Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Total Under 25-34 35-44 45-54 55-64 65 years Item four 25 years years years years and older persons years Number of consumer units (in thousands)........... 15,926 561 3,908 6,227 3,785 956 489 Consumer unit characteristics: Income before taxes ............................. $73,134 $35,398 $56,214 $76,110 $90,880 $86,304 $52,244 Income after taxes .............................. 70,601 35,483 55,023 73,364 86,807 83,609 50,824 Age of reference person.......................... 41.0 21.8 30.3 39.7 48.8 58.4 72.0 Average number in consumer unit: Persons......................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18............................... 1.6 1.7 2.0 1.8 1.2 .9 .8 Persons 65 and over............................. .1 a/ a/ a/ a/ .1 1.4 Earners......................................... 1.9 1.8 1.7 1.9 2.4 2.2 1.5 Vehicles........................................ 2.5 1.8 2.1 2.4 3.1 3.1 2.1 Percent distribution: Sex of reference person: Male............................................ 50 38 42 48 60 65 49 Female.......................................... 50 62 58 52 40 35 51 Housing tenure: Homeowner....................................... 77 34 63 80 87 87 87 With mortgage.................................. 64 25 56 69 73 66 48 Without mortgage............................... 12 9 7 11 15 21 39 Renter.......................................... 23 66 37 20 13 13 13 Race of reference person: Black or African-American....................... 13 16 13 13 8 17 20 White, Asian, and all other races............... 87 84 87 87 92 83 80 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 15 33 20 12 10 14 19 Not Hispanic or Latino (new UCC Q20032)......... 81 63 76 84 87 82 77 Education of reference person: Elementary (1-8)................................ 4 6 3 3 4 10 26 High school (9-12).............................. 34 64 37 34 27 32 40 College......................................... 61 29 60 63 69 58 31 Never attended and other........................ b/ b/ b/ b/ 1 b/ 3 At least one vehicle owned or leased............. 94 91 93 95 96 95 86 Average annual expenditures....................... $56,724 $35,683 $46,762 $58,185 $68,020 $63,066 $41,565 Food............................................. 7,823 6,184 6,372 7,942 9,319 8,068 7,872 Food at home.................................... 4,641 3,952 3,869 4,608 5,521 4,649 5,416 Cereals and bakery products.................... 659 618 550 681 748 553 895 Cereals and cereal products................... 225 245 186 238 252 184 251 Bakery products............................... 434 373 364 443 495 370 645 Meats, poultry, fish, and eggs................. 1,233 1,043 974 1,167 1,568 1,303 1,737 Beef.......................................... 381 333 308 345 497 388 605 Pork.......................................... 252 192 196 245 313 273 381 Other meats................................... 157 128 123 148 200 178 208 Poultry....................................... 218 206 181 215 260 223 244 Fish and seafood.............................. 172 116 122 165 236 187 210 Eggs.......................................... 53 68 43 50 62 55 88 Dairy products................................. 508 424 430 512 586 518 564 Fresh milk and cream.......................... 202 188 181 211 208 198 237 Other dairy products.......................... 306 236 249 301 378 320 327 Fruits and vegetables.......................... 743 619 604 734 897 792 836 Fresh fruits.................................. 239 192 186 235 297 267 241 Fresh vegetables.............................. 234 181 184 231 286 260 306 Processed fruits.............................. 154 152 131 153 177 151 174 Processed vegetables.......................... 116 95 103 114 136 115 114 Other food at home............................. 1,499 1,248 1,311 1,513 1,722 1,482 1,383 Sugar and other sweets........................ 172 91 144 178 199 182 179 Fats and oils................................. 120 120 95 115 149 127 157 Miscellaneous foods........................... 752 670 696 753 841 703 644 Nonalcoholic beverages........................ 404 361 343 407 467 421 382 Food prepared by consumer unit on out-of-town trips............................ 50 c/ 6 33 59 64 49 c/ 21 Food away from home............................. 3,182 2,232 2,502 3,334 3,798 3,418 2,456 Alcoholic beverages.............................. 458 424 347 441 642 360 294 Housing.......................................... 18,428 12,298 16,379 19,438 20,378 18,944 12,783 Shelter......................................... 10,587 6,829 9,379 11,229 11,816 10,887 6,266 Owned dwellings................................ 8,222 2,369 6,378 9,113 9,779 8,872 4,986 Mortgage interest and charges................. 5,245 1,380 4,446 6,011 5,935 4,588 2,262 Property taxes................................ 1,828 500 1,157 2,012 2,293 2,417 1,620 Maintenance, repairs, insurance, other expenses..................................... 1,149 488 776 1,090 1,552 1,867 1,104 Rented dwellings............................... 1,871 4,344 2,782 1,685 1,131 1,295 973 Other lodging.................................. 494 c/ 117 219 431 906 719 307 Utilities, fuels, and public services........... 3,688 2,543 3,119 3,752 4,181 4,421 3,483 Natural gas.................................... 522 338 438 541 569 650 557 Electricity.................................... 1,343 949 1,164 1,386 1,469 1,539 1,326 Fuel oil and other fuels....................... 141 c/ 56 89 136 205 163 184 Telephone services............................. 1,249 919 1,075 1,243 1,445 1,563 974 Water and other public services................ 432 282 354 446 493 505 443 Household operations............................ 1,341 757 1,534 1,526 1,149 842 589 Personal services.............................. 804 608 1,182 1,003 357 c/ 167 c/ 184 Other household expenses....................... 537 149 352 522 792 675 404 Housekeeping supplies........................... 744 510 585 767 910 772 614 Laundry and cleaning supplies.................. 199 233 181 197 214 212 175 Other household products....................... 376 219 273 388 504 346 270 Postage and stationery......................... 169 58 131 182 193 214 169 Household furnishings and equipment............. 2,068 1,659 1,763 2,164 2,321 2,021 1,831 Household textiles............................. 160 17 136 149 215 185 145 Furniture...................................... 587 366 532 700 539 536 338 Floor coverings................................ 67 c/ 5 36 71 97 111 c/ 19 Major appliances............................... 244 127 167 262 277 267 454 Small appliances, miscellaneous housewares.................................... 99 40 78 90 140 103 99 Miscellaneous household equipment.............. 912 1,104 814 893 1,053 818 776 Apparel and services............................. 2,553 1,927 2,368 2,463 3,025 2,844 1,320 Men and boys.................................... 632 499 550 650 782 481 264 Men, 16 and over............................... 410 396 319 383 585 334 203 Boys, 2 to 15.................................. 223 104 231 267 196 147 61 Women and girls................................. 1,006 515 811 965 1,282 1,387 686 Women, 16 and over............................. 721 378 534 625 1,013 1,182 641 Girls, 2 to 15................................. 285 137 277 341 269 205 45 Children under 2................................ 164 333 317 120 72 126 c/ 43 Footwear........................................ 475 374 439 454 566 549 c/ 188 Other apparel products and services............. 275 205 252 275 323 301 139 Transportation................................... 10,813 7,232 9,582 10,901 12,504 12,749 6,766 Vehicle purchases (net outlay).................. 5,119 3,367 4,854 5,326 5,479 5,811 2,477 Cars and trucks, new........................... 2,695 c/ 410 2,434 3,066 2,697 3,519 c/ 1,063 Cars and trucks, used.......................... 2,354 2,957 2,334 2,191 2,690 2,293 1,406 Other vehicles................................. 70 d/ 86 69 91 d/ c/ 8 Gasoline and motor oil.......................... 2,060 1,740 1,789 2,016 2,432 2,401 1,622 Other vehicle expenses.......................... 3,176 1,812 2,676 3,099 3,970 3,810 2,336 Vehicle finance charges........................ 506 300 513 497 568 528 280 Maintenance and repairs........................ 803 489 640 784 993 1,132 599 Vehicle insurance.............................. 1,272 817 1,031 1,197 1,646 1,612 1,118 Vehicle rental, leases, licenses, other charges....................................... 595 206 493 622 762 537 338 Public transportation........................... 458 313 262 461 624 727 331 Health care...................................... 2,609 1,209 1,935 2,639 3,107 3,519 3,586 Health insurance................................ 1,423 471 1,153 1,478 1,545 1,951 1,990 Medical services................................ 690 440 483 703 908 754 645 Drugs........................................... 375 209 228 334 493 655 798 Medical supplies................................ 121 89 71 123 161 158 153 Entertainment.................................... 2,867 1,126 2,183 3,196 3,458 2,734 1,808 Fees and admissions............................. 792 195 430 912 1,105 800 399 Television, radios, sound equipment............. 991 628 874 1,039 1,121 985 743 Pets, toys, hobbies, and playground equipment... 507 196 468 541 549 490 461 Other entertainment supplies, equipment, and services................................... 578 107 411 704 683 459 204 Personal care products and services.............. 717 421 569 721 892 813 601 Reading.......................................... 137 42 87 146 182 171 102 Education........................................ 1,421 921 475 1,077 2,956 2,194 538 Tobacco products and smoking supplies............ 338 417 335 301 372 408 337 Miscellaneous.................................... 772 478 548 683 1,053 1,283 818 Cash contributions............................... 1,214 511 713 1,211 1,666 1,941 1,151 Personal insurance and pensions.................. 6,575 2,494 4,869 7,027 8,465 7,038 3,590 Life and other personal insurance............... 497 69 280 522 631 842 678 Pensions and Social Security.................... 6,078 2,425 4,589 6,504 7,834 6,196 2,911 Sources of income and personal taxes: Money income before taxes........................ 73,134 35,398 56,214 76,110 90,880 86,304 52,244 Wages and salaries.............................. 65,408 32,513 52,560 69,580 80,893 68,496 27,602 Self-employment income.......................... 4,071 c/ 633 1,810 3,938 6,294 7,363 4,466 Social Security, private and government retirement..................................... 1,689 c/ 366 296 679 1,496 7,574 17,610 Interest, dividends, rental income, other property income................................ 713 c/ 290 344 537 1,155 1,812 903 Unemployment and workers' compensation, veterans' benefits............................. 324 c/ 77 331 337 326 345 c/ 325 Public assistance, supplemental security income, food stamps............................ 328 676 354 256 256 490 894 Regular contributions for support............... 476 c/ 627 382 652 359 c/ 135 c/ 383 Other income.................................... 124 c/ 217 136 130 102 c/ 89 c/ 62 Personal taxes................................... 2,533 -86 1,191 2,745 4,073 2,695 1,420 Federal income taxes............................ 1,695 -232 610 1,869 2,865 1,904 974 State and local income taxes.................... 672 116 474 714 961 600 275 Other taxes..................................... 166 c/ 30 107 162 247 191 171 Income after taxes............................... 70,601 35,483 55,023 73,364 86,807 83,609 50,824 Addenda: Net change in total assets and liabilities....... -25,041 -8,278 -27,282 -25,779 -26,880 -20,031 -12,512 Net change in total assets...................... 9,673 7,877 15,922 9,388 7,789 -1,260 1,368 Net change in total liabilities................. 34,714 16,155 43,204 35,168 34,668 18,770 13,880 Other financial information: Other money receipts............................ 260 c/ 67 212 262 345 c/ 216 c/ 275 Mortgage principal paid on owned property....... -2,744 -569 -1,770 -3,000 -3,796 -2,897 -1,322 Estimated market value of owned home............ 170,007 40,862 111,822 176,764 217,881 253,773 162,913 Estimated monthly rental value of owned home.... 995 289 692 1,082 1,229 1,184 929 Gifts of goods and services...................... 1,041 565 655 933 1,651 1,369 591 Food............................................ 73 d/ 32 59 134 160 c/ 10 Alcoholic beverages............................. 22 c/ 17 22 19 35 c/ 6 b/ Housing......................................... 252 96 167 275 303 384 126 Housekeeping supplies.......................... 61 c/ 15 57 64 64 86 c/ 17 Household textiles............................. 19 d/ c/ 10 21 26 c/ 23 c/ 7 Appliances and miscellaneous housewares.................................... 33 c/ 9 16 45 41 c/ 18 c/ 22 Major appliances.............................. 19 c/ 7 c/ 3 29 24 c/ 8 c/ 5 Small appliances and miscellaneous housewares................................... 15 c/ 2 12 16 17 c/ 11 c/ 17 Miscellaneous household equipment.............. 59 c/ 5 33 61 83 101 46 Other housing.................................. 80 c/ 67 51 85 89 156 c/ 33 Apparel and services............................ 297 196 288 286 346 263 301 Males, 2 and over.............................. 75 c/ 19 53 76 109 72 c/ 10 Females, 2 and over............................ 113 105 113 111 116 106 c/ 164 Children under 2............................... 58 c/ 58 85 51 40 65 c/ 36 Other apparel products and services............ 51 c/ 15 37 47 81 c/ 20 c/ 91 Jewelry and watches........................... 14 c/ 2 11 10 30 c/ 8 c/ 3 All other apparel products and services....... 37 c/ 13 26 38 50 c/ 12 c/ 88 Transportation.................................. 55 c/ 2 34 24 127 110 7 Health care..................................... 16 d/ c/ 4 17 24 c/ 30 c/ 2 Entertainment................................... 63 c/ 30 34 68 87 87 c/ 18 Toys, games, arts and crafts, and tricycles.... 19 c/ 5 14 19 22 42 c/ 16 Other entertainment............................ 43 c/ 25 20 49 65 45 c/ 2 Personal care products and services............. 31 c/ 2 30 32 40 21 d/ Reading......................................... b/ d/ b/ b/ b/ b/ d/ Education....................................... 176 c/ 72 11 95 487 256 c/ 89 All other gifts................................. 55 c/ 149 31 56 67 53 38 a Value less than 0.05. b Value less than 0.5. c Data are likely to have large sampling errors. d No data reported. n.a. Not applicable.