Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Total Under 65 and Item four 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 15,704 565 3,759 6,551 3,508 862 458 Income before taxes a/ ...................... $65,091 $29,531 $52,040 $70,709 $76,090 $69,578 $49,458 Income after taxes a/ ....................... 61,009 29,092 49,787 65,712 70,832 65,049 48,079 Age of the reference person.................. 40.7 21.8 30.5 39.5 48.6 58.6 71.5 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.6 1.4 2.0 1.8 1.3 .8 .9 Persons 65 and over......................... .1 b/ b/ b/ .1 .1 1.4 Earners..................................... 2.0 1.9 1.7 2.0 2.4 2.4 1.8 Vehicles.................................... 2.5 1.9 2.1 2.6 3.0 2.8 2.4 Percent distribution: Male........................................ 56 40 50 56 65 68 51 Female...................................... 44 60 50 44 35 32 49 Homeowner................................... 74 22 60 81 83 83 83 With mortgage.............................. 61 12 51 70 66 55 38 Without mortgage........................... 14 10 9 11 17 29 46 Renter...................................... 26 78 40 19 17 17 17 Black....................................... 12 22 15 9 11 16 28 White and other............................. 88 78 85 91 89 84 72 Elementary (1-8)............................ 4 2 3 3 5 12 17 High school (9-12).......................... 37 56 42 37 28 39 46 College..................................... 58 41 54 60 66 49 36 Never attended and other.................... c/ 1 c/ c/ c/ d/ 1 At least one vehicle owned or leased........ 94 81 92 95 95 93 93 Average annual expenditures.................. $53,238 $34,499 $44,313 $54,997 $61,908 $51,801 $61,061 Food........................................ 7,287 5,672 6,196 7,470 8,423 7,747 6,190 Food at home............................. 4,326 3,586 3,813 4,346 4,842 4,772 4,419 Cereals and bakery products............ 654 503 566 673 730 717 608 Cereals and cereal products.......... 230 189 213 232 245 250 242 Bakery products...................... 424 314 353 441 485 467 366 Meats, poultry, fish, and eggs......... 1,126 971 1,009 1,086 1,253 1,357 1,392 Beef................................. 344 308 327 313 393 390 500 Pork................................. 232 198 215 219 258 279 297 Other meats.......................... 143 131 128 139 159 169 149 Poultry.............................. 210 169 183 218 221 250 207 Fish and seafood..................... 155 124 120 156 177 210 181 Eggs................................. 42 41 36 41 45 59 59 Dairy products......................... 468 373 402 489 514 498 429 Fresh milk and cream................. 193 164 177 198 201 205 193 Other dairy products................. 275 210 224 291 313 293 236 Fruits and vegetables.................. 704 544 616 698 812 778 738 Fresh fruits......................... 212 155 178 211 254 234 227 Fresh vegetables..................... 210 160 176 203 258 231 234 Processed fruits..................... 165 147 143 169 179 192 167 Processed vegetables................. 117 82 119 116 121 121 111 Other food at home..................... 1,376 1,194 1,221 1,399 1,532 1,422 1,251 Sugar and other sweets............... 167 118 136 175 195 195 113 Fats and oils........................ 113 84 94 112 134 135 136 Miscellaneous foods.................. 674 670 629 681 731 638 553 Nonalcoholic beverages............... 371 304 330 374 414 413 346 Food prepared by consumer unit on out-of-town trips................... 50 e/ 18 32 58 58 40 103 Food away from home.................... 2,960 2,087 2,383 3,124 3,581 2,976 1,770 Alcoholic beverages......................... 348 230 294 376 425 243 195 Housing..................................... 17,412 11,240 15,206 18,521 18,752 14,974 21,752 Shelter.................................. 9,959 6,930 8,680 10,767 10,492 8,537 11,232 Owned dwellings........................ 7,619 1,002 5,859 8,882 8,218 6,852 9,033 Mortgage interest and charges........ 4,914 567 4,070 5,986 5,129 3,952 2,026 Property taxes....................... 1,669 281 1,030 1,803 1,934 1,856 4,339 Maintenance, repairs, insurance,other expenses............................ 1,036 153 759 1,092 1,155 1,044 2,667 Rented dwellings....................... 1,778 5,834 2,580 1,399 1,241 1,091 1,031 Other lodging.......................... 561 e/ 95 241 487 1,033 593 1,168 Utilities, fuels, and public services.... 3,341 2,118 2,856 3,349 3,826 3,787 4,180 Natural gas............................ 462 252 400 470 521 503 586 Electricity............................ 1,215 839 1,040 1,210 1,378 1,425 1,535 Fuel oil and other fuels............... 122 e/ 31 60 123 168 147 348 Telephone services..................... 1,137 840 1,030 1,124 1,297 1,214 1,203 Water and other public services........ 405 156 326 422 463 497 508 Household operations..................... 1,332 671 1,458 1,441 936 657 3,850 Personal services...................... 814 558 1,207 970 313 202 655 Other household expenses............... 518 112 252 470 623 455 3,195 Housekeeping supplies.................... 697 380 542 754 843 651 629 Laundry and cleaning supplies.......... 183 184 178 187 181 199 162 Other household products............... 360 128 259 400 449 312 415 Postage and stationery................. 154 68 105 168 214 139 51 Household furnishings and equipment...... 2,082 1,141 1,670 2,210 2,654 1,343 1,862 Household textiles..................... 152 66 118 177 182 101 63 Furniture.............................. 576 431 553 580 677 223 770 Floor coverings........................ 60 e/ 11 39 81 56 e/ 56 e/ 18 Major appliances....................... 253 87 203 242 365 170 328 Small appliances, miscellaneous housewares............................ 119 67 79 142 147 85 56 Miscellaneous household equipment...... 922 479 677 988 1,228 708 627 Apparel and services........................ 2,686 2,010 2,324 2,689 3,394 2,358 1,549 Men and boys............................. 677 533 567 684 856 591 439 Men, 16 and over....................... 449 364 338 424 638 491 261 Boys, 2 to 15.......................... 228 169 229 260 217 101 178 Women and girls.......................... 1,023 518 780 1,048 1,434 849 475 Women, 16 and over..................... 736 420 530 674 1,174 693 343 Girls, 2 to 15......................... 287 98 251 374 260 156 132 Children under 2......................... 164 356 271 142 92 77 e/ 31 Footwear................................. 486 410 457 478 565 503 e/ 288 Other apparel products and services...... 335 193 249 338 448 338 317 Transportation.............................. 10,742 7,921 9,819 10,514 12,602 11,193 10,003 Vehicle purchases (net outlay)........... 5,271 4,343 5,261 4,986 6,030 5,344 4,611 Cars and trucks, new................... 2,223 e/ 1,281 1,808 2,235 2,531 2,675 3,412 Cars and trucks, used.................. 2,943 3,058 3,266 2,660 3,403 2,669 1,199 Other vehicles......................... 104 e/ 4 187 91 e/ 96 d/ d/ Gasoline and motor oil................... 1,812 1,399 1,526 1,854 2,107 1,889 1,639 Other vehicle expenses................... 3,201 1,912 2,769 3,231 3,809 3,420 2,853 Vehicle finance charges................ 514 301 561 513 539 478 308 Maintenance and repairs................ 844 514 664 833 1,108 841 884 Vehicle insurance...................... 1,059 669 863 1,048 1,316 1,209 1,061 Vehicle rental, leases, licenses, other charges.............................. 783 427 680 837 847 892 600 Public transportation.................... 460 268 263 443 656 539 899 Health care................................. 2,198 891 1,588 2,206 2,806 2,530 3,442 Health insurance......................... 1,085 424 869 1,088 1,257 1,224 2,068 Medical services......................... 666 259 437 691 943 602 674 Drugs.................................... 347 177 220 327 459 581 604 Medical supplies......................... 100 e/ 31 62 99 147 123 97 Entertainment............................... 2,792 1,308 2,036 3,137 3,385 2,346 2,203 Fees and admissions...................... 824 261 439 960 1,133 746 512 Television, radios, sound equipment...... 913 630 704 985 1,039 857 1,068 Pets, toys, and playground equipment..... 473 298 401 531 481 512 303 Other entertainment supplies, equipment,and services.................. 583 119 491 661 733 231 320 Personal care products and services......... 675 471 575 689 783 796 494 Reading..................................... 162 56 104 176 211 164 180 Education................................... 1,005 1,551 385 797 1,885 1,049 1,616 Tobacco products and smoking supplies....... 369 435 344 376 329 567 347 Miscellaneous............................... 1,072 391 653 802 1,177 1,108 8,301 Cash contributions.......................... 1,233 258 733 1,188 1,934 1,433 1,442 Personal insurance and pensions............. 5,256 2,065 4,056 6,057 5,802 5,292 3,346 Life and other personal insurance........ 562 99 379 615 726 594 572 Pensions and Social Security............. 4,694 1,966 3,678 5,442 5,076 4,698 2,774 Sources of income and personal taxes: a/ Money income before taxes.................. 65,091 29,531 52,040 70,709 76,090 69,578 49,458 Wages and salaries....................... 58,049 26,298 49,060 64,081 66,023 57,306 28,448 Self-employment income................... 3,431 e/ 691 1,124 3,834 5,330 5,412 e/ 3,168 Social Security, private and government retirement................... 1,557 e/ 212 667 733 1,708 4,964 15,760 Interest, dividends, rental income, other property income................... 854 e/ 163 186 841 1,762 827 970 Unemployment and workers'' compensation, veterans'' benefits..................... 272 e/ 72 176 382 212 274 e/ 181 Public assistance, supplemental security, income, food stamps..................... 346 719 353 319 258 402 768 Regular contributions for support........ 475 1,106 392 406 686 e/ 308 e/ 129 Other income............................. 106 270 82 112 111 e/ 85 e/ 33 Personal taxes............................. 4,082 439 2,253 4,997 5,258 4,529 1,380 Federal income taxes..................... 3,178 208 1,645 3,974 4,068 3,623 946 State and local income taxes............. 733 221 523 828 950 734 192 Other taxes.............................. 171 e/ 10 85 195 239 171 241 Income after taxes......................... 61,009 29,092 49,787 65,712 70,832 65,049 48,079 Net change in total assets and liabilities... -1,517 3,448 -5,295 -8,897 1,389 -7,469 117,793 Net change in total assets............... 10,779 10,939 8,485 6,712 9,416 -1,196 120,491 Net change in total liabilities.......... 12,296 7,491 13,781 15,609 8,027 6,273 2,698 Other financial information: Other money receipts..................... 315 e/ 1 175 342 283 259 1,816 Mortgage principal paid on owned property................................ -2,120 -162 -1,805 -2,356 -2,346 -2,546 -1,201 Estimated market value of owned home..... 138,807 19,669 79,700 137,958 160,671 136,721 619,171 Estimated monthly rental value of owned home.................................... 847 168 623 935 1,008 884 952 Gifts of goods and services................. 1,009 606 594 885 1,732 1,236 736 Food..................................... 77 e/ 26 42 49 145 e/ 238 e/ 9 Alcoholic beverages...................... 18 e/ 18 10 27 9 25 e/ 2 Housing.................................. 278 177 209 265 419 263 129 Housekeeping supplies.................. 43 e/ 19 31 46 54 75 e/ 6 Household textiles..................... 15 e/ 12 e/ 17 16 16 e/ 5 c/ Appliances and miscellaneous housewares........................... 21 e/ 2 11 29 27 e/ 6 e/ 15 Major appliances..................... 3 d/ e/ 2 3 8 d/ e/ 3 Small appliances and miscellaneous housewares......................... 18 e/ 2 9 26 19 e/ 6 e/ 12 Miscellaneous household equipment...... 66 e/ 28 40 68 95 84 66 Other housing.......................... 132 116 109 107 227 94 e/ 42 Apparel and services..................... 259 290 183 253 370 228 131 Males, 2 and over...................... 52 122 35 41 80 55 32 Females, 2 and over.................... 84 e/ 51 42 73 166 67 e/ 17 Children under 2....................... 72 83 69 80 72 62 e/ 14 Other apparel products and services.... 51 e/ 33 37 60 52 e/ 45 e/ 68 Jewelry and watches.................. 12 e/ 5 5 11 15 e/ 14 e/ 57 All other apparel products and services............................ 39 e/ 29 31 49 37 e/ 31 e/ 11 Transportation........................... 39 e/ 1 20 27 67 19 229 Health care.............................. 25 e/ 2 e/ 10 10 76 e/ 20 e/ 8 Entertainment............................ 79 e/ 25 64 81 106 85 37 Toys, games, hobbies, and tricycles.... 23 e/ 14 20 24 24 35 e/ 18 Other entertainment.................... 56 e/ 11 45 57 81 50 18 Personal care products and services...... 20 e/ 8 10 27 14 49 e/ 1 Reading.................................. 1 d/ 1 1 2 e/ 1 e/ 1 Education................................ 165 e/ 30 21 112 456 109 e/ 132 All other gifts.......................... 49 28 25 34 69 198 57 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 No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.