Table 3. By AGE OF REFERENCE PERSON: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1995 All 65 and 75 and Item consumer Under 25 25 - 34 35 - 44 45 - 54 55 - 64 over 65 - 74 over units _________________________________________________________________________________ Number of consumer units (in thousands)... 103,123 7,093 19,540 23,440 18,633 12,624 21,792 11,933 9,860 Income before taxes 1/.................... $36,918 $17,274 $35,655 $45,133 $52,044 $38,326 $22,148 $25,553 $18,006 Income after taxes 1/..................... 33,864 16,195 32,359 41,338 47,121 35,201 21,068 24,205 17,252 Age of reference person................... 48.0 21.6 29.9 39.4 49.1 59.4 74.4 69.3 80.6 Average number in consumer unit:.......... Persons.................................. 2.5 1.9 2.8 3.2 2.8 2.2 1.7 1.9 1.5 Children under 18........................ 0.7 0.4 1.1 1.3 0.6 0.2 0.1 0.1 0.0 Persons 65 and over...................... 0.3 0 0 0 0 0.1 1.4 1.4 1.4 Earners.................................. 1.3 1.2 1.5 1.7 1.9 1.4 0.4 0.6 0.2 Vehicles................................. 1.9 1.2 1.7 2.1 2.5 2.2 1.4 1.8 1.0 Percent distribution: Male..................................... 62 53 64 67 68 64 54 60 48 Female................................... 38 47 36 33 32 36 46 40 52 Percent homeowner........................ 64 12 44 63 76 81 79 82 76 With mortgage........................... 38 9 38 53 56 38 14 20 8 Without mortgage........................ 26 3 7 11 20 43 65 62 68 Renter................................... 36 88 56 37 24 19 21 18 24 Black.................................... 11 11 12 13 11 11 9 10 7 White and other.......................... 89 89 88 87 89 89 91 90 93 Elementary (1-8)......................... 9 2 3 4 5 12 21 18 25 High school (9-12)....................... 44 42 42 44 42 45 48 46 50 College.................................. 47 56 55 52 53 42 30 35 24 Never attended and other................. 0 1 0 0 0 1 1 1 1 At least one vehicle owned............... 86 72 86 89 91 91 78 86 69 Average annual expenditures............... $32,264 $18,425 $31,493 $38,397 $42,179 $32,626 $22,249 $25,277 $18,572 Food..................................... 4,505 2,690 4,469 5,368 5,468 4,541 3,388 3,895 2,767 Food at home............................ 2,803 1,407 2,758 3,345 3,223 2,833 2,367 2,610 2,069 Cereals and bakery products............ 441 227 422 539 501 425 385 419 344 Cereals and cereal products........... 165 95 172 208 183 151 130 141 117 Bakery products....................... 276 133 251 331 318 274 255 277 227 Meats, poultry, fish, and eggs......... 752 331 724 900 899 807 610 699 500 Beef.................................. 228 108 217 273 274 253 175 205 140 Pork.................................. 156 61 159 181 184 169 127 136 116 Other meats........................... 104 52 99 129 114 111 86 91 79 Poultry............................... 138 66 132 170 169 127 113 137 84 Fish and seafood...................... 97 27 90 111 125 114 81 101 56 Eggs.................................. 30 16 28 36 32 33 28 29 26 Dairy products......................... 297 155 301 352 338 293 248 274 217 Fresh milk and cream.................. 123 66 135 147 134 121 98 110 84 Other dairy products.................. 174 89 167 206 204 171 150 164 133 Fruits and vegetables.................. 457 213 433 509 513 496 437 459 409 Fresh fruits.......................... 144 61 137 157 157 153 151 160 139 Fresh vegetables...................... 137 57 122 148 166 157 132 142 120 Processed fruits...................... 96 55 96 110 100 102 87 86 89 Processed vegetables.................. 80 40 78 94 90 84 67 71 61 Other food at home..................... 856 482 878 1,044 973 812 687 759 599 Sugar and other sweets................ 112 50 113 129 124 113 104 103 104 Fats and oils......................... 82 34 80 97 87 86 79 89 66 Miscellaneous foods................... 377 227 402 477 422 325 287 316 252 Nonalcoholic beverages................ 240 155 246 289 283 230 182 201 159 Food prep. by cu, out-of-town trips... 45 16 37 52 57 59 36 50 18 Food away from home..................... 1,702 1,283 1,711 2,023 2,245 1,708 1,021 1,285 698 Alcoholic beverages...................... 277 277 299 314 348 253 171 206 129 Housing.................................. 10,458 5,908 10,532 12,625 12,886 10,294 7,585 7,918 7,185 Shelter................................. 5,928 3,622 6,157 7,551 7,556 5,359 3,666 4,011 3,247 Owned dwellings........................ 3,749 484 3,096 5,060 5,572 3,799 2,398 2,815 1,894 Mortgage interest and charges......... 2,104 306 2,205 3,382 3,199 1,719 509 730 242 Property taxes........................ 930 86 545 984 1,413 1,116 972 1,071 853 Maintenance, rep., ins., oth. exp..... 715 93 346 694 961 964 916 1,014 798 Rented dwellings....................... 1,788 2,984 2,876 2,106 1,335 988 933 782 1,116 Other lodging.......................... 391 154 185 385 649 572 335 415 237 Utilities, fuels, and public services... 2,191 1,160 1,987 2,386 2,627 2,443 1,981 2,151 1,775 Natural gas............................ 268 95 222 279 313 322 284 295 271 Electricity............................ 869 437 761 961 1,034 985 801 888 696 Fuel oil and other fuels............... 86 17 49 84 92 105 128 120 138 Telephone.............................. 708 541 744 777 859 723 516 577 443 Water and other public services........ 259 69 211 284 329 308 251 271 226 Household operations.................... 509 200 701 604 446 375 465 342 614 Personal services...................... 258 156 560 378 115 65 127 26 248 Other household expenses............... 250 44 141 226 331 309 338 315 366 Housekeeping supplies................... 430 135 360 490 501 514 423 481 351 Laundry and cleaning supplies.......... 110 38 114 131 121 129 90 112 62 Other household products............... 194 44 152 216 239 243 195 224 160 Postage and stationery................. 125 52 95 143 141 141 138 145 130 Household furnishings and equipment..... 1,401 792 1,327 1,595 1,755 1,604 1,051 933 1,197 Household textiles..................... 100 24 83 112 158 126 67 93 36 Furniture.............................. 327 270 390 433 394 281 143 173 107 Floor coverings........................ 177 38 85 142 165 167 367 86 712 Major appliances....................... 155 94 137 171 189 177 132 160 99 Small appliances, misc. housewares..... 85 63 72 85 101 142 58 70 44 Miscellaneous household equipment...... 557 303 561 652 749 711 284 353 200 Apparel and services..................... 1,704 1,207 1,907 2,079 2,088 1,835 875 1,115 583 Men and boys............................ 425 279 511 536 518 430 191 252 116 Men, 16 and over....................... 329 242 359 372 436 368 170 222 108 Boys, 2 to 15.......................... 96 37 152 163 82 62 20 30 9 Women and girls......................... 660 383 611 774 868 830 407 513 277 Women, 16 and over..................... 559 358 481 590 764 765 377 470 264 Girls, 2 to 15......................... 101 25 131 184 104 65 30 43 13 Children under 2........................ 81 95 154 106 59 45 18 20 17 Footwear................................ 278 230 334 380 311 207 145 176 107 Other apparel products and services..... 259 219 296 283 332 323 114 154 66 Transportation........................... 6,014 4,022 6,198 7,472 8,027 5,732 3,374 4,481 2,035 Vehicle purchases (net outlay).......... 2,638 1,901 2,857 3,626 3,529 2,112 1,164 1,710 503 Cars and trucks, new................... 1,198 553 1,282 1,734 1,339 1,122 679 980 315 Cars and trucks, used.................. 1,406 1,312 1,534 1,852 2,135 953 484 729 187 Other vehicles......................... 34 36 42 41 56 37 1 1 0 Gasoline and motor oil.................. 1,006 701 1,013 1,181 1,324 1,062 604 749 428 Other vehicle expenses.................. 2,015 1,236 2,029 2,289 2,723 2,144 1,284 1,597 905 Vehicle finance charges................ 260 179 347 322 361 223 78 113 36 Maintenance and repairs................ 653 381 580 721 923 710 473 586 335 Vehicle insurance...................... 712 454 668 781 928 792 532 621 423 Veh. rent., leas., licen., oth. chges.. 389 222 434 465 511 419 201 277 110 Public transportation................... 355 184 299 376 451 414 323 424 199 Health care.............................. 1,732 466 1,096 1,607 1,851 1,911 2,648 2,618 2,683 Health insurance........................ 860 209 517 726 817 897 1,541 1,527 1,557 Medical services........................ 512 158 380 595 665 587 480 473 487 Drugs................................... 280 65 139 205 254 344 545 536 556 Medical supplies........................ 80 34 60 81 115 83 82 82 83 Entertainment............................ 1,612 1,083 1,685 1,951 2,137 1,578 926 1,153 651 Fees and admissions..................... 433 226 394 531 585 419 306 376 222 Television, radios, sound equipment..... 542 457 581 657 664 493 335 397 260 Pets, toys, and playground equipment.... 322 157 368 443 398 316 145 182 100 Other supplies, equip., and services.... 315 243 341 319 491 350 140 199 69 Personal care products and services...... 403 243 387 450 517 407 326 380 260 Reading.................................. 162 71 134 173 199 187 161 179 138 Education................................ 471 667 335 437 1,029 364 155 237 54 Tobacco products and smoking supplies.... 269 246 269 310 347 314 139 183 85 Miscellaneous............................ 766 347 688 815 1,018 949 602 628 572 Cash contributions....................... 925 114 456 908 1,463 1,043 1,099 1,164 1,021 Personal insurance and pensions.......... 2,964 1,083 3,038 3,889 4,802 3,217 799 1,122 408 Life and other personal insurance....... 373 69 251 438 562 556 244 304 172 Pensions and Social Security............ 2,591 1,013 2,786 3,451 4,240 2,660 555 818 236 Money income before taxes 1/.............. 36,918 17,274 35,655 45,133 52,044 38,326 22,148 25,553 18,006 Wages and salaries....................... 28,474 14,567 32,656 39,422 44,975 27,438 4,483 6,772 1,699 Self-employment income................... 2,034 595 1,318 3,148 3,305 2,330 725 970 427 Soc. Sec., priv. and gov. retirement..... 4,355 61 202 613 1,690 6,095 14,500 15,316 13,508 Int., divid., rent. inc., property inc... 861 91 185 463 916 1,326 1,811 1,684 1,966 Unemp. and workers' compen., vet. ben.... 279 139 265 352 378 285 173 236 98 Pub. ass., supp. sec. inc., foodstamps... 462 659 614 507 388 458 287 338 224 Regular contributions for support........ 273 753 281 425 255 128 54 54 54 Other income............................. 180 409 134 204 136 268 114 183 30 Personal taxes 1/......................... 3,054 1,079 3,296 3,794 4,923 3,125 1,080 1,348 754 Federal income taxes..................... 2,235 773 2,502 2,765 3,687 2,197 707 882 494 State and local income taxes............. 640 279 735 830 1,002 632 175 228 110 Other taxes.............................. 179 27 60 199 234 296 198 238 150 Income after taxes 1/..................... 33,864 16,195 32,359 41,338 47,121 35,201 21,068 24,205 17,252 Net change in total assets and liabilities (969) (781) (504) (1,932) (2,773) 757 132 9 280 Net change in total assets............... 3,102 1,797 5,368 5,266 2,402 2,271 249 493 (47) Net change in total liabilities.......... 4,071 2,578 5,872 7,198 5,176 1,514 117 484 (328) Other money receipts...................... 462 54 177 269 903 665 563 325 851 Mortgage principal paid, owned property... (1,063) (101) (685) (1,643) (1,660) (1,092) (562) (713) (378) Estimated market value of owned home...... 71,655 6,638 41,860 77,239 97,103 89,967 81,160 86,635 74,535 Est. monthly rental value of owned home... 496 60 328 543 652 622 530 568 484 Gifts of goods and services............... 986 427 695 895 1,716 1,363 692 799 563 Food.................................... 88 19 43 59 200 128 63 56 71 Housing................................. 250 165 221 232 403 288 172 206 130 Housekeeping supplies................. 38 22 28 41 53 46 31 34 27 Household textiles.................... 10 0 9 10 17 12 8 11 4 Appliances and misc. housewares....... 27 12 21 20 35 60 21 31 9 Major appliances.................... 5 0 1 3 8 9 5 9 1 Small appl. and misc. housewares.... 23 12 20 17 27 50 16 22 8 Miscellaneous household equipment..... 66 36 48 72 89 77 60 82 33 Other housing......................... 108 94 115 88 208 94 53 49 57 Apparel and services.................... 258 125 241 264 320 458 144 179 101 Males 2 and over...................... 70 52 60 76 79 120 41 48 32 Females 2 and over.................... 94 27 67 82 110 240 55 67 41 Children under 2...................... 40 22 48 53 46 39 17 18 16 Other apparel products and services... 55 24 66 53 85 59 31 46 13 Jewelry and watches................. 27 17 26 25 44 24 19 31 3 All other apparel products and serv. 29 6 40 28 41 35 12 14 9 Transportation.......................... 48 14 24 45 73 76 46 48 44 Health care............................. 22 1 7 17 42 24 31 10 56 Entertainment........................... 86 47 67 93 110 134 62 78 42 Toys, games, hobbies, and tricycles... 29 10 25 25 38 57 20 29 9 Other entertainment................... 57 36 43 68 72 77 41 48 33 Education............................... 120 16 16 65 406 132 55 84 20 All other gifts......................... 114 39 76 121 162 123 120 137 98 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.