Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000 All Under 65 and 75 and Item consumer 25 25-34 35-44 45-54 55-64 over 65-74 over units Number of consumer units (in thousands)...... 109,367 8,306 18,887 23,983 21,874 14,161 22,155 11,538 10,617 Income before taxes a/ ...................... $44,649 $19,744 $45,498 $56,500 $58,889 $48,108 $25,220 $29,349 $20,563 Income after taxes a/ ....................... 41,532 18,813 42,665 52,626 54,149 44,109 23,890 27,553 19,759 Age of the reference person.................. 48.2 21.3 29.8 39.5 49.4 59.1 75.0 69.4 81.2 Average number in consumer unit: Persons..................................... 2.5 1.9 2.9 3.3 2.7 2.1 1.7 1.9 1.5 Children under 18........................... .7 .4 1.1 1.3 .6 .2 .1 .1 b/ Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.3 1.4 1.3 Earners..................................... 1.4 1.3 1.5 1.7 1.8 1.4 .4 .6 .2 Vehicles.................................... 1.9 1.1 1.8 2.2 2.4 2.2 1.5 1.8 1.1 Percent distribution: Male........................................ 53 46 54 54 57 57 46 52 41 Female...................................... 47 54 46 46 43 43 54 48 59 Homeowner................................... 66 12 46 69 75 81 80 82 77 With mortgage.............................. 39 7 39 56 53 40 16 23 9 Without mortgage........................... 27 5 7 13 22 41 63 59 68 Renter...................................... 34 88 54 31 25 19 20 18 23 Black....................................... 12 13 15 13 13 11 9 10 7 White and other............................. 88 87 85 87 87 89 91 90 93 Elementary (1-8)............................ 6 2 3 3 4 8 15 10 20 High school (9-12).......................... 39 33 35 39 34 43 48 49 48 College..................................... 54 65 62 58 62 49 36 40 31 Never attended and other.................... c/ c/ c/ c/ c/ c/ 1 1 1 At least one vehicle owned or leased........ 88 71 89 92 92 92 81 87 75 Average annual expenditures.................. $38,045 $22,543 $38,945 $45,149 $46,160 $39,340 $26,533 $30,782 $21,908 Food........................................ 5,158 3,213 5,260 6,092 6,295 5,168 3,652 4,178 3,077 Food at home............................. 3,021 1,643 2,951 3,484 3,657 3,071 2,448 2,760 2,106 Cereals and bakery products............ 453 238 429 531 560 441 376 414 334 Cereals and cereal products.......... 156 90 167 190 180 140 123 133 112 Bakery products...................... 297 148 263 341 380 301 253 281 222 Meats, poultry, fish, and eggs......... 795 437 770 918 970 832 626 727 515 Beef................................. 238 135 239 270 296 243 182 217 144 Pork................................. 167 89 155 186 198 186 143 168 116 Other meats.......................... 101 55 98 120 121 99 79 86 70 Poultry.............................. 145 86 145 178 169 146 108 130 84 Fish and seafood..................... 110 52 102 126 146 115 84 95 73 Eggs................................. 34 21 30 37 40 43 30 32 28 Dairy products......................... 325 175 317 383 377 321 275 310 236 Fresh milk and cream................. 131 73 134 157 146 126 112 118 104 Other dairy products................. 193 101 183 226 232 195 163 192 132 Fruits and vegetables.................. 521 253 488 552 626 558 495 529 457 Fresh fruits......................... 163 77 146 169 187 185 169 164 175 Fresh vegetables..................... 159 74 148 164 201 173 146 162 128 Processed fruits..................... 115 62 113 125 133 115 109 119 97 Processed vegetables................. 84 41 82 92 105 87 71 84 57 Other food at home..................... 927 541 946 1,101 1,124 918 676 779 563 Sugar and other sweets............... 117 60 105 147 143 115 93 105 80 Fats and oils........................ 83 42 77 90 102 90 74 87 60 Miscellaneous foods.................. 437 271 485 518 528 398 304 348 256 Nonalcoholic beverages............... 250 147 247 300 300 263 176 199 151 Food prepared by consumer unit on out-of-town trips................... 40 19 31 46 52 52 29 40 17 Food away from home.................... 2,137 1,569 2,309 2,607 2,638 2,097 1,205 1,418 971 Alcoholic beverages......................... 372 392 431 420 417 371 211 261 155 Housing..................................... 12,319 7,109 13,050 15,111 14,179 12,362 8,759 9,671 7,766 Shelter.................................. 7,114 4,574 7,905 8,930 8,297 6,587 4,597 5,114 4,034 Owned dwellings........................ 4,602 634 4,142 6,433 5,964 4,780 3,043 3,619 2,418 Mortgage interest and charges........ 2,639 386 2,888 4,302 3,558 2,278 793 1,179 375 Property taxes....................... 1,139 176 755 1,246 1,471 1,462 1,175 1,272 1,070 Maintenance, repairs, insurance,other expenses............................ 825 72 499 884 935 1,040 1,075 1,168 973 Rented dwellings....................... 2,034 3,618 3,514 2,067 1,614 1,123 1,140 952 1,344 Other lodging.......................... 478 322 248 430 719 685 413 543 272 Utilities, fuels, and public services.... 2,489 1,248 2,341 2,810 2,857 2,756 2,198 2,438 1,937 Natural gas............................ 307 102 273 350 344 341 310 318 301 Electricity............................ 911 444 826 1,009 1,045 1,048 834 921 740 Fuel oil and other fuels............... 97 21 58 97 109 113 137 151 121 Telephone services..................... 877 589 950 1,018 1,007 909 620 720 511 Water and other public services........ 296 91 234 336 352 345 298 328 264 Household operations..................... 684 226 871 896 583 542 661 498 839 Personal services...................... 326 154 641 542 147 93 215 99 340 Other household expenses............... 358 72 230 354 435 449 446 399 498 Housekeeping supplies.................... 482 194 437 570 532 585 421 511 322 Laundry and cleaning supplies.......... 131 55 125 157 137 184 95 110 79 Other household products............... 226 89 201 280 247 262 196 241 146 Postage and stationery................. 126 50 112 133 147 139 130 160 97 Household furnishings and equipment...... 1,549 867 1,495 1,906 1,911 1,891 882 1,110 634 Household textiles..................... 106 35 120 124 125 125 73 101 43 Furniture.............................. 391 270 457 499 471 361 201 256 141 Floor coverings........................ 44 6 42 53 51 56 38 40 36 Major appliances....................... 189 77 181 212 223 221 160 196 122 Small appliances, miscellaneous housewares............................ 87 50 78 93 126 106 54 68 39 Miscellaneous household equipment...... 731 429 617 926 915 1,022 356 450 254 Apparel and services........................ 1,856 1,420 2,059 2,323 2,371 1,694 925 1,130 701 Men and boys............................. 440 320 511 551 577 395 196 269 117 Men, 16 and over....................... 344 294 368 367 482 352 177 240 108 Boys, 2 to 15.......................... 96 26 143 184 95 42 19 29 9 Women and girls.......................... 725 435 704 935 977 687 400 451 343 Women, 16 and over..................... 607 405 561 692 850 630 378 421 331 Girls, 2 to 15......................... 118 31 144 242 126 57 22 31 12 Children under 2......................... 82 101 165 105 54 53 20 31 8 Footwear................................. 343 363 394 401 438 300 159 186 130 Other apparel products and services...... 266 201 285 331 325 259 150 192 103 Transportation.............................. 7,417 5,189 8,357 8,702 8,827 7,842 4,397 5,797 2,875 Vehicle purchases (net outlay)........... 3,418 2,628 4,139 3,996 3,863 3,623 1,904 2,631 1,114 Cars and trucks, new................... 1,605 1,061 1,845 1,724 1,690 2,097 1,076 1,447 673 Cars and trucks, used.................. 1,770 1,547 2,217 2,198 2,128 1,508 823 1,173 441 Other vehicles......................... 43 d/ 20 77 74 45 d/ 18 d/ 5 d/ 10 e/ Gasoline and motor oil................... 1,291 947 1,341 1,577 1,592 1,349 735 958 491 Other vehicle expenses................... 2,281 1,397 2,482 2,677 2,868 2,375 1,374 1,766 947 Vehicle finance charges................ 328 228 436 406 391 349 115 182 43 Maintenance and repairs................ 624 442 570 708 801 672 441 558 314 Vehicle insurance...................... 778 449 774 884 1,002 796 557 673 431 Vehicle rental, leases, licenses, other charges.............................. 551 278 701 680 674 559 260 353 159 Public transportation.................... 427 216 395 451 505 495 385 442 322 Health care................................. 2,066 504 1,256 1,774 2,200 2,508 3,247 3,163 3,338 Health insurance......................... 983 211 640 850 976 1,132 1,619 1,608 1,631 Medical services......................... 568 178 367 555 699 721 672 686 658 Drugs.................................... 416 81 181 284 407 538 822 744 908 Medical supplies......................... 99 34 69 85 118 117 133 126 141 Entertainment............................... 1,863 1,091 1,876 2,464 2,231 1,955 1,069 1,403 707 Fees and admissions...................... 515 271 460 715 637 509 319 416 214 Television, radios, sound equipment...... 622 473 680 789 696 581 399 468 325 Pets, toys, and playground equipment..... 334 173 351 451 384 358 187 262 104 Other entertainment supplies, equipment,and services.................. 393 175 385 509 514 507 164 257 63 Personal care products and services......... 564 345 576 644 682 569 426 479 368 Reading..................................... 146 57 118 151 178 179 148 166 128 Education................................... 632 1,257 585 615 1,146 380 108 149 63 Tobacco products and smoking supplies....... 319 237 310 427 376 349 163 223 99 Miscellaneous............................... 776 322 804 852 927 824 661 761 553 Cash contributions.......................... 1,192 189 648 1,003 1,537 1,301 1,828 2,022 1,618 Personal insurance and pensions............. 3,365 1,216 3,614 4,570 4,795 3,838 939 1,379 460 Life and other personal insurance........ 399 54 242 412 549 587 378 514 230 Pensions and Social Security............. 2,966 1,162 3,373 4,158 4,246 3,252 561 865 231 Sources of income and personal taxes: a/ Money income before taxes.................. 44,649 19,744 45,498 56,500 58,889 48,108 25,220 29,349 20,563 Wages and salaries....................... 35,579 16,908 42,770 50,870 50,826 35,544 5,872 9,174 2,147 Self-employment income................... 2,344 1,130 1,099 2,977 3,893 3,916 811 860 757 Social Security, private and government retirement................... 4,856 337 511 819 1,913 6,723 16,187 17,011 15,259 Interest, dividends, rental income, other property income................... 927 78 176 632 1,110 1,153 1,895 1,810 1,991 Unemployment and workers'' compensation, veterans'' benefits..................... 192 65 137 268 287 179 124 159 83 Public assistance, supplemental security, income, food stamps..................... 310 283 346 366 302 361 206 208 203 Regular contributions for support........ 309 550 338 462 357 149 82 81 d/ 83 Other income............................. 133 393 122 107 200 81 43 46 40 Personal taxes............................. 3,117 931 2,833 3,874 4,740 3,999 1,330 1,796 804 Federal income taxes..................... 2,409 696 2,205 3,014 3,707 3,062 979 1,338 574 State and local income taxes............. 562 226 570 734 848 702 145 200 83 Other taxes.............................. 146 9 58 126 185 235 205 257 147 Income after taxes......................... 41,532 18,813 42,665 52,626 54,149 44,109 23,890 27,553 19,759 Net change in total assets and liabilities... 457 -280 -1,121 -2,455 5,751 -482 602 704 492 Net change in total assets............... 6,016 2,111 8,871 6,772 11,061 2,448 1,529 2,140 865 Net change in total liabilities.......... 5,560 2,391 9,992 9,227 5,311 2,931 927 1,436 373 Other financial information: Other money receipts..................... 594 149 457 502 445 1,375 627 1,045 172 Mortgage principal paid on owned property................................ -1,172 -135 -788 -1,614 -1,802 -1,447 -612 -972 -221 Estimated market value of owned home..... 92,665 12,323 57,818 102,668 115,545 115,703 104,351 117,708 89,836 Estimated monthly rental value of owned home.................................... 629 96 442 707 769 754 684 717 647 Gifts of goods and services................. 1,083 597 716 1,001 1,724 1,345 866 968 755 Food..................................... 70 11 32 67 137 121 29 29 29 Alcoholic beverages...................... 14 6 27 18 17 10 5 3 6 Housing.................................. 291 143 215 274 428 335 268 268 269 Housekeeping supplies.................. 39 27 36 46 43 45 31 37 24 Household textiles..................... 13 d/ 3 8 12 21 23 9 12 5 Appliances and miscellaneous housewares........................... 28 10 19 26 42 38 25 31 18 Major appliances..................... 8 d/ 1 d/ 4 4 16 9 9 11 d/ 6 Small appliances and miscellaneous housewares......................... 21 9 15 22 26 29 16 20 12 Miscellaneous household equipment...... 70 30 46 73 98 81 69 93 42 Other housing.......................... 140 73 106 117 224 147 134 94 178 Apparel and services..................... 244 143 220 279 314 296 163 209 113 Males, 2 and over...................... 68 33 57 65 90 107 45 53 37 Females, 2 and over.................... 85 46 66 101 131 84 57 69 42 Children under 2....................... 41 23 50 53 43 48 18 27 7 Other apparel products and services.... 51 42 48 59 50 57 44 59 27 Jewelry and watches.................. 20 11 18 18 17 29 25 35 14 All other apparel products and services............................ 30 d/ 30 29 40 33 29 19 24 d/ 13 Transportation........................... 70 166 32 44 93 122 40 57 21 Health care.............................. 38 d/ 1 9 13 40 45 98 108 87 Entertainment............................ 94 32 81 102 106 124 86 113 57 Toys, games, hobbies, and tricycles.... 30 11 27 26 31 51 28 40 16 Other entertainment.................... 64 21 54 77 76 73 58 73 41 Personal care products and services...... 19 12 16 32 21 25 5 7 2 Reading.................................. 2 c/ 1 1 2 3 3 4 3 Education................................ 151 55 41 100 463 125 44 44 44 All other gifts.......................... 89 26 43 70 103 141 125 127 124 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 Data are likely to have large sampling errors. e No data reported.