Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997 _____________________________________________________________________________________________________________________________ | | | | | | | | | | All | Under | | | | | 65 and | | 75 and Item | consumer| 25 | 25-34 | 35-44 | 45-54 | 55-64 | over | 65-74 | over | units | | | | | | | | ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________ | | | | | | | | | Number of consumer units (in | | | | | | | | | thousands)......................| 105,576 | 7,501 | 19,918 | 24,560 | 19,343 | 12,316 | 21,936 | 12,109 | 9,827 Income before taxes(1).............| $39,926 | $15,666 | $40,247 | $48,788 | $55,260 | $41,734 | $23,965 | $27,492 | $19,425 Income after taxes(1)..............| 36,684 | 15,005 | 36,871 | 44,510 | 50,397 | 38,234 | 22,640 | 25,786 | 18,590 Age of reference person............| 47.7 | 21.2 | 29.7 | 39.5 | 49.1 | 59.3 | 74.6 | 69.4 | 81.1 Average number in consumer unit: | | | | | | | | | Persons...........................| 2.5 | 1.8 | 2.8 | 3.2 | 2.7 | 2.2 | 1.7 | 1.9 | 1.5 Children under 18.................| .7 | .4 | 1.1 | 1.3 | .6 | .2 | .1 | .1 | (2) Persons 65 and over...............| .3 | (2)| (2)| (2)| (2)| .1 | 1.3 | 1.3 | 1.4 Earners...........................| 1.3 | 1.2 | 1.5 | 1.7 | 1.8 | 1.4 | .4 | .6 | .2 Vehicles..........................| 2.0 | 1.0 | 1.8 | 2.2 | 2.5 | 2.3 | 1.5 | 1.8 | 1.2 Percent distribution: | | | | | | | | | Male..............................| 59 | 49 | 60 | 62 | 64 | 62 | 51 | 58 | 42 Female............................| 41 | 51 | 40 | 38 | 36 | 38 | 49 | 42 | 58 Percent homeowner.................| 64 | 9 | 44 | 64 | 77 | 79 | 79 | 81 | 77 With mortgage....................| 38 | 6 | 38 | 52 | 57 | 41 | 14 | 19 | 8 Without mortgage.................| 26 | 4 | 6 | 12 | 20 | 38 | 65 | 62 | 68 Renter............................| 36 | 91 | 56 | 36 | 23 | 21 | 21 | 19 | 23 Black.............................| 12 | 13 | 14 | 13 | 12 | 12 | 8 | 10 | 7 White and other...................| 88 | 87 | 86 | 87 | 88 | 88 | 92 | 90 | 93 Elementary (1-8)..................| 7 | 2 | 3 | 3 | 5 | 10 | 19 | 16 | 23 High school (9-12)................| 39 | 33 | 36 | 39 | 34 | 43 | 47 | 47 | 47 College...........................| 53 | 64 | 61 | 57 | 61 | 47 | 33 | 37 | 29 Never attended and other..........| (3)| (4)| (3)| (2)| (3)| (3)| 1 | 1 | 1 At least one vehicle owned or | | | | | | | | | leased.........................| 87 | 66 | 89 | 92 | 93 | 88 | 81 | 87 | 75 Average annual expenditures........| 34,819 | 18,450 | 34,902 | 40,413 | 45,239 | 35,954 | 24,413 | 27,792 | 20,279 Food..............................| 4,801 | 2,838 | 4,650 | 5,666 | 6,028 | 5,085 | 3,486 | 4,066 | 2,786 Food at home.....................| 2,880 | 1,566 | 2,758 | 3,382 | 3,440 | 3,139 | 2,293 | 2,600 | 1,924 Cereals and bakery products.....| 453 | 249 | 432 | 540 | 548 | 470 | 360 | 402 | 309 Cereals and cereal products....| 161 | 97 | 168 | 197 | 189 | 160 | 118 | 130 | 103 Bakery products................| 292 | 151 | 264 | 344 | 359 | 310 | 242 | 272 | 207 Meats, poultry, fish, and eggs..| 743 | 385 | 702 | 865 | 915 | 830 | 580 | 676 | 465 Beef...........................| 224 | 125 | 219 | 264 | 284 | 231 | 162 | 190 | 128 Pork...........................| 157 | 75 | 144 | 174 | 193 | 187 | 133 | 148 | 115 Other meats....................| 96 | 51 | 84 | 120 | 111 | 110 | 77 | 92 | 60 Poultry........................| 145 | 78 | 146 | 174 | 172 | 150 | 111 | 135 | 81 Fish and seafood...............| 89 | 37 | 80 | 97 | 117 | 114 | 67 | 77 | 54 Eggs...........................| 33 | 20 | 28 | 35 | 38 | 37 | 30 | 33 | 27 Dairy products..................| 314 | 169 | 303 | 387 | 359 | 325 | 252 | 284 | 212 Fresh milk and cream...........| 128 | 79 | 125 | 164 | 138 | 122 | 106 | 118 | 91 Other dairy products...........| 186 | 90 | 177 | 224 | 221 | 203 | 146 | 167 | 121 Fruits and vegetables...........| 476 | 242 | 434 | 525 | 558 | 549 | 433 | 472 | 386 Fresh fruits...................| 150 | 77 | 137 | 161 | 174 | 169 | 147 | 151 | 143 Fresh vegetables...............| 143 | 64 | 124 | 151 | 174 | 185 | 128 | 143 | 109 Processed fruits...............| 102 | 55 | 97 | 117 | 117 | 108 | 92 | 101 | 82 Processed vegetables...........| 80 | 46 | 76 | 95 | 93 | 87 | 65 | 76 | 52 Other food at home..............| 895 | 520 | 887 | 1,066 | 1,060 | 965 | 668 | 766 | 550 Sugar and other sweets.........| 114 | 53 | 106 | 130 | 139 | 131 | 96 | 111 | 79 Fats and oils..................| 81 | 39 | 72 | 88 | 94 | 99 | 76 | 82 | 68 Miscellaneous foods............| 403 | 240 | 434 | 501 | 462 | 403 | 278 | 299 | 252 Nonalcoholic beverages.........| 245 | 160 | 232 | 294 | 292 | 267 | 178 | 217 | 130 Food prepared by consumer unit | | | | | | | | | on out-of-town tr...........| 52 | 28 | 43 | 52 | 73 | 65 | 41 | 57 | 21 Food away from home..............| 1,921 | 1,272 | 1,893 | 2,283 | 2,588 | 1,946 | 1,193 | 1,466 | 863 Alcoholic beverages...............| 309 | 253 | 380 | 348 | 358 | 283 | 197 | 268 | 111 Housing...........................| 11,272 | 5,860 | 11,774 | 13,415 | 13,892 | 11,090 | 8,082 | 8,876 | 7,107 Shelter..........................| 6,344 | 3,656 | 6,964 | 7,864 | 7,829 | 5,783 | 4,003 | 4,365 | 3,557 Owned dwellings.................| 3,935 | 381 | 3,435 | 5,244 | 5,586 | 4,059 | 2,612 | 3,021 | 2,109 Mortgage interest and charges..| 2,225 | 224 | 2,368 | 3,448 | 3,396 | 1,927 | 547 | 779 | 260 Property taxes.................| 971 | 101 | 639 | 1,054 | 1,303 | 1,195 | 1,060 | 1,197 | 891 Maintenance, repairs, | | | | | | | | | insurance, other expenses...| 738 | 57 | 429 | 743 | 887 | 936 | 1,006 | 1,045 | 957 Rented dwellings................| 1,983 | 3,002 | 3,291 | 2,234 | 1,515 | 1,145 | 1,051 | 911 | 1,223 Other lodging...................| 426 | 273 | 238 | 386 | 729 | 579 | 340 | 432 | 226 Utilities, fuels, and public | | | | | | | | | services......................| 2,412 | 1,092 | 2,229 | 2,694 | 2,890 | 2,654 | 2,157 | 2,321 | 1,954 Natural gas.....................| 301 | 88 | 264 | 327 | 321 | 342 | 338 | 341 | 334 Electricity.....................| 909 | 390 | 785 | 1,015 | 1,114 | 1,013 | 839 | 911 | 751 Fuel oil and other fuels........| 108 | 11 | 69 | 108 | 147 | 126 | 131 | 134 | 127 Telephone services..............| 809 | 550 | 893 | 921 | 952 | 842 | 551 | 627 | 458 Water and other public services.| 286 | 55 | 218 | 323 | 357 | 331 | 297 | 309 | 283 Household operations.............| 548 | 191 | 659 | 724 | 554 | 402 | 452 | 392 | 526 Personal services...............| 263 | 132 | 493 | 450 | 146 | 59 | 108 | 75 | 149 Other household expenses........| 285 | 58 | 167 | 274 | 409 | 343 | 343 | 317 | 377 Housekeeping supplies............| 455 | 163 | 403 | 524 | 552 | 523 | 412 | 449 | 368 Laundry and cleaning supplies...| 116 | 56 | 112 | 139 | 137 | 130 | 90 | 105 | 73 Other household products........| 210 | 60 | 179 | 249 | 258 | 245 | 190 | 207 | 170 Postage and stationery..........| 129 | 47 | 112 | 136 | 157 | 148 | 132 | 138 | 124 Household furnishings and | | | | | | | | | equipment.....................| 1,512 | 759 | 1,518 | 1,609 | 2,066 | 1,728 | 1,059 | 1,349 | 703 Household textiles..............| 79 | 45 | 70 | 80 | 116 | 100 | 54 | 72 | 33 Furniture.......................| 387 | 257 | 475 | 430 | 515 | 390 | 190 | 268 | 95 Floor coverings.................| 78 | (5)18 | 69 | 57 | 70 | 101 | 124 | 142 | 102 Major appliances................| 169 | 76 | 149 | 181 | 193 | 246 | 141 | 167 | 109 Small appliances, miscellaneous | | | | | | | | | housewares...................| 92 | 46 | 76 | 97 | 131 | 123 | 65 | 79 | 49 Miscellaneous household | | | | | | | | | equipment....................| 707 | 317 | 678 | 764 | 1,041 | 768 | 484 | 622 | 316 Apparel and services..............| 1,729 | 1,247 | 1,957 | 2,062 | 2,107 | 1,656 | 1,045 | 1,302 | 735 Men and boys.....................| 407 | 269 | 453 | 496 | 550 | 357 | 219 | 295 | 128 Men, 16 and over................| 323 | 247 | 355 | 333 | 457 | 318 | 197 | 262 | 120 Boys, 2 to 15...................| 84 | 22 | 98 | 163 | 93 | 39 | 22 | 33 | 8 Women and girls..................| 680 | 466 | 700 | 793 | 834 | 684 | 480 | 552 | 393 Women, 16 and over..............| 574 | 434 | 580 | 578 | 719 | 633 | 458 | 521 | 381 Girls, 2 to 15..................| 106 | 33 | 120 | 215 | 115 | 51 | 23 | 31 | 12 Children under 2.................| 77 | 111 | 163 | 90 | 51 | 34 | 22 | 25 | 18 Footwear.........................| 315 | 250 | 342 | 390 | 347 | 337 | 189 | 232 | 138 Other apparel products and | | | | | | | | | services......................| 250 | 151 | 300 | 293 | 325 | 243 | 135 | 199 | 58 Transportation....................| 6,457 | 3,734 | 7,051 | 7,254 | 8,734 | 6,708 | 3,812 | 4,645 | 2,785 Vehicle purchases (net outlay)...| 2,736 | 1,737 | 3,238 | 3,038 | 3,704 | 2,641 | 1,482 | 1,826 | 1,059 Cars and trucks, new............| 1,229 | 513 | 1,159 | 1,378 | 1,808 | 1,374 | 777 | 942 | 574 Cars and trucks, used...........| 1,464 | 1,196 | 2,007 | 1,594 | 1,849 | 1,267 | 686 | 850 | 485 Other vehicles..................| 43 | (5)27 | 71 | 67 | (5)47 | (2)| (5)19 | (5)34 | (4) Gasoline and motor oil...........| 1,098 | 693 | 1,123 | 1,294 | 1,430 | 1,188 | 648 | 801 | 461 Other vehicle expenses...........| 2,230 | 1,087 | 2,295 | 2,556 | 3,079 | 2,369 | 1,376 | 1,641 | 1,050 Vehicle finance charges.........| 293 | 162 | 418 | 349 | 388 | 260 | 95 | 137 | 43 Maintenance and repairs.........| 682 | 324 | 598 | 788 | 942 | 760 | 491 | 571 | 393 Vehicle insurance...............| 755 | 341 | 746 | 837 | 994 | 851 | 549 | 661 | 411 Vehicle rental, leases, | | | | | | | | | licenses, other charges......| 501 | 260 | 533 | 582 | 755 | 499 | 241 | 272 | 202 Public transportation............| 393 | 217 | 395 | 365 | 522 | 509 | 305 | 378 | 216 Health care.......................| 1,841 | 425 | 1,236 | 1,605 | 1,945 | 2,187 | 2,855 | 2,900 | 2,799 Health insurance.................| 881 | 200 | 577 | 748 | 845 | 965 | 1,523 | 1,547 | 1,494 Medical services.................| 531 | 128 | 422 | 547 | 658 | 664 | 564 | 636 | 475 Drugs............................| 320 | 65 | 169 | 210 | 303 | 407 | 637 | 594 | 691 Medical supplies.................| 108 | 31 | 67 | 100 | 139 | 151 | 130 | 123 | 138 Entertainment.....................| 1,813 | 1,051 | 1,865 | 2,129 | 2,416 | 1,900 | 1,103 | 1,300 | 861 Fees and admissions..............| 471 | 263 | 424 | 574 | 679 | 451 | 296 | 390 | 180 Television, radios, sound | | | | | | | | | equipment.....................| 577 | 437 | 618 | 671 | 683 | 561 | 400 | 470 | 314 Pets, toys, and playground | | | | | | | | | equipment.....................| 327 | 188 | 345 | 403 | 395 | 376 | 188 | 237 | 128 Other entertainment supplies, | | | | | | | | | equipment and serv............| 439 | 162 | 477 | 481 | 659 | 512 | 219 | 203 | 239 Personal care products and | | | | | | | | | services.......................| 528 | 292 | 530 | 586 | 637 | 541 | 441 | 494 | 376 Reading...........................| 164 | 64 | 132 | 160 | 205 | 198 | 174 | 195 | 148 Education.........................| 571 | 1,114 | 483 | 604 | 1,068 | 281 | 153 | 227 | 61 Tobacco products and smoking | | | | | | | | | supplies.......................| 264 | 200 | 261 | 329 | 312 | 292 | 156 | 213 | 87 Miscellaneous.....................| 847 | 275 | 757 | 989 | 1,106 | 1,061 | 619 | 745 | 463 Cash contributions................| 1,001 | 157 | 484 | 945 | 1,431 | 1,208 | 1,326 | 1,196 | 1,485 Personal insurance and pensions...| 3,223 | 940 | 3,341 | 4,322 | 4,998 | 3,466 | 964 | 1,362 | 473 Life and other personal insurance| 379 | 47 | 239 | 383 | 604 | 523 | 334 | 406 | 244 Pensions and Social Security.....| 2,844 | 893 | 3,102 | 3,939 | 4,394 | 2,943 | 630 | 956 | 229 Money income before taxes.........| 39,926 | 15,666 | 40,247 | 48,788 | 55,260 | 41,734 | 23,965 | 27,492 | 19,425 Wages and salaries...............| 31,506 | 13,098 | 37,455 | 43,458 | 47,985 | 30,684 | 5,626 | 8,494 | 1,936 Self-employment income(1)........| 1,969 | 434 | 1,076 | 2,881 | 3,795 | 2,039 | 703 | 905 | 443 Social Security, private and | | | | | | | | | government retireme...........| 4,531 | (5)123 | 231 | 659 | 1,577 | 6,899 | 15,293 | 15,563 | 14,946 Interest, dividends, rental | | | | | | | | | income, other proper..........| 822 | 155 | 155 | 569 | 767 | 1,089 | 1,820 | 1,907 | 1,707 Unemployment and workers.........| 206 | 66 | 160 | 245 | 278 | 353 | 115 | 80 | 159 Public assistance, supplemental | | | | | | | | | security income,..............| 382 | 425 | 452 | 426 | 378 | 428 | 237 | 285 | 176 Regular contributions for support| 293 | 714 | 446 | 357 | 276 | 93 | 69 | 91 | (5)40 Other income.....................| 217 | 651 | 271 | 193 | 204 | 150 | 102 | 167 | (5)19 Personal taxes....................| 3,241 | 660 | 3,376 | 4,278 | 4,863 | 3,500 | 1,325 | 1,706 | 835 Federal income taxes.............| 2,468 | 516 | 2,567 | 3,244 | 3,757 | 2,663 | 977 | 1,257 | 617 State and local income taxes(1)..| 645 | 143 | 752 | 897 | 941 | 669 | 173 | 245 | 79 Other taxes......................| 129 | (5)1 | 56 | 137 | 164 | 169 | 175 | 204 | 139 Income after taxes................| 36,684 | 15,005 | 36,871 | 44,510 | 50,397 | 38,234 | 22,640 | 25,786 | 18,590 Net change in total assets and | | | | | | | | | liabilities....................| 1,105 | 1,004 | 471 | 2,509 | 1,527 | 1,368 | -377 | 907 | -1,960 Net change in total assets(1)....| 5,886 | 2,303 | 9,596 | 8,237 | 6,960 | 4,122 | 1,153 | 3,168 | -1,329 Net change in total liabilities..| 4,781 | 1,300 | 9,126 | 5,728 | 5,433 | 2,754 | 1,531 | 2,260 | 631 Other money receipts..............| 458 | 220 | 347 | 488 | 610 | 559 | 417 | 608 | 181 Mortgage principal paid on owned | | | | | | | | | property.......................| -1,051 | -71 | -670 | -1,418 | -1,894 | -1,441 | -359 | -518 | -164 Estimated market value of owned | | | | | | | | | home...........................| 76,480 | 6,814 | 46,345 | 81,250 | 103,626 | 99,134 | 85,668 | 92,886 | 76,773 Estimated monthly rental value of | | | | | | | | | owned home.....................| 538 | 58 | 369 | 577 | 697 | 683 | 589 | 629 | 540 Gifts of goods and services.......| 1,059 | 629 | 762 | 910 | 1,789 | 1,272 | 889 | 1,083 | 652 Food.............................| 68 | 48 | 30 | 74 | 130 | 77 | 42 | 47 | 36 Housing..........................| 273 | 180 | 250 | 246 | 426 | 328 | 193 | 215 | 166 Housekeeping supplies...........| 37 | 13 | 32 | 46 | 39 | 44 | 33 | 41 | 24 Household textiles..............| 8 | 3 | 5 | 6 | 12 | 15 | 9 | 11 | 7 Appliances and miscellaneous | | | | | | | | | housewares...................| 27 | 12 | 22 | 18 | 42 | 55 | 19 | 25 | 12 Major appliances...............| 6 | (5)3 | 5 | 3 | 10 | 13 | 5 | 8 | (5)2 Small appliances and | | | | | | | | | miscellaneous housewares....| 21 | (5)9 | 17 | 15 | 31 | 41 | 14 | 17 | 10 Miscellaneous household | | | | | | | | | equipment....................| 66 | 31 | 55 | 60 | 105 | 95 | 45 | 58 | 29 Other housing...................| 135 | 121 | 136 | 115 | 229 | 119 | 86 | 80 | 94 Apparel and services.............| 252 | 135 | 210 | 229 | 379 | 332 | 202 | 260 | 132 Males, 2 and over...............| 61 | 15 | 53 | 44 | 95 | 87 | 61 | 73 | 46 Females, 2 and over.............| 81 | 51 | 57 | 83 | 110 | 101 | 76 | 99 | 48 Children under 2................| 33 | 22 | 44 | 33 | 39 | 32 | 20 | 23 | 17 Other apparel products and | | | | | | | | | services.....................| 77 | (5)48 | 56 | 69 | 136 | 112 | 45 | 64 | (5)22 Jewelry and watches............| 49 | (5)42 | 33 | 40 | 96 | (5)56 | 29 | (5)45 | (5)10 All other apparel products and | | | | | | | | | services....................| 29 | (5)5 | 23 | 29 | 40 | 55 | 16 | 19 | (5)12 Transportation...................| 57 | 42 | 22 | 29 | 84 | 56 | 101 | 119 | 78 Health care......................| 30 | (5)7 | 9 | 19 | 48 | 60 | 39 | 27 | 53 Entertainment....................| 99 | 37 | 86 | 84 | 147 | 138 | 85 | 114 | 49 Toys, games, hobbies, and | | | | | | | | | tricycles....................| 41 | (5)10 | 48 | 35 | 44 | 65 | 36 | 40 | 31 Other entertainment.............| 58 | 28 | 38 | 49 | 103 | 74 | 49 | 74 | 18 Education........................| 155 | 142 | 28 | 101 | 446 | 98 | 113 | 163 | (5)50 All other gifts..................| 125 | 37 | 127 | 127 | 129 | 183 | 115 | 138 | 88 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Value less than 0.05. 3 Value less than 0.5. 4 No data reported. 5 Data are likely to have large sampling errors.