Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Total Under 65 and Item four 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 15,643 534 3,843 6,223 3,577 974 492 Income before taxes a/ ...................... $68,960 $29,957 $51,947 $72,952 $88,468 $71,980 $49,373 Income after taxes a/ ....................... 65,967 29,642 50,704 69,608 83,481 69,410 47,489 Age of the reference person.................. 40.9 21.8 30.2 39.7 48.6 58.2 71.6 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 1.6 2.0 1.8 1.2 .8 .7 Persons 65 and over......................... .1 b/ b/ b/ b/ .1 1.4 Earners..................................... 2.0 1.8 1.6 1.9 2.4 2.2 1.7 Vehicles.................................... 2.5 1.7 2.1 2.5 3.1 2.9 2.3 Percent distribution: Male........................................ 52 42 45 50 62 68 46 Female...................................... 48 58 55 50 38 32 54 Homeowner................................... 75 28 61 80 85 83 85 With mortgage.............................. 62 20 53 69 69 57 41 Without mortgage........................... 13 8 8 11 16 26 44 Renter...................................... 25 72 39 20 15 17 15 Black or African American................... 13 18 14 12 9 18 24 White, Asian, and All Other Races........... 87 82 86 88 91 82 76 Elementary (1-8)............................ 4 7 3 4 4 9 22 High school (9-12).......................... 36 63 40 34 29 33 46 College..................................... 60 29 57 62 67 58 28 Never attended and other.................... c/ 1 c/ c/ c/ d/ 3 At least one vehicle owned or leased........ 94 86 92 95 95 94 86 Average annual expenditures.................. $54,610 $31,848 $45,002 $56,826 $64,966 $59,126 $42,303 Food........................................ 7,458 5,078 6,274 7,620 8,858 7,823 6,766 Food at home............................. 4,451 3,392 3,957 4,469 5,087 4,661 4,503 Cereals and bakery products............ 652 462 582 675 731 606 690 Cereals and cereal products.......... 228 187 213 232 252 200 196 Bakery products...................... 425 275 369 443 479 406 493 Meats, poultry, fish, and eggs......... 1,180 987 1,039 1,153 1,386 1,259 1,241 Beef................................. 354 286 330 333 427 378 315 Pork................................. 248 232 209 254 273 275 297 Other meats.......................... 150 102 127 155 167 184 168 Poultry.............................. 214 184 199 209 242 217 221 Fish and seafood..................... 166 132 130 157 227 158 187 Eggs................................. 47 52 44 46 50 48 54 Dairy products......................... 474 335 430 487 521 473 508 Fresh milk and cream................. 188 149 179 193 199 182 189 Other dairy products................. 285 186 250 294 322 291 319 Fruits and vegetables.................. 747 584 651 735 901 769 687 Fresh fruits......................... 239 168 198 238 304 232 182 Fresh vegetables..................... 235 202 193 227 294 269 234 Processed fruits..................... 158 127 148 156 180 163 142 Processed vegetables................. 115 87 113 114 123 105 129 Other food at home..................... 1,398 1,024 1,254 1,419 1,548 1,553 1,377 Sugar and other sweets............... 168 87 136 180 186 187 259 Fats and oils........................ 116 103 101 114 140 118 101 Miscellaneous foods.................. 691 553 660 700 729 722 679 Nonalcoholic beverages............... 369 267 319 373 420 451 312 Food prepared by consumer unit on out-of-town trips................... 53 e/ 14 38 52 73 76 e/ 26 Food away from home.................... 3,007 1,685 2,317 3,151 3,771 3,162 2,263 Alcoholic beverages......................... 412 354 303 368 659 253 319 Housing..................................... 17,975 11,273 15,829 19,118 19,954 18,249 12,595 Shelter.................................. 10,458 6,347 9,234 11,179 11,694 10,706 5,896 Owned dwellings........................ 8,052 1,566 6,247 9,114 9,553 8,204 4,531 Mortgage interest and charges........ 5,172 964 4,362 6,041 5,833 4,265 2,083 Property taxes....................... 1,692 406 1,071 1,865 2,207 2,000 1,402 Maintenance, repairs, insurance,other expenses............................ 1,187 196 814 1,209 1,513 1,939 1,045 Rented dwellings....................... 1,888 4,687 2,749 1,599 1,201 1,790 978 Other lodging.......................... 518 e/ 94 237 466 940 713 387 Utilities, fuels, and public services.... 3,515 2,507 2,949 3,558 4,004 4,075 3,838 Natural gas............................ 465 258 368 474 543 507 676 Electricity............................ 1,275 992 1,079 1,304 1,406 1,465 1,412 Fuel oil and other fuels............... 121 e/ 32 90 120 161 148 140 Telephone services..................... 1,223 970 1,068 1,205 1,399 1,478 1,159 Water and other public services........ 431 256 344 455 496 477 451 Household operations..................... 1,302 565 1,343 1,543 1,141 915 652 Personal services...................... 803 428 1,074 1,026 408 302 e/ 138 Other household expenses............... 499 138 269 517 733 614 514 Housekeeping supplies.................... 680 422 557 719 796 636 792 Laundry and cleaning supplies.......... 178 196 175 173 180 195 180 Other household products............... 355 184 273 385 429 330 390 Postage and stationery................. 147 42 108 161 187 110 221 Household furnishings and equipment...... 2,019 1,432 1,746 2,119 2,318 1,917 1,417 Household textiles..................... 148 42 141 142 182 165 112 Furniture.............................. 577 292 537 682 540 488 325 Floor coverings........................ 59 e/ 22 31 57 105 38 e/ 38 Major appliances....................... 243 138 175 270 259 284 369 Small appliances, miscellaneous housewares............................ 92 51 69 94 110 124 104 Miscellaneous household equipment...... 900 888 793 873 1,122 818 467 Apparel and services........................ 2,440 1,701 2,234 2,483 2,909 2,022 1,575 Men and boys............................. 628 426 516 697 755 408 305 Men, 16 and over....................... 408 288 302 420 557 337 215 Boys, 2 to 15.......................... 221 139 214 277 197 71 90 Women and girls.......................... 929 491 781 906 1,215 921 843 Women, 16 and over..................... 658 356 512 571 987 751 700 Girls, 2 to 15......................... 271 135 269 336 228 170 144 Children under 2......................... 158 293 299 132 53 88 63 Footwear................................. 453 296 418 460 560 327 e/ 196 Other apparel products and services...... 272 195 219 287 326 279 168 Transportation.............................. 10,574 6,467 9,205 10,811 12,217 12,112 7,716 Vehicle purchases (net outlay)........... 5,055 3,182 4,656 5,248 5,577 5,595 2,885 Cars and trucks, new................... 2,507 e/ 503 1,957 2,906 2,618 3,530 e/ 1,114 Cars and trucks, used.................. 2,453 2,679 2,602 2,248 2,818 2,066 1,763 Other vehicles......................... 94 d/ e/ 97 95 e/ 141 d/ e/ 8 Gasoline and motor oil................... 1,785 1,388 1,511 1,794 2,099 2,052 1,446 Other vehicle expenses................... 3,270 1,718 2,724 3,330 3,884 3,775 2,974 Vehicle finance charges................ 569 279 569 563 645 542 462 Maintenance and repairs................ 857 416 650 928 986 1,128 577 Vehicle insurance...................... 1,206 703 963 1,172 1,519 1,507 1,228 Vehicle rental, leases, licenses, other charges.............................. 637 320 542 668 734 598 707 Public transportation.................... 464 180 313 439 658 690 412 Health care................................. 2,526 1,038 1,921 2,549 2,869 3,726 3,703 Health insurance......................... 1,320 544 1,096 1,351 1,408 1,800 1,936 Medical services......................... 717 250 523 743 852 1,053 790 Drugs.................................... 377 147 236 335 474 739 854 Medical supplies......................... 111 97 66 121 136 135 122 Entertainment............................... 2,875 1,183 2,235 3,328 3,314 2,378 1,805 Fees and admissions...................... 795 181 441 976 1,014 759 424 Television, radios, sound equipment...... 930 540 832 966 1,059 926 722 Pets, toys, and playground equipment..... 517 353 451 574 557 431 394 Other entertainment supplies, equipment,and services.................. 633 109 512 812 684 261 264 Personal care products and services......... 688 435 542 714 825 764 667 Reading..................................... 143 48 91 149 190 197 124 Education................................... 1,289 582 476 953 2,840 1,790 397 Tobacco products and smoking supplies....... 340 445 323 320 364 373 382 Miscellaneous............................... 864 368 660 760 1,190 1,350 994 Cash contributions.......................... 1,256 874 748 1,243 1,532 2,077 2,181 Personal insurance and pensions............. 5,769 2,002 4,163 6,411 7,243 6,012 3,080 Life and other personal insurance........ 509 86 307 506 715 690 735 Pensions and Social Security............. 5,260 1,916 3,856 5,906 6,529 5,322 2,346 Sources of income and personal taxes: a/ Money income before taxes.................. 68,960 29,957 51,947 72,952 88,468 71,980 49,373 Wages and salaries....................... 61,996 27,827 48,626 66,918 79,549 56,674 27,012 Self-employment income................... 3,591 d/ 1,542 4,050 5,461 4,685 2,313 Social Security, private and government retirement................... 1,652 e/ 353 361 521 1,439 7,413 17,731 Interest, dividends, rental income, other property income................... 617 e/ 74 373 517 874 1,599 651 Unemployment and workers'' compensation, veterans'' benefits..................... 299 e/ 82 282 279 339 294 e/ 636 Public assistance, supplemental security, income, food stamps..................... 353 886 379 235 283 934 464 Regular contributions for support........ 357 471 299 349 424 262 e/ 504 Other income............................. 94 e/ 263 84 83 97 e/ 119 e/ 62 Personal taxes............................. 2,993 314 1,243 3,344 4,987 2,569 1,884 Federal income taxes..................... 2,097 113 702 2,401 3,570 1,830 1,413 State and local income taxes............. 723 166 457 764 1,143 525 314 Other taxes.............................. 173 e/ 35 84 179 273 214 157 Income after taxes......................... 65,967 29,642 50,704 69,608 83,481 69,410 47,489 Net change in total assets and liabilities... -21,993 -5,380 -30,006 -19,661 -24,384 -15,092 -3,213 Net change in total assets............... 6,877 3,228 12,659 4,296 6,885 5,474 1,047 Net change in total liabilities.......... 28,870 8,608 42,665 23,956 31,268 20,567 4,260 Other financial information: Other money receipts..................... 264 e/ 183 167 171 491 160 838 Mortgage principal paid on owned property................................ -2,324 -490 -1,233 -2,714 -3,212 -2,544 -1,016 Estimated market value of owned home..... 148,688 28,924 98,258 156,044 195,365 195,292 147,948 Estimated monthly rental value of owned home.................................... 947 243 665 1,030 1,203 1,018 863 Gifts of goods and services................. 952 315 568 818 1,629 1,329 720 Food..................................... 62 e/ 7 23 46 124 108 e/ 98 Alcoholic beverages...................... 18 e/ 14 18 14 25 e/ 17 e/ 4 Housing.................................. 251 61 215 240 352 212 262 Housekeeping supplies.................. 51 e/ 12 45 52 49 58 e/ 183 Household textiles..................... 14 c/ 8 15 21 e/ 22 e/ 11 Appliances and miscellaneous housewares........................... 22 e/ 1 20 25 25 e/ 13 e/ 24 Major appliances..................... 9 d/ e/ 4 14 13 e/ 1 e/ 1 Small appliances and miscellaneous housewares......................... 13 e/ 1 16 11 12 e/ 13 e/ 23 Miscellaneous household equipment...... 58 e/ 12 39 43 118 40 e/ 35 Other housing.......................... 106 e/ 35 103 106 140 80 e/ 8 Apparel and services..................... 224 153 187 222 289 201 176 Males, 2 and over...................... 59 e/ 32 32 58 95 63 47 Females, 2 and over.................... 66 e/ 34 52 65 89 62 53 Children under 2....................... 59 75 75 64 37 31 56 Other apparel products and services.... 39 e/ 12 28 34 67 e/ 45 e/ 20 Jewelry and watches.................. 15 e/ 1 14 8 32 e/ 7 e/ 5 All other apparel products and services............................ 25 e/ 11 e/ 14 26 35 e/ 38 e/ 15 Transportation........................... 65 e/ 2 13 38 106 345 13 Health care.............................. 16 d/ e/ 4 15 21 e/ 32 e/ 54 Entertainment............................ 67 e/ 32 47 78 80 65 e/ 24 Toys, games, hobbies, and tricycles.... 20 e/ 10 11 26 19 43 e/ 8 Other entertainment.................... 47 e/ 22 36 53 61 23 e/ 16 Personal care products and services...... 15 e/ 1 5 17 27 e/ 10 e/ 4 Reading.................................. 1 d/ 0 c/ 1 e/ 1 e/ 1 Education................................ 189 e/ 34 34 105 534 235 e/ 33 All other gifts.......................... 46 e/ 12 20 41 71 102 52 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.