 e/ 51 e/ 75 c/ e/ 12 Gasoline and motor oil................... 1,294 1,000 1,142 1,243 1,609 1,363 1,096 Other vehicle expenses................... 2,825 1,799 2,487 2,601 3,656 3,247 2,246 Vehicle finance charges................ 431 315 487 406 518 397 248 Maintenance and repairs................ 789 423 628 746 1,078 923 611 Vehicle insurance...................... 939 598 733 846 1,220 1,149 944 Vehicle rental, leases, licenses, other charges......................... 666 464 639 602 840 778 444 Public transportation.................... 427 170 313 336 632 620 368 Health care................................ 1,914 698 1,334 1,676 2,378 2,270 3,227 Health insurance......................... 954 357 712 820 1,122 1,082 1,756 Medical services......................... 559 228 386 542 757 622 658 Drugs.................................... 296 90 171 228 352 402 681 Medical supplies......................... 105 23 65 87 147 164 132 Entertainment.............................. 1,928 1,003 1,668 1,837 2,536 2,443 1,188 Fees and admissions...................... 470 194 366 454 725 457 299 Television, radios, sound equipment...... 578 408 541 609 690 552 431 Pets, toys, and playground equipment..... 380 265 366 396 441 407 252 Other entertainment supplies, equipment,and services.................. 500 135 395 378 679 1,028 206 Personal care products and services........ 453 316 366 466 593 472 357 Reading.................................... 166 64 123 157 216 182 215 Education.................................. 744 446 305 716 1,511 674 203 Tobacco products and smoking supplies...... 338 319 281 361 353 389 323 Miscellaneous.............................. 966 443 774 932 1,091 1,117 1,374 Cash contributions......................... 1,001 230 539 859 1,407 1,760 1,036 Personal insurance and pensions............ 4,119 1,414 3,560 4,321 6,015 3,893 1,868 Life and other personal insurance........ 458 115 280 405 716 512 539 Pensions and Social Security............. 3,661 1,299 3,281 3,916 5,299 3,381 1,328 Sources of income and personal taxes: a/ Money income before taxes................. 48,797 24,130 42,747 48,709 65,767 48,044 35,617 Wages and salaries....................... 41,785 21,930 39,765 43,577 57,531 38,755 15,442 Self-employment income................... 2,275 e/ 502 1,426 2,576 3,916 1,926 747 Social Security, private and government retirement................... 2,883 e/ 50 292 676 2,085 5,555 16,921 Interest, dividends, rental income, other property income................... 681 16 215 497 1,169 865 1,355 Unemployment and workers'' compensation, veterans'' benefits..................... 212 e/ 183 132 184 234 321 336 Public assistance, supplemental security, income, food stamps..................... 430 983 499 505 280 341 207 Regular contributions for support........ 333 258 311 516 365 e/ 115 e/ 56 Other income............................. 198 207 107 180 186 168 e/ 552 Personal taxes............................. 3,984 1,070 3,513 4,709 5,685 3,256 1,080 Federal income taxes..................... 3,081 835 2,735 3,724 4,343 2,467 734 State and local income taxes............. 753 219 705 859 1,080 638 140 Other taxes.............................. 150 e/ 16 74 126 262 151 206 Income after taxes.......................... 44,813 23,060 39,234 44,001 60,082 44,787 34,536 Net change in total assets and liabilities.. -570 3,516 -1,730 -1,982 374 -1,434 2,882 Net change in total assets............... 8,570 5,423 10,692 8,166 9,118 7,438 6,221 Net change in total liabilities.......... 9,140 1,906 12,422 10,149 8,744 8,872 3,340 Other financial information: Other money receipts..................... 486 120 776 268 664 288 401 Mortgage principal paid on owned property................................ -1,305 -153 -713 -1,356 -2,132 -1,659 -741 Estimated market value of owned home..... 86,364 11,378 52,660 79,515 123,187 114,825 106,296 Estimated monthly rental value of owned home.............................. 610 123 407 595 803 787 745 Gifts of goods and services................. 1,202 450 737 935 2,187 1,384 853 Food..................................... 96 28 25 86 218 101 23 Housing.................................. 371 125 330 265 603 430 269 Housekeeping supplies.................. 41 e/ 15 33 36 69 43 19 Household textiles..................... 14 e/ 5 20 9 13 24 e/ 5 Appliances and miscellaneous housewares............................ 33 e/ 5 22 18 50 83 e/ 18 Major appliances..................... 7 e/ 1 e/ 2 e/ 4 18 e/ 8 e/ 1 Small appliances and miscellaneous housewares.......................... 26 e/ 3 19 14 31 74 e/ 17 Miscellaneous household equipment...... 86 40 58 92 121 119 34 Other housing.......................... 198 60 199 110 351 161 191 Apparel and services..................... 243 220 245 172 314 328 167 Males, 2 and over...................... 63 31 75 34 87 90 42 Females, 2 and over.................... 87 e/ 59 76 71 121 108 64 Children under 2....................... 45 e/ 117 63 39 34 e/ 15 e/ 29 Other apparel products and services.... 49 e/ 12 31 29 72 116 e/ 32 Jewelry and watches.................. 25 e/ 3 9 9 35 95 e/ 10 All other apparel products and services............................ 24 e/ 9 22 e/ 20 37 e/ 21 e/ 22 Transportation........................... 63 10 21 46 119 69 104 Health care.............................. 25 e/ 1 e/ 6 22 40 e/ 34 e/ 42 Entertainment............................ 76 e/ 18 48 52 139 103 64 Toys, games, hobbies, and tricycles.... 27 e/ 12 22 20 38 33 34 Other entertainment.................... 49 e/ 7 26 31 101 69 30 Education................................ 217 e/ 11 e/ 15 178 594 191 e/ 23 All other gifts.......................... 111 37 46 115 159 128 161 _____________________________________________ 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.