Table 4500. Selected age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003 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)...... 115,356 17,843 97,513 64,427 50,930 75,864 39,492 92,444 22,912 Income before taxes a/ ...................... $51,128 $32,424 $54,587 $53,740 $47,818 $55,788 $42,139 $56,298 $30,437 Income after taxes a/ ....................... 48,596 31,376 51,781 51,367 45,086 53,121 39,867 53,603 28,559 Age of the reference person.................. 48.4 24.3 52.8 35.5 64.7 38.0 68.4 41.8 75.1 Average number in consumer unit: Persons..................................... 2.5 2.3 2.5 2.9 2.0 2.8 1.9 2.7 1.7 Children under 18........................... .6 .6 .6 1.0 .2 .9 .1 .8 .1 Persons 65 and over......................... .3 b/ .4 b/ .7 b/ .8 b/ 1.4 Earners..................................... 1.3 1.4 1.3 1.6 1.0 1.6 .8 1.5 .4 Vehicles.................................... 1.9 1.4 2.0 1.9 1.9 2.0 1.8 2.1 1.5 Percent distribution: Male........................................ 50 51 50 51 49 51 49 51 45 Female...................................... 50 49 50 49 51 49 51 49 55 Homeowner................................... 67 28 74 57 80 60 81 64 80 With mortgage.............................. 41 21 44 46 34 47 29 47 17 Without mortgage........................... 26 7 30 10 46 12 52 17 63 Renter...................................... 33 72 26 43 20 40 19 36 20 Black or African American................... 12 12 12 13 11 13 10 12 10 White, Asian, and All Other Races........... 88 88 88 87 89 87 90 88 90 Elementary (1-8)............................ 6 2 7 3 9 3 11 4 14 High school (9-12).......................... 36 31 37 33 40 34 42 34 46 College..................................... 57 66 56 63 50 63 47 62 39 Never attended and other.................... c/ c/ c/ c/ c/ c/ 1 c/ 1 At least one vehicle owned or leased........ 88 80 89 88 87 89 86 89 82 Average annual expenditures.................. $40,817 $29,768 $42,835 $42,631 $38,499 $43,515 $35,593 $43,639 $29,376 Food........................................ 5,340 4,175 5,551 5,643 4,940 5,722 4,581 5,689 3,896 Food at home............................. 3,129 2,226 3,292 3,205 3,029 3,251 2,885 3,263 2,575 Cereals and bakery products............ 442 318 464 457 422 461 404 455 387 Cereals and cereal products.......... 150 123 155 161 136 161 128 157 120 Bakery products...................... 292 194 309 296 286 300 275 298 267 Meats, poultry, fish, and eggs......... 825 556 873 840 805 853 767 864 661 Beef................................. 246 165 260 252 237 256 224 262 178 Pork................................. 171 108 182 167 176 170 171 174 157 Other meats.......................... 102 66 109 105 98 106 94 107 83 Poultry.............................. 145 108 151 156 130 157 120 154 105 Fish and seafood..................... 124 80 133 123 127 126 122 130 103 Eggs................................. 37 29 39 38 36 38 36 38 36 Dairy products......................... 328 241 344 340 312 343 297 340 277 Fresh milk and cream................. 127 94 132 134 116 134 112 131 108 Other dairy products................. 201 147 211 206 196 209 186 209 169 Fruits and vegetables.................. 535 363 567 524 550 538 530 548 484 Fresh fruits......................... 171 108 182 166 177 172 168 175 153 Fresh vegetables..................... 172 116 182 166 179 171 173 175 160 Processed fruits..................... 108 81 113 109 107 111 104 112 95 Processed vegetables................. 84 58 89 83 86 84 85 86 76 Other food at home..................... 999 749 1,044 1,044 940 1,055 887 1,055 767 Sugar and other sweets............... 119 73 127 122 115 123 111 124 100 Fats and oils........................ 86 57 91 84 88 86 85 87 80 Miscellaneous foods.................. 490 403 505 520 449 524 421 519 366 Nonalcoholic beverages............... 268 196 281 283 249 286 233 287 191 Food prepared by consumer unit on out-of-town trips................... 36 19 39 35 38 36 37 38 29 Food away from home.................... 2,211 1,949 2,258 2,439 1,911 2,470 1,696 2,427 1,321 Alcoholic beverages......................... 391 480 375 452 312 456 263 441 184 Housing..................................... 13,432 9,926 14,073 14,403 12,204 14,488 11,402 14,348 9,729 Shelter.................................. 7,887 6,243 8,188 8,764 6,778 8,768 6,196 8,553 5,201 Owned dwellings........................ 5,263 2,098 5,842 5,541 4,911 5,680 4,462 5,696 3,515 Mortgage interest and charges........ 2,954 1,416 3,235 3,641 2,085 3,636 1,644 3,475 851 Property taxes....................... 1,344 451 1,507 1,167 1,568 1,234 1,554 1,330 1,399 Maintenance, repairs, insurance,other expenses............................ 965 231 1,099 734 1,258 810 1,263 891 1,266 Rented dwellings....................... 2,179 3,936 1,858 2,840 1,344 2,654 1,267 2,390 1,331 Other lodging.......................... 445 210 488 382 524 433 467 467 355 Utilities, fuels, and public services.... 2,811 1,865 2,985 2,782 2,849 2,850 2,738 2,892 2,484 Natural gas............................ 392 212 425 370 420 382 411 391 396 Electricity............................ 1,028 665 1,094 1,000 1,064 1,025 1,033 1,048 946 Fuel oil and other fuels............... 110 38 123 87 138 93 141 103 138 Telephone services..................... 956 784 987 1,023 870 1,035 803 1,026 673 Water and other public services........ 326 166 356 302 357 314 351 325 332 Household operations..................... 707 432 758 778 618 751 622 725 635 Personal services...................... 294 274 297 416 139 368 150 315 206 Other household expenses............... 414 157 461 362 479 383 473 410 429 Housekeeping supplies.................... 529 344 562 507 558 523 541 539 485 Laundry and cleaning supplies.......... 132 110 136 138 125 139 118 139 103 Other household products............... 263 146 285 253 278 259 273 267 247 Postage and stationery................. 133 89 141 116 155 125 150 133 136 Household furnishings and equipment...... 1,497 1,041 1,580 1,572 1,401 1,597 1,304 1,638 923 Household textiles..................... 113 63 123 108 121 115 111 119 90 Furniture.............................. 401 331 414 460 326 456 294 455 184 Floor coverings........................ 52 16 58 46 59 48 60 53 48 Major appliances....................... 196 124 209 200 190 197 193 203 165 Small appliances, miscellaneous housewares............................ 88 54 94 81 97 87 90 94 63 Miscellaneous household equipment...... 648 453 683 677 609 694 556 715 373 Apparel and services........................ 1,640 1,313 1,699 1,870 1,342 1,873 1,182 1,818 908 Men and boys............................. 372 289 387 442 280 443 230 421 170 Men, 16 and over....................... 282 237 290 316 238 323 201 314 150 Boys, 2 to 15.......................... 89 52 96 127 42 120 29 106 20 Women and girls.......................... 634 423 673 679 577 694 517 687 419 Women, 16 and over..................... 529 360 559 532 524 555 477 563 386 Girls, 2 to 15......................... 106 63 114 147 53 139 41 124 33 Children under 2......................... 81 151 69 115 38 105 35 97 17 Footwear................................. 294 220 307 350 220 343 196 325 167 Other apparel products and services...... 258 230 264 283 227 288 203 289 135 Transportation.............................. 7,781 6,408 8,032 8,354 7,055 8,477 6,443 8,513 4,824 Vehicle purchases (net outlay)........... 3,732 3,190 3,831 4,044 3,337 4,058 3,104 4,100 2,247 Cars and trucks, new................... 2,052 1,395 2,173 2,055 2,050 2,067 2,025 2,167 1,591 Cars and trucks, used.................. 1,611 1,738 1,588 1,904 1,242 1,898 1,060 1,853 637 Other vehicles......................... 68 57 70 86 45 93 d/ 20 80 d/ 19 Gasoline and motor oil................... 1,333 1,143 1,368 1,464 1,167 1,479 1,052 1,467 792 Other vehicle expenses................... 2,331 1,827 2,423 2,471 2,154 2,553 1,906 2,540 1,487 Vehicle finance charges................ 371 357 373 450 270 452 213 432 125 Maintenance and repairs................ 619 440 652 608 634 641 577 657 467 Vehicle insurance...................... 905 699 943 946 853 979 763 971 640 Vehicle rental, leases, licenses, other charges.............................. 436 331 455 467 397 480 353 481 255 Public transportation.................... 385 249 410 375 398 387 381 407 298 Health care................................. 2,416 918 2,690 1,758 3,250 1,877 3,455 2,088 3,741 Health insurance......................... 1,252 494 1,390 918 1,674 955 1,822 1,066 2,002 Medical services......................... 591 243 655 490 719 528 711 567 688 Drugs.................................... 467 134 528 266 722 300 788 359 905 Medical supplies......................... 107 47 118 85 136 93 134 98 146 Entertainment............................... 2,060 1,347 2,190 2,142 1,955 2,160 1,865 2,206 1,469 Fees and admissions...................... 494 283 533 517 466 527 433 539 314 Television, radios, sound equipment...... 730 613 752 796 646 800 595 790 488 Pets, toys, and playground equipment..... 378 255 401 393 360 399 340 395 309 Other entertainment supplies, equipment,and services.................. 457 196 505 437 482 435 498 481 358 Personal care products and services......... 527 397 551 541 508 547 486 548 440 Reading..................................... 127 66 138 107 153 114 153 124 141 Education................................... 783 1,143 718 939 585 989 387 945 129 Tobacco products and smoking supplies....... 290 258 295 305 270 318 236 321 162 Miscellaneous............................... 606 351 652 583 635 613 592 624 533 Cash contributions.......................... 1,370 509 1,527 1,027 1,804 1,146 1,801 1,221 1,969 Personal insurance and pensions............. 4,055 2,477 4,344 4,505 3,486 4,735 2,749 4,750 1,251 Life and other personal insurance........ 397 97 452 310 507 362 464 400 388 Pensions and Social Security............. 3,658 2,379 3,892 4,195 2,979 4,373 2,285 4,351 864 Sources of income and personal taxes: a/ Money income before taxes.................. 51,128 32,424 54,587 53,740 47,818 55,788 42,139 56,298 30,437 Wages and salaries....................... 41,200 30,234 43,228 49,158 31,117 50,587 23,092 49,620 7,501 Self-employment income................... 2,138 517 2,438 2,099 2,189 2,170 2,077 2,269 1,616 Social Security, private and government retirement................... 5,601 187 6,602 702 11,807 1,097 14,289 2,283 18,881 Interest, dividends, rental income, other property income................... 1,097 95 1,283 467 1,897 668 1,926 889 1,930 Unemployment and workers'' compensation, veterans'' benefits..................... 269 170 287 302 228 307 196 309 109 Public assistance, supplemental security, income, food stamps..................... 314 329 312 335 288 330 285 339 214 Regular contributions for support........ 343 544 306 472 180 436 164 407 87 Other income............................. 165 348 131 206 114 194 109 182 99 Personal taxes............................. 2,532 1,048 2,806 2,373 2,733 2,667 2,271 2,695 1,878 Federal income taxes..................... 1,843 690 2,056 1,672 2,059 1,901 1,732 1,920 1,535 State and local income taxes............. 502 313 536 571 413 617 279 598 114 Other taxes.............................. 187 45 213 130 260 149 261 177 228 Income after taxes......................... 48,596 31,376 51,781 51,367 45,086 53,121 39,867 53,603 28,559 Net change in total assets and liabilities... -14,376 -5,986 -15,911 -19,366 -8,063 -18,633 -6,199 -16,629 -5,284 Net change in total assets............... 6,451 8,436 6,088 9,328 2,811 8,931 1,687 8,497 -1,804 Net change in total liabilities.......... 20,827 14,422 21,999 28,694 10,875 27,564 7,886 25,126 3,480 Other financial information: Other money receipts..................... 530 133 603 329 785 340 896 539 495 Mortgage principal paid on owned property................................ -1,565 -424 -1,773 -1,604 -1,514 -1,693 -1,317 -1,767 -749 Estimated market value of owned home..... 122,059 35,972 137,812 103,348 145,729 109,580 146,033 119,423 132,695 Estimated monthly rental value of owned home.................................... 750 266 838 663 859 698 849 739 791 Gifts of goods and services................. 1,007 430 1,112 787 1,286 924 1,166 1,040 873 Food..................................... 78 21 88 47 117 64 104 85 49 Alcoholic beverages...................... 16 13 17 18 13 18 12 18 8 Housing.................................. 220 105 241 182 270 208 245 226 198 Housekeeping supplies.................. 42 29 44 40 43 42 40 44 31 Household textiles..................... 13 2 15 9 17 11 16 13 10 Appliances and miscellaneous housewares........................... 25 9 27 22 28 22 29 25 24 Major appliances..................... 7 d/ 1 8 6 7 6 8 6 9 Small appliances and miscellaneous housewares......................... 18 8 20 16 20 16 21 18 15 Miscellaneous household equipment...... 57 28 62 42 76 51 69 58 53 Other housing.......................... 85 37 94 69 105 82 91 86 79 Apparel and services..................... 225 150 239 206 249 217 241 234 188 Males, 2 and over...................... 56 28 61 46 68 53 61 57 48 Females, 2 and over.................... 80 40 88 67 97 70 101 79 85 Children under 2....................... 39 38 39 44 32 43 30 45 14 Other apparel products and services.... 50 44 52 49 52 52 48 53 40 Jewelry and watches.................. 26 33 25 27 25 28 22 28 19 All other apparel products and services............................ 25 11 27 22 28 24 26 25 21 Transportation........................... 60 10 69 51 71 61 58 63 47 Health care.............................. 48 6 56 19 85 25 93 29 125 Entertainment............................ 69 45 73 61 79 64 78 73 54 Toys, games, hobbies, and tricycles.... 26 13 29 21 32 23 33 27 23 Other entertainment.................... 43 33 45 40 46 42 45 46 31 Personal care products and services...... 16 11 17 15 17 16 16 17 13 Reading.................................. 1 c/ 2 1 2 1 3 1 3 Education................................ 200 38 229 141 274 197 205 229 83 All other gifts.......................... 74 31 82 47 108 53 114 66 106 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.