Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003 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)...... 115,356 8,584 19,737 24,413 23,131 16,580 22,912 11,495 11,417 Income before taxes a/ ...................... $51,128 $20,680 $50,389 $61,091 $68,028 $58,672 $30,437 $35,314 $25,492 Income after taxes a/ ....................... 48,596 20,259 48,410 58,275 64,080 55,844 28,559 33,859 23,185 Age of the reference person.................. 48.4 21.3 29.7 39.7 49.4 59.0 75.1 69.2 81.1 Average number in consumer unit: Persons..................................... 2.5 1.8 2.9 3.2 2.6 2.1 1.7 1.9 1.5 Children under 18........................... .6 .4 1.1 1.3 .6 .2 .1 .1 b/ Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.4 1.4 1.3 Earners..................................... 1.3 1.2 1.5 1.6 1.8 1.4 .4 .6 .2 Vehicles.................................... 1.9 1.1 1.8 2.1 2.4 2.3 1.5 1.8 1.2 Percent distribution: Male........................................ 50 49 51 52 51 53 45 50 41 Female...................................... 50 51 49 48 49 47 55 50 59 Homeowner................................... 67 15 48 69 76 82 80 83 78 With mortgage.............................. 41 9 42 57 56 44 17 27 8 Without mortgage........................... 26 7 7 12 20 38 63 56 70 Renter...................................... 33 85 52 31 24 18 20 17 22 Black or African American................... 12 10 13 14 12 10 10 11 8 White, Asian, and All Other Races........... 88 90 87 86 88 90 90 89 92 Elementary (1-8)............................ 6 2 3 4 4 6 14 11 18 High school (9-12).......................... 36 30 30 37 34 36 46 45 47 College..................................... 57 68 66 59 62 57 39 43 35 Never attended and other.................... c/ c/ c/ c/ c/ c/ 1 1 1 At least one vehicle owned or leased........ 88 71 89 91 92 91 82 87 76 Average annual expenditures.................. $40,817 $22,396 $40,525 $47,175 $50,101 $44,191 $29,376 $33,629 $25,016 Food........................................ 5,340 3,401 5,318 6,272 6,381 5,530 3,896 4,544 3,208 Food at home............................. 3,129 1,766 2,976 3,600 3,693 3,315 2,575 2,888 2,241 Cereals and bakery products............ 442 256 421 523 509 427 387 414 358 Cereals and cereal products.......... 150 96 156 183 168 140 120 129 110 Bakery products...................... 292 160 265 340 341 287 267 285 248 Meats, poultry, fish, and eggs......... 825 438 769 933 1,002 914 661 758 558 Beef................................. 246 131 227 265 320 287 178 226 128 Pork................................. 171 88 142 188 208 192 157 165 147 Other meats.......................... 102 53 90 123 123 108 83 92 74 Poultry.............................. 145 85 151 174 171 142 105 114 94 Fish and seafood..................... 124 57 124 139 140 148 103 122 82 Eggs................................. 37 23 35 44 40 36 36 39 32 Dairy products......................... 328 193 317 388 378 326 277 308 243 Fresh milk and cream................. 127 76 127 157 138 118 108 118 97 Other dairy products................. 201 116 191 230 240 209 169 190 146 Fruits and vegetables.................. 535 272 495 593 621 593 484 537 428 Fresh fruits......................... 171 75 157 190 204 189 153 172 133 Fresh vegetables..................... 172 87 157 187 199 192 160 182 136 Processed fruits..................... 108 66 104 123 122 115 95 99 92 Processed vegetables................. 84 44 77 93 96 97 76 84 68 Other food at home..................... 999 607 974 1,164 1,184 1,054 767 872 654 Sugar and other sweets............... 119 61 102 147 141 125 100 111 89 Fats and oils........................ 86 44 76 95 101 93 80 89 70 Miscellaneous foods.................. 490 331 509 562 570 498 366 416 313 Nonalcoholic beverages............... 268 159 256 317 329 291 191 217 164 Food prepared by consumer unit on out-of-town trips................... 36 12 31 43 43 47 29 39 19 Food away from home.................... 2,211 1,636 2,342 2,672 2,688 2,215 1,321 1,656 968 Alcoholic beverages......................... 391 509 446 424 477 372 184 237 128 Housing..................................... 13,432 7,095 14,392 16,098 15,624 13,714 9,729 10,761 8,678 Shelter.................................. 7,887 4,574 8,915 9,678 9,237 7,571 5,201 5,764 4,635 Owned dwellings........................ 5,263 765 4,837 6,940 6,893 5,769 3,515 4,300 2,725 Mortgage interest and charges........ 2,954 449 3,373 4,541 4,088 2,739 851 1,349 350 Property taxes....................... 1,344 230 910 1,479 1,625 1,770 1,399 1,472 1,325 Maintenance, repairs, insurance,other expenses............................ 965 87 554 921 1,180 1,260 1,266 1,480 1,050 Rented dwellings....................... 2,179 3,593 3,835 2,315 1,656 1,179 1,331 1,045 1,619 Other lodging.......................... 445 216 243 423 688 623 355 419 291 Utilities, fuels, and public services.... 2,811 1,329 2,580 3,142 3,335 3,089 2,484 2,723 2,244 Natural gas............................ 392 118 341 427 468 432 396 411 380 Electricity............................ 1,028 470 915 1,145 1,199 1,153 946 1,046 845 Fuel oil and other fuels............... 110 23 62 109 129 146 138 140 135 Telephone services..................... 956 616 1,001 1,097 1,156 981 673 773 572 Water and other public services........ 326 102 261 365 383 376 332 352 312 Household operations..................... 707 230 872 949 633 604 635 504 768 Personal services...................... 294 135 571 521 121 71 206 37 377 Other household expenses............... 414 95 301 428 512 533 429 467 391 Housekeeping supplies.................... 529 225 455 597 618 618 485 590 373 Laundry and cleaning supplies.......... 132 73 140 149 154 139 103 123 81 Other household products............... 263 101 204 311 312 308 247 313 176 Postage and stationery................. 133 51 111 137 151 171 136 154 116 Household furnishings and equipment...... 1,497 737 1,571 1,731 1,801 1,831 923 1,180 657 Household textiles..................... 113 42 109 108 155 140 90 124 54 Furniture.............................. 401 203 499 518 450 447 184 225 142 Floor coverings........................ 52 8 32 61 62 76 48 55 40 Major appliances....................... 196 67 216 209 217 231 165 219 110 Small appliances, miscellaneous housewares............................ 88 48 69 92 111 127 63 79 47 Miscellaneous household equipment...... 648 369 647 743 807 810 373 477 265 Apparel and services........................ 1,640 1,117 1,849 2,091 1,953 1,562 908 1,190 611 Men and boys............................. 372 259 391 530 467 314 170 216 122 Men, 16 and over....................... 282 233 274 349 372 273 150 186 112 Boys, 2 to 15.......................... 89 27 117 181 95 41 20 31 10 Women and girls.......................... 634 352 625 764 809 654 419 552 277 Women, 16 and over..................... 529 326 485 547 708 602 386 496 268 Girls, 2 to 15......................... 106 25 140 217 101 52 33 55 9 Children under 2......................... 81 115 175 95 52 60 17 20 15 Footwear................................. 294 206 331 413 334 237 167 214 116 Other apparel products and services...... 258 184 327 289 291 297 135 188 81 Transportation.............................. 7,781 4,674 8,106 8,892 9,766 8,680 4,824 6,015 3,622 Vehicle purchases (net outlay)........... 3,732 2,241 3,932 4,255 4,632 4,289 2,247 2,770 1,721 Cars and trucks, new................... 2,052 991 1,757 2,221 2,569 2,624 1,591 1,900 1,280 Cars and trucks, used.................. 1,611 1,231 2,080 1,937 1,951 1,645 637 832 441 Other vehicles......................... 68 d/ 19 96 98 113 d/ 20 d/ 19 d/ 38 d/ 1 Gasoline and motor oil................... 1,333 947 1,388 1,582 1,644 1,411 792 1,019 563 Other vehicle expenses................... 2,331 1,299 2,446 2,643 3,013 2,484 1,487 1,857 1,112 Vehicle finance charges................ 371 224 483 476 485 336 125 191 57 Maintenance and repairs................ 619 352 558 677 782 728 467 601 330 Vehicle insurance...................... 905 504 910 997 1,197 932 640 724 555 Vehicle rental, leases, licenses, other charges.............................. 436 218 495 493 549 488 255 340 170 Public transportation.................... 385 187 340 411 476 495 298 370 226 Health care................................. 2,416 546 1,468 2,105 2,479 3,059 3,741 3,626 3,856 Health insurance......................... 1,252 281 810 1,109 1,166 1,572 2,002 1,974 2,031 Medical services......................... 591 129 394 598 718 742 688 681 695 Drugs.................................... 467 100 202 301 459 627 905 838 971 Medical supplies......................... 107 37 62 97 137 118 146 133 159 Entertainment............................... 2,060 950 1,958 2,519 2,407 2,414 1,469 2,016 909 Fees and admissions...................... 494 233 402 638 624 597 314 383 244 Television, radios, sound equipment...... 730 463 780 874 865 744 488 560 415 Pets, toys, and playground equipment..... 378 139 403 438 450 381 309 451 159 Other entertainment supplies, equipment,and services.................. 457 115 373 569 468 692 358 621 90 Personal care products and services......... 527 326 498 602 616 549 440 491 387 Reading..................................... 127 53 99 114 150 168 141 149 134 Education................................... 783 1,490 684 694 1,377 743 129 176 81 Tobacco products and smoking supplies....... 290 230 285 312 385 337 162 219 105 Miscellaneous............................... 606 251 532 601 830 675 533 547 519 Cash contributions.......................... 1,370 371 754 1,256 1,651 1,568 1,969 1,811 2,127 Personal insurance and pensions............. 4,055 1,382 4,137 5,196 6,003 4,819 1,251 1,847 651 Life and other personal insurance........ 397 40 200 382 600 570 388 504 270 Pensions and Social Security............. 3,658 1,342 3,937 4,814 5,403 4,249 864 1,342 382 Sources of income and personal taxes: a/ Money income before taxes.................. 51,128 20,680 50,389 61,091 68,028 58,672 30,437 35,314 25,492 Wages and salaries....................... 41,200 18,525 47,430 55,795 59,835 45,121 7,501 12,359 2,575 Self-employment income................... 2,138 346 1,211 2,420 3,423 2,728 1,616 1,996 1,231 Social Security, private and government retirement................... 5,601 174 292 839 2,418 7,802 18,881 18,851 18,911 Interest, dividends, rental income, other property income................... 1,097 83 278 618 1,279 1,922 1,930 1,547 2,317 Unemployment and workers'' compensation, veterans'' benefits..................... 269 78 296 350 357 319 109 110 109 Public assistance, supplemental security, income, food stamps..................... 314 262 342 371 300 386 214 243 184 Regular contributions for support........ 343 738 372 507 301 273 87 99 76 Other income............................. 165 474 168 191 116 122 99 109 90 Personal taxes............................. 2,532 421 1,979 2,817 3,949 2,827 1,878 1,455 2,307 Federal income taxes..................... 1,843 261 1,336 1,988 2,914 2,010 1,535 1,044 2,032 State and local income taxes............. 502 144 544 658 814 511 114 152 77 Other taxes.............................. 187 15 99 170 221 306 228 259 197 Income after taxes......................... 48,596 20,259 48,410 58,275 64,080 55,844 28,559 33,859 23,185 Net change in total assets and liabilities... -14,376 -2,556 -21,532 -20,302 -20,363 -7,462 -5,284 -7,736 -2,816 Net change in total assets............... 6,451 4,074 13,436 9,678 6,101 6,512 -1,804 -1,830 -1,777 Net change in total liabilities.......... 20,827 6,630 34,968 29,981 26,464 13,974 3,480 5,905 1,039 Other financial information: Other money receipts..................... 530 109 141 425 507 1,449 495 529 461 Mortgage principal paid on owned property................................ -1,565 -157 -1,078 -2,070 -2,391 -2,103 -749 -1,172 -322 Estimated market value of owned home..... 122,059 15,446 81,518 131,093 145,754 164,464 132,695 147,037 118,255 Estimated monthly rental value of owned home.................................... 750 124 539 838 898 930 791 852 730 Gifts of goods and services................. 1,007 321 639 741 1,588 1,572 873 952 788 Food..................................... 78 19 23 40 140 180 49 72 26 Alcoholic beverages...................... 16 10 21 16 22 17 8 11 6 Housing.................................. 220 75 139 204 322 310 198 213 181 Housekeeping supplies.................. 42 17 31 54 49 52 31 41 21 Household textiles..................... 13 d/ 2 5 10 21 23 10 15 6 Appliances and miscellaneous housewares........................... 25 9 14 25 31 36 24 29 18 Major appliances..................... 7 d/ 1 3 9 8 7 9 8 9 Small appliances and miscellaneous housewares......................... 18 d/ 8 11 17 23 29 15 21 9 Miscellaneous household equipment...... 57 19 40 41 81 91 53 63 42 Other housing.......................... 85 28 48 73 140 107 79 65 94 Apparel and services..................... 225 116 220 220 250 314 188 265 108 Males, 2 and over...................... 56 30 38 55 71 80 48 57 39 Females, 2 and over.................... 80 19 68 78 83 122 85 130 38 Children under 2....................... 39 28 51 45 41 52 14 18 11 Other apparel products and services.... 50 39 65 42 56 59 40 60 20 Jewelry and watches.................. 26 27 49 14 24 27 19 28 9 All other apparel products and services............................ 25 d/ 12 15 28 32 33 21 31 11 Transportation........................... 60 7 77 23 106 72 47 43 52 Health care.............................. 48 d/ 3 8 23 49 48 125 44 206 Entertainment............................ 69 39 60 61 81 111 54 67 41 Toys, games, hobbies, and tricycles.... 26 8 23 21 30 45 23 33 14 Other entertainment.................... 43 31 37 40 51 66 31 34 27 Personal care products and services...... 16 7 12 16 23 19 13 14 12 Reading.................................. 1 c/ 1 c/ 1 3 3 3 2 Education................................ 200 23 31 97 510 373 83 111 54 All other gifts.......................... 74 22 47 41 84 126 106 110 101 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 Data are likely to have large sampling errors.