Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 Total Under 65 and Item four 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 15,437 495 3,888 6,361 3,372 870 451 Income before taxes a/ ...................... $61,769 $27,547 $48,182 $67,210 $75,362 $65,781 $36,908 Income after taxes a/ ....................... 57,366 26,890 45,648 62,712 68,445 58,968 35,673 Age of the reference person.................. 40.6 22.0 30.4 39.5 48.5 58.4 70.8 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 1.6 2.0 1.8 1.2 .8 .9 Persons 65 and over......................... .1 b/ b/ b/ .1 .1 1.3 Earners..................................... 2.0 1.9 1.7 2.0 2.4 2.4 1.7 Vehicles.................................... 2.5 1.7 2.1 2.6 3.0 2.8 2.2 Percent distribution: Male........................................ 59 43 54 60 66 69 56 Female...................................... 41 57 46 40 34 31 44 Homeowner................................... 75 16 60 81 85 86 80 With mortgage.............................. 60 9 52 69 64 54 37 Without mortgage........................... 15 6 8 12 21 33 43 Renter...................................... 25 84 40 19 15 14 20 Black....................................... 12 24 14 10 10 16 32 White and other............................. 88 76 86 90 90 84 68 Elementary (1-8)............................ 4 4 3 2 4 11 25 High school (9-12).......................... 38 62 45 36 30 39 36 College..................................... 58 35 52 61 65 50 38 Never attended and other.................... c/ d/ c/ c/ c/ d/ 1 At least one vehicle owned or leased........ 94 81 93 95 96 94 90 Average annual expenditures.................. $50,785 $30,954 $42,174 $53,288 $60,431 $51,999 $39,418 Food........................................ 7,071 4,686 6,047 7,453 8,105 7,233 6,261 Food at home............................. 4,172 3,018 3,675 4,277 4,694 4,442 4,411 Cereals and bakery products............ 653 427 554 695 741 643 641 Cereals and cereal products.......... 238 168 222 255 245 217 251 Bakery products...................... 414 259 333 440 496 426 390 Meats, poultry, fish, and eggs......... 1,064 758 962 1,041 1,189 1,238 1,444 Beef................................. 320 209 311 300 352 339 514 Pork................................. 211 173 193 202 232 272 282 Other meats.......................... 143 119 123 143 157 174 167 Poultry.............................. 202 136 180 206 219 239 245 Fish and seafood..................... 147 88 117 149 184 157 178 Eggs................................. 42 32 38 41 45 57 57 Dairy products......................... 459 342 404 494 486 448 455 Fresh milk and cream................. 186 144 178 199 178 197 185 Other dairy products................. 273 198 226 295 309 251 270 Fruits and vegetables.................. 687 467 612 680 805 752 749 Fresh fruits......................... 207 137 178 207 253 208 227 Fresh vegetables..................... 201 141 181 188 245 255 226 Processed fruits..................... 161 106 139 164 187 171 175 Processed vegetables................. 117 83 115 121 120 118 121 Other food at home..................... 1,309 1,024 1,143 1,366 1,473 1,362 1,122 Sugar and other sweets............... 158 96 131 172 182 169 124 Fats and oils........................ 108 76 93 109 124 120 142 Miscellaneous foods.................. 636 576 591 661 687 613 467 Nonalcoholic beverages............... 354 260 297 364 411 414 322 Food prepared by consumer unit on out-of-town trips................... 53 e/ 17 31 61 69 45 66 Food away from home.................... 2,900 1,668 2,372 3,176 3,411 2,791 1,850 Alcoholic beverages......................... 310 243 249 329 388 269 166 Housing..................................... 16,448 10,762 14,235 17,814 18,276 14,961 12,095 Shelter.................................. 9,295 6,310 8,005 10,273 10,057 8,397 5,925 Owned dwellings........................ 7,149 780 5,332 8,503 8,051 6,886 4,467 Mortgage interest and charges........ 4,687 501 3,816 5,700 4,940 3,864 2,199 Property taxes....................... 1,531 227 942 1,753 1,880 2,057 1,294 Maintenance, repairs, insurance,other expenses............................ 930 e/ 52 573 1,049 1,231 965 973 Rented dwellings....................... 1,633 5,315 2,479 1,307 995 865 1,152 Other lodging.......................... 513 e/ 215 194 464 1,012 646 306 Utilities, fuels, and public services.... 3,089 2,144 2,669 3,104 3,537 3,555 3,265 Natural gas............................ 362 171 310 374 400 426 441 Electricity............................ 1,160 842 1,008 1,144 1,352 1,360 1,215 Fuel oil and other fuels............... 100 e/ 26 68 100 126 167 139 Telephone services..................... 1,080 949 972 1,084 1,211 1,129 1,022 Water and other public services........ 387 157 311 403 448 473 449 Household operations..................... 1,250 670 1,455 1,433 979 671 675 Personal services...................... 812 587 1,226 981 283 209 e/ 231 Other household expenses............... 438 83 229 451 696 462 444 Housekeeping supplies.................... 694 414 535 765 793 776 689 Laundry and cleaning supplies.......... 172 129 156 174 185 189 205 Other household products............... 368 136 261 418 429 420 439 Postage and stationery................. 154 148 118 173 179 167 45 Household furnishings and equipment...... 2,120 1,223 1,570 2,240 2,910 1,562 1,542 Household textiles..................... 147 38 109 147 224 72 161 Furniture.............................. 556 441 433 577 751 321 439 Floor coverings........................ 56 e/ 29 36 79 55 28 e/ 16 Major appliances....................... 250 99 189 265 314 219 332 Small appliances, miscellaneous housewares............................ 112 58 85 109 172 86 59 Miscellaneous household equipment...... 999 559 717 1,064 1,393 835 536 Apparel and services........................ 2,740 1,433 2,566 2,759 3,392 2,371 1,680 Men and boys............................. 698 315 630 678 912 764 397 Men, 16 and over....................... 452 212 370 378 710 654 244 Boys, 2 to 15.......................... 246 103 260 300 202 110 153 Women and girls.......................... 1,037 355 940 1,059 1,347 790 702 Women, 16 and over..................... 752 257 668 716 1,056 659 602 Girls, 2 to 15......................... 285 98 271 343 291 131 100 Children under 2......................... 151 293 267 130 55 88 e/ 59 Footwear................................. 487 258 483 502 546 401 375 Other apparel products and services...... 368 211 247 388 532 329 146 Transportation.............................. 10,115 7,393 8,974 10,105 11,900 11,554 6,973 Vehicle purchases (net outlay)........... 4,942 4,085 4,881 4,750 5,580 5,923 e/ 2,465 Cars and trucks, new................... 1,996 e/ 430 1,512 2,125 2,148 3,778 e/ 1,499 Cars and trucks, used.................. 2,855 3,655 3,153 2,588 3,336 2,142 967 Other vehicles......................... 91 d/ 216 e/ 36 e/ 97 e/ 3 d/ Gasoline and motor oil................... 1,631 1,275 1,356 1,690 1,912 1,675 1,385 Other vehicle expenses................... 3,098 1,810 2,492 3,217 3,744 3,347 2,761 Vehicle finance charges................ 480 274 472 490 521 500 304 Maintenance and repairs................ 852 545 641 874 1,111 812 871 Vehicle insurance...................... 1,016 683 755 1,013 1,303 1,243 1,074 Vehicle rental, leases, licenses, other charges.............................. 749 308 624 841 808 792 512 Public transportation.................... 443 224 244 448 664 610 362 Health care................................. 2,107 945 1,491 2,136 2,753 2,309 3,139 Health insurance......................... 1,030 352 792 1,056 1,223 1,130 1,813 Medical services......................... 664 432 440 658 966 569 853 Drugs.................................... 300 126 194 296 401 472 415 Medical supplies......................... 114 35 65 126 163 137 58 Entertainment............................... 2,781 1,398 1,982 3,100 3,547 2,417 1,767 Fees and admissions...................... 800 220 416 925 1,156 806 312 Television, radios, sound equipment...... 869 762 685 942 988 833 738 Pets, toys, and playground equipment..... 498 277 441 545 508 572 425 Other entertainment supplies, equipment,and services.................. 614 140 440 688 895 205 292 Personal care products and services......... 727 490 601 772 820 895 560 Reading..................................... 175 52 113 189 237 186 151 Education................................... 982 937 441 773 1,935 1,475 626 Tobacco products and smoking supplies....... 388 385 371 392 361 581 330 Miscellaneous............................... 985 433 775 985 1,096 1,474 1,635 Cash contributions.......................... 1,020 e/ 105 517 920 1,736 1,301 1,871 Personal insurance and pensions............. 4,935 1,692 3,813 5,561 5,885 4,975 2,164 Life and other personal insurance........ 600 75 362 625 905 657 493 Pensions and Social Security............. 4,335 1,617 3,450 4,936 4,980 4,318 1,671 Sources of income and personal taxes: a/ Money income before taxes.................. 61,769 27,547 48,182 67,210 75,362 65,781 36,908 Wages and salaries....................... 54,792 24,779 44,368 60,902 65,681 52,257 18,544 Self-employment income................... 3,452 e/ 1,010 1,787 3,615 4,973 7,316 e/ 557 Social Security, private and government retirement................... 1,592 e/ 93 762 656 2,140 4,125 15,905 Interest, dividends, rental income, other property income................... 678 e/ 5 157 793 1,129 983 618 Unemployment and workers'' compensation, veterans'' benefits..................... 274 e/ 60 179 354 294 217 e/ 177 Public assistance, supplemental security, income, food stamps..................... 390 868 482 303 269 611 762 Regular contributions for support........ 403 e/ 417 313 343 703 e/ 173 e/ 300 Other income............................. 189 e/ 315 133 244 174 e/ 98 e/ 45 Personal taxes............................. 4,403 657 2,534 4,498 6,916 6,813 1,235 Federal income taxes..................... 3,432 405 1,894 3,466 5,506 5,791 656 State and local income taxes............. 782 247 548 841 1,122 776 168 Other taxes.............................. 189 e/ 5 93 191 289 246 411 Income after taxes......................... 57,366 26,890 45,648 62,712 68,445 58,968 35,673 Net change in total assets and liabilities... -2,308 -3,999 -4,132 -5,773 6,577 -1,885 -3,076 Net change in total assets............... 8,146 1,195 7,626 7,677 12,722 2,823 2,948 Net change in total liabilities.......... 10,454 5,194 11,758 13,450 6,145 4,708 6,024 Other financial information: Other money receipts..................... 454 e/ 5 284 387 450 1,331 e/ 1,689 Mortgage principal paid on owned property................................ -1,860 -97 -1,096 -2,276 -2,208 -2,390 -900 Estimated market value of owned home..... 115,696 13,746 70,432 130,140 149,663 125,129 141,963 Estimated monthly rental value of owned home.................................... 774 102 554 863 959 824 684 Gifts of goods and services................. 1,052 512 651 980 1,681 1,498 722 Food..................................... 71 e/ 6 27 50 133 261 e/ 14 Alcoholic beverages...................... 14 e/ 5 7 20 10 e/ 22 e/ 16 Housing.................................. 325 189 255 338 442 290 157 Housekeeping supplies.................. 50 17 41 58 53 71 e/ 11 Household textiles..................... 13 e/ 9 11 13 19 e/ 4 e/ 15 Appliances and miscellaneous housewares........................... 26 e/ 2 19 34 29 e/ 17 e/ 17 Major appliances..................... 4 d/ e/ 3 2 9 e/ 4 e/ 5 Small appliances and miscellaneous housewares......................... 22 e/ 2 16 31 20 e/ 13 e/ 12 Miscellaneous household equipment...... 75 e/ 15 47 86 103 85 e/ 44 Other housing.......................... 160 145 138 147 238 113 e/ 70 Apparel and services..................... 232 164 205 241 242 338 190 Males, 2 and over...................... 55 e/ 29 49 50 67 80 79 Females, 2 and over.................... 76 e/ 69 51 79 95 100 e/ 73 Children under 2....................... 59 49 71 64 39 67 e/ 35 Other apparel products and services.... 43 e/ 18 35 48 41 91 e/ 3 Jewelry and watches.................. 14 e/ 8 7 13 19 e/ 35 e/ 2 All other apparel products and services............................ 29 e/ 9 28 35 22 e/ 56 e/ 1 Transportation........................... 41 3 21 25 104 33 41 Health care.............................. 24 e/ 4 e/ 2 13 74 e/ 27 e/ 11 Entertainment............................ 98 e/ 59 65 99 131 110 119 Toys, games, hobbies, and tricycles.... 27 e/ 13 21 25 35 40 e/ 44 Other entertainment.................... 71 e/ 46 44 74 96 70 75 Personal care products and services...... 28 59 13 39 14 61 e/ 27 Reading.................................. 1 d/ c/ 1 2 3 e/ 1 Education................................ 152 e/ 15 22 102 430 142 e/ 75 All other gifts.......................... 65 e/ 8 32 52 97 210 72 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.