Table 3650. Consumer units of five or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Total Under Item five or 25 25-34 35-44 45-54 55-64 65 years more years years years years years and older persons Number of consumer units (in thousands)........... 11,146 392 2,601 4,733 2,313 696 410 Consumer unit characteristics: Income before taxes a/ .......................... $68,194 $39,917 $51,318 $70,584 $87,791 $68,910 $65,732 Income after taxes a/ ........................... 66,940 40,153 51,125 69,136 85,334 67,465 65,588 Age of reference person.......................... 41.0 21.5 30.5 39.5 48.4 58.6 72.6 Average number in consumer unit: Persons......................................... 5.6 5.6 5.6 5.6 5.6 5.8 5.6 Children under 18............................... 2.7 2.7 3.2 3.0 2.2 1.9 1.8 Persons 65 and over............................. .1 b/ b/ .1 .1 .2 1.3 Earners......................................... 2.2 2.2 1.8 2.1 2.7 2.6 2.1 Vehicles........................................ 2.5 1.7 2.0 2.6 3.1 2.9 2.2 Percent distribution: Sex of reference person: Male............................................ 48 42 38 48 57 60 39 Female.......................................... 52 58 62 52 43 40 61 Housing tenure: Homeowner....................................... 74 39 56 78 84 85 86 With mortgage.................................. 58 25 48 64 67 58 28 Without mortgage............................... 16 13 9 14 17 28 58 Renter.......................................... 26 61 44 22 16 15 14 Race of reference person: Black or African-American....................... 15 19 15 13 13 16 43 White, Asian, and All Other Races............... 85 81 85 87 87 84 57 Education of reference person: Elementary (1-8)................................ 9 6 9 7 10 14 23 High school (9-12).............................. 41 66 46 41 33 43 36 College......................................... 49 28 45 52 57 40 40 Never attended and other........................ c/ c/ 1 c/ c/ 2 1 At least one vehicle owned or leased............. 93 86 89 95 95 94 90 Average annual expenditures....................... $54,090 $35,186 $45,990 $55,066 $66,590 $53,056 $43,636 Food............................................. 8,345 7,192 7,506 8,262 9,618 8,438 8,754 Food at home.................................... 5,285 4,152 4,885 5,173 5,987 5,758 6,053 Cereals and bakery products.................... 782 582 738 775 889 777 771 Cereals and cereal products................... 288 239 282 286 325 267 229 Bakery products............................... 494 343 456 490 565 510 542 Meats, poultry, fish, and eggs................. 1,442 1,258 1,423 1,356 1,589 1,625 1,847 Beef.......................................... 440 373 456 413 481 449 515 Pork.......................................... 290 279 301 262 300 379 449 Other meats................................... 183 146 155 182 201 221 283 Poultry....................................... 270 243 261 249 332 241 315 Fish and seafood.............................. 193 161 182 185 208 269 200 Eggs.......................................... 66 55 67 66 66 68 86 Dairy products................................. 581 386 523 600 645 588 582 Fresh milk and cream.......................... 257 189 257 261 268 243 238 Other dairy products.......................... 325 196 266 339 377 345 345 Fruits and vegetables.......................... 869 709 847 823 1,039 842 843 Fresh fruits.................................. 287 255 280 270 361 231 224 Fresh vegetables.............................. 274 217 261 254 340 272 301 Processed fruits.............................. 177 135 184 171 193 166 185 Processed vegetables.......................... 131 102 122 128 144 174 134 Other food at home............................. 1,610 1,218 1,354 1,618 1,825 1,925 2,009 Sugar and other sweets........................ 195 130 160 198 215 247 299 Fats and oils................................. 139 95 131 129 160 175 219 Miscellaneous foods........................... 806 647 667 836 886 939 860 Nonalcoholic beverages........................ 426 340 365 409 503 517 594 Food prepared by consumer unit on out-of-town trips............................ 44 d/ 6 31 46 61 47 d/ 37 Food away from home............................. 3,060 3,040 2,620 3,089 3,631 2,680 2,701 Alcoholic beverages.............................. 351 500 366 347 367 252 132 Housing.......................................... 17,255 10,955 15,205 17,942 20,353 16,376 12,312 Shelter......................................... 9,824 6,571 8,869 10,168 11,854 8,679 5,524 Owned dwellings................................ 7,302 2,370 5,168 7,971 9,862 6,988 3,923 Mortgage interest and charges................. 4,718 1,567 3,502 5,271 6,242 4,046 1,611 Property taxes................................ 1,644 603 991 1,756 2,312 1,788 1,475 Maintenance, repairs, insurance, other expenses..................................... 939 200 675 943 1,308 1,154 837 Rented dwellings............................... 2,115 4,122 3,510 1,780 1,290 1,242 1,345 Other lodging.................................. 408 d/ 78 191 417 703 449 256 Utilities, fuels, and public services........... 3,838 2,760 3,266 3,856 4,438 4,116 4,420 Natural gas.................................... 564 328 471 558 669 595 801 Electricity.................................... 1,416 1,035 1,209 1,427 1,594 1,540 1,745 Fuel oil and other fuels....................... 122 d/ 51 82 116 180 160 133 Telephone services............................. 1,260 1,055 1,120 1,267 1,448 1,263 1,213 Water and other public services................ 475 292 383 488 549 559 527 Household operations............................ 945 470 994 1,058 864 737 586 Personal services.............................. 520 332 683 643 257 249 d/ 176 Other household expenses....................... 425 137 311 415 606 488 410 Housekeeping supplies........................... 705 425 548 714 905 802 620 Laundry and cleaning supplies.................. 218 169 204 204 271 235 213 Other household products....................... 342 197 252 348 460 408 235 Postage and stationery......................... 144 59 92 163 174 159 172 Household furnishings and equipment............. 1,943 730 1,529 2,146 2,293 2,041 1,163 Household textiles............................. 166 100 93 165 272 220 d/ 24 Furniture...................................... 510 222 454 568 494 534 525 Floor coverings................................ 50 d/ 19 30 50 76 d/ 53 d/ 61 Major appliances............................... 298 99 210 325 409 214 189 Small appliances, miscellaneous housewares.................................... 113 68 121 102 135 128 104 Miscellaneous household equipment.............. 805 222 622 936 906 891 260 Apparel and services............................. 2,741 2,031 2,716 2,743 3,100 2,194 2,529 Men and boys.................................... 696 365 596 711 855 543 938 Men, 16 and over............................... 410 267 321 359 600 379 808 Boys, 2 to 15.................................. 287 99 275 351 255 164 130 Women and girls................................. 941 617 848 893 1,230 939 865 Women, 16 and over............................. 646 436 599 533 963 773 556 Girls, 2 to 15................................. 295 181 249 359 267 166 310 Children under 2................................ 182 305 294 158 106 111 169 Footwear........................................ 578 472 623 602 571 416 d/ 347 Other apparel products and services............. 343 271 354 380 338 185 210 Transportation................................... 10,221 6,999 9,093 10,399 12,173 10,297 7,236 Vehicle purchases (net outlay).................. 4,650 3,459 4,642 4,742 5,004 4,562 d/ 2,909 Cars and trucks, new........................... 1,965 d/ 885 1,654 2,266 1,976 2,351 d/ 770 Cars and trucks, used.......................... 2,614 2,574 2,911 2,370 2,993 2,211 2,139 Other vehicles................................. 71 e/ d/ 77 106 d/ 36 e/ e/ Gasoline and motor oil.......................... 2,120 1,552 1,765 2,166 2,537 2,212 1,865 Other vehicle expenses.......................... 3,039 1,757 2,401 3,111 3,977 3,080 2,111 Vehicle finance charges........................ 531 283 422 592 613 517 329 Maintenance and repairs........................ 770 368 602 768 1,040 856 575 Vehicle insurance.............................. 1,217 841 893 1,228 1,631 1,356 917 Vehicle rental, leases, licenses, other charges....................................... 521 265 483 523 694 350 290 Public transportation........................... 412 231 284 380 654 443 351 Health care...................................... 2,448 1,165 1,647 2,492 3,095 3,212 3,308 Health insurance................................ 1,275 591 915 1,327 1,432 1,670 2,051 Medical services................................ 714 254 474 774 960 758 516 Drugs........................................... 354 268 209 292 525 647 610 Medical supplies................................ 105 d/ 52 49 99 177 137 131 Entertainment.................................... 2,646 1,142 2,159 2,799 3,537 1,882 1,610 Fees and admissions............................. 644 180 378 736 965 481 175 Television, radios, sound equipment............. 947 595 874 968 1,082 857 884 Pets, toys, hobbies, and playground equipment... 452 239 456 481 443 412 437 Other entertainment supplies, equipment, and services................................... 604 127 451 613 1,047 132 114 Personal care products and services.............. 721 432 609 747 883 650 603 Reading.......................................... 114 40 73 108 166 159 138 Education........................................ 1,154 317 422 1,099 2,199 1,550 601 Tobacco products and smoking supplies............ 364 331 382 325 371 477 499 Miscellaneous.................................... 687 390 697 610 825 618 1,124 Cash contributions............................... 1,357 726 893 1,383 2,075 1,211 790 Personal insurance and pensions.................. 5,687 2,966 4,223 5,809 7,828 5,740 3,999 Life and other personal insurance............... 512 94 342 479 826 598 462 Pensions and Social Security.................... 5,175 2,873 3,882 5,331 7,002 5,142 3,537 Sources of income and personal taxes: a/ Money income before taxes........................ 68,194 39,917 51,318 70,584 87,791 68,910 65,732 Wages and salaries.............................. 60,684 36,699 47,392 64,529 76,709 56,717 41,402 Self-employment income.......................... 3,227 d/ 867 1,337 2,592 7,324 3,086 d/ 2,076 Social Security, private and government retirement..................................... 1,933 d/ 476 581 1,100 1,653 5,914 17,279 Interest, dividends, rental income, other property income................................ 593 d/ 5 84 654 614 958 3,154 Unemployment and workers' compensation, veterans' benefits............................. 319 d/ 46 232 335 383 d/ 509 d/ 287 Public assistance, supplemental security income, food stamps............................ 827 1,337 1,138 644 682 957 1,023 Regular contributions for support............... 439 d/ 384 381 543 307 d/ 508 d/ 304 Other income.................................... 172 d/ 102 173 187 119 d/ 260 d/ 207 Personal taxes................................... 1,253 -236 193 1,448 2,457 1,446 143 Federal income taxes............................ 660 -423 -128 817 1,604 534 -130 State and local income taxes.................... 407 163 203 472 634 294 114 Other taxes..................................... 186 d/ 24 118 159 219 617 159 Income after taxes............................... 66,940 40,153 51,125 69,136 85,334 67,465 65,588 Addenda: Net change in total assets and liabilities....... -18,508 -11,942 -12,791 -20,334 -28,847 -9,183 2,554 Net change in total assets...................... 11,703 19,593 8,242 15,434 9,314 6,371 5,573 Net change in total liabilities................. 30,211 31,535 21,034 35,768 38,161 15,554 3,019 Other financial information: Other money receipts............................ 302 d/ 202 152 287 286 d/ 215 d/ 1,769 Mortgage principal paid on owned property....... -2,311 -545 -1,426 -2,569 -3,408 -2,088 -818 Estimated market value of owned home............ 158,535 57,993 91,287 163,725 234,144 162,663 187,895 Estimated monthly rental value of owned home.... 921 360 620 993 1,169 1,031 966 Gifts of goods and services...................... 727 461 544 740 974 813 415 Food............................................ 44 d/ 18 31 39 85 d/ 17 d/ 5 Alcoholic beverages............................. 12 d/ 2 d/ 9 13 15 d/ 15 d/ 13 Housing......................................... 179 79 197 153 247 177 121 Housekeeping supplies.......................... 44 d/ 10 28 47 68 d/ 35 d/ 10 Household textiles............................. 11 d/ 1 d/ 2 8 25 d/ 35 d/ 2 Appliances and miscellaneous housewares.................................... 24 d/ 5 d/ 43 14 20 d/ 26 d/ 85 Major appliances.............................. 4 e/ d/ 9 e/ d/ 3 e/ d/ 22 Small appliances and miscellaneous housewares................................... 21 d/ 5 d/ 33 14 17 d/ 26 d/ 64 Miscellaneous household equipment.............. 44 d/ 13 53 31 78 32 d/ 13 Other housing.................................. 56 d/ 50 72 53 56 d/ 48 d/ 10 Apparel and services............................ 237 225 188 262 250 290 94 Males, 2 and over.............................. 58 d/ 33 19 74 76 d/ 67 d/ 33 Females, 2 and over............................ 73 d/ 24 70 70 86 126 d/ 31 Children under 2............................... 59 d/ 67 69 59 59 27 d/ 16 Other apparel products and services............ 47 d/ 101 30 60 29 d/ 69 d/ 15 Jewelry and watches........................... 8 d/ 39 d/ 9 6 d/ 6 d/ 8 d/ 2 All other apparel products and services....... 40 d/ 62 d/ 21 53 d/ 23 d/ 61 d/ 13 Transportation.................................. 15 57 11 12 23 5 d/ 16 Health care..................................... 17 d/ 39 d/ 5 15 28 d/ 34 c/ Entertainment................................... 55 d/ 32 38 68 65 d/ 14 d/ 11 Toys, games, arts and crafts, and tricycles.... 12 d/ 4 17 11 12 d/ 12 d/ 6 Other entertainment............................ 42 d/ 28 21 57 54 d/ 2 d/ 5 Personal care products and services............. 25 d/ 1 13 30 40 d/ 8 e/ Reading......................................... 1 e/ c/ 1 d/ 1 d/ 7 e/ Education....................................... 103 e/ d/ 12 116 180 d/ 196 d/ 46 All other gifts................................. 39 d/ 7 41 33 39 50 109 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. 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.