Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 75,872 3,279 15,159 20,137 15,660 9,498 12,140 7,710 4,430 Income before taxes a/ ...................... $48,290 $24,488 $44,777 $53,228 $63,200 $50,193 $31,211 $33,442 $27,165 Income after taxes a/ ....................... 44,530 23,409 41,337 48,924 57,643 46,204 29,604 31,649 25,895 Age of the reference person.................. 46.7 22.0 29.9 39.5 49.1 59.3 73.2 69.1 80.3 Average number in consumer unit: Persons..................................... 3.1 2.9 3.4 3.7 3.1 2.6 2.3 2.4 2.2 Children under 18........................... 1.0 .9 1.4 1.6 .8 .2 .1 .1 .1 Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.6 1.5 1.8 Earners..................................... 1.6 1.7 1.7 1.9 2.1 1.6 .6 .8 .4 Vehicles.................................... 2.4 1.5 2.0 2.4 2.8 2.6 2.1 2.3 1.8 Percent distribution: Male........................................ 65 50 58 61 68 70 74 74 75 Female...................................... 35 50 42 39 32 30 26 26 25 Homeowner................................... 72 18 50 71 82 85 89 90 88 With mortgage.............................. 46 12 43 59 62 44 19 24 11 Without mortgage........................... 25 6 7 12 20 42 70 66 76 Renter...................................... 28 82 50 29 18 15 11 10 12 Black....................................... 12 19 15 14 10 11 8 9 6 White and other............................. 88 81 85 86 90 89 92 91 94 Elementary (1-8)............................ 6 5 3 4 5 9 16 14 19 High school (9-12).......................... 41 53 40 40 34 43 46 46 46 College..................................... 53 43 56 56 61 47 37 39 34 Never attended and other.................... c/ d/ c/ c/ c/ c/ 1 1 1 At least one vehicle owned or leased........ 93 80 90 93 96 93 93 94 91 Average annual expenditures.................. $40,659 $25,928 $37,710 $44,177 $49,534 $41,348 $30,602 $32,648 $27,001 Food....................................... 5,657 3,914 5,090 6,299 6,631 5,663 4,565 4,910 3,941 Food at home............................. 3,397 2,389 3,044 3,764 3,842 3,412 2,962 3,105 2,704 Cereals and bakery products............ 526 357 462 601 595 505 465 479 440 Cereals and cereal products.......... 186 138 181 218 204 162 150 153 145 Bakery products...................... 340 218 281 383 391 343 315 326 295 Meats, poultry, fish, and eggs......... 895 622 790 978 1,026 926 779 831 683 Beef................................. 273 215 246 301 315 269 227 247 190 Pork................................. 186 124 155 195 212 206 178 184 168 Other meats.......................... 114 74 98 129 128 115 103 111 88 Poultry.............................. 172 116 164 196 191 165 139 149 119 Fish and seafood..................... 111 59 95 117 136 129 93 101 79 Eggs................................. 39 34 33 39 42 42 39 38 39 Dairy products......................... 368 255 339 429 394 355 319 332 295 Fresh milk and cream................. 150 117 141 181 148 135 134 137 128 Other dairy products................. 219 138 199 248 246 220 185 195 167 Fruits and vegetables.................. 561 366 483 588 635 606 545 553 531 Fresh fruits......................... 175 112 148 178 199 194 179 177 183 Fresh vegetables..................... 171 102 146 172 197 199 166 169 160 Processed fruits..................... 119 81 104 129 136 119 113 113 112 Processed vegetables................. 95 72 84 108 103 95 87 94 75 Other food at home..................... 1,047 789 970 1,169 1,192 1,020 854 909 754 Sugar and other sweets............... 133 80 114 148 150 138 122 127 113 Fats and oils........................ 95 65 80 100 106 101 97 98 95 Miscellaneous foods.................. 473 379 475 542 524 423 355 370 329 Nonalcoholic beverages............... 284 232 253 322 328 279 223 244 184 Food prepared by consumer unit on out-of-town trips................... 62 33 47 56 83 80 57 70 34 Food away from home...................... 2,260 1,525 2,046 2,535 2,789 2,251 1,603 1,805 1,238 Alcoholic beverages......................... 323 268 343 326 358 325 264 303 194 Housing..................................... 13,029 8,485 12,826 14,677 15,097 12,658 9,420 9,892 8,596 Shelter.................................. 7,211 4,981 7,416 8,459 8,426 6,446 4,515 4,788 4,039 Owned dwellings........................ 4,916 791 4,078 6,138 6,320 4,840 3,302 3,603 2,778 Mortgage interest and charges........ 2,892 475 2,857 4,109 3,819 2,378 775 1,004 377 Property taxes....................... 1,170 161 734 1,204 1,508 1,383 1,325 1,382 1,226 Maintenance, repairs, insurance,other expenses............................ 855 155 487 825 993 1,080 1,202 1,217 1,175 Rented dwellings....................... 1,775 4,058 3,070 1,887 1,235 914 726 640 877 Other lodging.......................... 519 132 269 434 872 692 487 546 384 Utilities, fuels, and public services.... 2,754 1,689 2,441 2,898 3,158 2,912 2,550 2,655 2,366 Natural gas............................ 334 150 292 344 354 376 361 357 367 Electricity............................ 1,057 679 891 1,104 1,220 1,117 1,029 1,073 951 Fuel oil and other fuels............... 111 21 72 104 147 132 132 136 124 Telephone services..................... 915 739 930 983 1,041 916 668 724 569 Water and other public services........ 338 100 256 363 395 372 361 365 354 Household operations..................... 654 403 832 825 581 469 458 392 571 Personal services...................... 343 319 642 534 169 76 94 63 149 Other household expenses............... 311 84 189 291 412 392 364 330 422 Housekeeping supplies.................... 556 250 441 603 603 749 507 528 470 Laundry and cleaning supplies.......... 142 91 128 157 159 149 126 133 114 Other household products............... 265 102 193 287 276 436 223 230 210 Postage and stationery................. 148 57 120 159 169 164 158 164 147 Household furnishings and equipment...... 1,854 1,162 1,696 1,892 2,329 2,083 1,390 1,528 1,149 Household textiles..................... 127 54 106 124 167 162 103 125 64 Furniture.............................. 451 338 503 485 517 484 249 292 173 Floor coverings........................ 131 e/ 40 60 113 210 130 174 150 219 Major appliances....................... 199 147 160 214 209 262 173 175 171 Small appliances, miscellaneous housewares............................ 100 63 77 98 130 131 79 90 60 Miscellaneous household equipment...... 846 521 790 857 1,097 915 612 696 463 Apparel and services....................... 2,004 1,617 2,045 2,315 2,408 1,800 1,176 1,398 775 Men and boys............................. 473 338 439 576 611 380 276 343 154 Men, 16 and over....................... 360 290 314 377 508 330 242 298 140 Boys, 2 to 15.......................... 113 48 125 199 103 50 34 46 13 Women and girls.......................... 775 537 729 891 985 696 496 571 361 Women, 16 and over..................... 635 473 572 644 852 636 460 526 341 Girls, 2 to 15......................... 140 64 156 247 133 60 36 45 20 Children under 2......................... 98 202 190 108 56 39 33 32 34 Footwear................................. 351 290 352 435 394 318 197 243 114 Other apparel products and services...... 307 249 335 305 363 366 174 210 112 Transportation............................. 7,846 6,199 7,614 8,209 9,545 8,173 5,537 6,141 4,486 Vehicle purchases (net outlay)........... 3,473 3,211 3,575 3,675 4,086 3,510 2,262 2,510 1,829 Cars and trucks, new................... 1,583 553 1,321 1,718 2,044 1,841 1,165 1,222 1,066 Cars and trucks, used.................. 1,839 2,538 2,191 1,899 1,984 1,661 1,066 1,239 763 Other vehicles......................... 51 e/ 120 63 58 57 e/ 9 e/ 31 e/ 49 d/ Gasoline and motor oil................... 1,262 956 1,181 1,356 1,543 1,305 891 1,002 698 Other vehicle expenses................... 2,649 1,804 2,481 2,787 3,334 2,749 1,899 2,086 1,573 Vehicle finance charges................ 386 355 481 412 471 335 162 214 71 Maintenance and repairs................ 769 450 627 828 968 816 643 682 576 Vehicle insurance...................... 884 592 764 887 1,123 955 745 819 616 Vehicle rental, leases, licenses, other charges......................... 610 406 609 659 772 643 349 371 310 Public transportation.................... 463 227 376 392 582 609 486 543 386 Health care................................ 2,128 730 1,379 1,801 2,308 2,424 3,528 3,397 3,756 Health insurance......................... 1,030 382 686 853 1,001 1,122 1,892 1,818 2,022 Medical services......................... 608 210 442 592 784 701 649 681 594 Drugs.................................... 369 108 178 245 375 462 812 743 933 Medical supplies......................... 121 30 73 111 148 139 174 155 208 Entertainment.............................. 2,061 1,176 1,925 2,302 2,511 2,139 1,438 1,552 1,240 Fees and admissions...................... 516 229 404 568 702 508 419 440 385 Television, radios, sound equipment...... 614 512 613 675 719 599 416 438 376 Pets, toys, and playground equipment..... 398 238 412 468 443 404 251 289 184 Other entertainment supplies, equipment,and services.................. 533 197 497 591 647 628 352 384 296 Personal care products and services........ 458 301 399 485 553 473 403 416 381 Reading.................................... 178 67 135 165 220 208 206 219 185 Education.................................. 636 611 449 684 1,261 408 171 224 78 Tobacco products and smoking supplies...... 307 300 282 350 342 334 203 247 125 Miscellaneous.............................. 921 393 808 988 1,085 1,092 752 812 648 Cash contributions......................... 1,131 319 600 936 1,538 1,475 1,544 1,401 1,793 Personal insurance and pensions............ 3,978 1,547 3,816 4,639 5,676 4,175 1,396 1,737 803 Life and other personal insurance........ 480 97 293 451 682 691 440 510 318 Pensions and Social Security............. 3,498 1,449 3,523 4,188 4,994 3,484 956 1,227 485 Sources of income and personal taxes: a/ Money income before taxes................. 48,290 24,488 44,777 53,228 63,200 50,193 31,211 33,442 27,165 Wages and salaries....................... 39,093 21,563 41,566 47,670 55,266 36,793 8,573 11,317 3,596 Self-employment income................... 2,567 745 1,549 3,082 4,070 3,545 942 1,046 752 Social Security, private and government retirement................... 4,620 113 222 646 1,788 7,598 18,964 18,481 19,839 Interest, dividends, rental income, other property income................... 870 53 204 476 944 1,312 2,135 1,966 2,442 Unemployment and workers'' compensation, veterans'' benefits..................... 222 153 163 227 305 309 144 118 192 Public assistance, supplemental security, income, food stamps..................... 420 939 512 451 364 366 232 236 226 Regular contributions for support........ 279 502 329 425 249 104 83 77 93 Other income............................. 218 420 231 251 213 164 138 201 e/ 25 Personal taxes............................. 3,760 1,079 3,440 4,304 5,557 3,989 1,607 1,793 1,270 Federal income taxes..................... 2,853 836 2,629 3,258 4,278 2,998 1,150 1,278 918 State and local income taxes............. 736 235 732 875 1,077 760 208 250 133 Other taxes.............................. 171 9 78 172 202 231 249 265 219 Income after taxes.......................... 44,530 23,409 41,337 48,924 57,643 46,204 29,604 31,649 25,895 Net change in total assets and liabilities.. -492 2,503 -2,183 -309 -1,349 -56 1,272 932 1,864 Net change in total assets............... 7,432 5,013 9,978 9,528 6,196 6,951 3,401 3,783 2,737 Net change in total liabilities.......... 7,924 2,510 12,161 9,837 7,545 7,007 2,129 2,851 873 Other financial information: Other money receipts..................... 507 74 550 365 593 616 607 764 333 Mortgage principal paid on owned property................................ -1,362 -309 -792 -1,623 -2,157 -1,826 -534 -668 -302 Estimated market value of owned home..... 92,187 13,283 54,932 92,378 117,669 118,110 106,550 109,763 100,959 Estimated monthly rental value of owned home.............................. 644 112 430 665 784 793 720 742 681 Gifts of goods and services................. 1,142 469 685 893 1,959 1,449 1,017 1,112 851 Food..................................... 94 18 32 65 217 125 62 52 80 Housing.................................. 325 149 276 261 525 396 229 243 204 Housekeeping supplies.................. 43 16 36 51 48 49 39 44 30 Household textiles..................... 15 e/ 4 11 8 16 35 17 24 e/ 4 Appliances and miscellaneous housewares............................ 31 e/ 9 21 22 43 57 31 36 20 Major appliances..................... 7 e/ 5 4 6 12 9 6 7 e/ 4 Small appliances and miscellaneous housewares.......................... 24 e/ 4 17 16 31 48 25 29 16 Miscellaneous household equipment...... 75 29 65 65 100 110 55 60 47 Other housing.......................... 161 91 142 115 317 145 87 78 103 Apparel and services..................... 243 175 187 220 296 326 239 274 177 Males, 2 and over...................... 65 27 50 51 88 92 69 84 42 Females, 2 and over.................... 91 63 53 89 114 116 97 114 66 Children under 2....................... 40 58 49 39 39 29 31 31 32 Other apparel products and services.... 48 27 36 41 55 89 42 45 37 Jewelry and watches.................. 18 14 13 10 21 44 17 17 16 All other apparel products and services............................ 30 e/ 13 23 31 34 45 25 28 e/ 20 Transportation........................... 59 37 21 41 73 63 122 127 114 Health care.............................. 26 e/ 11 7 18 52 40 24 26 e/ 21 Entertainment............................ 93 28 59 71 125 162 95 104 80 Toys, games, hobbies, and tricycles.... 34 14 25 28 38 61 35 46 17 Other entertainment.................... 59 14 34 43 88 101 60 59 62 Education................................ 181 e/ 11 33 111 522 171 93 121 e/ 45 All other gifts.......................... 119 40 69 106 149 165 152 166 128 _____________________________________________ 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.