Table 4500. Selected age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001 All Under 30 and Under 50 and Under 55 and Under 65 and Item consumer 30 over 50 over 55 over 65 over units Number of consumer units (in thousands)...... 110,339 16,838 93,501 63,094 47,245 73,853 36,486 88,401 21,938 Income before taxes a/ ...................... $47,507 $32,187 $50,368 $51,190 $42,479 $52,568 $37,185 $52,470 $27,528 Income after taxes a/ ....................... 44,587 30,811 47,160 47,982 39,952 49,231 35,115 49,101 26,414 Age of the reference person.................. 48.1 24.2 52.4 35.6 64.9 38.0 68.7 41.5 75.0 Average number in consumer unit: Persons..................................... 2.5 2.2 2.6 2.9 2.0 2.8 1.9 2.7 1.7 Children under 18........................... .7 .6 .7 1.0 .2 .9 .1 .8 .1 Persons 65 and over......................... .3 b/ .3 b/ .7 b/ .8 b/ 1.4 Earners..................................... 1.4 1.4 1.3 1.6 1.0 1.6 .8 1.6 .4 Vehicles.................................... 1.9 1.4 2.0 1.9 1.9 2.0 1.8 2.1 1.5 Percent distribution: Male........................................ 51 51 52 52 51 52 50 53 46 Female...................................... 49 49 48 48 49 48 50 47 54 Homeowner................................... 66 26 73 56 80 59 80 63 80 With mortgage.............................. 40 19 44 45 34 46 27 46 18 Without mortgage........................... 26 7 30 11 46 13 53 17 62 Renter...................................... 34 74 27 44 20 41 20 37 20 Black....................................... 12 14 12 14 10 13 9 13 9 White and other............................. 88 86 88 86 90 87 91 87 91 Elementary (1-8)............................ 6 2 6 3 9 3 11 4 14 High school (9-12).......................... 38 32 40 35 43 35 45 36 48 College..................................... 56 66 54 62 48 62 43 60 37 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 88 80 89 88 87 89 86 89 82 Average annual expenditures.................. $39,518 $29,807 $41,267 $41,916 $36,286 $42,621 $33,202 $42,432 $27,714 Food........................................ 5,321 4,329 5,499 5,651 4,862 5,753 4,427 5,702 3,749 Food at home............................. 3,086 2,311 3,225 3,187 2,944 3,244 2,757 3,243 2,435 Cereals and bakery products............ 452 332 474 469 429 472 411 470 377 Cereals and cereal products.......... 156 132 161 168 140 168 132 165 122 Bakery products...................... 296 201 313 300 289 304 279 306 255 Meats, poultry, fish, and eggs......... 828 617 866 845 804 868 744 873 641 Beef................................. 248 195 258 253 241 261 221 262 191 Pork................................. 177 124 187 174 181 181 171 184 148 Other meats.......................... 102 74 107 108 94 109 88 108 77 Poultry.............................. 152 118 158 161 140 164 126 163 108 Fish and seafood..................... 114 77 120 114 113 117 106 120 87 Eggs................................. 35 28 36 36 34 36 32 36 30 Dairy products......................... 332 243 348 346 311 352 290 350 257 Fresh milk and cream................. 136 103 142 143 125 146 115 142 108 Other dairy products................. 196 139 206 203 186 206 175 207 148 Fruits and vegetables.................. 522 380 547 518 527 531 503 535 468 Fresh fruits......................... 160 110 170 155 168 161 159 163 151 Fresh vegetables..................... 162 116 170 160 164 164 158 167 141 Processed fruits..................... 116 94 120 119 112 120 107 119 105 Processed vegetables................. 84 60 88 84 83 86 78 87 72 Other food at home..................... 952 740 990 1,008 873 1,021 809 1,015 693 Sugar and other sweets............... 116 78 123 118 113 120 108 121 96 Fats and oils........................ 87 65 91 88 86 90 80 90 73 Miscellaneous foods.................. 455 381 468 493 402 495 370 488 318 Nonalcoholic beverages............... 256 193 268 274 231 278 211 276 175 Food prepared by consumer unit on out-of-town trips................... 38 23 41 36 41 38 40 40 32 Food away from home.................... 2,235 2,019 2,274 2,464 1,918 2,509 1,670 2,459 1,314 Alcoholic beverages......................... 349 361 346 394 286 399 244 387 192 Housing..................................... 13,011 9,881 13,575 14,058 11,614 14,137 10,730 13,917 9,354 Shelter.................................. 7,602 6,248 7,845 8,529 6,362 8,526 5,731 8,286 4,844 Owned dwellings........................ 4,979 2,007 5,514 5,300 4,550 5,461 4,001 5,406 3,258 Mortgage interest and charges........ 2,862 1,305 3,142 3,484 2,031 3,523 1,523 3,361 849 Property taxes....................... 1,233 404 1,383 1,086 1,430 1,161 1,379 1,206 1,343 Maintenance, repairs, insurance,other expenses............................ 884 298 989 729 1,090 777 1,099 838 1,066 Rented dwellings....................... 2,134 3,984 1,801 2,794 1,253 2,598 1,195 2,366 1,201 Other lodging.......................... 489 257 531 436 559 467 534 515 386 Utilities, fuels, and public services.... 2,767 1,890 2,924 2,743 2,798 2,806 2,687 2,838 2,481 Natural gas............................ 411 225 444 387 443 399 435 406 428 Electricity............................ 1,009 672 1,069 991 1,032 1,011 1,003 1,027 934 Fuel oil and other fuels............... 112 40 125 85 148 95 148 104 146 Telephone services..................... 914 796 936 979 829 990 761 980 652 Water and other public services........ 321 157 350 301 346 311 340 321 321 Household operations..................... 676 432 720 739 592 705 616 670 700 Personal services...................... 291 283 292 418 121 370 131 323 162 Other household expenses............... 385 149 427 321 471 336 485 347 538 Housekeeping supplies.................... 509 293 548 488 539 516 495 528 430 Laundry and cleaning supplies.......... 131 93 138 134 128 137 120 138 102 Other household products............... 255 126 278 246 268 263 238 269 199 Postage and stationery................. 122 74 131 108 142 116 137 121 129 Household furnishings and equipment...... 1,458 1,018 1,537 1,559 1,323 1,584 1,201 1,596 899 Household textiles..................... 114 61 123 106 125 115 112 120 88 Furniture.............................. 372 327 380 431 293 424 268 412 212 Floor coverings........................ 40 9 46 38 44 41 39 42 33 Major appliances....................... 178 95 193 184 171 186 162 187 143 Small appliances, miscellaneous housewares............................ 87 49 93 84 90 88 83 94 58 Miscellaneous household equipment...... 667 477 701 716 600 731 535 741 366 Apparel and services........................ 1,743 1,527 1,782 2,008 1,379 2,024 1,165 1,951 891 Men and boys............................. 423 360 434 497 322 501 262 479 193 Men, 16 and over....................... 335 308 340 368 290 383 236 375 170 Boys, 2 to 15.......................... 88 52 94 129 32 118 26 104 23 Women and girls.......................... 677 511 707 745 584 754 519 742 408 Women, 16 and over..................... 562 447 583 579 538 602 480 607 378 Girls, 2 to 15......................... 115 64 124 165 46 152 38 135 30 Children under 2......................... 81 141 71 111 41 106 30 97 16 Footwear................................. 302 270 308 357 226 358 186 341 143 Other apparel products and services...... 259 244 262 299 206 304 168 291 131 Transportation.............................. 7,633 6,403 7,855 8,391 6,621 8,482 5,915 8,418 4,470 Vehicle purchases (net outlay)........... 3,579 3,215 3,644 4,037 2,967 4,051 2,624 4,006 1,859 Cars and trucks, new................... 1,685 1,110 1,789 1,734 1,619 1,784 1,485 1,837 1,073 Cars and trucks, used.................. 1,848 2,068 1,809 2,252 1,308 2,211 1,113 2,113 780 Other vehicles......................... 46 d/ 38 47 50 40 55 d/ 26 56 d/ 6 Gasoline and motor oil................... 1,279 1,052 1,320 1,397 1,122 1,414 1,007 1,402 783 Other vehicle expenses................... 2,375 1,844 2,471 2,563 2,124 2,623 1,873 2,598 1,475 Vehicle finance charges................ 359 349 361 431 263 428 221 417 127 Maintenance and repairs................ 662 455 700 695 617 718 549 711 464 Vehicle insurance...................... 819 616 856 842 788 863 731 869 620 Vehicle rental, leases, licenses, other charges.............................. 534 424 554 594 455 615 372 601 264 Public transportation.................... 400 291 419 393 408 394 411 411 353 Health care................................. 2,182 828 2,425 1,575 2,993 1,690 3,178 1,856 3,493 Health insurance......................... 1,061 432 1,174 779 1,437 823 1,541 883 1,775 Medical services......................... 573 210 638 467 713 498 723 543 693 Drugs.................................... 449 145 503 256 707 289 772 341 884 Medical supplies......................... 100 41 110 72 137 79 141 89 142 Entertainment............................... 1,953 1,460 2,042 2,140 1,702 2,140 1,573 2,172 1,067 Fees and admissions...................... 526 344 559 586 446 583 412 584 295 Television, radios, sound equipment...... 660 576 675 734 560 730 517 716 433 Pets, toys, and playground equipment..... 337 238 355 373 290 373 265 379 169 Other entertainment supplies, equipment,and services.................. 430 302 453 447 406 454 380 494 169 Personal care products and services......... 485 357 508 485 484 499 454 506 396 Reading..................................... 141 76 153 125 162 132 160 140 144 Education................................... 648 1,037 578 802 441 830 279 765 173 Tobacco products and smoking supplies....... 308 296 311 349 254 349 225 347 154 Miscellaneous............................... 750 400 813 681 843 696 861 715 891 Cash contributions.......................... 1,258 465 1,401 1,042 1,546 1,118 1,541 1,178 1,583 Personal insurance and pensions............. 3,737 2,387 3,980 4,216 3,096 4,372 2,451 4,377 1,157 Life and other personal insurance........ 410 103 466 341 504 370 492 417 384 Pensions and Social Security............. 3,326 2,285 3,514 3,876 2,593 4,002 1,959 3,960 773 Sources of income and personal taxes: a/ Money income before taxes.................. 47,507 32,187 50,368 51,190 42,479 52,568 37,185 52,470 27,528 Wages and salaries....................... 38,334 29,441 39,995 46,455 27,247 47,540 19,559 46,126 6,967 Self-employment income................... 2,231 691 2,519 2,352 2,066 2,353 1,983 2,549 954 Social Security, private and government retirement................... 4,963 242 5,844 710 10,769 935 13,179 1,942 17,125 Interest, dividends, rental income, other property income................... 951 424 1,049 496 1,573 587 1,693 721 1,878 Unemployment and workers'' compensation, veterans'' benefits..................... 171 84 188 173 169 175 165 197 70 Public assistance, supplemental security, income, food stamps..................... 384 288 402 357 420 378 395 392 349 Regular contributions for support........ 315 608 260 437 148 406 130 371 89 Other income............................. 158 410 111 209 88 196 80 173 96 Personal taxes............................. 2,920 1,377 3,209 3,208 2,528 3,337 2,070 3,369 1,114 Federal income taxes..................... 2,237 1,055 2,458 2,474 1,912 2,577 1,542 2,588 824 State and local income taxes............. 555 303 602 630 452 651 357 657 142 Other taxes.............................. 129 19 150 104 163 109 170 124 149 Income after taxes......................... 44,587 30,811 47,160 47,982 39,952 49,231 35,115 49,101 26,414 Net change in total assets and liabilities... -2,059 -1,770 -2,111 -3,892 389 -3,503 863 -3,744 4,730 Net change in total assets............... 5,678 5,160 5,771 6,770 4,220 6,498 4,019 5,459 6,562 Net change in total liabilities.......... 7,737 6,929 7,883 10,662 3,831 10,001 3,156 9,203 1,832 Other financial information: Other money receipts..................... 372 196 403 279 495 321 474 335 520 Mortgage principal paid on owned property................................ -1,397 -352 -1,585 -1,407 -1,384 -1,546 -1,096 -1,580 -661 Estimated market value of owned home..... 103,975 30,617 117,185 86,064 127,894 91,989 128,236 97,756 129,037 Estimated monthly rental value of owned home.................................... 690 241 771 611 795 647 777 678 736 Gifts of goods and services................. 1,012 528 1,099 862 1,214 991 1,054 1,059 822 Food..................................... 69 24 77 53 90 74 58 78 31 Alcoholic beverages...................... 14 11 15 15 13 16 9 15 9 Housing.................................. 258 167 275 228 299 250 275 270 211 Housekeeping supplies.................. 41 25 44 37 47 39 45 43 32 Household textiles..................... 14 7 15 8 23 11 21 13 18 Appliances and miscellaneous housewares........................... 25 11 28 19 34 23 30 27 19 Major appliances..................... 6 d/ 3 7 4 10 6 8 7 5 Small appliances and miscellaneous housewares......................... 19 8 21 15 24 17 22 20 14 Miscellaneous household equipment...... 59 37 63 53 68 57 64 63 45 Other housing.......................... 119 87 124 112 128 120 116 124 97 Apparel and services..................... 237 170 249 218 262 235 240 252 174 Males, 2 and over...................... 61 44 64 50 76 57 70 60 65 Females, 2 and over.................... 89 38 98 77 105 84 98 95 64 Children under 2....................... 42 47 41 45 37 48 28 48 15 Other apparel products and services.... 45 41 46 46 44 45 44 49 30 Jewelry and watches.................. 17 22 16 20 13 19 12 19 10 All other apparel products and services............................ 28 19 30 26 31 26 32 30 20 Transportation........................... 70 13 80 59 85 63 84 68 79 Health care.............................. 35 4 40 19 56 22 61 27 66 Entertainment............................ 74 62 76 71 78 76 71 78 56 Toys, games, hobbies, and tricycles.... 30 18 32 26 35 27 36 31 25 Other entertainment.................... 44 44 44 45 44 49 35 47 32 Personal care products and services...... 21 12 22 16 27 18 26 23 12 Reading.................................. 1 1 1 1 2 1 2 1 2 Education................................ 160 37 182 131 199 177 126 181 76 All other gifts.......................... 73 30 81 51 104 59 101 65 104 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 Data are likely to have large sampling errors.