Table 3650. Consumer units of five or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 10,796 258 2,613 4,950 1,993 637 344 Income before taxes a/ ...................... $49,893 $27,189 $37,832 $54,386 $60,065 $51,457 $40,808 Income after taxes a/ ....................... 46,866 26,280 36,006 50,678 56,382 48,324 39,905 Age of the reference person.................. 40.7 22.4 31.0 39.4 48.2 58.8 70.5 Average number in consumer unit: Persons..................................... 5.6 5.4 5.5 5.5 5.6 5.6 5.9 Children under 18........................... 2.9 2.8 3.3 3.1 2.4 1.8 2.1 Persons 65 and over......................... .1 b/ c/ .1 .1 .1 1.3 Earners..................................... 2.2 2.2 1.8 2.1 2.8 2.8 2.1 Vehicles.................................... 2.5 2.1 2.1 2.5 2.9 2.6 2.9 Percent distribution: Male........................................ 66 46 61 66 75 66 57 Female...................................... 34 54 39 34 25 34 43 Homeowner................................... 68 35 50 73 81 71 81 With mortgage.............................. 54 27 43 59 66 40 34 Without mortgage........................... 15 7 8 14 16 32 48 Renter...................................... 32 65 50 27 19 29 19 Black....................................... 17 24 17 15 18 26 31 White and other............................. 83 76 83 85 82 74 69 Elementary (1-8)............................ 8 10 9 6 10 18 19 High school (9-12).......................... 46 73 54 42 39 56 45 College..................................... 45 17 37 52 50 26 30 Never attended and other.................... 1 b/ d/ d/ 1 d/ 6 At least one vehicle owned or leased........ 92 87 91 93 95 86 87 Average annual expenditures.................. $44,587 $30,611 $37,572 $46,702 $51,652 $43,139 $38,717 Food....................................... 7,355 4,672 6,478 7,463 8,443 8,219 6,043 Food at home............................. 4,828 3,277 4,442 4,760 5,614 5,180 4,355 Cereals and bakery products............ 764 491 670 791 876 770 596 Cereals and cereal products.......... 305 227 290 316 341 258 209 Bakery products...................... 459 264 380 475 534 512 386 Meats, poultry, fish, and eggs......... 1,392 910 1,298 1,315 1,685 1,700 1,133 Beef................................. 445 314 440 412 544 504 333 Pork................................. 278 185 256 251 347 356 313 Other meats.......................... 180 129 164 177 207 209 151 Poultry.............................. 264 175 251 250 306 360 189 Fish and seafood..................... 163 e/ 47 127 167 213 195 93 Eggs................................. 61 61 59 58 67 77 55 Dairy products......................... 531 358 486 549 567 504 575 Fresh milk and cream................. 235 181 219 252 223 205 312 Other dairy products................. 295 177 267 297 344 299 263 Fruits and vegetables.................. 739 536 697 713 876 757 715 Fresh fruits......................... 230 142 239 212 287 209 200 Fresh vegetables..................... 223 214 200 206 279 258 217 Processed fruits..................... 157 71 139 168 168 150 154 Processed vegetables................. 129 109 118 128 142 140 144 Other food at home..................... 1,402 983 1,291 1,392 1,610 1,449 1,337 Sugar and other sweets............... 180 146 167 182 200 186 155 Fats and oils........................ 137 133 119 134 159 154 135 Miscellaneous foods.................. 640 390 616 631 734 634 604 Nonalcoholic beverages............... 386 278 337 386 445 410 404 Food prepared by consumer unit on out-of-town trips................... 59 e/ 36 52 59 73 66 e/ 40 Food away from home...................... 2,527 1,394 2,036 2,704 2,829 3,039 1,688 Alcoholic beverages......................... 250 166 181 267 319 295 51 Housing..................................... 14,173 9,992 12,246 15,468 15,173 12,052 11,164 Shelter.................................. 7,883 5,324 6,874 8,899 8,189 5,609 5,287 Owned dwellings........................ 5,504 1,651 3,786 6,654 6,356 3,471 3,735 Mortgage interest and charges........ 3,635 1,189 2,604 4,608 3,876 1,681 1,511 Property taxes....................... 1,152 277 638 1,285 1,633 953 1,376 Maintenance, repairs, insurance,other expenses............................ 717 e/ 184 544 760 846 837 848 Rented dwellings....................... 2,003 3,599 2,903 1,843 1,185 1,855 1,288 Other lodging.......................... 376 e/ 74 185 402 648 282 265 Utilities, fuels, and public services.... 3,177 2,286 2,738 3,230 3,580 3,428 3,618 Natural gas............................ 402 194 368 405 424 529 413 Electricity............................ 1,231 866 1,052 1,257 1,392 1,291 1,440 Fuel oil and other fuels............... 104 e/ 79 64 105 150 79 e/ 195 Telephone services..................... 1,019 877 934 1,024 1,101 1,082 1,108 Water and other public services........ 421 269 320 439 513 446 462 Household operations..................... 711 592 787 766 619 449 455 Personal services...................... 487 545 638 507 345 293 e/ 199 Other household expenses............... 224 47 149 259 274 156 257 Housekeeping supplies.................... 576 364 473 616 624 693 417 Laundry and cleaning supplies.......... 192 168 180 182 206 266 179 Other household products............... 252 164 200 278 268 286 169 Postage and stationery................. 133 e/ 32 93 155 150 141 69 Household furnishings and equipment...... 1,825 1,426 1,374 1,957 2,161 1,874 1,387 Household textiles..................... 123 e/ 32 67 148 140 175 60 Furniture.............................. 415 302 362 462 411 376 334 Floor coverings........................ 83 b/ 56 99 99 e/ 105 e/ 11 Major appliances....................... 219 280 188 222 286 122 e/ 164 Small appliances, miscellaneous housewares............................ 88 92 70 91 111 78 47 Miscellaneous household equipment...... 895 720 632 935 1,113 1,018 772 Apparel and services....................... 2,536 1,500 2,232 2,765 2,569 2,572 2,140 Men and boys............................. 679 360 527 753 753 587 673 Men, 16 and over....................... 415 218 265 425 564 422 551 Boys, 2 to 15.......................... 264 142 263 327 188 165 122 Women and girls.......................... 890 514 661 1,010 974 832 757 Women, 16 and over..................... 590 387 331 670 716 625 619 Girls, 2 to 15......................... 300 127 330 340 257 208 138 Children under 2......................... 161 e/ 240 251 136 125 112 e/ 123 Footwear................................. 502 e/ 172 546 540 436 576 e/ 255 Other apparel products and services...... 304 214 247 326 281 465 332 Transportation............................. 8,537 7,973 7,439 8,237 10,498 8,740 9,878 Vehicle purchases (net outlay)........... 3,791 4,511 3,665 3,437 4,631 3,412 e/ 5,135 Cars and trucks, new................... 1,359 b/ 832 1,395 1,756 e/ 2,095 e/ 2,206 Cars and trucks, used.................. 2,363 4,511 2,780 2,027 2,767 1,317 e/ 2,019 Other vehicles......................... 68 b/ e/ 52 e/ 14 e/ 108 b/ e/ 910 Gasoline and motor oil................... 1,496 1,112 1,277 1,506 1,813 1,557 1,358 Other vehicle expenses................... 2,842 2,195 2,201 2,865 3,545 3,363 2,839 Vehicle finance charges................ 461 469 442 444 497 517 525 Maintenance and repairs................ 838 599 662 844 1,039 1,049 715 Vehicle insurance...................... 930 716 630 917 1,286 1,164 1,064 Vehicle rental, leases, licenses, other charges......................... 613 412 468 659 723 632 535 Public transportation.................... 408 154 296 430 508 408 546 Health care................................ 1,873 996 1,353 1,875 2,496 1,947 2,700 Health insurance......................... 861 432 622 861 1,094 851 1,657 Medical services......................... 632 400 474 649 881 586 399 Drugs.................................... 267 145 197 235 373 373 528 Medical supplies......................... 113 e/ 19 60 129 148 137 116 Entertainment.............................. 2,188 1,270 1,902 2,385 2,461 1,832 1,245 Fees and admissions...................... 505 97 284 613 670 306 364 Television, radios, sound equipment...... 709 675 641 713 794 766 517 Pets, toys, and playground equipment..... 438 244 448 464 419 427 254 Other entertainment supplies, equipment,and services.................. 537 254 529 594 578 333 110 Personal care products and services........ 480 269 445 478 572 499 325 Reading.................................... 142 48 100 155 176 131 175 Education.................................. 779 e/ 218 474 770 1,390 519 593 Tobacco products and smoking supplies...... 354 362 357 339 350 438 420 Miscellaneous.............................. 912 474 620 986 1,046 1,320 754 Cash contributions......................... 996 e/ 821 750 1,177 1,016 736 756 Personal insurance and pensions............ 4,013 1,850 2,995 4,338 5,142 3,840 2,472 Life and other personal insurance........ 466 103 272 462 703 596 649 Pensions and Social Security............. 3,547 1,747 2,722 3,876 4,439 3,244 1,823 Sources of income and personal taxes: a/ Money income before taxes................. 49,893 27,189 37,832 54,386 60,065 51,457 40,808 Wages and salaries....................... 43,161 22,189 33,550 47,590 53,421 40,845 21,620 Self-employment income................... 3,029 e/ 1,891 2,076 3,722 2,940 3,333 e/ 1,794 Social Security, private and government retirement................... 1,422 e/ 20 293 738 1,479 4,487 14,235 Interest, dividends, rental income, other property income................... 305 e/ 13 64 381 490 90 707 Unemployment and workers'' compensation, veterans'' benefits..................... 297 e/ 275 173 276 492 490 e/ 173 Public assistance, supplemental security, income, food stamps..................... 962 2,136 1,064 776 763 1,917 1,207 Regular contributions for support........ 474 e/ 485 348 630 293 e/ 121 e/ 914 Other income............................. 243 e/ 180 265 272 188 e/ 174 e/ 157 Personal taxes............................. 3,027 909 1,826 3,708 3,683 3,132 903 Federal income taxes..................... 2,214 687 1,360 2,689 2,802 2,215 352 State and local income taxes............. 654 221 410 825 671 818 167 Other taxes.............................. 158 e/ 1 56 194 210 99 e/ 384 Income after taxes.......................... 46,866 26,280 36,006 50,678 56,382 48,324 39,905 Net change in total assets and liabilities.. -1,208 3,417 -1,065 -1,069 -2,771 -2,363 3,428 Net change in total assets............... 5,703 3,777 5,840 7,007 3,554 578 9,299 Net change in total liabilities.......... 6,911 361 6,905 8,076 6,324 2,942 5,871 Other financial information: Other money receipts..................... 222 e/ 49 160 253 280 125 e/ 226 Mortgage principal paid on owned property................................ -1,613 -2,592 -886 -1,820 -2,171 -1,236 -898 Estimated market value of owned home..... 92,385 27,876 52,779 103,601 119,532 94,787 118,591 Estimated monthly rental value of owned home.............................. 640 200 426 720 786 542 782 Gifts of goods and services................. 814 548 474 857 1,131 977 773 Food..................................... 57 e/ 1 21 59 117 45 e/ 12 Housing.................................. 228 267 180 250 219 320 130 Housekeeping supplies.................. 36 e/ 4 18 55 29 e/ 16 e/ 3 Household textiles..................... 6 b/ e/ 16 4 e/ 3 e/ 2 b/ Appliances and miscellaneous housewares............................ 20 e/ 15 e/ 9 26 18 e/ 19 e/ 21 Major appliances..................... 5 e/ 15 e/ 2 7 d/ e/ 6 b/ Small appliances and miscellaneous housewares.......................... 15 b/ e/ 7 19 18 e/ 12 e/ 21 Miscellaneous household equipment...... 41 e/ 1 33 40 32 139 e/ 12 Other housing.......................... 125 247 105 124 136 145 e/ 94 Apparel and services..................... 219 130 113 249 261 249 325 Males, 2 and over...................... 69 e/ 14 17 70 102 118 e/ 150 Females, 2 and over.................... 71 e/ 53 33 86 92 53 e/ 67 Children under 2....................... 48 e/ 62 53 46 41 e/ 31 e/ 98 Other apparel products and services.... 31 e/ 1 e/ 10 46 26 e/ 48 e/ 9 Jewelry and watches.................. 8 e/ 1 e/ 4 5 13 e/ 33 e/ 5 All other apparel products and services............................ 23 b/ e/ 6 40 e/ 13 e/ 14 e/ 4 Transportation........................... 46 e/ 3 20 65 40 21 80 Health care.............................. 15 e/ 107 e/ 3 21 e/ 9 e/ 2 e/ 7 Entertainment............................ 65 e/ 20 25 71 78 152 e/ 58 Toys, games, hobbies, and tricycles.... 19 e/ 9 10 21 22 e/ 37 e/ 3 Other entertainment.................... 46 e/ 12 15 50 56 115 e/ 54 Education................................ 98 e/ 2 e/ 67 58 275 e/ 38 e/ 80 All other gifts.......................... 87 e/ 19 45 86 133 149 81 _____________________________________________ a/ Components of income and taxes are derived from complete income reporters only see glossary. b/ No data reported. c/ Value less than 0.05. d/ Value less than 0.5. e/ Data are likely to have large sampling errors.