Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Total Item two or Under 25-34 35-44 45-54 55-64 65 and 65-74 75 and more 25 over over persons Number of consumer units (in thousands)...... 78,304 3,909 14,465 20,338 17,289 10,668 11,636 7,065 4,570 Income before taxes a/ ...................... $57,902 $31,674 $53,314 $64,630 $71,292 $61,548 $38,204 $42,092 $32,088 Income after taxes a/ ....................... 54,814 31,052 50,878 61,231 66,689 57,880 36,708 40,196 31,221 Age of the reference person.................. 46.7 21.8 29.9 39.6 49.2 59.1 73.4 69.2 79.9 Average number in consumer unit: Persons..................................... 3.1 2.9 3.4 3.7 3.2 2.6 2.3 2.4 2.2 Children under 18........................... .9 .8 1.4 1.6 .8 .2 .1 .1 .1 Persons 65 and over......................... .3 b/ b/ b/ .1 .1 1.7 1.6 1.8 Earners..................................... 1.7 1.8 1.7 1.8 2.1 1.6 .7 .8 .5 Vehicles.................................... 2.3 1.7 2.0 2.4 2.8 2.6 2.1 2.3 1.7 Percent distribution: Male........................................ 54 40 51 49 55 61 64 65 63 Female...................................... 46 60 49 51 45 39 36 35 37 Homeowner................................... 73 23 54 72 82 86 88 89 87 With mortgage.............................. 48 14 45 61 62 46 24 30 14 Without mortgage........................... 24 9 8 11 20 40 65 59 73 Renter...................................... 27 77 46 28 18 14 12 11 13 Black....................................... 12 16 14 14 12 10 9 10 8 White and other............................. 88 84 86 86 88 90 91 90 92 Elementary (1-8)............................ 5 3 4 3 4 6 12 10 15 High school (9-12).......................... 39 45 37 38 35 40 46 47 45 College..................................... 55 52 59 59 61 53 41 43 39 Never attended and other.................... c/ 1 c/ c/ c/ c/ 1 1 c/ At least one vehicle owned or leased........ 93 84 91 94 95 95 93 94 90 Average annual expenditures.................. $46,859 $31,985 $43,198 $51,340 $54,307 $49,093 $35,562 $38,669 $30,781 Food........................................ 6,343 4,920 5,862 6,911 7,246 6,425 5,064 5,393 4,564 Food at home............................. 3,712 2,812 3,462 4,041 4,117 3,677 3,227 3,372 3,009 Cereals and bakery products............ 542 413 494 610 589 514 491 493 488 Cereals and cereal products.......... 188 162 186 215 200 163 155 152 158 Bakery products...................... 354 251 308 395 388 350 336 341 330 Meats, poultry, fish, and eggs......... 993 742 941 1,049 1,119 999 864 920 779 Beef................................. 296 219 290 308 338 289 259 286 219 Pork................................. 212 150 196 223 233 220 200 213 179 Other meats.......................... 123 88 110 140 138 122 105 111 96 Poultry.............................. 181 148 182 196 206 166 141 143 139 Fish and seafood..................... 140 99 126 140 160 162 121 129 110 Eggs................................. 41 38 38 43 44 39 38 38 37 Dairy products......................... 395 285 369 447 430 380 343 355 324 Fresh milk and cream................. 158 124 155 180 168 141 136 136 137 Other dairy products................. 237 160 214 267 262 240 206 219 188 Fruits and vegetables.................. 636 463 572 663 710 654 614 623 601 Fresh fruits......................... 200 137 168 206 226 217 197 198 196 Fresh vegetables..................... 200 141 180 203 229 212 192 199 182 Processed fruits..................... 137 112 129 148 146 127 131 129 135 Processed vegetables................. 100 73 96 106 109 97 93 97 88 Other food at home..................... 1,145 909 1,086 1,273 1,269 1,130 915 981 815 Sugar and other sweets............... 139 88 118 159 151 143 126 135 113 Fats and oils........................ 103 73 94 106 119 105 98 106 86 Miscellaneous foods.................. 553 491 564 621 597 514 414 432 385 Nonalcoholic beverages............... 303 237 278 339 348 304 229 249 199 Food prepared by consumer unit on out-of-town trips................... 47 19 32 49 54 64 48 59 31 Food away from home.................... 2,631 2,108 2,400 2,870 3,128 2,749 1,836 2,021 1,555 Alcoholic beverages......................... 388 431 365 384 458 405 282 339 196 Housing..................................... 15,094 10,377 14,866 17,219 16,750 14,945 10,949 11,900 9,482 Shelter.................................. 8,707 6,497 8,936 10,209 9,734 8,110 5,564 6,158 4,647 Owned dwellings........................ 6,134 1,406 5,327 7,601 7,518 6,098 4,136 4,701 3,263 Mortgage interest and charges........ 3,625 841 3,679 5,007 4,568 2,999 1,250 1,614 689 Property taxes....................... 1,441 381 923 1,570 1,727 1,697 1,558 1,648 1,419 Maintenance, repairs, insurance,other expenses............................ 1,067 185 725 1,024 1,223 1,402 1,327 1,439 1,155 Rented dwellings....................... 1,990 4,909 3,332 2,091 1,425 1,059 853 748 1,016 Other lodging.......................... 584 181 277 516 791 952 575 708 369 Utilities, fuels, and public services.... 3,133 2,073 2,789 3,311 3,490 3,336 2,886 3,018 2,683 Natural gas............................ 420 208 361 445 461 446 437 430 449 Electricity............................ 1,152 755 983 1,224 1,270 1,247 1,106 1,163 1,019 Fuel oil and other fuels............... 114 38 68 109 125 158 150 144 158 Telephone services..................... 1,068 895 1,077 1,130 1,209 1,064 799 870 690 Water and other public services........ 379 176 301 404 424 421 394 411 367 Household operations..................... 822 381 1,004 1,104 682 593 672 695 638 Personal services...................... 397 256 745 649 197 108 135 75 227 Other household expenses............... 425 124 260 454 486 484 537 619 410 Housekeeping supplies.................... 635 328 472 661 719 857 586 634 514 Laundry and cleaning supplies.......... 159 125 148 171 172 161 142 157 118 Other household products............... 330 130 216 346 378 522 271 295 235 Postage and stationery................. 147 73 108 145 169 173 173 181 160 Household furnishings and equipment...... 1,796 1,098 1,665 1,934 2,125 2,050 1,240 1,397 999 Household textiles..................... 147 101 123 141 175 186 125 143 98 Furniture.............................. 478 303 528 528 524 510 289 326 232 Floor coverings........................ 51 11 32 54 69 67 44 52 31 Major appliances....................... 223 140 205 241 246 241 189 196 177 Small appliances, miscellaneous housewares............................ 111 87 92 104 136 150 83 97 61 Miscellaneous household equipment...... 786 456 685 865 975 896 510 582 400 Apparel and services........................ 2,093 1,630 2,139 2,365 2,512 1,969 1,212 1,406 917 Men and boys............................. 510 320 503 615 638 416 298 369 191 Men, 16 and over....................... 389 257 357 403 526 373 263 322 173 Boys, 2 to 15.......................... 121 63 146 211 112 43 36 47 18 Women and girls.......................... 817 563 708 906 1,029 887 510 579 406 Women, 16 and over..................... 661 482 530 619 890 824 470 532 375 Girls, 2 to 15......................... 156 81 177 287 139 63 40 47 31 Children under 2......................... 110 198 223 116 69 61 26 34 15 Footwear................................. 375 316 418 434 435 315 203 223 171 Other apparel products and services...... 281 232 287 294 340 291 174 201 133 Transportation.............................. 9,271 7,093 9,109 10,053 10,762 9,659 6,270 7,161 4,893 Vehicle purchases (net outlay)........... 4,416 3,677 4,537 4,916 5,056 4,451 2,660 3,138 1,921 Cars and trucks, new................... 2,101 998 1,705 2,481 2,403 2,465 1,517 1,713 1,215 Cars and trucks, used.................. 2,247 2,623 2,753 2,357 2,560 1,935 1,120 1,388 706 Other vehicles......................... 69 d/ 56 79 78 94 d/ 51 d/ 22 d/ 37 e/ Gasoline and motor oil................... 1,511 1,218 1,428 1,630 1,769 1,548 1,089 1,233 866 Other vehicle expenses................... 2,899 1,948 2,768 3,079 3,454 3,062 2,097 2,299 1,786 Vehicle finance charges................ 478 362 564 541 548 453 216 263 144 Maintenance and repairs................ 786 508 633 865 943 865 628 667 567 Vehicle insurance...................... 1,022 722 929 1,006 1,237 1,110 864 932 759 Vehicle rental, leases, licenses, other charges.............................. 614 356 642 668 726 633 389 435 317 Public transportation.................... 444 250 377 429 482 597 425 492 321 Health care................................. 2,596 888 1,542 2,108 2,717 3,374 4,445 4,324 4,632 Health insurance......................... 1,279 458 830 1,057 1,267 1,501 2,317 2,242 2,432 Medical services......................... 687 220 434 619 810 994 812 874 716 Drugs.................................... 513 171 219 334 511 728 1,118 1,019 1,273 Medical supplies......................... 117 40 59 98 129 152 198 189 212 Entertainment............................... 2,381 1,454 2,168 2,819 2,716 2,650 1,451 1,609 1,206 Fees and admissions...................... 629 299 498 789 741 690 402 462 308 Television, radios, sound equipment...... 767 583 757 847 876 760 546 611 446 Pets, toys, and playground equipment..... 419 283 408 489 481 447 237 274 181 Other entertainment supplies, equipment,and services.................. 566 289 506 694 618 753 266 262 271 Personal care products and services......... 588 408 516 627 667 608 537 574 482 Reading..................................... 153 62 105 140 180 202 177 183 168 Education................................... 787 1,139 484 809 1,375 677 235 292 146 Tobacco products and smoking supplies....... 360 394 349 393 416 381 202 254 122 Miscellaneous............................... 860 518 656 817 997 902 1,061 1,221 813 Cash contributions.......................... 1,367 481 780 1,282 1,620 1,693 1,871 1,771 2,027 Personal insurance and pensions............. 4,580 2,191 4,256 5,414 5,891 5,204 1,806 2,240 1,134 Life and other personal insurance........ 504 79 278 462 653 766 539 617 417 Pensions and Social Security............. 4,076 2,112 3,979 4,952 5,238 4,438 1,267 1,623 717 Sources of income and personal taxes: a/ Money income before taxes.................. 57,902 31,674 53,314 64,630 71,292 61,548 38,204 42,092 32,088 Wages and salaries....................... 48,010 28,708 50,073 58,815 63,135 46,915 12,198 16,524 5,392 Self-employment income................... 2,724 889 1,584 3,098 4,021 3,459 1,600 1,821 1,253 Social Security, private and government retirement................... 5,127 245 421 880 2,066 8,386 21,625 21,231 22,244 Interest, dividends, rental income, other property income................... 932 143 175 612 968 1,758 1,921 1,768 2,162 Unemployment and workers'' compensation, veterans'' benefits..................... 239 102 202 267 275 383 101 132 52 Public assistance, supplemental security, income, food stamps..................... 406 575 357 426 367 444 397 416 366 Regular contributions for support........ 338 700 346 406 347 128 262 118 488 Other income............................. 127 311 155 125 113 74 101 82 131 Personal taxes............................. 3,088 621 2,436 3,399 4,602 3,669 1,496 1,896 867 Federal income taxes..................... 2,313 416 1,802 2,575 3,462 2,740 1,099 1,399 628 State and local income taxes............. 617 188 564 685 927 679 206 276 96 Other taxes.............................. 158 18 69 139 214 249 190 220 143 Income after taxes......................... 54,814 31,052 50,878 61,231 66,689 57,880 36,708 40,196 31,221 Net change in total assets and liabilities... -4,685 3,548 -5,399 -8,828 -6,577 -4,889 3,678 6,110 -82 Net change in total assets............... 7,207 8,832 11,043 7,080 6,304 3,865 6,522 9,751 1,530 Net change in total liabilities.......... 11,892 5,284 16,442 15,908 12,880 8,753 2,844 3,641 1,612 Other financial information: Other money receipts..................... 502 260 213 288 658 1,006 622 441 902 Mortgage principal paid on owned property................................ -1,719 -282 -1,183 -2,028 -2,461 -2,108 -869 -1,149 -437 Estimated market value of owned home..... 121,875 23,307 76,789 124,473 144,465 146,813 150,071 169,365 120,245 Estimated monthly rental value of owned home.................................... 804 206 577 845 945 950 871 906 818 Gifts of goods and services................. 1,150 545 647 906 1,782 1,721 952 1,090 741 Food..................................... 91 31 31 64 185 145 45 44 46 Alcoholic beverages...................... 15 14 15 20 15 12 10 14 4 Housing.................................. 295 157 236 240 410 405 241 278 185 Housekeeping supplies.................. 50 31 39 45 55 70 50 55 41 Household textiles..................... 15 d/ 4 15 10 16 31 16 18 13 Appliances and miscellaneous housewares........................... 29 15 18 21 35 58 25 27 23 Major appliances..................... 9 c/ 5 5 10 23 6 7 5 Small appliances and miscellaneous housewares......................... 20 14 13 16 24 35 20 21 18 Miscellaneous household equipment...... 69 39 45 62 88 100 61 73 43 Other housing.......................... 133 68 120 102 217 145 90 105 66 Apparel and services..................... 264 199 198 220 318 395 244 304 153 Males, 2 and over...................... 69 60 40 58 89 85 87 112 48 Females, 2 and over.................... 96 34 61 68 121 185 91 107 67 Children under 2....................... 52 58 67 52 54 52 25 31 14 Other apparel products and services.... 47 45 29 42 53 73 42 53 24 Jewelry and watches.................. 15 10 12 12 16 27 11 14 7 All other apparel products and services............................ 32 36 18 30 37 46 30 39 d/ 17 Transportation........................... 60 9 30 49 93 88 60 40 91 Health care.............................. 33 d/ 3 11 25 47 69 33 44 16 Entertainment............................ 83 47 56 75 112 117 69 80 52 Toys, games, hobbies, and tricycles.... 33 13 21 26 40 59 31 40 16 Other entertainment.................... 50 34 35 49 72 58 38 40 36 Personal care products and services...... 21 15 13 23 27 22 21 27 12 Reading.................................. 1 c/ c/ 1 1 2 3 3 4 Education................................ 206 44 27 128 473 330 112 118 103 All other gifts.......................... 80 25 29 61 101 136 114 139 76 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. e No data reported. n.a. Not applicable.