Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 32,862 1,506 4,891 4,224 6,285 6,100 9,857 6,013 3,844 Income before taxes a/ ...................... $43,996 $24,731 $51,127 $48,386 $58,281 $50,351 $29,278 $30,884 $26,661 Income after taxes a/ ....................... 40,262 23,504 46,379 44,033 52,341 46,017 27,606 28,978 25,370 Age of the reference person.................. 53.1 21.9 29.1 39.8 49.8 59.5 73.5 69.2 80.3 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 .2 .1 b/ b/ b/ b/ Persons 65 and over......................... .5 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.2 1.6 1.7 1.6 1.6 1.3 .5 .6 .3 Vehicles.................................... 2.2 1.5 2.0 2.2 2.5 2.6 2.0 2.2 1.6 Percent distribution: Male........................................ 66 50 60 52 61 72 77 77 76 Female...................................... 34 50 40 48 39 28 23 23 24 Homeowner................................... 73 13 42 63 79 87 89 91 87 With mortgage.............................. 36 7 38 52 56 41 17 22 9 Without mortgage........................... 37 5 4 11 23 46 72 69 78 Renter...................................... 27 87 58 37 21 13 11 9 13 Black....................................... 9 17 13 11 9 7 6 7 4 White and other............................. 91 83 87 89 91 93 94 93 96 Elementary (1-8)............................ 7 1 1 3 4 7 14 12 18 High school (9-12).......................... 40 43 28 39 38 42 46 47 45 College..................................... 53 55 71 58 59 51 39 41 36 Never attended and other.................... c/ d/ d/ d/ c/ c/ 1 c/ 1 At least one vehicle owned or leased........ 93 82 92 93 95 94 94 95 91 Average annual expenditures.................. $36,691 $24,750 $39,677 $38,382 $44,152 $40,105 $29,495 $31,413 $26,425 Food....................................... 4,738 3,413 4,577 4,716 5,454 5,219 4,313 4,627 3,788 Food at home............................. 2,694 1,776 2,219 2,546 2,971 3,082 2,761 2,897 2,532 Cereals and bakery products............ 405 276 348 375 428 444 434 452 404 Cereals and cereal products.......... 132 111 131 130 130 132 138 142 132 Bakery products...................... 273 165 217 244 299 313 296 310 272 Meats, poultry, fish, and eggs......... 695 404 511 692 785 812 715 763 634 Beef................................. 209 141 150 223 240 237 209 225 183 Pork................................. 148 71 87 138 171 177 167 173 157 Other meats.......................... 86 44 67 79 100 103 86 92 77 Poultry.............................. 128 81 122 139 130 137 128 137 112 Fish and seafood..................... 92 41 66 87 109 121 90 101 70 Eggs................................. 31 26 20 25 34 37 35 35 35 Dairy products......................... 284 200 256 256 304 318 294 307 273 Fresh milk and cream................. 109 86 93 99 109 118 120 121 117 Other dairy products................. 176 114 163 157 196 200 175 186 156 Fruits and vegetables.................. 478 273 369 424 502 575 521 525 514 Fresh fruits......................... 155 85 107 129 159 198 175 172 181 Fresh vegetables..................... 149 73 123 137 165 174 158 163 149 Processed fruits..................... 96 63 78 83 99 110 108 105 112 Processed vegetables................. 77 52 61 75 79 93 80 85 72 Other food at home..................... 833 622 735 799 951 933 796 850 708 Sugar and other sweets............... 110 58 87 92 119 133 118 124 108 Fats and oils........................ 78 44 53 66 88 91 89 89 89 Miscellaneous foods.................. 354 306 344 340 407 377 326 336 308 Nonalcoholic beverages............... 230 180 197 256 269 249 206 227 169 Food prepared by consumer unit on out-of-town trips................... 61 35 53 44 67 83 58 73 34 Food away from home...................... 2,044 1,637 2,359 2,170 2,483 2,138 1,552 1,730 1,256 Alcoholic beverages......................... 384 349 563 417 446 331 278 326 199 Housing..................................... 11,816 8,204 13,302 12,799 14,198 12,709 9,156 9,577 8,489 Shelter.................................. 6,470 4,971 8,213 7,839 7,821 6,492 4,373 4,580 4,048 Owned dwellings........................ 4,192 478 3,938 5,061 5,602 4,911 3,170 3,445 2,739 Mortgage interest and charges........ 2,124 279 2,812 3,415 3,265 2,332 657 875 316 Property taxes....................... 1,131 99 698 919 1,327 1,384 1,312 1,367 1,225 Maintenance, repairs, insurance,other expenses............................ 937 99 428 727 1,011 1,195 1,201 1,202 1,199 Rented dwellings....................... 1,700 4,361 3,850 2,392 1,354 831 688 560 888 Other lodging.......................... 578 132 425 387 865 751 515 575 421 Utilities, fuels, and public services.... 2,469 1,530 2,185 2,386 2,803 2,710 2,428 2,514 2,292 Natural gas............................ 300 124 236 266 299 344 347 338 362 Electricity............................ 951 586 733 894 1,098 1,048 985 1,028 917 Fuel oil and other fuels............... 108 e/ 8 68 89 126 129 126 128 125 Telephone services..................... 814 742 951 882 956 846 619 669 539 Water and other public services........ 296 70 197 255 324 343 351 351 349 Household operations..................... 433 237 388 406 435 485 465 386 588 Personal services...................... 89 154 152 150 35 e/ 29 93 e/ 54 153 Other household expenses............... 344 83 236 256 401 456 372 332 435 Housekeeping supplies.................... 532 205 385 423 555 828 513 549 452 Laundry and cleaning supplies.......... 117 55 105 102 140 137 117 122 109 Other household products............... 266 93 142 191 260 523 231 250 198 Postage and stationery................. 149 57 138 130 155 167 166 178 144 Household furnishings and equipment...... 1,911 1,261 2,131 1,745 2,583 2,194 1,378 1,547 1,109 Household textiles..................... 125 51 112 123 161 155 105 133 58 Furniture.............................. 457 370 676 425 577 553 239 275 182 Floor coverings........................ 182 e/ 3 66 68 411 140 208 182 255 Major appliances....................... 193 143 130 225 188 284 162 172 146 Small appliances, miscellaneous housewares............................ 96 74 67 88 123 123 81 99 51 Miscellaneous household equipment...... 858 620 1,081 817 1,123 939 583 685 417 Apparel and services....................... 1,612 1,617 2,110 1,622 1,973 1,627 1,103 1,325 732 Men and boys............................. 335 337 371 349 436 333 243 308 135 Men, 16 and over....................... 308 325 346 310 410 299 221 277 127 Boys, 2 to 15.......................... 27 12 26 39 26 33 22 31 9 Women and girls.......................... 671 601 854 647 860 658 482 561 348 Women, 16 and over..................... 633 577 827 590 812 620 453 522 335 Girls, 2 to 15......................... 37 24 26 57 48 38 29 39 13 Children under 2......................... 40 94 70 23 40 29 27 27 27 Footwear................................. 265 262 301 296 317 277 187 234 109 Other apparel products and services...... 302 323 514 307 319 330 163 195 112 Transportation............................. 6,773 5,401 8,214 7,155 7,626 7,432 5,153 5,765 4,197 Vehicle purchases (net outlay)........... 2,862 2,382 3,706 3,182 3,089 3,071 2,105 2,379 1,677 Cars and trucks, new................... 1,435 e/ 695 1,571 1,461 1,675 1,736 1,132 1,214 1,002 Cars and trucks, used.................. 1,384 1,650 2,047 1,615 1,357 1,324 969 1,157 675 Other vehicles......................... 43 e/ 37 e/ 88 e/ 106 e/ 57 e/ 11 e/ 5 e/ 8 d/ Gasoline and motor oil................... 1,082 922 1,156 1,153 1,280 1,237 818 928 646 Other vehicle expenses................... 2,310 1,789 2,767 2,433 2,728 2,471 1,746 1,922 1,471 Vehicle finance charges................ 307 350 517 351 401 287 129 176 56 Maintenance and repairs................ 684 470 623 718 762 768 635 683 561 Vehicle insurance...................... 785 582 884 768 892 837 674 740 570 Vehicle rental, leases, licenses, other charges......................... 533 386 743 596 674 579 308 323 284 Public transportation.................... 519 308 586 387 529 652 484 536 403 Health care................................ 2,381 639 1,352 1,557 2,078 2,543 3,614 3,485 3,816 Health insurance......................... 1,169 364 671 746 848 1,161 1,929 1,837 2,073 Medical services......................... 597 134 414 515 693 734 649 702 565 Drugs.................................... 482 105 174 211 402 513 850 778 964 Medical supplies......................... 133 37 94 85 134 135 186 168 214 Entertainment.............................. 1,930 1,233 2,107 2,158 2,396 2,081 1,463 1,593 1,264 Fees and admissions...................... 503 316 530 442 620 566 433 449 412 Television, radios, sound equipment...... 544 500 637 568 681 568 396 426 346 Pets, toys, and playground equipment..... 350 199 382 414 424 405 249 295 176 Other entertainment supplies, equipment,and services.................. 534 218 557 734 671 542 386 423 330 Personal care products and services........ 441 278 438 475 495 455 418 435 391 Reading.................................... 195 78 169 168 220 228 202 214 183 Education.................................. 443 949 644 470 843 245 120 157 63 Tobacco products and smoking supplies...... 269 259 229 371 356 305 169 214 100 Miscellaneous.............................. 886 345 882 1,156 1,028 1,095 632 693 536 Cash contributions......................... 1,316 330 531 864 1,773 1,488 1,654 1,471 1,939 Personal insurance and pensions............ 3,506 1,653 4,557 4,454 5,267 4,346 1,219 1,533 728 Life and other personal insurance........ 464 95 272 313 609 752 411 483 298 Pensions and Social Security............. 3,042 1,558 4,285 4,141 4,658 3,594 808 1,050 429 Sources of income and personal taxes: a/ Money income before taxes................. 43,996 24,731 51,127 48,386 58,281 50,351 29,278 30,884 26,661 Wages and salaries....................... 31,480 22,325 48,144 43,488 50,177 34,784 6,290 8,337 2,954 Self-employment income................... 2,457 e/ 524 1,569 2,924 4,187 4,226 958 1,073 770 Social Security, private and government retirement................... 7,952 e/ 119 154 615 1,824 8,933 19,290 18,910 19,908 Interest, dividends, rental income, other property income................... 1,326 54 336 500 1,066 1,715 2,304 2,113 2,614 Unemployment and workers'' compensation, veterans'' benefits..................... 189 e/ 135 150 177 306 281 98 76 136 Public assistance, supplemental security, income, food stamps..................... 230 372 201 247 296 190 199 196 204 Regular contributions for support........ 175 722 194 317 192 93 58 e/ 64 e/ 48 Other income............................. 187 481 379 118 232 130 81 116 e/ 26 Personal taxes............................. 3,733 1,227 4,748 4,353 5,940 4,334 1,672 1,906 1,290 Federal income taxes..................... 2,865 975 3,721 3,325 4,679 3,265 1,209 1,380 929 State and local income taxes............. 685 245 938 906 1,106 810 206 256 123 Other taxes.............................. 183 e/ 7 89 122 154 259 258 269 238 Income after taxes.......................... 40,262 23,504 46,379 44,033 52,341 46,017 27,606 28,978 25,370 Net change in total assets and liabilities.. 176 402 -2,946 1,169 -933 1,621 1,078 454 2,054 Net change in total assets............... 6,966 3,662 13,539 10,238 5,514 8,250 2,940 2,964 2,902 Net change in total liabilities.......... 6,790 3,260 16,485 9,068 6,447 6,629 1,861 2,509 848 Other financial information: Other money receipts..................... 645 77 886 249 664 842 649 878 289 Mortgage principal paid on owned property................................ -1,111 -83 -627 -1,197 -1,830 -2,001 -461 -577 -278 Estimated market value of owned home..... 91,414 10,098 50,887 71,651 105,831 120,386 105,291 108,416 100,403 Estimated monthly rental value of owned home.............................. 636 82 396 559 711 817 712 738 671 Gifts of goods and services................. 1,297 523 823 922 2,261 1,548 1,050 1,176 848 Food..................................... 111 21 39 43 260 149 72 59 93 Housing.................................. 332 139 291 238 577 396 229 254 186 Housekeeping supplies.................. 46 23 56 39 45 54 43 50 32 Household textiles..................... 16 e/ 5 e/ 3 e/ 7 24 23 20 30 e/ 4 Appliances and miscellaneous housewares............................ 36 e/ 11 21 28 43 59 33 41 20 Major appliances..................... 8 e/ 7 e/ 3 e/ 10 14 10 7 9 e/ 3 Small appliances and miscellaneous housewares.......................... 28 e/ 4 18 18 28 49 27 32 17 Miscellaneous household equipment...... 85 36 110 59 107 112 60 66 50 Other housing.......................... 149 65 102 104 359 149 72 67 80 Apparel and services..................... 258 192 183 193 318 346 242 285 172 Males, 2 and over...................... 71 32 51 43 93 96 70 85 44 Females, 2 and over.................... 99 80 39 74 130 133 102 124 67 Children under 2....................... 31 40 42 15 40 29 27 27 27 Other apparel products and services.... 57 40 52 61 55 88 43 48 34 Jewelry and watches.................. 21 e/ 26 27 15 16 30 17 17 17 All other apparel products and services............................ 36 e/ 14 e/ 25 e/ 45 39 57 26 31 e/ 17 Transportation........................... 78 72 31 36 70 72 130 139 118 Health care.............................. 30 e/ 4 11 17 67 38 22 27 e/ 15 Entertainment............................ 121 32 95 103 150 181 102 115 84 Toys, games, hobbies, and tricycles.... 45 10 32 38 52 75 36 50 16 Other entertainment.................... 77 22 63 65 98 106 66 65 69 Education................................ 218 e/ 12 49 148 673 185 94 120 e/ 52 All other gifts.......................... 148 50 124 144 147 181 158 177 128 _____________________________________________ 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.