Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Total Under 65 and Item three 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 16,916 1,013 3,635 4,522 4,394 1,877 1,475 Income before taxes a/ ...................... $58,310 $29,601 $52,073 $59,273 $69,548 $70,333 $43,313 Income after taxes a/ ....................... 55,359 29,311 49,534 56,550 65,390 65,890 42,124 Age of the reference person.................. 43.9 21.7 29.9 39.6 49.1 58.8 72.0 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 .9 1.1 1.0 .6 .3 .2 Persons 65 and over......................... .2 b/ b/ b/ .0 .2 1.5 Earners..................................... 1.8 1.7 1.7 1.7 2.1 1.9 1.2 Vehicles.................................... 2.3 1.6 2.0 2.2 2.8 2.7 2.3 Percent distribution: Male........................................ 51 36 52 44 54 61 59 Female...................................... 49 64 48 56 46 39 41 Homeowner................................... 69 22 53 67 83 85 88 With mortgage.............................. 50 14 46 55 61 51 35 Without mortgage........................... 20 9 8 13 22 34 54 Renter...................................... 31 78 47 33 17 15 12 Black....................................... 16 18 18 16 13 14 17 White and other............................. 84 82 82 84 87 86 83 Elementary (1-8)............................ 5 2 3 3 4 7 17 High school (9-12).......................... 40 55 38 38 35 43 48 College..................................... 55 43 59 59 61 50 33 Never attended and other.................... c/ d/ c/ c/ c/ c/ 2 At least one vehicle owned or leased........ 92 81 91 93 95 94 91 Average annual expenditures.................. $46,831 $32,228 $41,779 $46,932 $55,085 $53,058 $36,354 Food........................................ 6,285 4,780 5,574 6,148 7,281 7,302 5,286 Food at home............................. 3,715 2,727 3,439 3,601 4,199 4,059 3,734 Cereals and bakery products............ 525 393 472 508 596 562 565 Cereals and cereal products.......... 183 161 179 181 198 174 181 Bakery products...................... 342 232 293 327 398 388 384 Meats, poultry, fish, and eggs......... 1,013 737 898 991 1,154 1,120 1,057 Beef................................. 296 213 263 297 338 332 278 Pork................................. 216 184 178 218 234 224 272 Other meats.......................... 131 78 108 124 167 148 125 Poultry.............................. 187 146 185 181 204 190 198 Fish and seafood..................... 142 86 126 133 165 185 140 Eggs................................. 40 31 37 38 46 41 45 Dairy products......................... 396 263 389 387 441 414 405 Fresh milk and cream................. 157 117 164 153 167 154 165 Other dairy products................. 239 146 225 234 274 260 240 Fruits and vegetables.................. 627 404 571 603 705 743 666 Fresh fruits......................... 192 130 172 179 215 246 194 Fresh vegetables..................... 196 114 181 180 228 239 206 Processed fruits..................... 136 95 126 142 141 153 147 Processed vegetables................. 103 65 93 102 121 105 118 Other food at home..................... 1,154 929 1,108 1,112 1,302 1,220 1,041 Sugar and other sweets............... 128 83 105 134 143 149 142 Fats and oils........................ 102 66 91 90 124 121 109 Miscellaneous foods.................. 581 510 626 554 610 589 505 Nonalcoholic beverages............... 304 248 262 292 372 312 263 Food prepared by consumer unit on out-of-town trips................... 39 22 25 43 53 49 23 Food away from home.................... 2,570 2,053 2,135 2,547 3,082 3,243 1,552 Alcoholic beverages......................... 358 363 287 333 480 332 217 Housing..................................... 14,969 10,494 14,636 15,894 16,419 15,295 11,323 Shelter.................................. 8,608 6,641 8,392 9,468 9,445 8,298 5,751 Owned dwellings........................ 5,933 1,549 4,997 6,537 7,314 6,478 4,594 Mortgage interest and charges........ 3,706 1,006 3,545 4,379 4,470 3,381 2,030 Property taxes....................... 1,288 347 862 1,286 1,635 1,789 1,314 Maintenance, repairs, insurance,other expenses............................ 940 195 590 872 1,209 1,308 1,250 Rented dwellings....................... 2,201 4,922 3,173 2,511 1,422 1,022 811 Other lodging.......................... 473 170 222 420 710 798 346 Utilities, fuels, and public services.... 3,157 2,038 2,745 3,155 3,540 3,652 3,174 Natural gas............................ 413 215 349 424 466 468 448 Electricity............................ 1,151 778 979 1,147 1,279 1,324 1,244 Fuel oil and other fuels............... 99 e/ 23 58 81 105 215 142 Telephone services..................... 1,126 862 1,078 1,123 1,262 1,227 902 Water and other public services........ 367 159 281 381 427 419 438 Household operations..................... 928 534 1,361 1,126 668 673 624 Personal services...................... 538 413 1,116 713 186 173 182 Other household expenses............... 390 121 245 413 482 500 442 Housekeeping supplies.................... 556 294 485 532 666 663 584 Laundry and cleaning supplies.......... 154 104 140 143 172 187 172 Other household products............... 258 115 216 260 326 304 217 Postage and stationery................. 144 74 129 129 167 172 196 Household furnishings and equipment...... 1,720 988 1,654 1,613 2,101 2,008 1,189 Household textiles..................... 127 77 98 128 173 140 67 Furniture.............................. 417 219 457 417 443 483 285 Floor coverings........................ 45 10 34 31 71 71 25 Major appliances....................... 184 156 149 201 204 197 150 Small appliances, miscellaneous housewares............................ 104 46 106 67 151 136 62 Miscellaneous household equipment...... 844 479 809 768 1,059 982 598 Apparel and services........................ 2,131 1,753 1,982 2,050 2,712 2,088 1,189 Men and boys............................. 507 339 455 474 703 440 322 Men, 16 and over....................... 400 285 342 315 598 392 269 Boys, 2 to 15.......................... 107 53 112 159 105 48 53 Women and girls.......................... 828 527 636 821 1,125 934 450 Women, 16 and over..................... 691 448 470 605 1,017 886 391 Girls, 2 to 15......................... 137 78 167 216 108 48 59 Children under 2......................... 149 320 336 117 60 56 24 Footwear................................. 341 323 298 351 411 311 222 Other apparel products and services...... 307 245 258 287 412 347 170 Transportation.............................. 9,683 7,679 8,941 9,268 11,557 10,930 6,987 Vehicle purchases (net outlay)........... 4,667 4,374 4,525 4,439 5,624 4,951 2,706 Cars and trucks, new................... 2,088 1,415 1,719 2,347 2,404 2,720 922 Cars and trucks, used.................. 2,492 2,888 2,713 2,026 3,101 2,098 1,784 Other vehicles......................... 88 e/ 71 e/ 93 e/ 66 e/ 120 e/ 133 d/ Gasoline and motor oil................... 1,536 1,160 1,420 1,491 1,791 1,682 1,268 Other vehicle expenses................... 3,076 1,823 2,745 2,907 3,713 3,658 2,629 Vehicle finance charges................ 497 339 566 494 520 527 340 Maintenance and repairs................ 813 516 565 769 1,062 1,023 757 Vehicle insurance...................... 1,075 678 933 966 1,325 1,265 1,047 Vehicle rental, leases, licenses, other charges.............................. 691 291 680 679 807 843 486 Public transportation.................... 404 322 251 431 428 640 385 Health care................................. 2,383 784 1,494 2,010 2,864 3,635 3,814 Health insurance......................... 1,192 432 804 1,089 1,423 1,503 1,906 Medical services......................... 624 214 422 502 762 1,160 688 Drugs.................................... 462 115 212 324 560 797 1,033 Medical supplies......................... 105 23 56 96 119 175 188 Entertainment............................... 2,224 1,506 1,957 2,493 2,525 2,469 1,340 Fees and admissions...................... 530 232 370 640 674 608 269 Television, radios, sound equipment...... 781 583 729 824 861 822 637 Pets, toys, and playground equipment..... 408 267 403 431 470 421 256 Other entertainment supplies, equipment,and services.................. 504 424 456 600 520 618 177 Personal care products and services......... 584 413 501 547 709 628 580 Reading..................................... 141 56 93 140 176 190 160 Education................................... 884 670 360 736 1,546 1,308 266 Tobacco products and smoking supplies....... 408 537 370 390 441 471 287 Miscellaneous............................... 851 668 577 761 1,050 1,056 1,051 Cash contributions.......................... 1,185 393 737 1,243 1,553 1,413 1,272 Personal insurance and pensions............. 4,744 2,131 4,270 4,919 5,772 5,941 2,582 Life and other personal insurance........ 513 98 294 434 695 845 616 Pensions and Social Security............. 4,231 2,033 3,976 4,485 5,078 5,097 1,965 Sources of income and personal taxes: a/ Money income before taxes.................. 58,310 29,601 52,073 59,273 69,548 70,333 43,313 Wages and salaries....................... 51,008 27,311 49,628 54,810 62,080 56,466 20,239 Self-employment income................... 2,091 541 753 1,690 3,832 3,372 1,117 Social Security, private and government retirement................... 3,389 e/ 100 326 955 2,000 7,705 19,528 Interest, dividends, rental income, other property income................... 590 254 196 432 648 1,536 958 Unemployment and workers'' compensation, veterans'' benefits..................... 261 122 220 249 280 500 151 Public assistance, supplemental security, income, food stamps..................... 434 706 441 386 213 524 906 Regular contributions for support........ 421 367 417 645 341 114 385 Other income............................. 115 199 92 107 153 116 e/ 30 Personal taxes............................. 2,951 290 2,540 2,723 4,158 4,444 1,189 Federal income taxes..................... 2,235 185 1,861 2,093 3,171 3,420 848 State and local income taxes............. 590 101 597 545 808 794 169 Other taxes.............................. 126 4 82 85 178 230 172 Income after taxes......................... 55,359 29,311 49,534 56,550 65,390 65,890 42,124 Net change in total assets and liabilities... -6,368 2,144 -4,027 -13,923 -5,681 -2,773 -1,436 Net change in total assets............... 5,986 7,657 10,011 5,253 4,172 5,479 3,218 Net change in total liabilities.......... 12,354 5,513 14,038 19,176 9,853 8,253 4,655 Other financial information: Other money receipts..................... 491 686 349 457 658 316 531 Mortgage principal paid on owned property................................ -1,672 -426 -1,005 -1,735 -2,430 -2,116 -1,152 Estimated market value of owned home..... 109,895 25,082 72,864 106,257 139,442 156,667 122,997 Estimated monthly rental value of owned home.................................... 756 216 553 754 919 982 865 Gifts of goods and services................. 1,258 665 622 913 2,219 1,809 719 Food..................................... 110 e/ 63 19 70 240 149 48 Alcoholic beverages...................... 12 e/ 17 11 6 15 16 12 Housing.................................. 311 154 232 232 469 454 199 Housekeeping supplies.................. 48 28 52 43 50 69 33 Household textiles..................... 10 e/ 3 e/ 11 e/ 6 17 e/ 7 e/ 9 Appliances and miscellaneous housewares........................... 27 e/ 4 23 17 33 69 e/ 14 Major appliances..................... 8 e/ 1 e/ 10 e/ 8 7 20 e/ 2 Small appliances and miscellaneous housewares......................... 19 e/ 3 13 10 26 49 e/ 12 Miscellaneous household equipment...... 70 53 48 52 99 106 48 Other housing.......................... 157 65 98 113 271 203 96 Apparel and services..................... 257 221 216 194 322 367 242 Males, 2 and over...................... 70 47 41 53 101 90 99 Females, 2 and over.................... 84 28 69 48 121 150 78 Children under 2....................... 56 88 78 50 47 51 21 Other apparel products and services.... 48 e/ 58 28 44 53 76 43 Jewelry and watches.................. 15 e/ 13 15 15 13 23 e/ 10 All other apparel products and services............................ 33 e/ 45 e/ 13 29 40 e/ 53 e/ 33 Transportation........................... 90 16 16 81 227 38 11 Health care.............................. 38 e/ 2 e/ 17 18 76 62 e/ 27 Entertainment............................ 72 105 59 62 92 78 50 Toys, games, hobbies, and tricycles.... 27 e/ 10 24 19 37 39 22 Other entertainment.................... 46 95 35 43 55 38 28 Personal care products and services...... 22 16 12 25 27 21 32 Reading.................................. 1 c/ 1 1 1 1 1 Education................................ 280 57 18 155 663 498 44 All other gifts.......................... 65 15 22 68 87 125 54 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.