Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 Total Under 65 and Item three 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 17,020 1,055 3,913 4,500 4,479 1,815 1,258 Income before taxes a/ ...................... $53,455 $28,463 $46,079 $55,102 $67,395 $59,839 $35,556 Income after taxes a/ ....................... 49,787 27,835 43,229 51,259 62,365 54,855 33,808 Age of the reference person.................. 43.2 21.8 29.7 39.7 49.1 58.5 71.9 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 .9 1.1 1.0 .5 .3 .2 Persons 65 and over......................... .2 b/ b/ b/ .1 .1 1.5 Earners..................................... 1.8 1.7 1.6 1.8 2.1 1.9 1.2 Vehicles.................................... 2.3 1.7 1.9 2.2 2.8 2.8 2.2 Percent distribution: Male........................................ 55 42 50 48 60 68 64 Female...................................... 45 58 50 52 40 32 36 Homeowner................................... 68 23 50 68 83 85 85 With mortgage.............................. 48 14 42 54 60 48 32 Without mortgage........................... 20 9 8 13 22 37 53 Renter...................................... 32 77 50 32 17 15 15 Black....................................... 15 18 18 16 12 11 17 White and other............................. 85 82 82 84 88 89 83 Elementary (1-8)............................ 5 3 3 3 4 9 18 High school (9-12).......................... 41 58 41 42 33 43 52 College..................................... 54 39 56 55 63 48 29 Never attended and other.................... c/ 1 c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 92 84 90 92 97 96 90 Average annual expenditures.................. $44,124 $29,454 $39,248 $43,592 $53,022 $48,976 $35,329 Food........................................ 5,932 4,397 4,948 5,996 7,094 6,485 5,382 Food at home............................. 3,550 2,561 3,011 3,579 4,092 3,944 3,653 Cereals and bakery products............ 542 394 445 554 629 588 582 Cereals and cereal products.......... 188 146 172 197 201 200 190 Bakery products...................... 354 249 273 357 428 388 392 Meats, poultry, fish, and eggs......... 941 680 748 985 1,081 1,095 906 Beef................................. 289 225 237 290 334 338 283 Pork................................. 199 144 143 218 224 247 187 Other meats.......................... 115 80 97 122 133 111 123 Poultry.............................. 169 121 144 177 187 190 171 Fish and seafood..................... 131 82 96 139 161 165 96 Eggs................................. 38 27 31 38 42 45 46 Dairy products......................... 386 275 335 390 435 417 426 Fresh milk and cream................. 155 118 140 159 171 153 173 Other dairy products................. 231 157 195 231 264 264 253 Fruits and vegetables.................. 587 384 475 578 682 694 694 Fresh fruits......................... 176 110 140 173 197 231 205 Fresh vegetables..................... 177 111 142 175 210 206 203 Processed fruits..................... 132 95 113 128 154 143 160 Processed vegetables................. 102 68 81 102 121 113 126 Other food at home..................... 1,093 828 1,008 1,071 1,265 1,150 1,045 Sugar and other sweets............... 130 88 99 134 158 148 127 Fats and oils........................ 97 63 75 98 115 116 100 Miscellaneous foods.................. 528 444 548 504 588 519 470 Nonalcoholic beverages............... 299 220 259 291 355 319 310 Food prepared by consumer unit on out-of-town trips................... 40 13 27 45 48 49 39 Food away from home.................... 2,382 1,836 1,937 2,417 3,003 2,541 1,729 Alcoholic beverages......................... 363 341 306 374 443 382 208 Housing..................................... 13,904 9,560 13,547 14,367 15,705 13,787 10,811 Shelter.................................. 7,912 5,626 7,879 8,277 8,944 7,437 5,640 Owned dwellings........................ 5,340 1,174 4,588 5,765 6,771 5,471 4,365 Mortgage interest and charges........ 3,269 720 3,224 3,815 4,005 2,834 1,606 Property taxes....................... 1,187 297 832 1,072 1,603 1,593 1,388 Maintenance, repairs, insurance,other expenses............................ 883 158 533 878 1,163 1,045 1,370 Rented dwellings....................... 2,081 4,328 3,114 2,185 1,324 1,077 751 Other lodging.......................... 492 125 177 327 849 889 525 Utilities, fuels, and public services.... 2,785 1,821 2,422 2,731 3,170 3,226 2,909 Natural gas............................ 320 175 282 298 352 428 372 Electricity............................ 1,034 708 860 1,018 1,180 1,217 1,126 Fuel oil and other fuels............... 87 d/ 26 60 78 115 102 135 Telephone services..................... 1,012 780 970 1,003 1,125 1,058 905 Water and other public services........ 331 132 251 333 399 421 371 Household operations..................... 865 498 1,218 959 719 723 460 Personal services...................... 501 398 996 630 231 146 d/ 59 Other household expenses............... 364 100 222 328 489 577 401 Housekeeping supplies.................... 552 311 469 581 655 550 593 Laundry and cleaning supplies.......... 139 88 128 145 153 135 167 Other household products............... 272 148 219 303 313 293 272 Postage and stationery................. 140 76 122 133 188 123 154 Household furnishings and equipment...... 1,790 1,304 1,559 1,819 2,216 1,851 1,209 Household textiles..................... 134 91 143 124 152 143 110 Furniture.............................. 474 522 518 449 510 414 349 Floor coverings........................ 53 7 61 34 66 99 28 Major appliances....................... 202 123 175 156 290 272 129 Small appliances, miscellaneous housewares............................ 96 95 74 98 112 101 94 Miscellaneous household equipment...... 830 467 588 958 1,086 822 498 Apparel and services........................ 2,144 2,008 2,112 2,156 2,387 2,243 1,343 Men and boys............................. 515 485 478 468 630 572 353 Men, 16 and over....................... 407 408 326 323 550 520 310 Boys, 2 to 15.......................... 107 77 152 145 80 52 42 Women and girls.......................... 794 505 655 858 969 854 571 Women, 16 and over..................... 655 421 528 628 850 775 535 Girls, 2 to 15......................... 139 84 128 230 119 79 37 Children under 2......................... 142 291 285 118 59 79 28 Footwear................................. 387 495 415 379 392 384 204 Other apparel products and services...... 307 231 279 333 337 354 187 Transportation.............................. 9,218 7,658 8,847 8,336 10,988 10,271 7,025 Vehicle purchases (net outlay)........... 4,485 4,393 4,743 3,938 5,065 4,868 3,100 Cars and trucks, new................... 2,247 1,713 2,222 1,770 2,676 3,093 1,731 Cars and trucks, used.................. 2,193 2,680 2,486 2,115 2,312 1,761 1,356 Other vehicles......................... 45 e/ d/ 35 d/ 53 d/ 78 d/ 14 d/ 12 Gasoline and motor oil................... 1,424 1,164 1,242 1,395 1,706 1,575 1,098 Other vehicle expenses................... 2,873 1,893 2,579 2,613 3,688 3,207 2,180 Vehicle finance charges................ 472 420 535 433 532 453 269 Maintenance and repairs................ 753 520 531 707 985 954 711 Vehicle insurance...................... 976 663 783 871 1,326 1,069 829 Vehicle rental, leases, licenses, other charges.............................. 673 291 730 602 845 731 371 Public transportation.................... 435 208 283 391 529 622 648 Health care................................. 2,013 737 1,319 1,709 2,450 3,078 3,249 Health insurance......................... 966 306 709 796 1,168 1,320 1,696 Medical services......................... 592 263 378 564 731 972 588 Drugs.................................... 355 134 171 262 414 637 831 Medical supplies......................... 100 34 60 87 137 149 134 Entertainment............................... 2,277 1,228 1,974 2,396 2,705 2,501 1,880 Fees and admissions...................... 529 187 353 522 710 726 458 Television, radios, sound equipment...... 705 557 703 715 777 665 605 Pets, toys, and playground equipment..... 399 249 427 454 411 327 319 Other entertainment supplies, equipment,and services.................. 644 235 492 706 807 782 498 Personal care products and services......... 653 414 606 658 758 683 597 Reading..................................... 158 61 113 153 206 198 175 Education................................... 818 381 353 650 1,524 1,037 403 Tobacco products and smoking supplies....... 385 411 308 417 407 451 320 Miscellaneous............................... 924 525 653 888 1,270 1,108 787 Cash contributions.......................... 1,106 106 482 923 1,652 2,133 1,120 Personal insurance and pensions............. 4,228 1,626 3,680 4,570 5,435 4,620 2,027 Life and other personal insurance........ 477 76 260 355 691 866 606 Pensions and Social Security............. 3,751 1,550 3,421 4,215 4,744 3,754 1,422 Sources of income and personal taxes: a/ Money income before taxes.................. 53,455 28,463 46,079 55,102 67,395 59,839 35,556 Wages and salaries....................... 46,558 26,176 43,535 50,355 59,452 46,912 15,318 Self-employment income................... 2,575 d/ 347 1,095 2,306 4,014 4,659 2,353 Social Security, private and government retirement................... 2,600 d/ 235 215 763 1,884 6,141 16,094 Interest, dividends, rental income, other property income................... 540 109 166 380 700 1,307 1,074 Unemployment and workers'' compensation, veterans'' benefits..................... 194 255 107 206 236 286 106 Public assistance, supplemental security, income, food stamps..................... 349 691 359 264 317 326 478 Regular contributions for support........ 443 509 454 724 352 d/ 113 d/ 85 Other income............................. 198 142 149 104 441 d/ 97 d/ 50 Personal taxes............................. 3,667 629 2,850 3,842 5,029 4,983 1,748 Federal income taxes..................... 2,845 334 2,152 2,959 3,944 4,050 1,362 State and local income taxes............. 668 285 617 709 863 773 205 Other taxes.............................. 153 10 80 174 222 160 181 Income after taxes......................... 49,787 27,835 43,229 51,259 62,365 54,855 33,808 Net change in total assets and liabilities... 994 -1,205 -467 1,509 1,789 -680 5,118 Net change in total assets............... 8,872 5,280 9,363 11,987 8,825 3,484 7,155 Net change in total liabilities.......... 7,879 6,485 9,830 10,479 7,036 4,164 2,037 Other financial information: Other money receipts..................... 669 d/ 79 702 791 541 846 831 Mortgage principal paid on owned property................................ -1,450 -228 -807 -1,374 -2,204 -2,048 -1,190 Estimated market value of owned home..... 95,696 18,275 64,778 89,926 125,185 137,465 112,149 Estimated monthly rental value of owned home.................................... 662 150 478 651 840 853 792 Gifts of goods and services................. 1,262 611 661 956 2,168 1,645 1,049 Food..................................... 109 d/ 14 37 59 259 117 50 Alcoholic beverages...................... 19 d/ 6 22 21 23 12 d/ 8 Housing.................................. 337 148 233 259 560 386 238 Housekeeping supplies.................. 47 41 35 62 49 40 32 Household textiles..................... 26 c/ d/ 9 15 50 56 d/ 18 Appliances and miscellaneous housewares........................... 25 d/ 23 20 20 34 31 d/ 24 Major appliances..................... 7 d/ 7 d/ 9 d/ 4 10 11 d/ 1 Small appliances and miscellaneous housewares......................... 18 d/ 16 12 17 24 20 d/ 23 Miscellaneous household equipment...... 65 43 31 45 115 94 43 Other housing.......................... 174 42 138 117 312 164 122 Apparel and services..................... 246 149 210 237 306 308 187 Males, 2 and over...................... 64 32 48 49 101 81 52 Females, 2 and over.................... 76 36 53 81 99 89 60 Children under 2....................... 62 47 82 66 52 73 24 Other apparel products and services.... 44 d/ 34 27 41 55 64 51 Jewelry and watches.................. 13 d/ 9 5 11 15 29 d/ 16 All other apparel products and services............................ 31 d/ 25 d/ 22 30 40 d/ 35 d/ 35 Transportation........................... 68 184 9 42 94 120 89 Health care.............................. 31 d/ 2 d/ 4 19 35 95 d/ 75 Entertainment............................ 106 20 75 86 128 136 237 Toys, games, hobbies, and tricycles.... 29 d/ 11 27 24 29 48 40 Other entertainment.................... 77 10 48 62 99 88 197 Personal care products and services...... 24 26 22 19 27 40 d/ 10 Reading.................................. 1 c/ 1 1 2 3 3 Education................................ 235 d/ 36 14 148 599 267 d/ 60 All other gifts.......................... 86 24 33 64 136 162 92 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 Data are likely to have large sampling errors. e No data reported. n.a. Not applicable.