Table 3650. Consumer units of five or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Total Item five or Under 25-34 35-44 45-54 55-64 65 and more 25 over persons Number of consumer units (in thousands)...... 11,183 359 2,727 4,838 2,324 592 343 Income before taxes a/ ...................... $58,461 $38,271 $43,707 $63,253 $68,772 $66,259 $48,923 Income after taxes a/ ....................... 55,792 37,176 42,465 60,418 64,201 63,684 48,038 Age of the reference person.................. 40.5 21.9 30.4 39.3 48.6 58.6 71.4 Average number in consumer unit: Persons..................................... 5.6 5.7 5.5 5.6 5.6 5.9 6.0 Children under 18........................... 2.8 2.2 3.2 3.1 2.2 2.0 1.9 Persons 65 and over......................... .1 b/ .1 c/ .1 .1 .1 1.6 Earners..................................... 2.3 2.8 1.9 2.1 2.8 2.8 2.3 Vehicles.................................... 2.5 2.1 2.0 2.5 3.1 3.1 2.3 Percent distribution: Male........................................ 55 36 50 55 63 61 47 Female...................................... 45 64 50 45 37 39 53 Homeowner................................... 70 32 53 75 82 79 83 With mortgage.............................. 56 23 45 64 64 47 32 Without mortgage........................... 14 9 9 10 18 32 51 Renter...................................... 30 68 47 25 18 21 17 Black....................................... 17 16 19 14 17 22 28 White and other............................. 83 84 81 86 83 78 72 Elementary (1-8)............................ 8 10 8 6 9 19 18 High school (9-12).......................... 44 56 54 41 37 46 52 College..................................... 47 34 38 54 52 34 25 Never attended and other.................... 1 1 d/ d/ 2 1 5 At least one vehicle owned or leased........ 92 88 89 94 95 92 86 Average annual expenditures.................. $51,516 $36,856 $41,990 $54,612 $60,024 $51,945 $39,756 Food........................................ 8,018 7,428 6,953 8,044 9,500 7,571 7,452 Food at home............................. 5,132 5,013 4,783 4,982 5,918 4,959 5,294 Cereals and bakery products............ 803 744 705 803 943 742 794 Cereals and cereal products.......... 313 300 294 307 357 288 323 Bakery products...................... 489 444 412 496 586 454 471 Meats, poultry, fish, and eggs......... 1,396 1,654 1,373 1,269 1,596 1,493 1,670 Beef................................. 414 422 422 369 503 410 435 Pork................................. 289 361 296 253 321 339 402 Other meats.......................... 184 191 157 189 198 205 162 Poultry.............................. 271 327 266 246 318 265 328 Fish and seafood..................... 174 232 175 157 184 191 268 Eggs................................. 64 121 57 56 72 84 75 Dairy products......................... 569 457 521 570 655 537 562 Fresh milk and cream................. 257 235 252 249 292 244 222 Other dairy products................. 313 222 268 321 363 293 340 Fruits and vegetables.................. 830 870 791 774 985 810 944 Fresh fruits......................... 257 264 241 251 290 232 284 Fresh vegetables..................... 258 287 249 227 317 294 281 Processed fruits..................... 184 199 175 172 223 167 213 Processed vegetables................. 131 121 125 124 155 117 167 Other food at home..................... 1,534 1,289 1,394 1,567 1,740 1,377 1,323 Sugar and other sweets............... 212 158 176 229 241 167 186 Fats and oils........................ 141 142 139 129 171 145 145 Miscellaneous foods.................. 729 589 700 750 805 580 591 Nonalcoholic beverages............... 401 385 347 402 461 422 353 Food prepared by consumer unit on out-of-town trips................... 51 b/ 15 31 57 62 63 b/ 48 Food away from home.................... 2,886 2,415 2,170 3,062 3,582 2,612 2,157 Alcoholic beverages......................... 313 514 233 351 349 185 143 Housing..................................... 16,462 12,086 13,993 18,096 17,365 16,046 11,764 Shelter.................................. 9,362 7,183 8,031 10,453 9,831 7,975 6,047 Owned dwellings........................ 6,716 2,030 4,783 7,906 7,721 5,915 4,772 Mortgage interest and charges........ 4,346 1,275 3,137 5,305 4,884 3,332 1,754 Property taxes....................... 1,469 377 999 1,640 1,841 1,495 1,388 Maintenance, repairs, insurance,other expenses............................ 900 377 647 961 997 1,089 1,630 Rented dwellings....................... 2,130 4,988 3,078 1,908 1,388 1,353 1,110 Other lodging.......................... 516 b/ 165 170 640 721 707 164 Utilities, fuels, and public services.... 3,543 2,584 3,141 3,573 3,898 4,239 3,718 Natural gas............................ 504 349 441 508 543 574 722 Electricity............................ 1,312 961 1,192 1,348 1,381 1,486 1,344 Fuel oil and other fuels............... 125 b/ 51 99 131 154 149 b/ 72 Telephone services..................... 1,165 940 1,041 1,144 1,322 1,486 1,075 Water and other public services........ 437 283 367 441 499 545 505 Household operations..................... 916 419 961 1,057 794 660 347 Personal services...................... 553 315 684 628 384 408 b/ 88 Other household expenses............... 363 104 277 429 411 252 259 Housekeeping supplies.................... 736 565 512 811 756 1,097 663 Laundry and cleaning supplies.......... 262 210 190 242 266 748 158 Other household products............... 337 263 241 409 322 257 328 Postage and stationery................. 138 92 81 160 168 92 177 Household furnishings and equipment...... 1,905 1,334 1,348 2,202 2,086 2,075 988 Household textiles..................... 126 37 113 141 128 103 131 Furniture.............................. 442 420 396 494 439 409 191 Floor coverings........................ 61 b/ 25 31 63 106 b/ 38 b/ 24 Major appliances....................... 270 226 193 292 260 510 233 Small appliances, miscellaneous housewares............................ 103 86 67 114 138 88 b/ 40 Miscellaneous household equipment...... 903 541 548 1,097 1,014 927 370 Apparel and services........................ 2,918 2,294 2,299 3,121 3,495 2,595 2,143 Men and boys............................. 712 416 629 756 815 682 411 Men, 16 and over....................... 413 312 305 405 547 557 296 Boys, 2 to 15.......................... 299 104 324 351 268 126 115 Women and girls.......................... 1,133 492 695 1,315 1,438 930 869 Women, 16 and over..................... 770 408 374 877 1,074 718 665 Girls, 2 to 15......................... 363 85 321 437 365 212 204 Children under 2......................... 191 315 270 176 138 137 129 Footwear................................. 581 842 459 564 716 588 547 Other apparel products and services...... 302 230 245 311 388 257 187 Transportation.............................. 10,386 7,440 8,511 10,869 12,460 10,453 7,342 Vehicle purchases (net outlay)........... 5,021 3,445 4,209 5,380 5,974 4,403 2,675 Cars and trucks, new................... 1,868 b/ 1,394 987 2,290 2,212 b/ 2,057 b/ 754 Cars and trucks, used.................. 3,108 2,051 3,158 3,047 3,744 2,200 1,922 Other vehicles......................... 45 e/ b/ 63 b/ 43 b/ 18 b/ 146 e/ Gasoline and motor oil................... 1,861 1,538 1,567 1,889 2,198 2,041 1,543 Other vehicle expenses................... 3,087 2,261 2,469 3,140 3,762 3,512 2,775 Vehicle finance charges................ 526 399 492 531 592 534 391 Maintenance and repairs................ 869 726 610 921 1,111 828 728 Vehicle insurance...................... 1,024 662 813 969 1,348 1,462 912 Vehicle rental, leases, licenses, other charges.............................. 668 474 555 719 711 688 743 Public transportation.................... 416 196 266 459 527 498 348 Health care................................. 2,085 947 1,454 2,103 2,646 2,599 3,302 Health insurance......................... 1,006 459 743 1,020 1,234 1,207 1,587 Medical services......................... 622 251 423 665 815 630 671 Drugs.................................... 351 174 223 309 442 662 951 Medical supplies......................... 105 b/ 62 65 108 155 100 94 Entertainment............................... 2,659 1,288 2,275 3,041 2,747 2,465 1,426 Fees and admissions...................... 729 266 517 900 814 512 285 Television, radios, sound equipment...... 835 685 771 849 913 901 644 Pets, toys, and playground equipment..... 473 233 490 523 421 409 364 Other entertainment supplies, equipment,and services.................. 622 104 497 770 598 643 132 Personal care products and services......... 698 483 570 705 881 702 592 Reading..................................... 133 41 85 139 187 150 127 Education................................... 985 698 426 955 1,797 1,134 401 Tobacco products and smoking supplies....... 426 360 409 420 418 542 568 Miscellaneous............................... 787 297 766 804 776 775 1,319 Cash contributions.......................... 1,178 818 738 1,249 1,696 1,064 751 Personal insurance and pensions............. 4,468 2,164 3,278 4,715 5,706 5,664 2,426 Life and other personal insurance........ 488 110 266 472 732 914 494 Pensions and Social Security............. 3,980 2,053 3,012 4,243 4,974 4,750 1,932 Sources of income and personal taxes: a/ Money income before taxes.................. 58,461 38,271 43,707 63,253 68,772 66,259 48,923 Wages and salaries....................... 52,176 32,666 40,354 57,826 60,859 54,723 25,742 Self-employment income................... 2,346 b/ 1,156 1,177 2,353 3,802 3,275 b/ 1,511 Social Security, private and government retirement................... 1,702 2,455 482 689 1,483 6,162 19,185 Interest, dividends, rental income, other property income................... 588 b/ 29 98 755 1,041 118 609 Unemployment and workers'' compensation, veterans'' benefits..................... 256 b/ 130 239 259 291 b/ 248 b/ 241 Public assistance, supplemental security, income, food stamps..................... 798 988 826 715 750 1,133 1,301 Regular contributions for support........ 413 b/ 541 434 471 333 b/ 192 b/ 250 Other income............................. 182 b/ 306 98 185 213 408 b/ 85 Personal taxes............................. 2,669 1,095 1,243 2,835 4,570 2,576 884 Federal income taxes..................... 1,947 865 782 2,114 3,429 1,796 466 State and local income taxes............. 605 183 409 606 940 636 273 Other taxes.............................. 117 b/ 47 52 114 201 143 145 Income after taxes......................... 55,792 37,176 42,465 60,418 64,201 63,684 48,038 Net change in total assets and liabilities... -4,555 139 -4,602 -6,184 -3,082 714 -5,200 Net change in total assets............... 6,057 2,511 7,330 6,000 6,282 6,174 -1,291 Net change in total liabilities.......... 10,612 2,372 11,932 12,184 9,364 5,461 3,909 Other financial information: Other money receipts..................... 447 b/ 383 211 391 301 232 b/ 4,533 Mortgage principal paid on owned property................................ -1,891 -604 -934 -2,093 -2,972 -1,796 -848 Estimated market value of owned home..... 113,005 32,595 68,127 125,508 150,459 125,370 102,491 Estimated monthly rental value of owned home.................................... 767 290 508 858 942 810 782 Gifts of goods and services................. 911 351 582 973 1,271 1,066 508 Food..................................... 65 b/ 11 15 80 111 b/ 34 b/ 29 Alcoholic beverages...................... 14 d/ 7 21 18 d/ e/ Housing.................................. 284 149 242 274 399 216 224 Housekeeping supplies.................. 46 b/ 26 35 49 65 b/ 22 b/ 36 Household textiles..................... 11 b/ 14 b/ 12 10 b/ 15 b/ 8 e/ Appliances and miscellaneous housewares........................... 30 b/ 18 b/ 6 25 82 b/ 8 b/ 3 Major appliances..................... 11 e/ e/ b/ 5 42 b/ 1 b/ 2 Small appliances and miscellaneous housewares......................... 19 b/ 18 b/ 6 20 40 b/ 7 b/ 1 Miscellaneous household equipment...... 56 b/ 6 34 76 65 21 b/ 6 Other housing.......................... 139 b/ 86 156 114 171 157 b/ 178 Apparel and services..................... 214 137 174 231 257 174 126 Males, 2 and over...................... 56 b/ 19 38 65 62 b/ 83 b/ 19 Females, 2 and over.................... 68 b/ 31 42 84 88 b/ 19 b/ 46 Children under 2....................... 58 b/ 31 64 52 68 59 b/ 53 Other apparel products and services.... 32 b/ 56 31 30 39 b/ 14 b/ 8 Jewelry and watches.................. 7 b/ 18 b/ 9 5 7 b/ 4 b/ 6 All other apparel products and services............................ 25 b/ 38 b/ 23 25 b/ 32 b/ 11 b/ 2 Transportation........................... 59 b/ 4 32 78 76 21 29 Health care.............................. 11 b/ 3 b/ 6 8 25 b/ 8 b/ 14 Entertainment............................ 74 b/ 15 41 99 75 59 b/ 43 Toys, games, hobbies, and tricycles.... 20 b/ 9 14 26 14 29 b/ 7 Other entertainment.................... 54 b/ 6 26 73 61 31 36 Personal care products and services...... 18 b/ 2 9 22 27 b/ 15 e/ Reading.................................. 1 b/ 1 d/ 1 1 b/ 2 e/ Education................................ 111 b/ 19 26 89 225 336 b/ 4 All other gifts.......................... 62 b/ 10 29 71 58 199 39 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.05. d Value less than 0.5. e No data reported. n.a. Not applicable.