Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001 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)...... 110,339 8,598 18,515 24,422 22,317 14,549 21,938 11,342 10,596 Income before taxes a/ ...................... $47,507 $20,769 $49,424 $58,902 $61,093 $51,965 $27,528 $32,365 $22,255 Income after taxes a/ ....................... 44,587 20,330 46,490 55,326 56,499 48,433 26,414 30,801 21,631 Age of the reference person.................. 48.1 21.4 29.8 39.6 49.4 59.2 75.0 69.3 81.1 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 .3 1.1 1.4 .6 .2 .1 .1 b/ Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.4 1.4 1.3 Earners..................................... 1.4 1.3 1.5 1.7 1.8 1.3 .4 .6 .3 Vehicles.................................... 1.9 1.2 1.8 2.1 2.4 2.3 1.5 1.8 1.2 Percent distribution: Male........................................ 51 48 54 51 54 56 46 51 40 Female...................................... 49 52 46 49 46 44 54 49 60 Homeowner................................... 66 13 48 68 77 81 80 82 78 With mortgage.............................. 40 6 40 57 56 42 18 25 10 Without mortgage........................... 26 6 9 11 21 38 62 57 68 Renter...................................... 34 87 52 32 23 19 20 18 22 Black....................................... 12 12 14 14 12 11 9 11 6 White and other............................. 88 88 86 86 88 89 91 89 94 Elementary (1-8)............................ 6 1 3 3 4 6 14 11 17 High school (9-12).......................... 38 29 34 38 34 41 48 49 48 College..................................... 56 70 62 59 61 53 37 40 35 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 88 72 89 92 92 92 82 87 76 Average annual expenditures.................. $39,518 $23,526 $39,451 $46,908 $47,930 $41,462 $27,714 $32,023 $23,099 Food........................................ 5,321 3,724 5,214 6,242 6,451 5,442 3,749 4,209 3,255 Food at home............................. 3,086 1,857 2,936 3,589 3,659 3,238 2,435 2,597 2,261 Cereals and bakery products............ 452 276 419 535 522 463 377 386 367 Cereals and cereal products.......... 156 112 160 188 176 147 122 124 119 Bakery products...................... 296 164 259 348 347 315 255 262 248 Meats, poultry, fish, and eggs......... 828 472 791 948 999 898 641 697 581 Beef................................. 248 147 241 274 308 266 191 215 166 Pork................................. 177 88 167 196 211 205 148 161 134 Other meats.......................... 102 60 91 127 124 103 77 80 74 Poultry.............................. 152 93 153 181 182 154 108 113 102 Fish and seafood..................... 114 59 107 131 134 134 87 97 77 Eggs................................. 35 25 33 39 40 36 30 31 28 Dairy products......................... 332 194 317 400 388 340 257 274 238 Fresh milk and cream................. 136 84 137 164 156 126 108 112 104 Other dairy products................. 196 110 181 236 232 215 148 161 134 Fruits and vegetables.................. 522 295 478 585 607 555 468 493 440 Fresh fruits......................... 160 85 142 178 187 173 151 161 140 Fresh vegetables..................... 162 86 148 176 193 183 141 155 125 Processed fruits..................... 116 78 110 136 128 112 105 104 106 Processed vegetables................. 84 46 78 95 99 88 72 73 70 Other food at home..................... 952 620 931 1,120 1,142 982 693 748 634 Sugar and other sweets............... 116 59 104 140 134 127 96 100 91 Fats and oils........................ 87 50 81 96 106 91 73 79 66 Miscellaneous foods.................. 455 325 475 533 538 448 318 326 310 Nonalcoholic beverages............... 256 168 243 307 319 265 175 197 150 Food prepared by consumer unit on out-of-town trips................... 38 18 29 44 45 51 32 46 16 Food away from home.................... 2,235 1,867 2,277 2,653 2,792 2,204 1,314 1,612 994 Alcoholic beverages......................... 349 379 393 413 396 322 192 233 148 Housing..................................... 13,011 7,585 13,828 15,870 15,026 12,802 9,354 10,629 7,988 Shelter.................................. 7,602 4,862 8,544 9,529 8,824 7,067 4,844 5,592 4,045 Owned dwellings........................ 4,979 778 4,641 6,784 6,498 5,122 3,258 4,020 2,442 Mortgage interest and charges........ 2,862 434 3,129 4,533 3,935 2,539 849 1,252 418 Property taxes....................... 1,233 257 833 1,393 1,528 1,434 1,343 1,512 1,163 Maintenance, repairs, insurance,other expenses............................ 884 86 680 859 1,035 1,150 1,066 1,256 862 Rented dwellings....................... 2,134 3,786 3,655 2,261 1,632 1,187 1,201 998 1,418 Other lodging.......................... 489 298 248 484 694 758 386 574 184 Utilities, fuels, and public services.... 2,767 1,369 2,606 3,111 3,192 2,998 2,481 2,699 2,246 Natural gas............................ 411 142 360 457 466 445 428 435 420 Electricity............................ 1,009 483 914 1,145 1,149 1,108 934 1,010 851 Fuel oil and other fuels............... 112 22 63 108 135 150 146 155 136 Telephone services..................... 914 629 1,001 1,035 1,072 926 652 746 551 Water and other public services........ 321 93 267 366 371 369 321 353 287 Household operations..................... 676 237 775 942 570 491 700 723 675 Personal services...................... 291 140 533 536 141 85 162 94 234 Other household expenses............... 385 97 242 406 428 406 538 628 441 Housekeeping supplies.................... 509 215 430 576 638 593 430 481 375 Laundry and cleaning supplies.......... 131 80 130 147 152 148 102 120 82 Other household products............... 255 80 197 312 337 296 199 223 174 Postage and stationery................. 122 55 103 117 148 149 129 138 119 Household furnishings and equipment...... 1,458 902 1,473 1,712 1,802 1,653 899 1,135 647 Household textiles..................... 114 37 90 127 153 149 88 116 57 Furniture.............................. 372 253 439 446 451 353 212 269 151 Floor coverings........................ 40 7 22 51 59 49 33 49 16 Major appliances....................... 178 72 200 192 211 192 143 160 124 Small appliances, miscellaneous housewares............................ 87 39 67 101 112 121 58 75 40 Miscellaneous household equipment...... 667 494 655 795 816 789 366 466 259 Apparel and services........................ 1,743 1,197 1,922 2,110 2,337 1,575 891 1,151 611 Men and boys............................. 423 293 458 522 597 366 193 265 116 Men, 16 and over....................... 335 262 349 345 502 335 170 228 108 Boys, 2 to 15.......................... 88 31 109 177 95 30 23 37 8 Women and girls.......................... 677 395 634 812 930 684 408 530 278 Women, 16 and over..................... 562 359 488 576 822 634 378 490 257 Girls, 2 to 15......................... 115 36 146 237 108 51 30 40 20 Children under 2......................... 81 103 165 99 66 51 16 24 7 Footwear................................. 302 203 361 377 395 250 143 171 113 Other apparel products and services...... 259 202 303 301 348 224 131 161 98 Transportation.............................. 7,633 4,834 8,173 9,202 9,355 8,093 4,470 5,679 3,177 Vehicle purchases (net outlay)........... 3,579 2,463 3,920 4,463 4,319 3,778 1,859 2,477 1,196 Cars and trucks, new................... 1,685 710 1,533 2,143 2,013 2,107 1,073 1,387 737 Cars and trucks, used.................. 1,848 1,713 2,335 2,259 2,249 1,615 780 1,079 460 Other vehicles......................... 46 d/ 41 52 61 57 d/ 56 d/ 6 d/ 11 e/ Gasoline and motor oil................... 1,279 867 1,324 1,518 1,586 1,343 783 994 558 Other vehicle expenses................... 2,375 1,277 2,563 2,798 2,998 2,473 1,475 1,751 1,180 Vehicle finance charges................ 359 236 471 451 440 364 127 186 64 Maintenance and repairs................ 662 358 605 820 837 677 464 526 398 Vehicle insurance...................... 819 449 822 885 1,032 899 620 699 536 Vehicle rental, leases, licenses, other charges.............................. 534 234 665 642 689 533 264 341 182 Public transportation.................... 400 226 365 423 452 498 353 455 243 Health care................................. 2,182 530 1,286 1,879 2,265 2,703 3,493 3,583 3,397 Health insurance......................... 1,061 251 695 925 1,038 1,189 1,775 1,759 1,792 Medical services......................... 573 135 354 573 676 769 693 866 507 Drugs.................................... 449 107 182 304 432 604 884 809 965 Medical supplies......................... 100 37 55 77 119 141 142 150 133 Entertainment............................... 1,953 1,152 2,001 2,508 2,233 2,337 1,067 1,296 822 Fees and admissions...................... 526 289 492 707 635 588 295 379 207 Television, radios, sound equipment...... 660 506 698 787 781 642 433 500 361 Pets, toys, and playground equipment..... 337 164 346 439 404 409 169 206 129 Other entertainment supplies, equipment,and services.................. 430 192 464 575 413 698 169 211 125 Personal care products and services......... 485 307 452 525 585 542 396 441 347 Reading..................................... 141 60 111 136 172 183 144 159 128 Education................................... 648 1,511 477 669 1,036 438 173 201 143 Tobacco products and smoking supplies....... 308 265 320 379 374 333 154 217 87 Miscellaneous............................... 750 319 566 740 900 815 891 1,189 571 Cash contributions.......................... 1,258 268 771 1,263 1,575 1,478 1,583 1,441 1,734 Personal insurance and pensions............. 3,737 1,395 3,938 4,971 5,224 4,401 1,157 1,594 690 Life and other personal insurance........ 410 51 239 423 545 653 384 499 262 Pensions and Social Security............. 3,326 1,344 3,700 4,548 4,679 3,747 773 1,096 428 Sources of income and personal taxes: a/ Money income before taxes.................. 47,507 20,769 49,424 58,902 61,093 51,965 27,528 32,365 22,255 Wages and salaries....................... 38,334 17,650 46,301 53,591 53,952 38,830 6,967 10,880 2,702 Self-employment income................... 2,231 497 1,618 2,759 3,288 3,559 954 1,211 674 Social Security, private and government retirement................... 4,963 153 374 870 1,809 7,139 17,125 17,611 16,596 Interest, dividends, rental income, other property income................... 951 652 188 520 982 1,412 1,878 1,963 1,784 Unemployment and workers'' compensation, veterans'' benefits..................... 171 53 150 246 166 309 70 96 42 Public assistance, supplemental security, income, food stamps..................... 384 280 304 419 436 466 349 374 322 Regular contributions for support........ 315 940 282 363 344 193 89 110 65 Other income............................. 158 544 206 133 116 57 96 120 69 Personal taxes............................. 2,920 439 2,934 3,576 4,594 3,532 1,114 1,564 624 Federal income taxes..................... 2,237 319 2,266 2,776 3,538 2,642 824 1,182 433 State and local income taxes............. 555 114 610 668 885 688 142 203 74 Other taxes.............................. 129 7 57 132 170 202 149 179 117 Income after taxes......................... 44,587 20,330 46,490 55,326 56,499 48,433 26,414 30,801 21,631 Net change in total assets and liabilities... -2,059 235 -5,226 -5,109 -1,757 -4,967 4,730 8,624 561 Net change in total assets............... 5,678 3,664 7,943 6,572 6,309 185 6,562 11,142 1,658 Net change in total liabilities.......... 7,737 3,429 13,168 11,681 8,066 5,152 1,832 2,518 1,097 Other financial information: Other money receipts..................... 372 243 151 365 446 404 520 477 565 Mortgage principal paid on owned property................................ -1,397 -141 -1,135 -1,789 -2,161 -1,753 -661 -1,048 -248 Estimated market value of owned home..... 103,975 12,743 66,630 109,140 124,791 127,027 129,037 154,964 101,286 Estimated monthly rental value of owned home.................................... 690 110 505 758 849 838 736 774 697 Gifts of goods and services................. 1,012 470 605 897 1,617 1,403 822 972 661 Food..................................... 69 23 28 53 156 98 31 26 37 Alcoholic beverages...................... 14 10 13 21 17 9 9 6 13 Housing.................................. 258 132 199 222 369 372 211 249 169 Housekeeping supplies.................. 41 20 37 41 47 64 32 33 32 Household textiles..................... 14 d/ 5 11 7 17 25 18 25 10 Appliances and miscellaneous housewares........................... 25 8 18 22 35 47 19 23 15 Major appliances..................... 6 d/ 1 7 3 10 12 5 5 5 Small appliances and miscellaneous housewares......................... 19 6 12 19 25 35 14 18 10 Miscellaneous household equipment...... 59 39 40 56 79 93 45 56 32 Other housing.......................... 119 61 92 97 191 144 97 112 81 Apparel and services..................... 237 150 187 233 311 339 174 224 120 Males, 2 and over...................... 61 49 39 46 87 79 65 87 40 Females, 2 and over.................... 89 29 55 87 129 150 64 75 52 Children under 2....................... 42 30 55 45 54 46 15 23 7 Other apparel products and services.... 45 42 38 56 42 65 30 39 21 Jewelry and watches.................. 17 23 21 23 13 16 10 13 6 All other apparel products and services............................ 28 d/ 20 17 33 29 49 20 26 d/ 15 Transportation........................... 70 7 32 75 97 92 79 88 70 Health care.............................. 35 d/ 5 9 25 36 53 66 104 26 Entertainment............................ 74 51 65 69 101 93 56 73 39 Toys, games, hobbies, and tricycles.... 30 13 22 28 35 52 25 37 12 Other entertainment.................... 44 38 43 40 66 41 32 36 26 Personal care products and services...... 21 15 11 17 26 47 12 10 14 Reading.................................. 1 c/ 1 1 1 2 2 3 2 Education................................ 160 55 22 120 414 202 76 46 108 All other gifts.......................... 73 21 39 63 88 96 104 143 63 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.