Table 4500. Selected age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998 All Under 30 and Under 50 and Under 55 and Under 65 and Item consumer 30 over 50 over 55 over 65 over units ________________________________________________________________________________________________ Number of consumer units (in thousands)...... 107,182 17,806 89,376 63,012 44,170 72,523 34,659 85,352 21,830 Income before taxes a/ ...................... $41,622 $28,044 $44,359 $44,619 $37,318 $46,644 $31,161 $46,295 $24,011 Income after taxes a/ ....................... 38,358 26,048 40,840 41,048 34,496 42,738 29,235 42,462 22,892 Age of the reference person.................. 47.6 24.5 52.3 35.3 65.3 37.4 69.0 40.7 74.7 Average number in consumer unit: Persons..................................... 2.5 2.2 2.6 2.9 2.0 2.8 1.9 2.7 1.7 Children under 18........................... .7 .6 .7 1.0 .2 1.0 .1 .8 .1 Persons 65 and over......................... .3 b/ .4 b/ .7 b/ .9 b/ 1.4 Earners..................................... 1.3 1.3 1.3 1.6 1.0 1.6 .8 1.6 .4 Vehicles.................................... 2.0 1.4 2.1 2.0 2.0 2.0 1.8 2.1 1.5 Percent distribution: Male........................................ 58 54 58 59 56 59 55 59 51 Female...................................... 42 46 42 41 44 41 45 41 49 Homeowner................................... 64 23 73 54 80 57 79 60 80 With mortgage.............................. 39 18 43 44 31 46 24 45 15 Without mortgage........................... 26 4 30 9 49 11 56 16 65 Renter...................................... 36 77 27 46 20 43 21 40 20 Black....................................... 12 13 12 13 10 13 10 13 9 White and other............................. 88 87 88 87 90 87 90 87 91 Elementary (1-8)............................ 7 2 8 3 12 3 14 4 17 High school (9-12).......................... 39 34 40 36 43 35 46 37 46 College..................................... 54 64 52 61 44 61 40 59 36 Never attended and other.................... c/ d/ c/ c/ 1 c/ 1 c/ 1 At least one vehicle owned or leased........ 87 78 89 87 86 88 85 88 81 Average annual expenditures.................. $35,535 $26,369 $37,341 $37,352 $32,929 $38,478 $29,403 $38,304 $24,721 Food....................................... 4,810 3,699 5,021 5,154 4,309 5,205 3,997 5,158 3,456 Food at home............................. 2,780 1,917 2,942 2,901 2,603 2,927 2,477 2,912 2,264 Cereals and bakery products............ 425 293 450 445 395 447 380 441 362 Cereals and cereal products.......... 146 114 153 162 124 161 116 155 113 Bakery products...................... 278 179 297 283 272 286 264 286 249 Meats, poultry, fish, and eggs......... 723 472 771 751 684 756 656 758 587 Beef................................. 218 146 232 230 202 231 193 231 170 Pork................................. 146 87 157 144 149 146 145 150 131 Other meats.......................... 92 65 97 95 88 97 82 96 77 Poultry.............................. 137 90 146 150 118 150 110 147 96 Fish and seafood..................... 98 60 105 100 94 100 93 101 84 Eggs................................. 32 24 34 32 33 32 32 33 30 Dairy products......................... 301 213 318 319 276 319 266 316 246 Fresh milk and cream................. 120 88 126 128 109 127 106 125 101 Other dairy products................. 181 125 192 191 167 192 160 190 146 Fruits and vegetables.................. 472 304 504 469 476 478 459 484 427 Fresh fruits......................... 149 91 160 145 155 148 152 151 141 Fresh vegetables..................... 145 94 155 144 146 147 141 149 130 Processed fruits..................... 101 72 107 101 102 104 95 105 90 Processed vegetables................. 76 47 82 78 74 79 71 79 66 Other food at home..................... 858 635 900 917 773 927 716 914 642 Sugar and other sweets............... 109 67 117 112 105 113 101 113 94 Fats and oils........................ 77 49 82 77 77 79 74 79 70 Miscellaneous foods.................. 388 314 402 426 332 429 304 417 276 Nonalcoholic beverages............... 231 172 242 251 202 252 186 248 164 Food prepared by consumer unit on out-of-town trips................... 53 33 57 51 56 54 52 57 39 Food away from home...................... 2,030 1,782 2,078 2,253 1,706 2,278 1,520 2,245 1,192 Alcoholic beverages......................... 309 365 298 345 256 343 239 339 194 Housing..................................... 11,713 8,785 12,292 12,387 10,755 12,666 9,721 12,564 8,388 Shelter.................................. 6,680 5,414 6,933 7,356 5,716 7,470 5,028 7,297 4,271 Owned dwellings........................ 4,245 1,656 4,761 4,412 4,007 4,631 3,437 4,610 2,817 Mortgage interest and charges........ 2,455 1,138 2,717 2,958 1,737 3,031 1,249 2,914 662 Property taxes....................... 1,015 286 1,161 865 1,230 953 1,145 998 1,085 Maintenance, repairs, insurance,other expenses............................ 775 232 883 590 1,039 647 1,043 699 1,070 Rented dwellings....................... 1,978 3,546 1,665 2,543 1,172 2,379 1,137 2,204 1,092 Other lodging.......................... 458 211 507 402 537 460 453 482 362 Utilities, fuels, and public services.... 2,405 1,621 2,561 2,371 2,453 2,440 2,330 2,465 2,171 Natural gas............................ 284 160 309 268 306 276 301 282 290 Electricity............................ 921 586 988 884 973 916 931 931 884 Fuel oil and other fuels............... 85 32 96 70 107 74 109 80 106 Telephone services..................... 830 717 852 886 749 899 684 890 595 Water and other public services........ 285 126 317 262 317 275 306 282 296 Household operations..................... 546 358 583 610 454 590 453 567 464 Personal services...................... 260 248 262 377 92 338 96 296 117 Other household expenses............... 286 110 321 233 363 252 357 271 347 Housekeeping supplies.................... 482 256 524 452 526 459 529 505 393 Laundry and cleaning supplies.......... 118 77 125 120 114 122 109 123 98 Other household products............... 232 106 256 205 272 207 285 248 172 Postage and stationery................. 132 73 143 127 139 130 135 134 123 Household furnishings and equipment...... 1,601 1,136 1,691 1,598 1,606 1,706 1,381 1,732 1,089 Household textiles..................... 105 67 113 96 118 103 109 109 91 Furniture.............................. 377 296 394 417 320 416 296 417 221 Floor coverings........................ 144 32 166 89 225 142 149 141 159 Major appliances....................... 164 122 172 160 169 170 153 173 128 Small appliances, miscellaneous housewares............................ 80 63 83 80 81 83 74 86 59 Miscellaneous household equipment...... 729 557 763 755 693 792 599 806 431 Apparel and services....................... 1,674 1,485 1,710 1,933 1,298 1,965 1,073 1,893 820 Men and boys............................. 399 316 415 475 289 477 236 456 175 Men, 16 and over....................... 314 270 322 356 253 366 206 355 152 Boys, 2 to 15.......................... 85 45 93 119 36 111 31 101 23 Women and girls.......................... 651 507 679 729 538 752 443 726 360 Women, 16 and over..................... 548 439 569 588 490 616 409 603 334 Girls, 2 to 15......................... 103 67 110 142 48 137 35 123 25 Children under 2......................... 73 126 63 103 28 94 29 86 22 Footwear................................. 281 267 283 325 216 333 173 319 131 Other apparel products and services...... 270 269 270 301 226 307 192 305 132 Transportation............................. 6,616 5,507 6,837 7,151 5,852 7,310 5,164 7,279 4,025 Vehicle purchases (net outlay)........... 2,964 2,680 3,021 3,341 2,427 3,357 2,142 3,315 1,593 Cars and trucks, new................... 1,383 899 1,480 1,434 1,311 1,510 1,117 1,530 809 Cars and trucks, used.................. 1,532 1,720 1,495 1,854 1,073 1,798 977 1,741 716 Other vehicles......................... 49 61 47 53 44 49 48 44 e/ 68 Gasoline and motor oil................... 1,017 822 1,056 1,089 914 1,118 805 1,112 645 Other vehicle expenses................... 2,206 1,729 2,300 2,335 2,021 2,424 1,748 2,416 1,382 Vehicle finance charges................ 319 319 319 385 225 388 175 372 111 Maintenance and repairs................ 641 432 682 657 618 682 555 684 473 Vehicle insurance...................... 739 544 777 742 734 783 647 787 551 Vehicle rental, leases, licenses, other charges......................... 507 434 522 552 443 572 371 573 247 Public transportation.................... 429 276 460 387 490 410 469 436 405 Health care................................ 1,903 785 2,125 1,431 2,576 1,546 2,648 1,638 2,936 Health insurance......................... 913 392 1,017 681 1,244 714 1,329 756 1,528 Medical services......................... 542 241 602 454 668 508 613 528 596 Drugs.................................... 346 107 393 211 538 233 581 263 670 Medical supplies......................... 102 46 113 85 126 91 125 91 142 Entertainment.............................. 1,746 1,300 1,833 1,913 1,505 1,929 1,364 1,925 1,044 Fees and admissions...................... 449 317 475 481 403 496 350 490 289 Television, radios, sound equipment...... 535 474 546 586 462 592 416 584 342 Pets, toys, and playground equipment..... 329 228 349 359 287 361 263 360 210 Other entertainment supplies, equipment,and services.................. 433 281 463 488 353 480 334 491 204 Personal care products and services........ 401 304 419 410 387 420 361 419 330 Reading.................................... 161 96 174 147 181 156 171 160 163 Education.................................. 580 870 522 705 401 757 208 702 102 Tobacco products and smoking supplies...... 273 207 286 289 250 299 219 304 151 Miscellaneous.............................. 860 461 939 828 907 856 869 903 694 Cash contributions......................... 1,109 334 1,264 809 1,538 958 1,427 1,002 1,529 Personal insurance and pensions............ 3,381 2,170 3,622 3,848 2,714 4,068 1,943 4,018 888 Life and other personal insurance........ 398 139 450 346 473 380 436 418 324 Pensions and Social Security............. 2,982 2,031 3,172 3,502 2,241 3,687 1,507 3,601 564 Sources of income and personal taxes: a/ Money income before taxes................. 41,622 28,044 44,359 44,619 37,318 46,644 31,161 46,295 24,011 Wages and salaries....................... 32,889 25,579 34,363 40,117 22,507 41,718 14,497 40,300 4,955 Self-employment income................... 2,239 968 2,495 2,366 2,058 2,557 1,576 2,693 528 Social Security, private and government retirement................... 4,618 61 5,537 507 10,523 713 12,754 1,564 16,131 Interest, dividends, rental income, other property income................... 871 199 1,007 425 1,512 473 1,701 585 1,948 Unemployment and workers'' compensation, veterans'' benefits..................... 193 91 214 183 207 202 175 222 82 Public assistance, supplemental security, income, food stamps..................... 330 360 325 370 273 371 246 369 186 Regular contributions for support........ 260 427 226 375 93 342 88 310 71 Other income............................. 221 359 193 275 144 268 124 251 109 Personal taxes............................. 3,264 1,996 3,519 3,571 2,822 3,906 1,926 3,833 1,118 Federal income taxes..................... 2,472 1,559 2,656 2,732 2,098 2,997 1,378 2,928 752 State and local income taxes............. 630 405 675 723 496 777 323 759 145 Other taxes.............................. 162 32 188 116 228 132 225 146 222 Income after taxes.......................... 38,358 26,048 40,840 41,048 34,496 42,738 29,235 42,462 22,892 Net change in total assets and liabilities.. -1,919 315 -2,364 -2,713 -786 -3,000 343 -2,823 1,616 Net change in total assets............... 6,116 6,302 6,079 7,267 4,474 6,824 4,635 6,885 3,108 Net change in total liabilities.......... 8,035 5,986 8,443 9,980 5,260 9,823 4,292 9,708 1,492 Other financial information: Other money receipts..................... 463 545 446 402 549 438 514 451 508 Mortgage principal paid on owned property................................ -1,160 -327 -1,325 -1,185 -1,123 -1,281 -906 -1,343 -443 Estimated market value of owned home..... 80,523 21,435 92,295 65,958 101,301 72,539 97,228 77,886 90,833 Estimated monthly rental value of owned home.............................. 570 176 649 492 682 529 657 559 616 Gifts of goods and services................. 1,068 584 1,163 898 1,310 1,062 1,080 1,109 906 Food..................................... 84 23 96 64 113 90 72 95 41 Housing.................................. 314 213 334 276 369 321 299 331 247 Housekeeping supplies.................. 41 33 43 44 38 44 35 45 28 Household textiles..................... 16 6 18 10 25 11 26 16 18 Appliances and miscellaneous housewares............................ 30 16 32 24 38 27 35 30 28 Major appliances..................... 7 e/ 4 8 7 8 7 7 7 7 Small appliances and miscellaneous housewares.......................... 22 12 24 17 30 19 28 23 20 Miscellaneous household equipment...... 71 50 75 65 78 70 73 75 55 Other housing.......................... 156 108 166 132 191 169 129 166 118 Apparel and services..................... 225 165 236 212 242 223 229 231 200 Males, 2 and over...................... 60 30 65 49 76 56 68 61 56 Females, 2 and over.................... 80 39 88 74 88 78 84 83 69 Children under 2....................... 32 44 30 39 23 37 23 35 21 Other apparel products and services.... 52 52 52 50 55 52 54 52 53 Jewelry and watches.................. 25 29 24 25 26 24 27 24 31 All other apparel products and services............................ 27 23 28 26 30 27 27 28 22 Transportation........................... 49 28 54 38 66 41 67 45 65 Health care.............................. 38 e/ 4 44 19 64 22 71 22 98 Entertainment............................ 85 46 93 70 107 78 100 90 65 Toys, games, hobbies, and tricycles.... 30 18 32 24 39 26 39 30 28 Other entertainment.................... 55 29 60 46 69 52 61 60 37 Education................................ 154 53 174 125 197 180 101 181 48 All other gifts.......................... 119 52 132 95 152 108 140 113 142 _____________________________________________ 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.