Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995-96 _____________________________________________________________________________________________________________________________ | | | | | | | | Total | Under | | | | | 65 and Item | four | 25 | 25-34 | 35-44 | 45-54 | 55-64 | over | persons | | | | | | | | | | | | | _____________________________________________________________________________________________________________________________ | | | | | | | Number of consumer units (in thousands).........| 15,243 | 479 | 3,989 | 6,127 | 3,210 | 960 | 477 | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | Income before taxes 1/........................| $50,186 | $24,452 | $39,041 | $53,195 | $63,400 | $52,045 | $36,337 Income after taxes 1/.........................| 46,072 | 23,287 | 36,278 | 48,794 | 57,358 | 48,031 | 34,661 Age of reference person.......................| 40.6 | 22.4 | 30.4 | 39.4 | 48.4 | 58.4 | 71.3 | | | | | | | Average number in consumer unit: | | | | | | | Persons.....................................| 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 Children under 18...........................| 1.7 | 1.9 | 2.0 | 1.9 | 1.2 | .7 | .7 Persons 65 and over.........................| .1 | (2) | (2) | (2) | (2) | .1 | 1.3 Earners.....................................| 2.0 | 1.6 | 1.6 | 2.0 | 2.5 | 2.5 | 1.9 Vehicles....................................| 2.5 | 1.5 | 2.0 | 2.5 | 2.9 | 3.0 | 2.5 | | | | | | | Percent distribution: | | | | | | | | | | | | | | Sex of reference person: | | | | | | | Male......................................| 71 | 44 | 65 | 73 | 78 | 72 | 59 Female....................................| 29 | 56 | 35 | 27 | 22 | 28 | 41 | | | | | | | Housing tenure: | | | | | | | Homeowner.................................| 71 | 23 | 57 | 75 | 83 | 85 | 88 With mortgage...........................| 57 | 19 | 50 | 64 | 65 | 44 | 45 Without mortgage........................| 14 | 4 | 7 | 12 | 18 | 41 | 44 Renter....................................| 29 | 77 | 43 | 25 | 17 | 15 | 12 | | | | | | | Race of reference person: | | | | | | | Black.....................................| 13 | 19 | 13 | 11 | 13 | 18 | 22 White and other...........................| 87 | 81 | 87 | 89 | 87 | 82 | 78 | | | | | | | Education of reference person: | | | | | | | Elementary (1-8)..........................| 6 | 6 | 4 | 4 | 6 | 15 | 25 High school (9-12)........................| 45 | 74 | 52 | 42 | 36 | 43 | 45 College...................................| 49 | 20 | 44 | 53 | 58 | 43 | 29 Never attended and other..................| (3) | (4) | (3) | (3) | (3) | (4) | 1 | | | | | | | At least one vehicle owned..................| 92 | 76 | 91 | 94 | 93 | 92 | 91 | | | | | | | Average annual expenditures.....................| $43,282 | $23,784 | $35,412 | $45,214 | $53,371 | $44,219 | $35,217 | | | | | | | Food..........................................| 6,400 | 4,371 | 5,397 | 6,740 | 7,545 | 6,166 | 5,798 Food at home................................| 4,066 | 3,204 | 3,626 | 4,208 | 4,403 | 4,134 | 4,790 Cereals and bakery products...............| 662 | 481 | 569 | 712 | 720 | 654 | 654 Cereals and cereal products.............| 250 | 222 | 236 | 267 | 243 | 230 | 244 Bakery products.........................| 413 | 259 | 333 | 446 | 476 | 424 | 409 Meats, poultry, fish, and eggs............| 1,090 | 929 | 985 | 1,103 | 1,161 | 1,185 | 1,440 Beef....................................| 339 | 327 | 312 | 342 | 347 | 340 | 530 Pork....................................| 229 | 208 | 212 | 233 | 252 | 202 | 272 Other meats.............................| 152 | 96 | 135 | 159 | 153 | 181 | 215 Poultry.................................| 202 | 172 | 184 | 202 | 214 | 242 | 242 Fish and seafood........................| 127 | 78 | 104 | 127 | 154 | 172 | 127 Eggs....................................| 40 | 48 | 36 | 40 | 42 | 47 | 55 | | | | | | | Dairy products............................| 442 | 305 | 402 | 456 | 485 | 468 | 443 Fresh milk and cream....................| 193 | 144 | 181 | 206 | 189 | 191 | 191 Other dairy products....................| 250 | 161 | 221 | 250 | 296 | 278 | 252 Fruits and vegetables.....................| 623 | 495 | 519 | 640 | 693 | 716 | 846 Fresh fruits............................| 186 | 124 | 162 | 185 | 219 | 209 | 244 Fresh vegetables........................| 180 | 177 | 129 | 186 | 203 | 239 | 303 Processed fruits........................| 148 | 106 | 131 | 156 | 155 | 149 | 174 Processed vegetables....................| 109 | 88 | 96 | 112 | 116 | 118 | 125 | | | | | | | Other food at home........................| 1,248 | 995 | 1,151 | 1,297 | 1,345 | 1,111 | 1,408 Sugar and other sweets..................| 162 | 92 | 161 | 175 | 157 | 135 | 151 Fats and oils...........................| 110 | 88 | 94 | 111 | 118 | 127 | 174 Miscellaneous foods.....................| 570 | 481 | 546 | 600 | 597 | 419 | 590 Nonalcoholic beverages..................| 348 | 305 | 307 | 344 | 401 | 351 | 475 Food prepared by consumer unit | | | | | | | on out-of-town trips...................| 60 | 5/28 | 44 | 67 | 72 | 79 | 5/18 Food away from home.........................| 2,334 | 1,167 | 1,772 | 2,531 | 3,142 | 2,032 | 1,008 | | | | | | | Alcoholic beverages...........................| 297 | 189 | 241 | 336 | 334 | 258 | 194 | | | | | | | Housing.......................................| 13,641 | 8,238 | 12,059 | 14,522 | 15,071 | 13,558 | 11,703 Shelter.....................................| 7,682 | 4,561 | 6,634 | 8,311 | 8,551 | 7,346 | 6,328 Owned dwellings...........................| 5,534 | 986 | 4,107 | 6,287 | 6,639 | 5,348 | 5,291 Mortgage interest and charges...........| 3,542 | 548 | 2,916 | 4,147 | 4,062 | 2,377 | 2,866 Property taxes..........................| 1,204 | 314 | 743 | 1,315 | 1,484 | 1,825 | 1,391 Maintenance, repairs, insurance, | | | | | | | other expenses.........................| 787 | 5/124 | 448 | 825 | 1,093 | 1,146 | 1,033 Rented dwellings..........................| 1,656 | 3,491 | 2,341 | 1,536 | 1,089 | 994 | 771 Other lodging.............................| 492 | 5/84 | 186 | 488 | 823 | 1,003 | 266 Utilities, fuels, and public services.......| 2,814 | 1,987 | 2,430 | 2,813 | 3,111 | 3,544 | 3,408 Natural gas...............................| 355 | 258 | 271 | 357 | 394 | 567 | 426 Electricity...............................| 1,130 | 773 | 1,000 | 1,126 | 1,255 | 1,280 | 1,481 Fuel oil and other fuels..................| 110 | 5/67 | 76 | 120 | 108 | 148 | 234 Telephone services........................| 872 | 733 | 797 | 857 | 944 | 1,088 | 911 Water and other public services...........| 348 | 156 | 285 | 354 | 409 | 461 | 355 Household operations........................| 957 | 672 | 1,270 | 1,049 | 666 | 484 | 360 Personal services.........................| 642 | 497 | 1,080 | 737 | 193 | 5/87 | 5/31 Other household expenses..................| 315 | 175 | 189 | 312 | 473 | 398 | 328 | | | | | | | Housekeeping supplies.......................| 564 | 235 | 454 | 613 | 699 | 503 | 469 Laundry and cleaning supplies.............| 152 | 83 | 148 | 156 | 162 | 159 | 156 Other household products..................| 259 | 110 | 203 | 279 | 341 | 198 | 224 Postage and stationery....................| 153 | 5/42 | 104 | 178 | 196 | 146 | 89 Household furnishings and equipment.........| 1,623 | 783 | 1,272 | 1,736 | 2,043 | 1,681 | 1,139 Household textiles........................| 96 | 60 | 81 | 83 | 153 | 80 | 51 Furniture.................................| 416 | 353 | 358 | 469 | 418 | 415 | 266 Floor coverings...........................| 139 | 5/35 | 108 | 143 | 208 | 5/143 | 5/2 Major appliances..........................| 182 | 106 | 164 | 167 | 223 | 231 | 5/239 Small appliances, miscellaneous housewares| 114 | 39 | 66 | 120 | 137 | 237 | 127 Miscellaneous household equipment.........| 677 | 190 | 495 | 754 | 902 | 574 | 454 | | | | | | | Apparel and services..........................| 2,447 | 1,718 | 2,121 | 2,592 | 2,995 | 1,987 | 1,428 Men and boys................................| 619 | 393 | 516 | 684 | 729 | 569 | 262 Men, 16 and over..........................| 416 | 322 | 299 | 437 | 549 | 498 | 5/208 Boys, 2 to 15.............................| 203 | 72 | 217 | 247 | 180 | 71 | 54 Women and girls.............................| 934 | 516 | 663 | 1,052 | 1,237 | 763 | 542 Women, 16 and over........................| 680 | 413 | 428 | 730 | 1,025 | 628 | 362 Girls, 2 to 15............................| 254 | 104 | 236 | 322 | 213 | 135 | 179 Children under 2............................| 137 | 177 | 243 | 102 | 81 | 72 | 5/127 Footwear....................................| 467 | 5/271 | 441 | 520 | 457 | 416 | 5/341 Other apparel products and services.........| 289 | 361 | 257 | 234 | 490 | 167 | 155 | | | | | | | Transportation................................| 8,151 | 4,320 | 6,656 | 8,172 | 10,604 | 8,834 | 6,388 Vehicle purchases (net outlay)..............| 3,715 | 5/1,740 | 2,967 | 3,823 | 4,975 | 3,418 | 5/2,696 Cars and trucks, new......................| 1,504 | 5/253 | 1,135 | 1,626 | 1,826 | 1,650 | 5/1,818 Cars and trucks, used.....................| 2,174 | 1,487 | 1,814 | 2,153 | 3,077 | 1,768 | 878 Other vehicles............................| 38 | (4) | 5/19 | 44 | 5/73 | (4) | (4) Gasoline and motor oil......................| 1,431 | 918 | 1,235 | 1,419 | 1,738 | 1,676 | 1,153 Other vehicle expenses......................| 2,603 | 1,480 | 2,192 | 2,521 | 3,327 | 3,142 | 2,291 Vehicle finance charges...................| 372 | 201 | 395 | 367 | 390 | 383 | 274 Maintenance and repairs...................| 799 | 431 | 622 | 783 | 1,108 | 935 | 535 Vehicle insurance.........................| 891 | 558 | 721 | 860 | 1,119 | 1,200 | 886 Vehicle rental, leases, licenses, | | | | | | | other charges............................| 541 | 290 | 454 | 512 | 711 | 624 | 595 Public transportation.......................| 402 | 182 | 261 | 409 | 563 | 598 | 248 | | | | | | | Health care...................................| 1,930 | 654 | 1,489 | 1,957 | 2,223 | 2,646 | 3,194 Health insurance............................| 895 | 267 | 733 | 909 | 986 | 1,200 | 1,469 Medical services............................| 668 | 271 | 515 | 694 | 746 | 918 | 1,006 Drugs.......................................| 259 | 84 | 171 | 249 | 337 | 378 | 578 Medical supplies............................| 107 | 5/33 | 69 | 105 | 154 | 151 | 141 | | | | | | | Entertainment.................................| 2,435 | 910 | 1,887 | 2,589 | 3,402 | 1,631 | 1,645 Fees and admissions.........................| 650 | 201 | 361 | 760 | 928 | 574 | 399 Television, radios, sound equipment.........| 712 | 515 | 576 | 736 | 882 | 640 | 735 Pets, toys, and playground equipment........| 464 | 130 | 472 | 527 | 464 | 240 | 296 Other entertainment supplies, equipment, | | | | | | | and services...............................| 608 | 64 | 478 | 567 | 1,128 | 177 | 214 | | | | | | | Personal care products and services...........| 658 | 444 | 492 | 696 | 852 | 624 | 591 | | | | | | | Reading.......................................| 180 | 66 | 118 | 197 | 234 | 199 | 199 | | | | | | | Education.....................................| 763 | 5/102 | 299 | 573 | 1,605 | 1,520 | 557 | | | | | | | Tobacco products and smoking supplies.........| 313 | 450 | 310 | 296 | 309 | 364 | 348 | | | | | | | Miscellaneous.................................| 810 | 441 | 644 | 764 | 1,117 | 1,023 | 742 | | | | | | | Cash contributions............................| 916 | 5/155 | 452 | 1,083 | 1,380 | 835 | 459 | | | | | | | Personal insurance and pensions...............| 4,342 | 1,724 | 3,247 | 4,698 | 5,699 | 4,574 | 1,972 Life and other personal insurance...........| 526 | 249 | 327 | 575 | 682 | 775 | 292 Pensions and Social Security................| 3,816 | 1,475 | 2,920 | 4,122 | 5,017 | 3,799 | 1,680 | | | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | | | | | Money income before taxes.....................| 50,186 | 24,452 | 39,041 | 53,195 | 63,400 | 52,045 | 36,337 Wages and salaries..........................| 44,226 | 18,681 | 35,371 | 47,757 | 55,772 | 43,706 | 20,162 Self-employment income......................| 2,993 | 5/2,786 | 1,817 | 3,255 | 4,294 | 2,372 | 5/2,076 Social Security, private and government | | | | | | | retirement.................................| 1,193 | 5/278 | 239 | 451 | 1,576 | 3,642 | 12,209 Interest, dividends, rental income, other | | | | | | | property income............................| 436 | 5/50 | 83 | 547 | 542 | 1,042 | 521 Unemployment and workers' compensation, | | | | | | | veterans' benefits.........................| 321 | 5/58 | 248 | 300 | 436 | 459 | 5/411 Public assistance, supplemental security | | | | | | | income, food stamps........................| 574 | 2,060 | 793 | 399 | 451 | 474 | 610 Regular contributions for support...........| 275 | 5/331 | 350 | 310 | 166 | 5/198 | 5/30 Other income................................| 168 | 5/208 | 141 | 175 | 164 | 5/152 | 5/319 | | | | | | | Personal taxes................................| 4,115 | 1,165 | 2,763 | 4,400 | 6,042 | 4,014 | 1,676 Federal income taxes........................| 3,052 | 800 | 2,077 | 3,212 | 4,593 | 2,843 | 1,217 State and local income taxes................| 905 | 313 | 637 | 987 | 1,244 | 886 | 394 Other taxes.................................| 158 | 5/52 | 50 | 201 | 205 | 284 | 5/65 | | | | | | | Income after taxes............................| 46,072 | 23,287 | 36,278 | 48,794 | 57,358 | 48,031 | 34,661 | | | | | | | Addenda: | | | | | | | | | | | | | | Net change in total assets and liabilities....| -1,385 | -1,184 | -1,113 | -230 | -3,680 | -1,000 | -4,012 Net change in total assets..................| 5,366 | -85 | 6,109 | 7,631 | 1,913 | 1,574 | 6,395 Net change in total liabilities.............| 6,750 | 1,099 | 7,222 | 7,861 | 5,594 | 2,574 | 10,406 | | | | | | | Other financial information: | | | | | | | | | | | | | | Other money receipts........................| 338 | 5/69 | 197 | 247 | 790 | 156 | 5/287 Mortgage principal paid on owned property...| -1,570 | -267 | -801 | -1,863 | -2,149 | -1,419 | -1,952 Estimated market value of owned home........| 89,916 | 12,107 | 54,882 | 97,385 | 114,134 | 119,415 | 142,590 Estimated monthly rental value of owned home| 603 | 118 | 427 | 651 | 750 | 722 | 730 | | | | | | | Gifts of goods and services...................| 1,082 | 381 | 801 | 857 | 1,857 | 1,502 | 1,130 Food........................................| 92 | 5/58 | 44 | 78 | 190 | 103 | 5/25 Housing.....................................| 316 | 153 | 297 | 237 | 525 | 399 | 133 Housekeeping supplies.....................| 50 | 5/10 | 30 | 46 | 96 | 61 | 5/10 Household textiles........................| 6 | 5/5 | 3 | 8 | 8 | 6 | 5/6 Appliances and miscellaneous housewares...| 34 | 5/0 | 18 | 21 | 64 | 103 | 5/24 Major appliances........................| 6 | (4) | 5/5 | 2 | 13 | 5/9 | (4) Small appliances and miscellaneous | | | | | | | housewares.............................| 28 | 5/0 | 13 | 19 | 51 | 5/94 | 5/24 Miscellaneous household equipment.........| 71 | 5/6 | 50 | 67 | 116 | 77 | 66 Other housing.............................| 155 | 131 | 197 | 95 | 240 | 151 | 5/28 Apparel and services........................| 293 | 5/74 | 243 | 270 | 450 | 260 | 328 Males, 2 and over.........................| 54 | 5/2 | 49 | 59 | 55 | 58 | 5/55 Females, 2 and over.......................| 80 | 5/8 | 39 | 98 | 110 | 75 | 5/89 Children under 2..........................| 55 | 5/12 | 67 | 48 | 57 | 48 | 5/95 Other apparel products and services.......| 104 | 5/51 | 88 | 65 | 228 | 5/79 | 5/89 Jewelry and watches.....................| 64 | 5/1 | 5/28 | 40 | 5/186 | 5/56 | (4) All other apparel products and services.| 40 | 5/50 | 60 | 25 | 42 | 5/23 | 5/89 Transportation..............................| 34 | 12 | 25 | 30 | 51 | 37 | 58 Health care.................................| 29 | (4) | 5/4 | 7 | 22 | 5/138 | 5/356 Entertainment...............................| 112 | 5/60 | 113 | 102 | 156 | 75 | 5/44 Toys, games, hobbies, and tricycles.......| 55 | 5/6 | 76 | 54 | 53 | 5/27 | (4) Other entertainment.......................| 57 | 54 | 38 | 48 | 103 | 48 | 44 Education...................................| 105 | 5/0 | 16 | 39 | 287 | 5/334 | 5/137 All other gifts.............................| 102 | 26 | 58 | 93 | 176 | 156 | 48 | | | | | | | _____________________________________________________________________________________________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 2/ Value less than 0.05. 3/ Value less than 0.5. 4/ No data reported. 5/ Data are likely to have large sampling errors.