Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Total Under 65 and 75 and Item two 25 25-34 35-44 45-54 55-64 over 65-74 over persons Number of consumer units (in thousands)...... 35,840 1,968 4,555 4,490 7,304 7,844 9,679 5,593 4,086 Income before taxes a/ ...................... $54,404 $32,880 $60,866 $58,683 $67,472 $62,506 $38,038 $41,443 $33,333 Income after taxes a/ ....................... 51,157 31,824 57,347 55,317 63,227 58,882 35,541 39,594 29,940 Age of the reference person.................. 53.0 21.9 29.4 39.9 49.8 59.2 73.7 69.2 80.0 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .2 .2 .3 .1 b/ b/ b/ b/ Persons 65 and over......................... .5 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.2 1.6 1.7 1.5 1.6 1.3 .5 .6 .3 Vehicles.................................... 2.2 1.5 1.9 1.9 2.5 2.6 2.0 2.3 1.7 Percent distribution: Male........................................ 56 42 54 49 48 58 66 66 65 Female...................................... 44 58 46 51 52 42 34 34 35 Homeowner................................... 75 22 47 63 80 88 90 91 89 With mortgage.............................. 39 11 41 51 56 45 21 28 12 Without mortgage........................... 36 11 6 12 23 43 69 63 77 Renter...................................... 25 78 53 37 20 12 10 9 11 Black or African American................... 10 16 10 15 12 7 6 6 6 White, Asian, and All Other Races........... 90 84 90 85 88 93 94 94 94 Elementary (1-8)............................ 5 1 2 3 3 4 11 9 13 High school (9-12).......................... 38 37 23 38 38 36 45 45 44 College..................................... 57 62 75 59 59 59 44 46 42 Never attended and other.................... c/ c/ c/ d/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 93 84 92 90 95 96 93 95 91 Average annual expenditures.................. $42,771 $30,528 $44,418 $43,198 $47,623 $48,774 $35,766 $38,327 $32,202 Food........................................ 5,376 4,127 5,250 5,353 5,748 6,037 4,883 5,267 4,335 Food at home............................. 3,038 2,213 2,539 2,791 3,241 3,413 3,108 3,294 2,842 Cereals and bakery products............ 419 328 337 388 426 448 464 469 457 Cereals and cereal products.......... 137 121 127 137 136 141 142 141 142 Bakery products...................... 283 207 210 252 290 307 322 327 315 Meats, poultry, fish, and eggs......... 796 515 646 709 882 926 799 855 718 Beef................................. 237 150 191 202 271 284 228 265 176 Pork................................. 171 93 123 141 191 200 186 195 173 Other meats.......................... 96 79 76 96 105 103 98 101 93 Poultry.............................. 133 90 124 132 155 141 125 124 126 Fish and seafood..................... 124 78 104 104 125 161 122 129 111 Eggs................................. 35 26 29 34 35 37 39 40 38 Dairy products......................... 315 238 269 286 328 342 337 353 315 Fresh milk and cream................. 114 84 95 107 114 120 127 127 129 Other dairy products................. 202 154 174 178 214 222 210 227 186 Fruits and vegetables.................. 549 352 447 469 564 626 606 628 575 Fresh fruits......................... 180 109 139 146 186 213 198 204 190 Fresh vegetables..................... 182 105 151 166 188 199 203 212 191 Processed fruits..................... 105 81 87 85 103 119 118 118 117 Processed vegetables................. 83 57 69 70 87 96 87 94 77 Other food at home..................... 957 780 840 939 1,041 1,072 902 989 777 Sugar and other sweets............... 117 78 96 105 130 133 121 130 108 Fats and oils........................ 87 58 66 80 90 97 97 106 85 Miscellaneous foods.................. 450 434 410 444 484 493 415 451 363 Nonalcoholic beverages............... 256 193 233 270 291 288 220 241 191 Food prepared by consumer unit on out-of-town trips................... 47 18 36 40 47 61 49 62 31 Food away from home.................... 2,339 1,914 2,710 2,562 2,507 2,624 1,775 1,973 1,493 Alcoholic beverages......................... 461 514 569 533 496 500 302 371 204 Housing..................................... 13,460 9,481 14,983 14,926 14,753 14,985 10,669 11,353 9,722 Shelter.................................. 7,729 5,993 9,856 9,295 8,634 8,015 5,439 5,851 4,875 Owned dwellings........................ 5,244 1,135 5,142 6,123 6,404 6,208 4,065 4,526 3,434 Mortgage interest and charges........ 2,653 552 3,562 3,887 3,711 2,910 1,074 1,408 616 Property taxes....................... 1,431 438 958 1,283 1,475 1,858 1,546 1,598 1,473 Maintenance, repairs, insurance,other expenses............................ 1,160 145 622 952 1,217 1,440 1,446 1,520 1,344 Rented dwellings....................... 1,855 4,662 4,288 2,664 1,488 915 801 675 974 Other lodging.......................... 630 196 427 508 742 892 573 650 467 Utilities, fuels, and public services.... 2,823 1,860 2,470 2,738 3,068 3,150 2,774 2,889 2,616 Natural gas............................ 359 156 293 321 377 403 400 392 413 Electricity............................ 1,053 651 810 985 1,143 1,215 1,083 1,132 1,016 Fuel oil and other fuels............... 109 36 45 95 99 148 138 140 134 Telephone services..................... 960 875 1,093 1,035 1,083 984 769 831 682 Water and other public services........ 341 142 229 302 367 401 385 394 372 Household operations..................... 540 253 523 533 504 587 599 500 734 Personal services...................... 101 123 191 122 45 39 138 32 284 Other household expenses............... 439 130 332 411 458 548 460 468 450 Housekeeping supplies.................... 628 321 386 582 624 922 598 684 474 Laundry and cleaning supplies.......... 132 101 115 126 146 139 131 148 107 Other household products............... 342 130 158 311 328 597 295 346 222 Postage and stationery................. 155 89 112 145 150 186 172 190 144 Household furnishings and equipment...... 1,740 1,054 1,748 1,778 1,924 2,311 1,259 1,428 1,022 Household textiles..................... 155 91 176 138 150 198 137 153 115 Furniture.............................. 472 291 591 524 539 616 261 293 218 Floor coverings........................ 62 5 43 73 56 96 54 62 44 Major appliances....................... 220 111 221 178 257 267 194 215 165 Small appliances, miscellaneous housewares............................ 115 137 86 106 118 158 92 110 65 Miscellaneous household equipment...... 716 419 631 758 805 977 521 595 416 Apparel and services........................ 1,553 1,467 1,630 1,687 1,705 1,885 1,086 1,269 825 Men and boys............................. 332 212 357 404 379 369 245 282 192 Men, 16 and over....................... 299 195 318 349 345 335 224 257 178 Boys, 2 to 15.......................... 33 16 39 55 35 34 21 25 14 Women and girls.......................... 645 589 565 700 723 823 467 545 355 Women, 16 and over..................... 603 580 517 618 675 785 441 509 345 Girls, 2 to 15......................... 42 9 48 82 48 39 25 36 10 Children under 2......................... 42 78 63 26 38 60 20 24 15 Footwear................................. 254 325 261 283 285 274 183 208 146 Other apparel products and services...... 279 264 384 274 281 357 172 211 117 Transportation.............................. 8,404 7,526 9,816 8,218 9,577 9,248 6,438 7,264 5,306 Vehicle purchases (net outlay)........... 4,092 4,083 4,925 3,900 4,764 4,391 3,040 3,465 2,459 Cars and trucks, new................... 2,393 1,182 2,415 2,274 2,991 2,606 2,062 2,293 1,746 Cars and trucks, used.................. 1,635 2,805 2,447 1,569 1,637 1,755 947 1,119 712 Other vehicles......................... 63 e/ 96 e/ 63 e/ 57 136 e/ 30 e/ 31 e/ 54 d/ Gasoline and motor oil................... 1,324 1,245 1,410 1,329 1,521 1,470 1,030 1,195 806 Other vehicle expenses................... 2,523 2,017 2,872 2,559 2,859 2,782 1,982 2,183 1,705 Vehicle finance charges................ 394 373 566 484 505 402 185 239 112 Maintenance and repairs................ 702 510 637 702 755 827 632 705 531 Vehicle insurance...................... 939 751 1,057 906 1,072 970 812 846 765 Vehicle rental, leases, licenses, other charges.............................. 488 384 612 467 527 583 353 392 298 Public transportation.................... 466 181 609 430 433 604 385 421 336 Health care................................. 3,053 863 1,437 1,771 2,707 3,509 4,746 4,510 5,070 Health insurance......................... 1,546 438 763 839 1,228 1,750 2,541 2,450 2,665 Medical services......................... 700 232 385 491 813 900 793 812 768 Drugs.................................... 667 141 222 351 532 714 1,197 1,062 1,381 Medical supplies......................... 140 52 67 89 133 145 215 186 257 Entertainment............................... 2,272 1,406 2,333 2,117 2,551 2,839 1,820 2,237 1,242 Fees and admissions...................... 519 307 573 501 501 674 435 504 341 Television, radios, sound equipment...... 718 611 813 792 796 786 545 600 470 Pets, toys, and playground equipment..... 424 261 444 432 508 442 366 489 192 Other entertainment supplies, equipment,and services.................. 610 227 503 392 746 937 474 644 239 Personal care products and services......... 560 387 529 613 557 610 545 574 505 Reading..................................... 161 68 138 115 162 201 178 177 180 Education................................... 545 1,164 842 484 665 601 173 219 109 Tobacco products and smoking supplies....... 318 308 281 408 456 342 173 229 96 Miscellaneous............................... 722 440 692 770 843 761 648 637 664 Cash contributions.......................... 1,667 479 787 1,111 1,552 1,841 2,527 2,106 3,104 Personal insurance and pensions............. 4,219 2,299 5,132 5,091 5,851 5,413 1,577 2,114 841 Life and other personal insurance........ 494 56 216 307 574 735 546 674 371 Pensions and Social Security............. 3,725 2,243 4,916 4,785 5,277 4,678 1,031 1,440 470 Sources of income and personal taxes: a/ Money income before taxes.................. 54,404 32,880 60,866 58,683 67,472 62,506 38,038 41,443 33,333 Wages and salaries....................... 40,232 30,484 57,825 53,368 58,224 47,035 9,498 13,915 3,394 Self-employment income................... 2,376 517 1,353 2,316 3,387 3,088 1,983 2,507 1,257 Social Security, private and government retirement................... 9,293 239 430 980 3,245 9,324 23,576 22,722 24,757 Interest, dividends, rental income, other property income................... 1,522 108 301 672 1,553 2,229 2,212 1,686 2,940 Unemployment and workers'' compensation, veterans'' benefits..................... 265 150 276 345 376 339 109 123 90 Public assistance, supplemental security, income, food stamps..................... 292 243 173 422 292 303 290 270 318 Regular contributions for support........ 297 793 327 476 301 106 244 80 e/ 472 Other income............................. 127 346 181 105 93 82 125 140 104 Personal taxes............................. 3,246 1,056 3,519 3,366 4,245 3,624 2,497 1,849 3,393 Federal income taxes..................... 2,457 746 2,603 2,377 3,214 2,686 2,053 1,326 3,056 State and local income taxes............. 565 275 814 824 790 616 185 237 114 Other taxes.............................. 224 34 102 165 241 322 259 286 223 Income after taxes......................... 51,157 31,824 57,347 55,317 63,227 58,882 35,541 39,594 29,940 Net change in total assets and liabilities... -8,829 -823 -10,122 -17,323 -14,496 -4,233 -5,357 -6,627 -3,617 Net change in total assets............... 5,837 7,361 16,805 8,524 5,133 7,422 -1,633 -1,137 -2,312 Net change in total liabilities.......... 14,666 8,184 26,928 25,847 19,629 11,655 3,723 5,490 1,305 Other financial information: Other money receipts..................... 816 78 224 365 914 1,975 441 255 696 Mortgage principal paid on owned property................................ -1,579 -143 -1,104 -1,663 -2,114 -2,398 -987 -1,320 -532 Estimated market value of owned home..... 127,758 19,475 78,149 107,369 131,931 168,866 146,118 155,805 132,858 Estimated monthly rental value of owned home.................................... 808 175 553 704 858 999 913 934 884 Gifts of goods and services................. 1,273 438 778 872 1,712 2,017 930 1,144 629 Food..................................... 125 16 35 72 181 260 61 73 43 Alcoholic beverages...................... 15 9 25 19 15 16 10 15 3 Housing.................................. 293 145 137 254 404 390 252 283 207 Housekeeping supplies.................. 48 45 30 50 47 64 45 55 32 Household textiles..................... 20 e/ 2 e/ 15 21 18 35 16 21 8 Appliances and miscellaneous housewares........................... 38 e/ 27 12 28 45 61 33 38 26 Major appliances..................... 12 e/ 1 e/ 1 e/ 4 15 27 10 10 11 Small appliances and miscellaneous housewares......................... 25 e/ 26 10 24 30 34 23 29 15 Miscellaneous household equipment...... 81 28 34 79 90 116 80 98 56 Other housing.......................... 105 43 47 75 204 114 77 72 85 Apparel and services..................... 279 136 289 221 279 442 200 258 118 Males, 2 and over...................... 78 58 72 68 76 104 69 86 46 Females, 2 and over.................... 107 22 105 86 97 191 74 100 38 Children under 2....................... 37 27 47 23 38 60 20 24 15 Other apparel products and services.... 58 30 64 45 69 87 36 48 19 Jewelry and watches.................. 26 9 42 24 27 40 12 15 9 All other apparel products and services............................ 32 e/ 20 23 21 42 47 24 33 e/ 9 Transportation........................... 45 10 117 36 42 51 21 17 25 Health care.............................. 40 e/ 3 14 27 61 54 39 46 30 Entertainment............................ 100 37 82 76 121 157 70 89 43 Toys, games, hobbies, and tricycles.... 42 17 27 27 53 63 34 48 16 Other entertainment.................... 58 21 55 49 69 94 35 41 27 Personal care products and services...... 22 13 19 25 22 22 22 30 11 Reading.................................. 2 c/ 1 c/ 2 2 3 3 4 Education................................ 247 e/ 45 15 80 453 475 135 171 85 All other gifts.......................... 105 23 45 63 131 145 117 159 61 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.