Table 4500. Selected age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002 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)...... 112,108 17,430 94,677 64,373 47,734 74,810 37,297 90,125 21,983 Income before taxes a/ ...................... $49,430 $32,544 $52,599 $53,082 $44,521 $54,564 $39,268 $54,325 $29,711 Income after taxes a/ ....................... 46,934 31,281 49,871 50,354 42,335 51,705 37,490 51,466 28,674 Age of the reference person.................. 48.1 24.2 52.5 35.6 64.8 37.9 68.4 41.5 75.0 Average number in consumer unit: Persons..................................... 2.5 2.3 2.5 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 .5 Vehicles.................................... 2.0 1.4 2.1 2.0 1.9 2.0 1.8 2.1 1.5 Percent distribution: Male........................................ 51 49 51 51 50 52 49 52 46 Female...................................... 49 51 49 49 50 48 51 48 54 Homeowner................................... 66 26 74 56 80 59 80 63 80 With mortgage.............................. 41 19 44 46 34 47 28 46 18 Without mortgage........................... 26 7 29 11 46 13 52 17 62 Renter...................................... 34 74 26 44 20 41 20 37 20 Black....................................... 12 13 12 13 10 13 10 13 9 White and other............................. 88 87 88 87 90 87 90 87 91 Elementary (1-8)............................ 6 3 6 3 9 3 11 4 14 High school (9-12).......................... 38 32 39 35 42 35 44 35 47 College..................................... 56 65 55 62 49 62 45 60 39 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 88 79 89 88 87 89 86 89 83 Average annual expenditures.................. $40,677 $30,545 $42,544 $42,984 $37,556 $43,602 $34,785 $43,726 $28,105 Food........................................ 5,375 4,306 5,573 5,736 4,881 5,756 4,595 5,723 3,910 Food at home............................. 3,099 2,388 3,230 3,235 2,912 3,252 2,784 3,229 2,548 Cereals and bakery products............ 450 346 469 474 418 474 402 465 386 Cereals and cereal products.......... 154 133 158 170 132 168 126 162 120 Bakery products...................... 296 212 312 303 286 306 276 303 266 Meats, poultry, fish, and eggs......... 798 610 833 837 746 842 710 836 641 Beef................................. 231 185 240 253 202 250 192 245 174 Pork................................. 167 124 175 172 161 174 154 173 144 Other meats.......................... 101 69 107 104 97 106 92 105 84 Poultry.............................. 144 122 148 157 127 156 120 152 110 Fish and seafood..................... 121 82 128 117 127 121 121 126 98 Eggs................................. 34 28 35 35 32 35 31 35 30 Dairy products......................... 328 250 343 344 307 344 295 341 274 Fresh milk and cream................. 127 104 131 135 116 134 113 132 107 Other dairy products................. 201 146 211 209 191 210 182 209 167 Fruits and vegetables.................. 552 413 578 547 559 556 544 562 510 Fresh fruits......................... 178 122 189 170 189 175 185 180 169 Fresh vegetables..................... 175 125 184 171 181 175 174 178 163 Processed fruits..................... 116 96 119 120 109 120 107 118 103 Processed vegetables................. 83 69 86 86 80 86 78 85 75 Other food at home..................... 970 769 1,007 1,033 882 1,036 833 1,025 738 Sugar and other sweets............... 117 79 124 118 116 119 115 120 108 Fats and oils........................ 85 59 90 86 84 86 83 87 78 Miscellaneous foods.................. 472 408 484 520 406 517 379 503 340 Nonalcoholic beverages............... 254 196 265 270 232 273 214 272 178 Food prepared by consumer unit on out-of-town trips................... 41 26 44 40 43 41 42 43 33 Food away from home.................... 2,276 1,919 2,342 2,501 1,969 2,504 1,811 2,494 1,362 Alcoholic beverages......................... 376 395 372 395 351 407 313 409 237 Housing..................................... 13,283 9,863 13,913 14,267 11,957 14,376 11,091 14,283 9,176 Shelter.................................. 7,829 6,267 8,117 8,702 6,653 8,743 5,997 8,560 4,834 Owned dwellings........................ 5,165 2,069 5,735 5,513 4,695 5,666 4,161 5,653 3,162 Mortgage interest and charges........ 2,962 1,359 3,257 3,587 2,120 3,620 1,642 3,466 897 Property taxes....................... 1,242 441 1,390 1,128 1,397 1,194 1,339 1,253 1,199 Maintenance, repairs, insurance,other expenses............................ 960 269 1,088 798 1,179 851 1,179 935 1,066 Rented dwellings....................... 2,160 3,888 1,842 2,760 1,351 2,600 1,277 2,380 1,259 Other lodging.......................... 505 310 540 429 606 477 559 527 413 Utilities, fuels, and public services.... 2,684 1,828 2,842 2,665 2,710 2,721 2,610 2,761 2,371 Natural gas............................ 330 179 357 313 352 322 345 328 338 Electricity............................ 981 636 1,045 958 1,013 980 984 1,002 894 Fuel oil and other fuels............... 88 33 99 68 116 72 122 81 119 Telephone services..................... 957 819 982 1,021 870 1,031 809 1,022 689 Water and other public services........ 328 161 359 306 358 317 351 328 331 Household operations..................... 706 411 760 799 580 766 585 731 602 Personal services...................... 331 261 344 464 152 416 161 359 218 Other household expenses............... 375 151 416 335 428 350 424 372 384 Housekeeping supplies.................... 545 288 593 491 619 508 621 564 466 Laundry and cleaning supplies.......... 131 93 137 133 127 135 122 136 110 Other household products............... 283 127 312 243 339 252 348 300 213 Postage and stationery................. 131 68 143 115 154 122 151 129 143 Household furnishings and equipment...... 1,518 1,069 1,601 1,610 1,395 1,638 1,278 1,667 903 Household textiles..................... 136 116 139 134 137 134 138 143 106 Furniture.............................. 401 301 420 454 330 448 308 454 186 Floor coverings........................ 40 19 44 36 46 41 40 43 30 Major appliances....................... 188 102 204 189 188 197 172 201 139 Small appliances, miscellaneous housewares............................ 100 95 101 99 102 103 96 108 68 Miscellaneous household equipment...... 652 435 692 698 591 715 524 719 374 Apparel and services........................ 1,749 1,619 1,773 1,980 1,435 1,964 1,312 1,935 972 Men and boys............................. 409 353 420 493 296 482 261 458 208 Men, 16 and over....................... 319 291 325 363 260 363 230 352 182 Boys, 2 to 15.......................... 90 62 95 130 36 119 32 106 26 Women and girls.......................... 704 606 722 737 660 749 612 765 450 Women, 16 and over..................... 587 539 596 568 613 593 575 626 424 Girls, 2 to 15......................... 117 68 126 169 47 157 37 139 26 Children under 2......................... 83 153 70 116 37 107 32 97 21 Footwear................................. 313 301 315 368 238 362 214 349 160 Other apparel products and services...... 240 206 246 267 204 264 192 266 133 Transportation.............................. 7,759 6,491 7,993 8,471 6,800 8,581 6,110 8,559 4,481 Vehicle purchases (net outlay)........... 3,665 3,304 3,731 4,130 3,038 4,163 2,665 4,115 1,818 Cars and trucks, new................... 1,753 1,135 1,867 1,831 1,647 1,896 1,466 1,927 1,038 Cars and trucks, used.................. 1,842 2,093 1,796 2,208 1,349 2,176 1,173 2,106 761 Other vehicles......................... 70 76 69 90 42 91 d/ 26 82 d/ 18 Gasoline and motor oil................... 1,235 1,046 1,270 1,345 1,086 1,358 988 1,347 777 Other vehicle expenses................... 2,471 1,833 2,588 2,618 2,271 2,676 2,058 2,686 1,586 Vehicle finance charges................ 397 351 405 474 294 474 242 456 153 Maintenance and repairs................ 697 465 740 715 673 733 626 750 482 Vehicle insurance...................... 894 669 935 919 860 940 800 949 666 Vehicle rental, leases, licenses, other charges.............................. 483 348 508 511 445 529 390 531 284 Public transportation.................... 389 308 404 377 404 384 399 410 300 Health care................................. 2,350 946 2,609 1,728 3,190 1,853 3,348 2,049 3,586 Health insurance......................... 1,168 492 1,292 873 1,565 918 1,668 993 1,886 Medical services......................... 590 263 650 499 713 536 698 592 582 Drugs.................................... 487 152 549 277 772 315 833 374 955 Medical supplies......................... 105 39 117 79 141 84 149 91 163 Entertainment............................... 2,079 1,491 2,187 2,281 1,807 2,309 1,616 2,307 1,139 Fees and admissions...................... 542 365 574 611 449 604 417 600 301 Television, radios, sound equipment...... 692 577 713 749 615 755 566 748 461 Pets, toys, and playground equipment..... 369 248 392 397 331 408 291 410 200 Other entertainment supplies, equipment,and services.................. 476 301 509 524 412 543 342 549 177 Personal care products and services......... 526 395 550 541 505 541 495 544 451 Reading..................................... 139 75 150 121 162 127 161 136 147 Education................................... 752 1,203 669 920 525 946 361 886 202 Tobacco products and smoking supplies....... 320 303 324 358 271 362 238 362 152 Miscellaneous............................... 792 537 840 778 812 796 786 818 686 Cash contributions.......................... 1,277 463 1,427 1,050 1,583 1,109 1,614 1,179 1,679 Personal insurance and pensions............. 3,899 2,457 4,164 4,359 3,277 4,474 2,745 4,536 1,286 Life and other personal insurance........ 406 107 461 337 499 367 484 406 407 Pensions and Social Security............. 3,493 2,350 3,703 4,022 2,778 4,107 2,261 4,130 880 Sources of income and personal taxes: a/ Money income before taxes.................. 49,430 32,544 52,599 53,082 44,521 54,564 39,268 54,325 29,711 Wages and salaries....................... 39,864 30,098 41,697 48,190 28,669 49,227 21,330 47,719 8,218 Self-employment income................... 2,237 588 2,546 2,468 1,927 2,491 1,733 2,510 1,139 Social Security, private and government retirement................... 5,234 258 6,168 764 11,246 1,026 13,565 2,111 17,819 Interest, dividends, rental income, other property income................... 924 169 1,066 455 1,556 569 1,628 731 1,704 Unemployment and workers'' compensation, veterans'' benefits..................... 233 141 250 244 218 253 194 270 84 Public assistance, supplemental security, income, food stamps..................... 352 277 367 330 382 334 389 358 331 Regular contributions for support........ 412 595 378 423 398 469 301 451 256 Other income............................. 173 418 127 208 125 195 128 176 159 Personal taxes............................. 2,496 1,263 2,728 2,727 2,186 2,859 1,778 2,858 1,037 Federal income taxes..................... 1,843 925 2,015 2,016 1,610 2,117 1,300 2,120 725 State and local income taxes............. 506 304 545 595 387 618 286 596 144 Other taxes.............................. 147 34 168 116 189 124 192 142 169 Income after taxes......................... 46,934 31,281 49,871 50,354 42,335 51,705 37,490 51,466 28,674 Net change in total assets and liabilities... -5,612 147 -6,672 -5,576 -5,660 -6,597 -3,636 -6,296 -2,807 Net change in total assets............... 5,736 6,218 5,647 8,925 1,434 7,899 1,398 7,349 -879 Net change in total liabilities.......... 11,348 6,071 12,319 14,501 7,095 14,496 5,033 13,645 1,928 Other financial information: Other money receipts..................... 539 187 604 404 721 421 775 574 397 Mortgage principal paid on owned property................................ -1,382 -371 -1,568 -1,386 -1,376 -1,503 -1,139 -1,569 -614 Estimated market value of owned home..... 106,766 32,241 120,486 92,387 126,156 98,646 123,052 105,700 111,136 Estimated monthly rental value of owned home.................................... 720 261 805 645 822 678 805 712 753 Gifts of goods and services................. 1,036 532 1,129 848 1,291 995 1,120 1,086 832 Food..................................... 82 32 91 58 115 78 91 90 49 Alcoholic beverages...................... 13 15 13 14 12 14 11 14 10 Housing.................................. 259 155 278 237 289 259 259 272 206 Housekeeping supplies.................. 42 26 45 36 51 40 48 42 43 Household textiles..................... 14 10 14 11 18 11 19 14 12 Appliances and miscellaneous housewares........................... 24 13 26 17 33 18 35 25 22 Major appliances..................... 8 1 10 5 13 5 14 9 5 Small appliances and miscellaneous housewares......................... 16 12 16 13 20 13 21 15 16 Miscellaneous household equipment...... 65 31 71 61 69 64 66 67 53 Other housing.......................... 114 75 121 111 118 125 91 123 76 Apparel and services..................... 237 187 246 221 259 229 254 248 193 Males, 2 and over...................... 64 50 66 60 69 62 67 64 62 Females, 2 and over.................... 82 44 89 61 110 68 111 83 77 Children under 2....................... 40 44 39 45 33 45 29 45 20 Other apparel products and services.... 52 49 52 55 47 54 48 56 33 Jewelry and watches.................. 24 24 24 28 19 26 20 27 11 All other apparel products and services............................ 28 25 28 27 29 28 28 29 23 Transportation........................... 44 18 49 34 57 46 39 50 17 Health care.............................. 33 6 37 18 52 26 45 31 39 Entertainment............................ 78 47 84 71 88 79 77 84 56 Toys, games, hobbies, and tricycles.... 30 15 33 25 37 27 36 31 27 Other entertainment.................... 48 32 51 46 51 52 41 53 29 Personal care products and services...... 21 15 22 22 20 22 19 21 21 Reading.................................. 1 c/ 2 1 2 1 3 1 3 Education................................ 184 33 212 118 273 173 206 193 146 All other gifts.......................... 84 25 95 53 125 69 114 82 93 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.