Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Total Under 65 and Item four 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 15,072 526 3,812 6,259 3,250 789 436 Income before taxes a/ ...................... $58,345 $24,663 $44,950 $63,253 $73,248 $57,196 $38,125 Income after taxes a/ ....................... 53,956 24,081 42,266 58,663 66,609 51,036 36,591 Age of the reference person.................. 40.4 22.0 30.4 39.4 48.7 58.3 70.6 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 1.7 2.0 1.9 1.2 .8 .7 Persons 65 and over......................... .1 b/ b/ b/ b/ .1 1.5 Earners..................................... 2.0 1.7 1.7 2.0 2.5 2.4 1.6 Vehicles.................................... 2.5 1.6 2.1 2.6 3.1 2.9 2.5 Percent distribution: Male........................................ 64 52 57 65 70 64 66 Female...................................... 36 48 43 35 30 36 34 Homeowner................................... 75 24 61 80 88 84 86 With mortgage.............................. 60 15 52 69 68 49 34 Without mortgage........................... 15 9 9 11 20 35 51 Renter...................................... 25 76 39 20 12 16 14 Black....................................... 12 21 13 11 8 19 25 White and other............................. 88 79 87 89 92 81 75 Elementary (1-8)............................ 5 8 3 3 4 11 34 High school (9-12).......................... 39 61 47 36 30 37 29 College..................................... 57 31 49 61 65 52 37 Never attended and other.................... c/ d/ c/ c/ c/ d/ c/ At least one vehicle owned or leased........ 94 80 92 94 97 94 89 Average annual expenditures.................. $48,040 $26,814 $38,904 $51,473 $56,890 $49,552 $37,933 Food........................................ 6,820 4,603 5,404 7,280 8,192 7,244 5,339 Food at home............................. 4,015 2,925 3,335 4,212 4,627 4,446 3,667 Cereals and bakery products............ 645 410 511 705 744 667 573 Cereals and cereal products.......... 239 170 203 256 263 243 223 Bakery products...................... 407 240 308 449 481 424 350 Meats, poultry, fish, and eggs......... 999 803 884 994 1,144 1,110 1,079 Beef................................. 294 266 276 283 333 291 343 Pork................................. 202 148 170 203 230 261 229 Other meats.......................... 135 104 113 139 157 142 157 Poultry.............................. 198 135 178 200 226 218 191 Fish and seafood..................... 127 111 110 128 149 137 113 Eggs................................. 43 39 37 42 49 61 46 Dairy products......................... 451 334 381 500 474 466 385 Fresh milk and cream................. 186 147 170 208 172 203 163 Other dairy products................. 265 187 211 291 302 263 222 Fruits and vegetables.................. 661 477 538 677 787 773 653 Fresh fruits......................... 201 142 154 211 243 196 227 Fresh vegetables..................... 194 139 162 188 238 256 201 Processed fruits..................... 149 102 117 152 188 192 109 Processed vegetables................. 117 94 105 125 117 131 116 Other food at home..................... 1,259 901 1,020 1,336 1,478 1,429 977 Sugar and other sweets............... 152 98 108 172 175 173 131 Fats and oils........................ 107 91 85 111 122 134 118 Miscellaneous foods.................. 604 455 525 647 675 665 365 Nonalcoholic beverages............... 336 246 271 346 411 388 281 Food prepared by consumer unit on out-of-town trips................... 60 e/ 12 30 61 95 69 e/ 81 Food away from home.................... 2,805 1,678 2,069 3,068 3,564 2,798 1,672 Alcoholic beverages......................... 272 188 201 310 316 326 109 Housing..................................... 15,538 9,125 13,513 17,092 16,830 14,398 11,558 Shelter.................................. 8,809 5,267 7,585 9,911 9,408 7,497 5,857 Owned dwellings........................ 6,695 1,180 4,976 8,009 7,579 5,788 4,574 Mortgage interest and charges........ 4,341 704 3,564 5,311 4,580 3,131 2,004 Property taxes....................... 1,442 214 881 1,689 1,748 1,840 1,297 Maintenance, repairs, insurance,other expenses............................ 912 262 531 1,009 1,251 817 1,273 Rented dwellings....................... 1,588 3,843 2,443 1,393 825 1,064 815 Other lodging.......................... 526 e/ 244 167 509 1,004 644 468 Utilities, fuels, and public services.... 3,022 2,034 2,624 3,042 3,444 3,548 3,294 Natural gas............................ 342 182 292 344 380 473 414 Electricity............................ 1,169 835 1,038 1,163 1,331 1,327 1,301 Fuel oil and other fuels............... 105 e/ 36 74 90 154 193 131 Telephone services..................... 1,021 835 904 1,041 1,137 1,098 966 Water and other public services........ 386 146 316 404 441 458 481 Household operations..................... 1,103 588 1,314 1,250 838 604 655 Personal services...................... 712 516 1,094 837 252 204 e/ 172 Other household expenses............... 391 72 220 413 585 400 482 Housekeeping supplies.................... 669 384 478 785 729 866 472 Laundry and cleaning supplies.......... 168 116 138 175 193 175 198 Other household products............... 344 131 230 423 372 460 211 Postage and stationery................. 157 137 111 186 163 231 63 Household furnishings and equipment...... 1,936 853 1,510 2,103 2,412 1,883 1,281 Household textiles..................... 144 37 104 123 218 293 140 Furniture.............................. 526 253 441 600 568 468 321 Floor coverings........................ 58 e/ 20 33 75 71 e/ 41 e/ 2 Major appliances....................... 216 117 167 229 247 241 292 Small appliances, miscellaneous housewares............................ 100 50 84 90 151 110 43 Miscellaneous household equipment...... 893 377 681 985 1,157 729 484 Apparel and services........................ 2,544 1,458 2,171 2,789 3,006 2,087 1,329 Men and boys............................. 654 351 538 722 793 558 289 Men, 16 and over....................... 421 268 312 410 622 484 e/ 171 Boys, 2 to 15.......................... 233 83 225 313 171 74 119 Women and girls.......................... 968 393 779 1,080 1,211 686 527 Women, 16 and over..................... 692 302 508 748 939 589 417 Girls, 2 to 15......................... 276 91 271 332 272 97 110 Children under 2......................... 128 150 211 124 47 e/ 136 e/ 50 Footwear................................. 451 365 406 489 486 408 e/ 300 Other apparel products and services...... 343 200 237 374 469 299 162 Transportation.............................. 9,342 6,072 7,620 9,719 10,939 11,180 7,760 Vehicle purchases (net outlay)........... 4,511 3,345 3,930 4,713 4,777 6,215 e/ 3,049 Cars and trucks, new................... 1,951 e/ 21 1,181 2,396 1,937 3,554 e/ 1,844 Cars and trucks, used.................. 2,502 3,288 2,616 2,292 2,785 2,640 1,205 Other vehicles......................... 58 e/ 37 133 e/ 25 e/ 55 e/ 21 d/ Gasoline and motor oil................... 1,408 934 1,155 1,437 1,725 1,406 1,429 Other vehicle expenses................... 2,997 1,611 2,331 3,146 3,739 2,993 2,874 Vehicle finance charges................ 489 344 471 479 578 457 357 Maintenance and repairs................ 840 472 602 921 1,047 749 861 Vehicle insurance...................... 999 610 697 979 1,387 1,215 1,106 Vehicle rental, leases, licenses, other charges.............................. 669 186 559 768 727 572 550 Public transportation.................... 426 182 205 422 698 565 407 Health care................................. 2,066 994 1,503 2,092 2,695 2,235 2,934 Health insurance......................... 990 366 809 994 1,181 1,167 1,534 Medical services......................... 674 478 474 649 979 633 797 Drugs.................................... 281 123 157 312 353 327 519 Medical supplies......................... 121 27 64 136 182 108 85 Entertainment............................... 2,556 1,115 1,950 2,835 3,156 2,337 1,650 Fees and admissions...................... 614 148 353 719 863 504 332 Television, radios, sound equipment...... 817 562 693 845 949 862 736 Pets, toys, and playground equipment..... 510 276 470 558 540 481 344 Other entertainment supplies, equipment,and services.................. 615 128 435 713 805 490 238 Personal care products and services......... 514 330 356 553 663 711 276 Reading..................................... 182 53 119 188 255 209 199 Education................................... 925 425 445 820 1,690 1,459 576 Tobacco products and smoking supplies....... 363 366 351 360 370 433 304 Miscellaneous............................... 1,026 402 839 1,063 1,110 1,322 1,723 Cash contributions.......................... 941 e/ 204 610 902 1,269 1,267 2,238 Personal insurance and pensions............. 4,952 1,477 3,821 5,469 6,398 4,344 1,937 Life and other personal insurance........ 598 62 355 611 927 729 509 Pensions and Social Security............. 4,354 1,415 3,466 4,858 5,472 3,615 1,427 Sources of income and personal taxes: a/ Money income before taxes.................. 58,345 24,663 44,950 63,253 73,248 57,196 38,125 Wages and salaries....................... 51,796 20,248 41,187 57,425 65,437 44,628 13,792 Self-employment income................... 3,207 e/ 1,697 2,120 3,425 4,032 6,012 e/ 450 Social Security, private and government retirement................... 1,592 e/ 192 341 553 1,940 4,497 21,682 Interest, dividends, rental income, other property income................... 461 e/ 33 131 533 621 694 1,228 Unemployment and workers'' compensation, veterans'' benefits..................... 256 e/ 120 230 269 313 e/ 199 e/ 148 Public assistance, supplemental security, income, food stamps..................... 421 1,620 522 249 384 627 567 Regular contributions for support........ 264 e/ 259 258 297 262 e/ 56 e/ 215 Other income............................. 348 e/ 494 160 500 259 e/ 482 e/ 44 Personal taxes............................. 4,390 582 2,684 4,590 6,639 6,159 1,534 Federal income taxes..................... 3,372 375 1,961 3,505 5,180 5,250 940 State and local income taxes............. 814 200 626 866 1,169 598 258 Other taxes.............................. 204 e/ 6 97 219 291 312 337 Income after taxes......................... 53,956 24,081 42,266 58,663 66,609 51,036 36,591 Net change in total assets and liabilities... -2,829 2,180 -3,792 -2,728 -1,942 -7,851 578 Net change in total assets............... 8,374 5,798 6,201 11,552 6,947 3,237 4,795 Net change in total liabilities.......... 11,203 3,618 9,993 14,281 8,889 11,088 4,218 Other financial information: Other money receipts..................... 366 e/ 5 246 330 380 1,292 e/ 591 Mortgage principal paid on owned property................................ -1,893 -129 -1,082 -2,034 -2,948 -2,002 -1,043 Estimated market value of owned home..... 106,527 19,467 64,597 118,193 140,668 131,131 111,672 Estimated monthly rental value of owned home.................................... 727 145 510 797 923 819 699 Gifts of goods and services................. 1,019 387 563 988 1,690 1,331 879 Food..................................... 82 e/ 2 31 60 213 61 e/ 13 Housing.................................. 339 98 248 335 498 496 184 Housekeeping supplies.................. 52 e/ 9 35 75 42 64 e/ 20 Household textiles..................... 21 e/ 2 16 9 15 e/ 235 e/ 13 Appliances and miscellaneous housewares........................... 25 e/ 5 24 23 36 e/ 21 e/ 23 Major appliances..................... 5 d/ e/ 6 e/ 2 6 e/ 7 e/ 20 Small appliances and miscellaneous housewares......................... 21 e/ 5 18 21 30 e/ 14 e/ 3 Miscellaneous household equipment...... 65 e/ 4 33 85 82 70 44 Other housing.......................... 175 78 140 143 321 106 e/ 83 Apparel and services..................... 229 135 166 259 260 268 212 Males, 2 and over...................... 58 e/ 13 45 60 77 40 e/ 69 Females, 2 and over.................... 89 e/ 63 44 120 88 71 e/ 101 Children under 2....................... 43 e/ 19 40 52 28 e/ 86 e/ 40 Other apparel products and services.... 40 e/ 39 37 26 67 e/ 70 e/ 1 Jewelry and watches.................. 13 e/ 10 8 12 22 e/ 32 e/ 1 All other apparel products and services............................ 26 e/ 30 e/ 29 15 45 e/ 38 d/ Transportation........................... 30 e/ 3 13 19 75 23 33 Health care.............................. 14 e/ 4 e/ 2 12 32 e/ 26 e/ 20 Entertainment............................ 82 e/ 76 47 74 116 153 e/ 109 Toys, games, hobbies, and tricycles.... 27 e/ 35 20 25 30 50 e/ 39 Other entertainment.................... 55 e/ 42 28 49 86 103 e/ 70 Education................................ 133 e/ 9 14 110 325 e/ 146 e/ 205 All other gifts.......................... 110 61 42 119 171 158 104 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. n.a. Not applicable.