Table 3. By AGE OF REFERENCE PERSON: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996 ___________________________________________________________________________________________________________________________________________________________________________________________________ | | | | | | | | | Item | All consumer| Under 25 | 25 - 34 | 35 - 44 | 45 - 54 | 55 - 64 | 65 and over | 65 - 74 | 75 and over | units | | | | | | | | ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________ | | | | | | | | | Number of consumer units (in thousands).....................| 104,212| 7,730| 19,632| 23,656| 19,194| 12,446| 21,554| 11,742| 9,811 Income before taxes 1/......................................| $38,014| $14,968| $37,889| $48,363| $51,672| $40,591| $22,426| $25,824| $18,379 Income after taxes 1/.......................................| 34,864| 14,081| 34,618| 44,178| 46,994| 37,025| 21,181| 24,075| 17,733 Age of reference person.....................................| 47.7| 21.3| 29.8| 39.4| 49.2| 59.3| 74.6| 69.4| 80.9 Average number in consumer unit: | | | | | | | | | Persons....................................................| 2.5| 1.8| 2.8| 3.2| 2.7| 2.3| 1.8| 1.9| 1.6 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| 0.0| 0.0| 0.1| 1.4| 1.4| 1.4 Earners....................................................| 1.3| 1.2| 1.5| 1.7| 1.8| 1.4| 0.4| 0.6| 0.2 Vehicles...................................................| 1.9| 1.0| 1.7| 2.1| 2.4| 2.3| 1.5| 1.8| 1.1 Percent distribution: | | | | | | | | | Male.......................................................| 60| 49| 61| 64| 65| 64| 52| 59| 44 Female.....................................................| 40| 51| 39| 36| 35| 36| 48| 41| 56 Percent homeowner..........................................| 64| 10| 45| 64| 76| 79| 80| 82| 77 With mortgage.............................................| 38| 7| 39| 52| 56| 38| 15| 20| 8 Without mortgage..........................................| 26| 3| 6| 12| 19| 41| 65| 63| 69 Renter.....................................................| 36| 90| 55| 36| 24| 21| 20| 18| 23 Black......................................................| 12| 13| 15| 13| 12| 11| 8| 10| 7 White and other............................................| 88| 87| 85| 87| 88| 89| 92| 90| 93 Elementary (1-8)...........................................| 8| 2| 3| 4| 6| 10| 20| 17| 23 High school (9-12).........................................| 41| 36| 40| 41| 38| 44| 47| 47| 46 College....................................................| 50| 62| 57| 55| 56| 45| 32| 35| 30 Never attended and other...................................| 0| 0| 0| 0| 0| 1| 1| 1| 1 At least one vehicle owned.................................| 85| 67| 85| 89| 90| 89| 79| 85| 72 Average annual expenditures.................................| $33,797| $18,384| $33,020| $39,944| $42,772| $36,132| $24,029| $27,739| $19,603 Food.......................................................| 4,698| 2,865| 4,388| 5,692| 5,817| 5,073| 3,378| 3,973| 2,673 Food at home..............................................| 2,876| 1,638| 2,544| 3,472| 3,401| 3,131| 2,384| 2,779| 1,917 Cereals and bakery products..............................| 447| 251| 398| 554| 517| 474| 372| 427| 307 Cereals and cereal products.............................| 166| 111| 166| 211| 180| 155| 129| 145| 110 Bakery products.........................................| 281| 140| 232| 343| 337| 319| 243| 282| 197 Meats, poultry, fish, and eggs...........................| 737| 398| 641| 886| 889| 823| 607| 731| 460 Beef....................................................| 215| 125| 195| 265| 257| 235| 163| 199| 121 Pork....................................................| 157| 79| 133| 192| 175| 175| 144| 176| 106 Other meats.............................................| 99| 50| 84| 125| 119| 117| 74| 87| 60 Poultry.................................................| 144| 82| 132| 161| 182| 167| 114| 134| 90 Fish and seafood........................................| 88| 44| 69| 103| 120| 90| 77| 96| 54 Eggs....................................................| 34| 19| 28| 40| 36| 39| 35| 40| 28 Dairy products...........................................| 312| 185| 285| 393| 348| 323| 258| 292| 217 Fresh milk and cream....................................| 132| 83| 125| 174| 139| 125| 110| 123| 95 Other dairy products....................................| 180| 102| 160| 219| 209| 198| 148| 170| 123 Fruits and vegetables....................................| 490| 254| 416| 569| 573| 544| 457| 526| 376 Fresh fruits............................................| 153| 72| 125| 176| 180| 176| 150| 179| 116 Fresh vegetables........................................| 147| 74| 115| 174| 174| 179| 134| 151| 115 Processed fruits........................................| 110| 61| 103| 128| 123| 111| 101| 113| 85 Processed vegetables....................................| 80| 47| 73| 91| 96| 78| 72| 83| 60 Other food at home.......................................| 889| 550| 804| 1,070| 1,074| 968| 691| 803| 557 Sugar and other sweets..................................| 114| 59| 97| 136| 130| 130| 105| 119| 89 Fats and oils...........................................| 83| 41| 66| 95| 97| 100| 80| 92| 67 Miscellaneous foods.....................................| 391| 276| 385| 482| 459| 395| 277| 321| 224 Nonalcoholic beverages..................................| 252| 151| 216| 302| 324| 280| 189| 222| 151 Food prepared by consumer unit on out-of-town trips.....| 49| 23| 40| 56| 64| 64| 39| 49| 26 Food away from home.......................................| 1,823| 1,226| 1,844| 2,220| 2,416| 1,942| 993| 1,193| 756 Alcoholic beverages........................................| 309| 258| 359| 349| 357| 381| 153| 169| 134 Housing....................................................| 10,747| 5,583| 11,180| 12,874| 12,902| 10,785| 7,945| 8,895| 6,811 Shelter...................................................| 6,064| 3,526| 6,584| 7,535| 7,254| 5,761| 3,999| 4,451| 3,459 Owned dwellings..........................................| 3,783| 508| 3,296| 5,075| 5,213| 3,986| 2,590| 3,033| 2,060 Mortgage interest and charges...........................| 2,114| 282| 2,295| 3,334| 3,106| 1,823| 553| 820| 234 Property taxes..........................................| 939| 141| 629| 1,029| 1,234| 1,176| 1,010| 1,092| 913 Maintenance, repairs, insurance, other expenses.........| 729| 86| 372| 712| 873| 988| 1,027| 1,121| 914 Rented dwellings.........................................| 1,864| 2,787| 3,076| 2,057| 1,450| 1,159| 991| 888| 1,115 Other lodging............................................| 417| 231| 212| 403| 591| 615| 418| 529| 284 Utilities, fuels, and public services.....................| 2,347| 1,096| 2,179| 2,568| 2,783| 2,637| 2,150| 2,359| 1,899 Natural gas..............................................| 291| 85| 254| 311| 328| 342| 316| 331| 297 Electricity..............................................| 907| 391| 818| 994| 1,076| 1,029| 859| 938| 764 Fuel oil and other fuels.................................| 108| 28| 63| 112| 123| 131| 146| 166| 121 Telephone services.......................................| 772| 537| 838| 856| 925| 814| 546| 618| 459 Water and other public services..........................| 268| 55| 206| 295| 331| 322| 284| 306| 258 Household operations......................................| 522| 144| 663| 694| 448| 371| 495| 419| 587 Personal services........................................| 259| 99| 498| 453| 99| 87| 125| 43| 224 Other household expenses.................................| 263| 45| 164| 241| 348| 284| 370| 376| 363 Housekeeping supplies.....................................| 464| 182| 355| 512| 625| 600| 399| 467| 318 Laundry and cleaning supplies............................| 119| 58| 112| 141| 145| 127| 98| 112| 80 Other household products.................................| 205| 69| 148| 238| 261| 280| 182| 220| 137 Postage and stationery...................................| 140| 55| 95| 134| 220| 193| 119| 135| 100 Household furnishings and equipment.......................| 1,350| 635| 1,399| 1,565| 1,792| 1,416| 902| 1,199| 549 Household textiles.......................................| 76| 37| 73| 74| 106| 81| 65| 77| 50 Furniture................................................| 321| 145| 410| 329| 396| 343| 213| 303| 105 Floor coverings..........................................| 101| 8| 62| 189| 123| 74| 70| 103| 30 Major appliances.........................................| 162| 51| 148| 171| 220| 205| 128| 146| 107 Small appliances, miscellaneous housewares...............| 84| 32| 72| 94| 105| 117| 68| 78| 56 Miscellaneous household equipment........................| 607| 362| 635| 708| 842| 595| 359| 492| 201 Apparel and services.......................................| 1,752| 1,220| 1,879| 2,086| 2,448| 1,600| 939| 1,247| 573 Men and boys..............................................| 423| 244| 480| 513| 587| 377| 219| 299| 123 Men, 16 and over.........................................| 330| 213| 353| 348| 493| 317| 195| 262| 116 Boys, 2 to 15............................................| 93| 31| 126| 165| 94| 60| 24| 37| 7 Women and girls...........................................| 718| 468| 713| 858| 996| 693| 433| 565| 276 Women, 16 and over.......................................| 607| 430| 601| 625| 900| 605| 405| 521| 268 Girls, 2 to 15...........................................| 111| 39| 113| 232| 96| 88| 28| 44| 8 Children under 2..........................................| 82| 112| 131| 88| 85| 72| 23| 30| 16 Footwear..................................................| 298| 250| 311| 410| 351| 260| 157| 212| 92 Other apparel products and services.......................| 230| 146| 244| 217| 429| 199| 107| 142| 66 Transportation.............................................| 6,382| 4,029| 6,640| 7,335| 8,233| 6,913| 3,990| 5,174| 2,573 Vehicle purchases (net outlay)............................| 2,815| 2,087| 3,144| 3,279| 3,508| 2,917| 1,591| 2,290| 754 Cars and trucks, new.....................................| 1,209| 394| 1,288| 1,453| 1,434| 1,304| 904| 1,239| 504 Cars and trucks, used....................................| 1,568| 1,690| 1,839| 1,701| 2,056| 1,601| 678| 1,035| 250 Other vehicles...........................................| 38| 3| 17| 125| 18| 11| 9| 16| 0 Gasoline and motor oil....................................| 1,082| 694| 1,089| 1,274| 1,401| 1,195| 652| 833| 436 Other vehicle expenses....................................| 2,058| 1,063| 2,096| 2,345| 2,817| 2,222| 1,296| 1,551| 991 Vehicle finance charges..................................| 276| 156| 347| 341| 386| 279| 81| 125| 28 Maintenance and repairs..................................| 645| 333| 612| 754| 861| 714| 437| 525| 332 Vehicle insurance........................................| 698| 371| 667| 752| 930| 790| 523| 613| 416 Vehicle rental, leases, licenses, other charges..........| 440| 202| 471| 498| 640| 439| 255| 288| 215 Public transportation.....................................| 427| 186| 311| 437| 507| 578| 451| 501| 392 Health care................................................| 1,770| 386| 1,119| 1,603| 1,838| 2,163| 2,759| 2,634| 2,908 Health insurance..........................................| 827| 158| 555| 705| 788| 956| 1,408| 1,375| 1,447 Medical services..........................................| 543| 121| 353| 596| 625| 725| 633| 563| 717 Drugs.....................................................| 303| 74| 142| 206| 308| 385| 587| 559| 620 Medical supplies..........................................| 97| 33| 69| 96| 116| 96| 131| 138| 124 Entertainment..............................................| 1,834| 977| 1,734| 2,445| 2,234| 2,011| 1,105| 1,404| 749 Fees and admissions.......................................| 459| 250| 393| 608| 556| 448| 351| 421| 266 Television, radios, sound equipment.......................| 561| 420| 590| 668| 661| 536| 393| 436| 341 Pets, toys, and playground equipment......................| 335| 136| 388| 437| 414| 339| 173| 233| 102 Other entertainment supplies, equipment and services......| 479| 170| 364| 732| 602| 688| 189| 314| 39 Personal care products and services........................| 513| 287| 478| 584| 645| 531| 422| 464| 371 Reading....................................................| 159| 72| 126| 169| 198| 199| 153| 173| 130 Education..................................................| 524| 1,068| 530| 512| 843| 433| 104| 133| 69 Tobacco products and smoking supplies......................| 255| 191| 250| 308| 324| 288| 143| 197| 78 Miscellaneous..............................................| 855| 319| 721| 866| 1,139| 962| 846| 981| 685 Cash contributions.........................................| 940| 115| 461| 937| 1,190| 1,353| 1,216| 1,017| 1,454 Personal insurance and pensions............................| 3,060| 1,015| 3,154| 4,185| 4,605| 3,441| 876| 1,278| 395 Life and other personal insurance.........................| 353| 74| 240| 408| 474| 544| 278| 345| 197 Pensions and Social Security..............................| 2,707| 941| 2,914| 3,777| 4,132| 2,897| 599| 933| 199 Money income before taxes1/................................| 38,014| 14,968| 37,889| 48,363| 51,672| 40,591| 22,426| 25,824| 18,379 Wages and salaries........................................| 29,560| 12,980| 34,755| 42,502| 44,092| 30,070| 4,738| 7,267| 1,726 Self-employment income....................................| 2,318| 407| 1,535| 3,657| 4,213| 2,090| 794| 758| 837 Social Security, private and government retirement........| 4,334| 153| 223| 607| 1,665| 6,202| 14,515| 15,400| 13,461 Interest, dividends, rental income, other property income.| 761| 57| 115| 373| 584| 1,273| 1,858| 1,800| 1,928 Unemployment and workers' compensation, veterans' benefits| 213| 76| 188| 259| 310| 244| 134| 194| 63 Public assistance, supplemental security income, food | | | | | | | | | stamps.................................................| 437| 457| 559| 480| 414| 475| 279| 261| 300 Regular contributions for support.........................| 243| 476| 328| 333| 252| 127| 46| 63| 25 Other income..............................................| 148| 362| 186| 153| 140| 110| 62| 81| 39 Personal taxes1/...........................................| 3,150| 887| 3,272| 4,185| 4,678| 3,566| 1,245| 1,749| 646 Federal income taxes......................................| 2,372| 702| 2,494| 3,192| 3,589| 2,724| 780| 1,060| 447 State and local income taxes..............................| 665| 183| 727| 876| 943| 663| 325| 527| 85 Other taxes...............................................| 113| 2| 51| 117| 146| 179| 140| 162| 114 Income after taxes1/.......................................| 34,864| 14,081| 34,618| 44,178| 46,994| 37,025| 21,181| 24,075| 17,733 Net change in total assets and liabilities.................| -1,689| -1,805| -4,679| -901| -1,474| -500| -667| 601| -2,185 Net change in total assets................................| 4,049| 688| 6,635| 6,805| 4,142| 3,014| 386| 2,287| -1,888 Net change in total liabilities...........................| 5,738| 2,493| 11,314| 7,707| 5,617| 3,514| 1,054| 1,686| 297 Other money receipts.......................................| 309| 162| 201| 194| 325| 400| 520| 633| 384 Mortgage principal paid on owned property..................| -960| -103| -656| -1,284| -1,679| -1,216| -401| -564| -205 Estimated market value of owned home.......................| 73,168| 9,240| 45,374| 78,018| 93,347| 95,144| 85,429| 91,367| 78,324 Estimated monthly rental value of owned home...............| 503| 55| 350| 543| 629| 636| 572| 609| 527 Gifts of goods and services................................| 1,119| 579| 746| 908| 1,840| 1,619| 968| 1,158| 744 Food......................................................| 62| 30| 37| 59| 127| 77| 37| 41| 32 Housing...................................................| 280| 179| 214| 227| 472| 366| 217| 229| 204 Housekeeping supplies....................................| 40| 27| 34| 38| 51| 57| 37| 43| 29 Household textiles.......................................| 8| 3| 5| 5| 13| 13| 9| 12| 4 Appliances and miscellaneous housewares..................| 30| 6| 19| 20| 49| 50| 33| 36| 30 Major appliances........................................| 8| 1| 3| 3| 16| 13| 10| 9| 12 Small appliances and miscellaneous housewares...........| 22| 5| 15| 17| 34| 37| 23| 27| 18 Miscellaneous household equipment........................| 81| 38| 56| 70| 153| 115| 49| 60| 35 Other housing............................................| 120| 106| 101| 94| 205| 131| 90| 78| 104 Apparel and services......................................| 296| 157| 233| 273| 438| 414| 243| 349| 117 Males, 2 and over........................................| 78| 46| 58| 59| 130| 98| 72| 116| 20 Females, 2 and over......................................| 99| 63| 50| 109| 111| 168| 100| 133| 60 Children under 2.........................................| 41| 10| 41| 37| 64| 67| 20| 23| 15 Other apparel products and services......................| 78| 39| 83| 68| 133| 81| 51| 76| 22 Jewelry and watches.....................................| 44| 15| 55| 38| 90| 39| 15| 20| 8 All other apparel products and services.................| 34| 25| 28| 30| 44| 42| 37| 56| 14 Transportation............................................| 60| 24| 38| 49| 84| 90| 66| 98| 29 Health care...............................................| 43| 1| 6| 13| 50| 64| 105| 40| 184 Entertainment.............................................| 110| 52| 89| 116| 132| 160| 97| 141| 45 Toys, games, hobbies, and tricycles......................| 40| 18| 28| 50| 42| 78| 24| 42| 3 Other entertainment......................................| 70| 34| 61| 66| 90| 82| 73| 99| 41 Education.................................................| 128| 70| 44| 77| 347| 197| 46| 60| 28 All other gifts...........................................| 140| 66| 86| 95| 192| 252| 157| 201| 105 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 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.