Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Total Under 65 and 75 and Item two 25 25-34 35-44 45-54 55-64 over 65-74 over persons Number of consumer units (in thousands)...... 34,500 1,950 4,399 4,524 7,010 7,259 9,358 5,439 3,919 Income before taxes a/ ...................... $51,830 $31,895 $60,555 $55,730 $64,598 $58,191 $36,001 $39,513 $31,074 Income after taxes a/ ....................... 48,666 30,983 56,701 52,388 59,688 54,482 34,442 37,478 30,184 Age of the reference person.................. 52.8 21.9 29.3 39.9 49.8 59.3 73.7 69.3 79.9 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .2 .2 .3 .1 b/ b/ b/ b/ Persons 65 and over......................... .5 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.2 1.6 1.7 1.5 1.6 1.3 .5 .6 .4 Vehicles.................................... 2.2 1.5 1.8 1.9 2.5 2.6 2.0 2.2 1.7 Percent distribution: Male........................................ 56 38 54 47 50 60 67 67 66 Female...................................... 44 62 46 53 50 40 33 33 34 Homeowner................................... 74 20 49 63 79 88 89 90 87 With mortgage.............................. 39 11 41 51 58 43 21 27 12 Without mortgage........................... 35 10 8 12 22 44 68 63 75 Renter...................................... 26 80 51 37 21 12 11 10 13 Black....................................... 10 14 10 17 11 7 6 7 5 White and other............................. 90 86 90 83 89 93 94 93 95 Elementary (1-8)............................ 5 1 1 2 2 4 11 8 14 High school (9-12).......................... 39 35 25 39 38 40 45 46 45 College..................................... 56 64 74 58 60 56 44 46 41 Never attended and other.................... c/ 1 d/ c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 93 85 91 90 94 96 93 95 91 Average annual expenditures.................. $41,085 $29,997 $43,528 $41,227 $46,322 $46,844 $33,793 $36,125 $30,517 Food........................................ 5,305 4,346 5,191 5,243 5,676 5,889 4,859 5,196 4,371 Food at home............................. 2,948 2,159 2,505 2,719 3,145 3,297 3,029 3,191 2,794 Cereals and bakery products............ 416 306 342 376 422 452 464 465 463 Cereals and cereal products.......... 134 113 127 126 131 140 144 143 145 Bakery products...................... 282 193 215 250 291 312 321 323 318 Meats, poultry, fish, and eggs......... 789 523 668 714 887 889 791 855 697 Beef................................. 235 161 202 208 260 256 245 278 198 Pork................................. 174 91 131 148 203 205 178 195 154 Other meats.......................... 94 73 77 92 100 102 96 101 89 Poultry.............................. 136 103 128 135 160 142 125 127 121 Fish and seafood..................... 118 73 102 100 129 149 111 118 101 Eggs................................. 33 23 28 32 35 34 35 36 35 Dairy products......................... 305 231 259 291 311 337 322 333 307 Fresh milk and cream................. 114 86 95 108 114 119 127 124 131 Other dairy products................. 192 145 164 184 197 217 195 209 176 Fruits and vegetables.................. 529 340 420 457 549 595 594 608 573 Fresh fruits......................... 171 104 124 137 177 204 194 196 191 Fresh vegetables..................... 172 99 145 156 181 193 187 194 177 Processed fruits..................... 106 80 88 92 104 108 126 125 128 Processed vegetables................. 81 58 63 72 88 90 87 93 77 Other food at home..................... 908 759 816 881 976 1,024 858 929 755 Sugar and other sweets............... 111 78 88 102 116 129 117 127 103 Fats and oils........................ 86 58 70 78 92 93 93 102 81 Miscellaneous foods.................. 421 416 396 411 453 461 383 405 351 Nonalcoholic beverages............... 244 189 224 259 269 276 215 233 188 Food prepared by consumer unit on out-of-town trips................... 46 18 38 31 47 65 49 62 32 Food away from home.................... 2,356 2,186 2,687 2,523 2,531 2,593 1,829 2,006 1,577 Alcoholic beverages......................... 426 504 550 488 433 460 286 345 201 Housing..................................... 13,164 9,492 14,711 14,083 15,022 14,531 10,315 10,922 9,466 Shelter.................................. 7,597 5,939 9,653 8,728 8,965 7,799 5,247 5,650 4,688 Owned dwellings........................ 5,108 1,095 5,199 5,804 6,665 5,858 3,817 4,208 3,273 Mortgage interest and charges........ 2,615 590 3,524 3,684 3,894 2,723 1,052 1,367 616 Property taxes....................... 1,351 386 864 1,161 1,542 1,689 1,467 1,488 1,438 Maintenance, repairs, insurance,other expenses............................ 1,142 119 811 959 1,229 1,446 1,297 1,353 1,219 Rented dwellings....................... 1,837 4,656 4,053 2,436 1,548 918 846 710 1,036 Other lodging.......................... 652 187 401 488 752 1,023 584 732 379 Utilities, fuels, and public services.... 2,776 1,848 2,450 2,739 2,985 3,103 2,729 2,825 2,596 Natural gas............................ 366 154 286 334 372 422 415 400 435 Electricity............................ 1,027 654 802 984 1,115 1,176 1,050 1,091 993 Fuel oil and other fuels............... 114 44 51 100 108 148 144 132 162 Telephone services..................... 930 856 1,065 1,018 1,032 954 745 813 650 Water and other public services........ 339 140 247 303 357 403 376 389 356 Household operations..................... 494 241 481 487 475 536 536 465 636 Personal services...................... 92 115 195 99 43 48 104 23 217 Other household expenses............... 402 125 286 388 432 488 432 442 418 Housekeeping supplies.................... 617 288 371 531 637 948 576 618 516 Laundry and cleaning supplies.......... 128 99 100 120 135 144 135 149 114 Other household products............... 340 115 158 283 363 617 271 292 240 Postage and stationery................. 149 74 113 128 139 187 171 176 162 Household furnishings and equipment...... 1,681 1,177 1,755 1,597 1,960 2,144 1,226 1,365 1,031 Household textiles..................... 150 74 154 101 169 202 132 150 106 Furniture.............................. 455 326 569 459 566 549 269 292 237 Floor coverings........................ 54 8 35 60 67 71 48 58 33 Major appliances....................... 219 134 284 171 244 246 192 198 183 Small appliances, miscellaneous housewares............................ 114 123 92 93 127 164 86 102 63 Miscellaneous household equipment...... 688 512 621 713 788 912 499 564 408 Apparel and services........................ 1,604 1,318 1,881 1,675 1,876 1,869 1,086 1,245 856 Men and boys............................. 359 228 426 369 452 375 266 317 192 Men, 16 and over....................... 329 218 387 320 422 349 244 289 180 Boys, 2 to 15.......................... 30 10 39 49 30 27 22 28 12 Women and girls.......................... 667 534 675 690 723 879 472 542 371 Women, 16 and over..................... 627 511 621 624 685 837 448 514 352 Girls, 2 to 15......................... 40 23 53 66 38 43 24 28 19 Children under 2......................... 44 61 72 28 49 55 23 30 12 Footwear................................. 276 260 335 318 360 283 159 166 149 Other apparel products and services...... 259 235 374 270 292 276 166 190 132 Transportation.............................. 7,903 6,924 9,413 7,956 8,887 8,870 5,885 6,592 4,904 Vehicle purchases (net outlay)........... 3,648 3,506 4,491 3,752 4,150 4,055 2,538 2,893 2,046 Cars and trucks, new................... 1,982 865 2,178 1,989 2,327 2,380 1,551 1,723 1,312 Cars and trucks, used.................. 1,619 2,566 2,261 1,720 1,749 1,635 960 1,123 734 Other vehicles......................... 47 e/ 75 e/ 51 e/ 42 74 e/ 40 e/ 28 e/ 48 d/ Gasoline and motor oil................... 1,278 1,163 1,356 1,288 1,461 1,419 1,016 1,167 805 Other vehicle expenses................... 2,510 2,049 2,952 2,474 2,863 2,793 1,931 2,082 1,720 Vehicle finance charges................ 384 396 538 470 478 408 179 225 114 Maintenance and repairs................ 691 497 671 673 759 817 602 643 545 Vehicle insurance...................... 909 748 963 855 988 997 815 864 746 Vehicle rental, leases, licenses, other charges.............................. 525 408 778 476 639 570 335 350 314 Public transportation.................... 468 206 614 442 413 603 401 450 333 Health care................................. 2,919 876 1,328 1,682 2,540 3,382 4,619 4,502 4,781 Health insurance......................... 1,429 440 723 773 1,124 1,548 2,421 2,350 2,520 Medical services......................... 707 217 342 484 778 971 831 901 734 Drugs.................................... 651 170 200 353 520 711 1,162 1,051 1,316 Medical supplies......................... 132 49 64 72 118 153 204 199 212 Entertainment............................... 2,083 1,405 2,296 1,957 2,380 2,778 1,425 1,578 1,212 Fees and admissions...................... 544 339 660 525 518 734 414 484 318 Television, radios, sound equipment...... 658 573 760 707 731 712 506 558 434 Pets, toys, and playground equipment..... 368 252 346 431 478 448 229 266 177 Other entertainment supplies, equipment,and services.................. 514 241 530 294 652 884 276 271 283 Personal care products and services......... 534 378 488 544 564 583 525 561 473 Reading..................................... 165 69 145 120 164 209 182 191 170 Education................................... 483 1,405 725 425 624 406 160 182 129 Tobacco products and smoking supplies....... 319 302 321 466 414 331 172 223 102 Miscellaneous............................... 771 462 763 860 839 791 730 740 715 Cash contributions.......................... 1,473 344 813 1,088 1,406 1,815 1,990 1,891 2,128 Personal insurance and pensions............. 3,934 2,172 4,903 4,642 5,497 4,931 1,560 1,957 1,008 Life and other personal insurance........ 487 62 205 302 553 783 520 611 393 Pensions and Social Security............. 3,447 2,109 4,698 4,340 4,944 4,148 1,040 1,346 615 Sources of income and personal taxes: a/ Money income before taxes.................. 51,830 31,895 60,555 55,730 64,598 58,191 36,001 39,513 31,074 Wages and salaries....................... 38,390 29,601 56,659 49,954 56,981 42,704 9,179 12,943 3,900 Self-employment income................... 2,506 381 2,449 2,744 3,044 3,649 1,626 2,019 1,074 Social Security, private and government retirement................... 8,671 253 468 1,215 2,460 8,949 22,324 22,043 22,718 Interest, dividends, rental income, other property income................... 1,312 81 163 478 1,069 2,058 2,148 1,970 2,399 Unemployment and workers'' compensation, veterans'' benefits..................... 212 100 145 303 284 343 75 110 24 Public assistance, supplemental security, income, food stamps..................... 328 365 167 453 373 345 292 280 307 Regular contributions for support........ 276 728 227 454 299 91 241 50 e/ 508 Other income............................. 136 387 277 128 89 53 116 97 e/ 144 Personal taxes............................. 3,165 912 3,854 3,341 4,911 3,709 1,559 2,035 890 Federal income taxes..................... 2,392 660 3,057 2,449 3,759 2,751 1,157 1,516 653 State and local income taxes............. 601 228 732 769 971 682 208 289 94 Other taxes.............................. 172 24 64 124 181 276 194 231 143 Income after taxes......................... 48,666 30,983 56,701 52,388 59,688 54,482 34,442 37,478 30,184 Net change in total assets and liabilities... -3,590 1,431 -5,061 -6,658 -6,073 -2,940 -1,106 -1,831 -100 Net change in total assets............... 5,695 6,753 14,094 7,229 7,285 3,096 1,609 1,678 1,514 Net change in total liabilities.......... 9,285 5,322 19,155 13,888 13,358 6,036 2,716 3,510 1,614 Other financial information: Other money receipts..................... 654 64 196 133 866 1,364 536 244 941 Mortgage principal paid on owned property................................ -1,336 -134 -886 -1,370 -1,994 -1,966 -799 -1,081 -408 Estimated market value of owned home..... 114,662 17,513 73,425 94,537 123,183 145,476 133,725 142,293 121,835 Estimated monthly rental value of owned home.................................... 771 163 552 652 843 949 867 899 821 Gifts of goods and services................. 1,225 503 710 928 1,712 1,795 955 1,092 760 Food..................................... 99 21 31 93 183 163 39 38 40 Alcoholic beverages...................... 15 8 24 23 17 11 8 10 5 Housing.................................. 302 193 199 236 389 428 245 281 193 Housekeeping supplies.................. 56 45 48 45 60 75 48 52 41 Household textiles..................... 20 e/ 4 18 9 18 40 17 20 13 Appliances and miscellaneous housewares........................... 37 e/ 28 21 29 39 65 28 29 25 Major appliances..................... 12 c/ e/ 8 5 12 29 6 6 5 Small appliances and miscellaneous housewares......................... 25 e/ 28 13 25 27 37 22 23 20 Miscellaneous household equipment...... 74 44 47 76 76 112 63 75 44 Other housing.......................... 115 73 66 77 196 135 90 105 69 Apparel and services..................... 281 147 239 214 295 442 226 281 146 Males, 2 and over...................... 75 58 49 62 82 86 83 106 50 Females, 2 and over.................... 115 23 95 82 106 222 83 97 63 Children under 2....................... 40 27 57 26 49 55 23 30 12 Other apparel products and services.... 51 39 38 45 57 79 37 47 21 Jewelry and watches.................. 18 10 12 18 22 33 9 11 6 All other apparel products and services............................ 33 e/ 29 25 27 36 47 28 36 e/ 15 Transportation........................... 52 7 46 25 41 83 61 31 104 Health care.............................. 44 e/ 4 e/ 7 59 45 80 32 46 e/ 13 Entertainment............................ 96 29 71 66 137 139 73 84 57 Toys, games, hobbies, and tricycles.... 44 15 35 28 57 70 34 46 17 Other entertainment.................... 52 14 36 38 81 70 39 38 40 Personal care products and services...... 24 20 14 32 31 24 21 28 11 Reading.................................. 2 c/ c/ 1 2 3 3 3 4 Education................................ 201 e/ 43 24 99 433 301 116 125 102 All other gifts.......................... 108 29 54 81 138 121 130 163 84 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.