Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Total Under 65 and Item four 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 15,697 560 3,749 6,501 3,479 902 506 Income before taxes a/ ...................... $66,977 $29,709 $51,821 $72,765 $81,323 $65,721 $51,836 Income after taxes a/ ....................... 63,460 29,264 50,063 68,401 76,517 62,949 50,142 Age of the reference person.................. 40.8 21.7 30.4 39.5 48.6 58.4 71.5 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.6 1.4 2.0 1.8 1.3 .9 .7 Persons 65 and over......................... .1 b/ b/ b/ b/ .1 1.4 Earners..................................... 2.0 1.9 1.7 2.0 2.4 2.3 1.8 Vehicles.................................... 2.5 1.8 2.1 2.6 3.1 2.7 2.4 Percent distribution: Male........................................ 54 46 48 53 63 67 45 Female...................................... 46 54 52 47 37 33 55 Homeowner................................... 74 28 61 79 85 77 86 With mortgage.............................. 61 16 51 69 68 52 40 Without mortgage........................... 13 12 10 10 16 26 46 Renter...................................... 26 72 39 21 15 23 14 Black....................................... 13 20 15 10 10 19 28 White and other............................. 87 80 85 90 90 81 72 Elementary (1-8)............................ 5 4 4 3 5 10 17 High school (9-12).......................... 37 55 42 35 29 36 50 College..................................... 58 40 55 61 66 53 30 Never attended and other.................... c/ 1 c/ c/ c/ d/ 2 At least one vehicle owned or leased........ 94 80 91 96 95 92 89 Average annual expenditures.................. $54,212 $32,617 $44,369 $56,845 $62,668 $54,273 $59,803 Food........................................ 7,445 5,403 6,106 7,669 8,829 8,378 6,001 Food at home............................. 4,418 3,471 3,811 4,517 4,978 5,097 3,872 Cereals and bakery products............ 660 474 568 690 733 742 582 Cereals and cereal products.......... 230 182 215 230 253 258 187 Bakery products...................... 430 292 353 460 480 484 395 Meats, poultry, fish, and eggs......... 1,145 965 1,018 1,158 1,258 1,356 993 Beef................................. 344 307 323 333 392 386 277 Pork................................. 245 201 216 257 253 280 261 Other meats.......................... 145 95 128 154 154 176 126 Poultry.............................. 207 181 193 207 221 240 179 Fish and seafood..................... 160 136 120 164 189 219 110 Eggs................................. 44 45 38 44 47 54 39 Dairy products......................... 482 360 413 501 539 545 437 Fresh milk and cream................. 196 164 180 196 218 214 179 Other dairy products................. 286 196 234 305 322 331 258 Fruits and vegetables.................. 734 583 616 736 884 836 543 Fresh fruits......................... 228 165 175 232 296 248 153 Fresh vegetables..................... 224 195 175 221 282 272 181 Processed fruits..................... 165 136 148 166 185 197 109 Processed vegetables................. 117 86 119 118 120 119 100 Other food at home..................... 1,396 1,089 1,194 1,432 1,564 1,619 1,318 Sugar and other sweets............... 171 114 129 179 195 218 225 Fats and oils........................ 118 95 102 116 141 149 86 Miscellaneous foods.................. 685 591 617 705 740 736 610 Nonalcoholic beverages............... 367 266 312 376 420 443 307 Food prepared by consumer unit on out-of-town trips................... 54 e/ 23 34 56 67 72 e/ 90 Food away from home.................... 3,028 1,932 2,295 3,152 3,851 3,281 2,129 Alcoholic beverages......................... 379 302 303 387 508 233 296 Housing..................................... 17,775 10,737 15,655 18,990 18,886 16,341 20,854 Shelter.................................. 10,356 6,604 9,116 11,237 10,873 9,491 10,373 Owned dwellings........................ 7,850 1,253 6,216 9,043 8,635 6,823 8,376 Mortgage interest and charges........ 5,034 707 4,298 6,022 5,394 3,942 2,059 Property taxes....................... 1,690 336 1,055 1,853 1,992 1,553 3,952 Maintenance, repairs, insurance,other expenses............................ 1,127 210 863 1,168 1,249 1,328 2,365 Rented dwellings....................... 1,925 5,239 2,653 1,666 1,226 1,993 886 Other lodging.......................... 581 e/ 112 246 529 1,012 675 1,112 Utilities, fuels, and public services.... 3,473 2,389 2,937 3,481 3,955 3,883 4,514 Natural gas............................ 476 280 400 473 549 520 722 Electricity............................ 1,259 911 1,053 1,279 1,405 1,417 1,621 Fuel oil and other fuels............... 119 e/ 38 72 117 161 110 306 Telephone services..................... 1,193 941 1,070 1,161 1,358 1,381 1,322 Water and other public services........ 426 218 343 451 481 455 542 Household operations..................... 1,311 465 1,349 1,446 985 766 3,447 Personal services...................... 785 330 1,093 945 390 296 e/ 546 Other household expenses............... 526 135 256 501 595 470 2,901 Housekeeping supplies.................... 703 368 550 751 858 664 775 Laundry and cleaning supplies.......... 186 180 180 193 177 202 180 Other household products............... 367 137 268 397 471 355 395 Postage and stationery................. 149 51 101 161 209 108 200 Household furnishings and equipment...... 1,931 912 1,703 2,074 2,216 1,537 1,745 Household textiles..................... 145 71 118 169 147 155 123 Furniture.............................. 561 286 598 606 515 326 723 Floor coverings........................ 52 e/ 21 35 63 57 e/ 55 e/ 38 Major appliances....................... 245 125 180 261 319 214 197 Small appliances, miscellaneous housewares............................ 107 84 67 138 102 108 83 Miscellaneous household equipment...... 822 325 706 837 1,075 678 580 Apparel and services........................ 2,507 1,999 2,150 2,617 2,939 2,195 1,829 Men and boys............................. 663 482 511 745 782 470 465 Men, 16 and over....................... 442 301 314 468 591 395 278 Boys, 2 to 15.......................... 221 181 196 277 191 75 188 Women and girls.......................... 932 622 694 945 1,266 863 740 Women, 16 and over..................... 664 530 469 596 1,027 711 515 Girls, 2 to 15......................... 268 92 225 349 238 152 225 Children under 2......................... 160 319 286 130 79 74 65 Footwear................................. 462 368 431 491 483 485 e/ 236 Other apparel products and services...... 290 208 229 306 330 304 322 Transportation.............................. 10,731 6,660 9,324 10,997 12,541 10,580 10,087 Vehicle purchases (net outlay)........... 5,218 3,399 4,737 5,369 5,935 4,925 4,435 Cars and trucks, new................... 2,366 e/ 1,096 1,624 2,731 2,674 2,364 e/ 2,459 Cars and trucks, used.................. 2,749 2,298 3,020 2,506 3,144 2,561 1,976 Other vehicles......................... 103 e/ 4 e/ 93 132 e/ 116 d/ d/ Gasoline and motor oil................... 1,761 1,257 1,471 1,806 2,078 1,834 1,581 Other vehicle expenses................... 3,289 1,736 2,807 3,408 3,848 3,321 3,167 Vehicle finance charges................ 578 252 616 565 644 524 452 Maintenance and repairs................ 890 454 701 972 1,055 811 734 Vehicle insurance...................... 1,127 628 913 1,115 1,408 1,311 1,158 Vehicle rental, leases, licenses, other charges.............................. 695 401 577 757 741 676 823 Public transportation.................... 464 268 309 414 680 500 905 Health care................................. 2,364 984 1,787 2,323 2,850 3,271 3,744 Health insurance......................... 1,175 516 1,003 1,147 1,334 1,395 2,069 Medical services......................... 711 225 490 729 898 1,031 801 Drugs.................................... 379 201 237 345 483 738 716 Medical supplies......................... 99 42 58 102 135 107 158 Entertainment............................... 2,858 1,334 2,231 3,202 3,432 2,181 2,060 Fees and admissions...................... 804 284 441 973 1,043 633 553 Television, radios, sound equipment...... 915 504 788 921 1,103 885 985 Pets, toys, and playground equipment..... 491 411 422 548 516 428 298 Other entertainment supplies, equipment,and services.................. 648 136 580 760 770 235 224 Personal care products and services......... 649 442 529 688 725 750 595 Reading..................................... 153 55 94 157 210 190 171 Education................................... 1,108 1,251 374 917 2,170 1,297 1,222 Tobacco products and smoking supplies....... 350 428 307 352 365 420 331 Miscellaneous............................... 1,040 254 632 753 1,180 1,307 7,245 Cash contributions.......................... 1,265 630 788 1,328 1,578 1,590 1,954 Personal insurance and pensions............. 5,589 2,137 4,088 6,465 6,455 5,540 3,413 Life and other personal insurance........ 542 89 364 566 750 512 689 Pensions and Social Security............. 5,047 2,048 3,725 5,900 5,706 5,029 2,724 Sources of income and personal taxes: a/ Money income before taxes.................. 66,977 29,709 51,821 72,765 81,323 65,721 51,836 Wages and salaries....................... 60,128 26,277 48,923 66,129 72,619 54,214 29,773 Self-employment income................... 3,551 e/ 474 1,410 4,490 4,928 2,642 3,102 Social Security, private and government retirement................... 1,604 e/ 233 403 583 1,585 6,412 16,730 Interest, dividends, rental income, other property income................... 676 e/ 228 176 671 1,230 894 926 Unemployment and workers'' compensation, veterans'' benefits..................... 252 e/ 91 197 280 242 326 e/ 407 Public assistance, supplemental security, income, food stamps..................... 335 891 340 252 252 765 607 Regular contributions for support........ 345 e/ 1,197 301 295 369 356 e/ 265 Other income............................. 84 318 72 66 97 e/ 112 e/ 26 Personal taxes............................. 3,517 445 1,758 4,364 4,806 2,773 1,694 Federal income taxes..................... 2,640 216 1,158 3,414 3,552 2,068 1,223 State and local income taxes............. 701 221 519 763 977 528 248 Other taxes.............................. 175 e/ 9 81 187 277 176 223 Income after taxes......................... 63,460 29,264 50,063 68,401 76,517 62,949 50,142 Net change in total assets and liabilities... -5,102 8,182 -8,423 -9,991 -9,801 -10,865 110,169 Net change in total assets............... 10,564 14,322 9,996 6,679 4,837 4,614 110,475 Net change in total liabilities.......... 15,666 6,140 18,418 16,670 14,638 15,479 307 Other financial information: Other money receipts..................... 242 e/ 108 169 192 377 174 780 Mortgage principal paid on owned property................................ -2,266 -241 -1,868 -2,443 -2,801 -2,429 -1,209 Estimated market value of owned home..... 145,828 26,239 87,192 142,697 175,362 146,154 549,053 Estimated monthly rental value of owned home.................................... 901 250 663 977 1,103 908 989 Gifts of goods and services................. 960 496 574 852 1,584 1,188 1,103 Food..................................... 67 e/ 24 41 47 142 51 e/ 102 Alcoholic beverages...................... 16 e/ 10 11 24 10 e/ 20 e/ 5 Housing.................................. 255 90 225 230 373 234 265 Housekeeping supplies.................. 46 e/ 11 28 48 48 65 e/ 188 Household textiles..................... 14 e/ 3 17 15 8 e/ 23 e/ 4 Appliances and miscellaneous housewares........................... 19 e/ 2 15 22 25 e/ 8 e/ 11 Major appliances..................... 5 d/ e/ 1 6 11 e/ 1 e/ 3 Small appliances and miscellaneous housewares......................... 14 e/ 2 15 15 15 e/ 7 e/ 8 Miscellaneous household equipment...... 58 e/ 20 48 47 99 47 55 Other housing.......................... 118 54 117 98 193 92 e/ 7 Apparel and services..................... 251 268 161 238 383 175 270 Males, 2 and over...................... 62 e/ 107 28 57 101 54 73 Females, 2 and over.................... 74 e/ 34 31 63 157 45 57 Children under 2....................... 67 92 70 70 64 38 60 Other apparel products and services.... 47 e/ 35 32 48 61 e/ 38 e/ 80 Jewelry and watches.................. 12 e/ 3 12 9 13 e/ 6 e/ 53 All other apparel products and services............................ 35 e/ 32 e/ 20 39 48 e/ 32 e/ 27 Transportation........................... 50 d/ 13 40 40 271 192 Health care.............................. 16 e/ 2 e/ 10 9 31 e/ 28 e/ 53 Entertainment............................ 73 e/ 33 55 81 97 52 e/ 25 Toys, games, hobbies, and tricycles.... 23 e/ 18 14 29 23 27 e/ 7 Other entertainment.................... 50 e/ 16 41 52 75 25 e/ 18 Personal care products and services...... 14 e/ 3 7 18 18 16 e/ 4 Reading.................................. 1 d/ c/ 1 1 e/ 1 e/ 1 Education................................ 176 e/ 28 35 130 431 225 132 All other gifts.......................... 40 37 16 34 57 115 54 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. n.a. Not applicable.