Table 3650. Consumer units of five or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 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)...... 11,253 404 2,625 4,796 2,384 710 335 Income before taxes a/ ...................... $64,012 $37,400 $46,287 $67,122 $85,365 $60,087 $50,460 Income after taxes a/ ....................... 62,155 37,457 45,800 64,893 82,229 58,051 50,210 Age of the reference person.................. 40.8 21.5 30.5 39.5 48.4 58.7 72.4 Average number in consumer unit: Persons..................................... 5.6 5.8 5.6 5.5 5.6 5.9 5.8 Children under 18........................... 2.8 2.7 3.2 3.0 2.2 1.9 1.9 Persons 65 and over......................... .1 b/ .1 .1 .1 .2 1.4 Earners..................................... 2.2 2.3 1.9 2.1 2.8 2.7 2.1 Vehicles.................................... 2.6 2.0 2.0 2.6 3.2 2.9 2.0 Percent distribution: Male........................................ 51 43 43 50 61 62 45 Female...................................... 49 57 57 50 39 38 55 Homeowner................................... 72 35 55 77 84 82 84 With mortgage.............................. 58 26 47 64 67 55 36 Without mortgage........................... 14 9 8 12 17 27 49 Renter...................................... 28 65 45 23 16 18 16 Black or African American................... 15 19 16 14 11 17 40 White, Asian, and All Other Races........... 85 81 84 86 89 83 60 Elementary (1-8)............................ 8 6 9 6 7 15 25 High school (9-12).......................... 42 66 48 41 34 49 37 College..................................... 49 26 42 53 59 35 38 Never attended and other.................... c/ 1 c/ c/ c/ 1 c/ At least one vehicle owned or leased........ 93 87 90 94 96 96 88 Average annual expenditures.................. $54,003 $37,386 $43,339 $55,472 $66,427 $55,287 $46,311 Food........................................ 8,238 6,894 7,200 8,274 9,439 8,055 9,766 Food at home............................. 5,201 4,767 4,670 5,130 5,722 5,438 7,071 Cereals and bakery products............ 796 778 706 807 854 798 956 Cereals and cereal products.......... 292 313 253 294 323 274 330 Bakery products...................... 504 465 453 513 531 523 626 Meats, poultry, fish, and eggs......... 1,411 1,324 1,364 1,309 1,530 1,557 2,420 Beef................................. 427 346 451 387 477 417 656 Pork................................. 280 269 288 254 291 310 499 Other meats.......................... 178 150 148 176 183 256 345 Poultry.............................. 269 294 248 251 296 273 455 Fish and seafood..................... 197 193 173 180 225 240 373 Eggs................................. 61 71 56 61 58 61 92 Dairy products......................... 553 441 476 581 596 555 618 Fresh milk and cream................. 238 224 215 249 241 226 263 Other dairy products................. 315 216 261 332 355 328 355 Fruits and vegetables.................. 861 938 765 831 991 827 1,094 Fresh fruits......................... 277 261 235 268 340 260 348 Fresh vegetables..................... 266 308 239 252 308 241 368 Processed fruits..................... 190 232 171 185 214 169 221 Processed vegetables................. 129 137 120 126 129 158 157 Other food at home..................... 1,579 1,286 1,359 1,602 1,752 1,702 1,983 Sugar and other sweets............... 193 131 165 203 198 232 242 Fats and oils........................ 140 116 128 132 149 165 264 Miscellaneous foods.................. 781 695 678 793 874 802 835 Nonalcoholic beverages............... 417 333 356 416 474 449 605 Food prepared by consumer unit on out-of-town trips................... 49 d/ 11 31 57 57 54 d/ 37 Food away from home.................... 3,038 2,127 2,530 3,144 3,718 2,617 2,695 Alcoholic beverages......................... 347 438 266 349 415 285 420 Housing..................................... 17,287 12,384 14,789 17,958 20,441 16,627 12,410 Shelter.................................. 9,942 7,663 8,597 10,298 11,777 9,386 6,248 Owned dwellings........................ 7,324 2,473 4,970 8,049 9,708 7,227 4,477 Mortgage interest and charges........ 4,753 1,721 3,518 5,264 6,154 4,091 2,195 Property taxes....................... 1,626 532 924 1,777 2,241 1,766 1,610 Maintenance, repairs, insurance,other expenses............................ 945 220 528 1,008 1,313 1,369 673 Rented dwellings....................... 2,161 4,973 3,452 1,815 1,280 1,479 1,307 Other lodging.......................... 458 d/ 216 175 434 789 680 463 Utilities, fuels, and public services.... 3,733 2,755 3,184 3,752 4,321 4,162 3,837 Natural gas............................ 513 296 417 524 607 514 698 Electricity............................ 1,390 1,013 1,185 1,415 1,568 1,565 1,456 Fuel oil and other fuels............... 117 d/ 27 91 110 162 189 d/ 71 Telephone services..................... 1,246 1,061 1,130 1,226 1,447 1,290 1,133 Water and other public services........ 466 358 362 477 537 604 479 Household operations..................... 948 474 976 1,086 848 709 529 Personal services...................... 529 358 695 640 276 259 219 Other household expenses............... 418 116 281 446 571 450 310 Housekeeping supplies.................... 705 477 529 712 928 842 524 Laundry and cleaning supplies.......... 216 173 192 213 250 271 199 Other household products............... 349 238 239 352 485 432 224 Postage and stationery................. 140 66 98 147 193 138 101 Household furnishings and equipment...... 1,960 1,016 1,502 2,109 2,568 1,528 1,272 Household textiles..................... 169 324 109 128 275 235 143 Furniture.............................. 506 256 430 628 482 212 444 Floor coverings........................ 49 d/ 18 24 53 78 d/ 51 d/ 20 Major appliances....................... 281 131 200 310 373 196 226 Small appliances, miscellaneous housewares............................ 125 62 127 101 207 97 41 Miscellaneous household equipment...... 829 225 612 889 1,153 738 397 Apparel and services........................ 2,916 2,344 2,790 2,909 3,146 2,487 4,178 Men and boys............................. 735 508 572 770 853 641 1,161 Men, 16 and over....................... 450 357 306 430 586 464 1,032 Boys, 2 to 15.......................... 285 151 266 340 267 178 129 Women and girls.......................... 1,025 781 848 1,009 1,248 1,055 1,479 Women, 16 and over..................... 673 444 549 587 911 869 1,307 Girls, 2 to 15......................... 352 337 299 422 337 186 172 Children under 2......................... 188 330 262 172 134 116 164 Footwear................................. 650 504 768 628 578 448 1,175 Other apparel products and services...... 318 222 340 329 332 227 198 Transportation.............................. 10,345 6,540 8,296 10,621 12,145 13,175 8,290 Vehicle purchases (net outlay)........... 4,841 2,858 4,121 5,095 4,977 6,917 d/ 3,870 Cars and trucks, new................... 1,962 d/ 476 1,196 2,437 1,843 2,923 d/ 1,789 Cars and trucks, used.................. 2,795 2,382 2,822 2,553 3,067 3,994 2,081 Other vehicles......................... 83 e/ d/ 104 106 d/ 67 e/ e/ Gasoline and motor oil................... 1,883 1,515 1,512 1,916 2,242 2,128 1,707 Other vehicle expenses................... 3,243 1,887 2,424 3,270 4,314 3,730 2,277 Vehicle finance charges................ 600 386 494 640 693 631 374 Maintenance and repairs................ 810 459 544 847 1,091 962 500 Vehicle insurance...................... 1,239 846 897 1,189 1,732 1,560 945 Vehicle rental, leases, licenses, other charges.............................. 594 195 489 594 799 578 458 Public transportation.................... 378 280 240 339 612 400 436 Health care................................. 2,360 1,280 1,626 2,431 2,985 2,995 2,621 Health insurance......................... 1,185 677 824 1,265 1,391 1,382 1,584 Medical services......................... 710 239 521 749 930 815 400 Drugs.................................... 358 342 230 305 502 664 516 Medical supplies......................... 107 d/ 21 51 113 162 133 121 Entertainment............................... 2,791 1,464 2,089 3,200 3,334 1,969 1,900 Fees and admissions...................... 733 274 446 794 1,147 458 303 Television, radios, sound equipment...... 910 564 785 958 1,054 838 746 Pets, toys, and playground equipment..... 465 274 455 489 460 508 403 Other entertainment supplies, equipment,and services.................. 684 352 402 959 673 165 448 Personal care products and services......... 697 527 579 730 797 664 711 Reading..................................... 121 62 68 116 188 151 128 Education................................... 1,198 697 415 1,057 2,459 1,316 705 Tobacco products and smoking supplies....... 398 359 396 329 455 643 527 Miscellaneous............................... 853 905 621 786 1,111 1,081 1,216 Cash contributions.......................... 1,453 852 767 1,449 2,536 941 989 Personal insurance and pensions............. 4,999 2,640 3,438 5,263 6,973 4,898 2,448 Life and other personal insurance........ 502 142 216 527 825 561 387 Pensions and Social Security............. 4,497 2,498 3,221 4,736 6,148 4,337 2,061 Sources of income and personal taxes: a/ Money income before taxes.................. 64,012 37,400 46,287 67,122 85,365 60,087 50,460 Wages and salaries....................... 57,262 30,508 42,542 61,567 74,969 50,657 32,748 Self-employment income................... 2,849 d/ 4,350 1,303 2,272 6,489 851 d/ -34 Social Security, private and government retirement................... 1,805 d/ 552 514 1,211 1,828 6,095 14,363 Interest, dividends, rental income, other property income................... 493 30 138 630 563 429 1,825 Unemployment and workers'' compensation, veterans'' benefits..................... 329 d/ 55 319 267 426 657 d/ 183 Public assistance, supplemental security, income, food stamps..................... 710 1,258 829 606 623 846 901 Regular contributions for support........ 383 d/ 512 464 346 347 387 d/ 340 Other income............................. 181 d/ 135 177 222 120 165 d/ 134 Personal taxes............................. 1,857 -57 487 2,229 3,136 2,036 250 Federal income taxes..................... 1,169 -243 185 1,486 2,081 1,063 -99 State and local income taxes............. 493 154 227 576 753 408 177 Other taxes.............................. 195 d/ 32 75 167 302 564 171 Income after taxes......................... 62,155 37,457 45,800 64,893 82,229 58,051 50,210 Net change in total assets and liabilities... -12,456 13,622 -7,146 -14,159 -17,577 -23,457 -1,384 Net change in total assets............... 11,545 18,638 8,988 14,232 9,430 9,529 3,877 Net change in total liabilities.......... 24,002 5,016 16,134 28,391 27,007 32,986 5,261 Other financial information: Other money receipts..................... 322 d/ 205 108 299 485 114 d/ 1,769 Mortgage principal paid on owned property................................ -2,191 -800 -1,134 -2,366 -3,127 -3,096 -1,071 Estimated market value of owned home..... 141,567 46,009 83,049 154,192 194,715 148,923 140,779 Estimated monthly rental value of owned home.................................... 894 322 599 968 1,138 998 892 Gifts of goods and services................. 866 573 575 743 1,297 1,101 1,731 Food..................................... 67 d/ 25 35 44 155 d/ 56 d/ 120 Alcoholic beverages...................... 20 d/ 38 d/ 3 26 18 d/ 16 d/ 77 Housing.................................. 234 56 264 188 343 226 170 Housekeeping supplies.................. 34 d/ 7 23 32 59 42 d/ 3 Household textiles..................... 8 d/ 1 8 d/ 3 8 d/ 49 d/ 15 Appliances and miscellaneous housewares........................... 14 c/ 15 11 17 d/ 17 d/ 47 Major appliances..................... 2 e/ c/ c/ d/ 1 e/ d/ 46 Small appliances and miscellaneous housewares......................... 12 c/ d/ 14 11 15 d/ 17 c/ Miscellaneous household equipment...... 54 d/ 11 41 53 86 d/ 29 d/ 63 Other housing.......................... 124 d/ 36 178 88 173 89 d/ 42 Apparel and services..................... 224 322 127 204 289 162 821 Males, 2 and over...................... 55 46 26 52 81 33 d/ 181 Females, 2 and over.................... 73 91 40 55 95 64 452 Children under 2....................... 62 103 48 61 82 30 d/ 55 Other apparel products and services.... 35 d/ 82 d/ 14 36 31 d/ 35 d/ 133 Jewelry and watches.................. 8 d/ 41 d/ 3 8 9 d/ 7 d/ 12 All other apparel products and services............................ 26 d/ 41 d/ 11 28 d/ 22 d/ 28 d/ 121 Transportation........................... 19 44 25 13 22 11 d/ 20 Health care.............................. 15 d/ 13 d/ 8 19 11 d/ 36 d/ 14 Entertainment............................ 66 d/ 33 35 79 79 49 d/ 101 Toys, games, hobbies, and tricycles.... 16 d/ 5 14 17 14 d/ 31 d/ 10 Other entertainment.................... 51 d/ 28 21 62 65 d/ 18 d/ 91 Personal care products and services...... 19 d/ 7 18 16 33 d/ 17 d/ 2 Reading.................................. 1 c/ c/ 1 d/ 1 d/ 8 e/ Education................................ 131 d/ 20 20 108 272 215 d/ 288 All other gifts.......................... 68 d/ 15 39 46 76 306 119 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.