Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 Total Item two or Under 25-34 35-44 45-54 55-64 65 and 65-74 75 and more 25 over over persons Number of consumer units (in thousands)...... 76,979 3,834 14,673 20,010 16,696 10,050 11,716 7,338 4,378 Income before taxes a/ ...................... $52,599 $28,330 $47,259 $59,179 $66,809 $57,490 $33,057 $35,698 $28,597 Income after taxes a/ ....................... 48,934 27,130 44,356 55,144 61,229 52,983 31,511 33,818 27,616 Age of the reference person.................. 46.6 21.8 29.9 39.5 49.2 59.1 73.1 69.1 79.9 Average number in consumer unit: Persons..................................... 3.1 2.9 3.4 3.7 3.2 2.6 2.3 2.4 2.2 Children under 18........................... .9 .8 1.5 1.6 .7 .3 .1 .2 .1 Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.7 1.8 1.7 1.9 2.1 1.6 .7 .8 .4 Vehicles.................................... 2.3 1.6 1.9 2.3 2.8 2.6 2.0 2.2 1.7 Percent distribution: Male........................................ 58 42 53 55 61 65 68 67 68 Female...................................... 42 58 47 45 39 35 32 33 32 Homeowner................................... 72 20 51 72 82 86 88 88 87 With mortgage.............................. 46 13 43 59 60 44 23 28 14 Without mortgage........................... 25 7 8 13 23 42 65 60 73 Renter...................................... 28 80 49 28 18 14 12 12 13 Black....................................... 12 17 16 12 11 10 9 10 8 White and other............................. 88 83 84 88 89 90 91 90 92 Elementary (1-8)............................ 6 3 3 3 4 8 14 11 18 High school (9-12).......................... 41 50 41 40 34 43 46 47 44 College..................................... 53 47 55 57 61 49 40 42 37 Never attended and other.................... c/ c/ c/ c/ c/ c/ 1 c/ 1 At least one vehicle owned or leased........ 93 83 90 93 95 94 92 93 90 Average annual expenditures.................. $43,728 $29,433 $40,498 $47,552 $51,970 $44,809 $33,492 $36,230 $28,927 Food........................................ 6,032 4,262 5,733 6,682 6,941 5,945 4,780 5,079 4,293 Food at home............................. 3,569 2,476 3,376 3,928 4,018 3,487 3,077 3,223 2,839 Cereals and bakery products............ 542 362 500 616 617 506 468 482 446 Cereals and cereal products.......... 193 140 198 227 207 162 154 157 148 Bakery products...................... 350 222 303 388 409 344 315 325 297 Meats, poultry, fish, and eggs......... 942 680 894 1,016 1,067 941 809 869 712 Beef................................. 283 221 274 302 320 283 232 253 196 Pork................................. 199 141 182 207 224 210 185 202 158 Other meats.......................... 120 84 113 134 134 114 102 109 91 Poultry.............................. 171 125 173 189 190 162 136 145 121 Fish and seafood..................... 131 81 117 141 157 127 118 123 111 Eggs................................. 40 29 36 43 42 45 37 38 35 Dairy products......................... 389 262 372 445 422 361 344 364 311 Fresh milk and cream................. 153 111 153 178 159 135 131 132 128 Other dairy products................. 236 151 219 267 262 225 213 231 183 Fruits and vegetables.................. 606 381 554 627 676 626 608 616 595 Fresh fruits......................... 185 108 161 191 204 196 202 193 218 Fresh vegetables..................... 182 109 169 182 209 201 178 185 166 Processed fruits..................... 136 99 125 145 151 128 134 139 125 Processed vegetables................. 102 65 99 110 113 101 94 99 86 Other food at home..................... 1,090 790 1,056 1,224 1,236 1,053 848 893 775 Sugar and other sweets............... 138 87 116 158 158 138 122 126 114 Fats and oils........................ 100 67 92 104 115 103 95 100 89 Miscellaneous foods.................. 511 406 543 579 561 462 369 392 331 Nonalcoholic beverages............... 293 212 273 331 345 290 218 221 213 Food prepared by consumer unit on out-of-town trips................... 47 18 32 52 58 59 44 54 27 Food away from home.................... 2,462 1,786 2,356 2,754 2,923 2,458 1,703 1,856 1,453 Alcoholic beverages......................... 361 319 376 387 394 385 244 275 193 Housing..................................... 13,836 9,388 13,732 15,659 15,605 13,507 10,115 10,883 8,831 Shelter.................................. 7,882 5,694 8,118 9,207 8,964 7,121 5,149 5,584 4,420 Owned dwellings........................ 5,495 1,039 4,671 6,896 6,849 5,383 3,756 4,137 3,117 Mortgage interest and charges........ 3,252 626 3,238 4,586 4,097 2,655 1,160 1,447 679 Property taxes....................... 1,299 240 867 1,391 1,618 1,569 1,342 1,411 1,225 Maintenance, repairs, insurance,other expenses............................ 944 173 567 919 1,135 1,159 1,254 1,278 1,213 Rented dwellings....................... 1,846 4,473 3,221 1,888 1,271 926 798 736 902 Other lodging.......................... 541 183 226 423 843 812 595 711 401 Utilities, fuels, and public services.... 2,783 1,779 2,509 2,896 3,139 3,004 2,567 2,721 2,308 Natural gas............................ 327 155 287 343 354 367 335 339 328 Electricity............................ 1,045 676 909 1,067 1,185 1,155 1,006 1,064 910 Fuel oil and other fuels............... 98 29 60 93 114 112 141 151 124 Telephone services..................... 972 791 984 1,033 1,094 986 727 797 610 Water and other public services........ 340 128 269 359 391 385 358 370 336 Household operations..................... 778 384 1,010 989 674 569 584 533 667 Personal services...................... 394 292 782 621 174 105 114 119 104 Other household expenses............... 384 92 228 368 500 464 470 414 563 Housekeeping supplies.................... 594 293 513 659 637 692 557 613 465 Laundry and cleaning supplies.......... 155 90 140 172 157 189 135 140 126 Other household products............... 291 128 245 336 317 339 260 300 197 Postage and stationery................. 148 75 127 151 163 165 162 174 142 Household furnishings and equipment...... 1,800 1,237 1,582 1,908 2,192 2,121 1,259 1,432 972 Household textiles..................... 128 56 118 129 164 131 115 137 80 Furniture.............................. 447 425 485 483 515 422 269 324 177 Floor coverings........................ 54 15 45 50 59 92 46 49 40 Major appliances....................... 219 145 189 222 259 238 202 204 199 Small appliances, miscellaneous housewares............................ 109 69 88 102 138 150 87 96 72 Miscellaneous household equipment...... 843 528 658 924 1,057 1,088 539 622 403 Apparel and services........................ 2,151 1,676 2,247 2,427 2,575 2,033 1,243 1,424 946 Men and boys............................. 533 344 557 586 659 512 328 398 214 Men, 16 and over....................... 405 291 384 364 551 460 295 356 195 Boys, 2 to 15.......................... 129 53 173 222 108 53 33 41 18 Women and girls.......................... 822 494 769 958 1,029 796 516 562 440 Women, 16 and over..................... 669 424 597 692 868 731 485 525 420 Girls, 2 to 15......................... 153 70 172 267 161 65 31 37 20 Children under 2......................... 105 183 200 115 64 66 30 38 17 Footwear................................. 387 388 432 434 442 360 196 222 156 Other apparel products and services...... 303 267 289 334 381 299 172 204 120 Transportation.............................. 8,700 7,358 8,554 9,116 10,248 8,858 6,272 7,101 4,883 Vehicle purchases (net outlay)........... 4,142 4,094 4,345 4,317 4,656 4,159 2,860 3,242 2,219 Cars and trucks, new................... 1,965 1,296 1,751 1,889 2,180 2,515 1,806 2,030 1,431 Cars and trucks, used.................. 2,132 2,751 2,509 2,378 2,427 1,629 1,051 1,208 787 Other vehicles......................... 44 d/ 47 85 50 48 d/ 16 d/ 3 d/ 4 e/ Gasoline and motor oil................... 1,401 1,129 1,317 1,533 1,676 1,424 962 1,103 724 Other vehicle expenses................... 2,692 1,915 2,542 2,821 3,371 2,707 1,936 2,173 1,539 Vehicle finance charges................ 407 358 479 444 483 405 165 215 81 Maintenance and repairs................ 749 573 599 767 953 775 656 712 561 Vehicle insurance...................... 906 641 797 909 1,167 922 738 791 650 Vehicle rental, leases, licenses, other charges.............................. 630 343 668 701 769 604 378 455 247 Public transportation.................... 464 221 349 445 546 569 514 582 401 Health care................................. 2,261 772 1,354 1,858 2,452 2,838 3,810 3,613 4,141 Health insurance......................... 1,084 347 699 875 1,098 1,288 1,971 1,905 2,082 Medical services......................... 638 258 399 593 801 821 746 725 780 Drugs.................................... 420 121 187 286 418 582 907 822 1,050 Medical supplies......................... 119 46 70 104 134 146 186 160 229 Entertainment............................... 2,258 1,417 1,964 2,614 2,693 2,386 1,574 1,834 1,138 Fees and admissions...................... 601 263 439 721 750 627 477 549 356 Television, radios, sound equipment...... 695 622 688 793 790 628 483 537 393 Pets, toys, and playground equipment..... 404 260 416 495 442 394 241 291 158 Other entertainment supplies, equipment,and services.................. 557 273 421 605 711 737 373 457 232 Personal care products and services......... 641 467 599 692 719 654 543 570 499 Reading..................................... 167 66 117 162 204 206 189 202 167 Education................................... 724 943 472 720 1,371 571 186 200 162 Tobacco products and smoking supplies....... 356 348 335 416 406 376 198 235 136 Miscellaneous............................... 908 478 763 931 1,113 1,025 805 858 716 Cash contributions.......................... 1,252 207 505 1,071 1,633 1,552 2,037 2,176 1,804 Personal insurance and pensions............. 4,082 1,730 3,747 4,815 5,616 4,473 1,495 1,781 1,016 Life and other personal insurance........ 501 89 284 471 688 691 532 626 374 Pensions and Social Security............. 3,581 1,641 3,463 4,344 4,929 3,782 964 1,155 643 Sources of income and personal taxes: a/ Money income before taxes.................. 52,599 28,330 47,259 59,179 66,809 57,490 33,057 35,698 28,597 Wages and salaries....................... 42,854 24,903 44,331 53,690 58,366 41,527 8,883 11,533 4,407 Self-employment income................... 3,017 1,381 1,269 2,916 4,451 5,913 1,678 1,972 1,182 Social Security, private and government retirement................... 4,764 411 404 714 1,937 7,813 19,705 19,428 20,173 Interest, dividends, rental income, other property income................... 890 101 173 575 852 1,404 2,207 2,131 2,333 Unemployment and workers'' compensation, veterans'' benefits..................... 206 138 165 257 287 197 96 115 66 Public assistance, supplemental security, income, food stamps..................... 380 564 435 372 320 421 313 325 294 Regular contributions for support........ 319 503 332 489 341 106 97 95 d/ 100 Other income............................. 169 329 149 167 255 109 77 99 41 Personal taxes............................. 3,665 1,200 2,903 4,035 5,580 4,507 1,546 1,881 980 Federal income taxes..................... 2,812 866 2,201 3,111 4,348 3,477 1,109 1,339 721 State and local income taxes............. 675 320 623 784 995 766 173 219 94 Other taxes.............................. 177 14 78 140 238 264 264 323 165 Income after taxes......................... 48,934 27,130 44,356 55,144 61,229 52,983 31,511 33,818 27,616 Net change in total assets and liabilities... 107 -672 -2,012 -2,073 3,353 1,499 920 89 2,314 Net change in total assets............... 7,661 3,472 10,058 8,786 10,376 5,221 2,331 1,606 3,546 Net change in total liabilities.......... 7,554 4,144 12,069 10,859 7,023 3,722 1,411 1,517 1,232 Other financial information: Other money receipts..................... 542 277 341 427 486 1,033 735 1,006 282 Mortgage principal paid on owned property................................ -1,587 -206 -877 -1,762 -2,186 -2,662 -854 -1,145 -366 Estimated market value of owned home..... 104,634 16,808 63,117 107,426 126,837 138,795 119,655 127,029 107,296 Estimated monthly rental value of owned home.................................... 699 139 479 736 838 839 777 793 749 Gifts of goods and services................. 1,205 646 691 1,002 1,939 1,635 984 983 982 Food..................................... 93 11 37 65 193 155 45 46 44 Alcoholic beverages...................... 17 6 23 20 18 15 9 8 11 Housing.................................. 330 141 241 295 484 402 291 277 313 Housekeeping supplies.................. 46 25 42 52 48 53 40 44 33 Household textiles..................... 15 d/ 5 9 12 25 21 15 21 6 Appliances and miscellaneous housewares........................... 35 10 20 27 52 53 34 38 26 Major appliances..................... 8 d/ 3 3 5 18 10 6 7 d/ 4 Small appliances and miscellaneous housewares......................... 26 8 17 22 34 43 28 31 23 Miscellaneous household equipment...... 74 31 44 71 99 101 71 82 51 Other housing.......................... 161 70 125 133 260 174 131 91 195 Apparel and services..................... 253 140 204 232 333 347 202 221 171 Males, 2 and over...................... 70 31 54 52 91 119 61 73 41 Females, 2 and over.................... 88 46 56 78 135 105 82 74 95 Children under 2....................... 50 36 59 58 49 58 25 30 16 Other apparel products and services.... 46 27 35 45 58 64 35 44 19 Jewelry and watches.................. 15 8 10 14 19 20 14 19 5 All other apparel products and services............................ 31 19 25 30 39 44 21 26 d/ 14 Transportation........................... 73 189 23 53 96 115 64 67 58 Health care.............................. 30 d/ 3 5 17 47 48 51 52 50 Entertainment............................ 110 65 74 105 122 149 127 126 129 Toys, games, hobbies, and tricycles.... 34 15 24 27 38 57 37 46 23 Other entertainment.................... 76 50 49 78 84 91 90 80 105 Personal care products and services...... 21 27 16 27 18 30 11 13 6 Reading.................................. 2 c/ 1 1 3 3 4 5 4 Education................................ 192 33 24 121 520 218 84 74 101 All other gifts.......................... 84 29 43 66 105 154 95 95 95 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.