Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Total Under 25-34 35-44 45-54 55-64 65 years Item three 25 years years years years and older persons years Number of consumer units (in thousands)........... 17,753 932 3,887 4,663 4,693 2,154 1,423 Consumer unit characteristics: Income before taxes a/ .......................... $65,202 $34,121 $55,899 $63,446 $76,532 $82,743 $53,047 Income after taxes a/ ........................... 62,791 34,135 54,460 60,957 72,725 80,180 51,477 Age of reference person.......................... 44.0 21.9 29.6 39.6 49.2 58.3 72.5 Average number in consumer unit: Persons......................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18............................... .8 .9 1.1 1.1 .6 .3 .2 Persons 65 and over............................. .2 b/ b/ b/ .1 .2 1.5 Earners......................................... 1.8 1.7 1.6 1.7 2.0 2.0 1.2 Vehicles........................................ 2.3 1.7 1.9 2.2 2.8 2.8 2.2 Percent distribution: Sex of reference person: Male............................................ 47 35 43 43 49 58 57 Female.......................................... 53 65 57 57 51 42 43 Housing tenure: Homeowner....................................... 70 30 55 67 81 89 88 With mortgage.................................. 52 19 49 57 61 56 34 Without mortgage............................... 18 10 6 10 20 33 55 Renter.......................................... 30 70 45 33 19 11 12 Race of reference person: Black or African-American....................... 14 15 16 17 11 13 14 White, Asian, and All Other Races............... 86 85 84 83 89 87 86 Education of reference person: Elementary (1-8)................................ 4 4 2 3 4 5 15 High school (9-12).............................. 38 50 33 40 34 41 41 College......................................... 58 46 64 57 62 54 43 Never attended and other........................ c/ d/ d/ c/ c/ c/ 1 At least one vehicle owned or leased............. 92 87 90 91 95 94 94 Average annual expenditures....................... $49,543 $30,468 $44,474 $49,733 $57,109 $56,465 $40,695 Food............................................. 6,556 4,907 5,770 6,354 7,543 7,624 6,163 Food at home.................................... 3,837 2,958 3,405 3,737 4,247 4,482 4,011 Cereals and bakery products.................... 533 414 473 529 593 604 531 Cereals and cereal products................... 182 161 173 182 191 204 170 Bakery products............................... 350 253 300 347 402 401 361 Meats, poultry, fish, and eggs................. 1,037 808 871 994 1,184 1,222 1,150 Beef.......................................... 317 258 247 298 390 365 341 Pork.......................................... 216 163 157 220 255 249 256 Other meats................................... 120 68 96 120 134 164 131 Poultry....................................... 184 186 173 167 208 202 170 Fish and seafood.............................. 154 91 157 143 154 185 196 Eggs.......................................... 46 41 41 46 44 57 57 Dairy products................................. 413 319 359 411 452 483 440 Fresh milk and cream.......................... 161 132 152 163 167 178 163 Other dairy products.......................... 252 188 207 247 285 305 277 Fruits and vegetables.......................... 626 477 538 593 698 767 705 Fresh fruits.................................. 198 123 171 183 229 251 214 Fresh vegetables.............................. 204 171 172 187 224 266 236 Processed fruits.............................. 126 105 114 126 136 141 130 Processed vegetables.......................... 98 78 81 97 109 109 125 Other food at home............................. 1,229 940 1,164 1,210 1,319 1,407 1,185 Sugar and other sweets........................ 144 85 118 156 158 167 150 Fats and oils................................. 101 73 80 101 114 113 123 Miscellaneous foods........................... 609 505 653 577 629 646 566 Nonalcoholic beverages........................ 338 265 285 345 370 415 319 Food prepared by consumer unit on out-of-town trips............................ 38 12 28 32 49 65 27 Food away from home............................. 2,719 1,949 2,365 2,617 3,296 3,141 2,152 Alcoholic beverages.............................. 444 649 429 396 518 434 196 Housing.......................................... 15,889 10,530 15,996 16,586 16,911 16,867 12,173 Shelter......................................... 8,993 6,061 9,366 9,643 9,454 9,117 6,057 Owned dwellings................................ 6,241 1,663 5,883 6,562 7,150 7,189 4,740 Mortgage interest and charges................. 3,722 1,040 4,043 4,228 4,069 3,591 1,996 Property taxes................................ 1,511 380 1,118 1,393 1,850 2,121 1,670 Maintenance, repairs, insurance, other expenses..................................... 1,009 243 722 941 1,231 1,476 1,074 Rented dwellings............................... 2,221 4,321 3,269 2,628 1,493 1,016 869 Other lodging.................................. 531 78 215 452 811 912 448 Utilities, fuels, and public services........... 3,395 2,232 2,906 3,338 3,806 3,989 3,424 Natural gas.................................... 473 207 422 430 536 583 555 Electricity.................................... 1,236 845 1,025 1,227 1,384 1,457 1,273 Fuel oil and other fuels....................... 129 55 74 121 156 175 191 Telephone services............................. 1,184 933 1,089 1,198 1,318 1,297 952 Water and other public services................ 373 192 296 362 411 477 453 Household operations............................ 1,003 723 1,402 1,159 713 908 680 Personal services.............................. 514 600 1,062 696 145 125 e/ 168 Other household expenses....................... 488 123 340 462 567 783 512 Housekeeping supplies........................... 675 371 539 664 835 727 819 Laundry and cleaning supplies.................. 172 120 158 153 211 173 195 Other household products....................... 339 159 268 342 410 363 451 Postage and stationery......................... 164 93 112 168 214 191 172 Household furnishings and equipment............. 1,823 1,143 1,782 1,783 2,103 2,126 1,194 Household textiles............................. 137 105 96 174 152 135 112 Furniture...................................... 481 412 561 466 473 574 246 Floor coverings................................ 62 e/ 10 50 69 74 77 38 Major appliances............................... 241 109 282 222 221 301 250 Small appliances, miscellaneous housewares.................................... 119 75 97 99 169 146 83 Miscellaneous household equipment.............. 783 433 696 753 1,013 892 464 Apparel and services............................. 2,093 1,850 2,100 2,154 2,350 2,009 1,288 Men and boys.................................... 469 276 453 508 577 412 278 Men, 16 and over............................... 365 219 324 356 490 350 250 Boys, 2 to 15.................................. 104 58 129 152 87 62 27 Women and girls................................. 835 716 759 854 1,011 765 606 Women, 16 and over............................. 707 680 636 637 892 708 551 Girls, 2 to 15................................. 129 36 124 218 120 56 54 Children under 2................................ 145 367 310 107 55 51 34 Footwear........................................ 361 338 313 407 387 410 197 Other apparel products and services............. 282 152 265 279 320 371 174 Transportation................................... 9,677 5,813 8,709 9,766 11,100 11,211 7,556 Vehicle purchases (net outlay).................. 4,470 2,239 4,145 4,861 4,945 5,176 2,901 Cars and trucks, new........................... 2,172 e/ 608 1,715 2,326 2,531 2,995 1,504 Cars and trucks, used.......................... 2,231 1,534 2,377 2,492 2,295 2,167 1,317 Other vehicles................................. 67 e/ 97 e/ 52 e/ 43 119 e/ 14 e/ 79 Gasoline and motor oil.......................... 1,807 1,440 1,670 1,748 2,043 2,037 1,487 Other vehicle expenses.......................... 2,943 1,930 2,630 2,698 3,543 3,298 2,754 Vehicle finance charges........................ 470 337 532 472 502 450 309 Maintenance and repairs........................ 761 429 566 701 1,002 837 814 Vehicle insurance.............................. 1,174 905 975 1,058 1,430 1,336 1,181 Vehicle rental, leases, licenses, other charges....................................... 538 260 557 467 610 675 450 Public transportation........................... 457 204 264 457 568 700 414 Health care...................................... 2,699 1,016 1,702 2,518 2,987 3,850 4,469 Health insurance................................ 1,401 511 977 1,297 1,507 1,847 2,461 Medical services................................ 723 342 409 767 810 1,088 849 Drugs........................................... 461 138 247 362 505 755 1,023 Medical supplies................................ 114 25 69 92 165 160 136 Entertainment.................................... 2,341 1,248 2,023 2,506 2,681 2,712 1,752 Fees and admissions............................. 573 167 340 599 690 968 402 Television, radios, sound equipment............. 916 701 868 917 1,017 983 745 Pets, toys, hobbies, and playground equipment... 446 254 426 481 500 509 291 Other entertainment supplies, equipment, and services................................... 406 126 389 509 473 253 315 Personal care products and services.............. 626 406 546 605 735 708 613 Reading.......................................... 130 33 93 115 153 186 180 Education........................................ 979 491 533 660 1,842 1,177 429 Tobacco products and smoking supplies............ 362 441 308 350 399 420 288 Miscellaneous.................................... 711 299 523 768 829 830 747 Cash contributions............................... 1,286 286 895 1,164 1,723 1,494 1,657 Personal insurance and pensions.................. 5,751 2,497 4,847 5,791 7,339 6,943 3,183 Life and other personal insurance............... 484 59 235 374 680 886 544 Pensions and Social Security.................... 5,268 2,438 4,612 5,417 6,659 6,057 2,639 Sources of income and personal taxes: a/ Money income before taxes........................ 65,202 34,121 55,899 63,446 76,532 82,743 53,047 Wages and salaries.............................. 56,036 30,834 52,394 55,949 67,451 68,263 27,200 Self-employment income.......................... 3,172 e/ 1,054 1,599 3,991 4,233 3,789 1,743 Social Security, private and government retirement..................................... 3,658 e/ 440 377 939 2,478 7,606 21,241 Interest, dividends, rental income, other property income................................ 916 42 202 764 1,026 1,779 2,231 Unemployment and workers' compensation, veterans' benefits............................. 335 226 261 416 361 433 e/ 115 Public assistance, supplemental security income, food stamps............................ 375 625 385 397 298 370 374 Regular contributions for support............... 547 599 499 869 497 302 e/ 125 Other income.................................... 163 302 181 121 188 201 e/ 19 Personal taxes................................... 2,411 -14 1,439 2,489 3,807 2,564 1,570 Federal income taxes............................ 1,662 -129 858 1,666 2,766 1,806 1,160 State and local income taxes.................... 562 102 477 628 820 465 181 Other taxes..................................... 187 14 104 195 222 293 228 Income after taxes............................... 62,791 34,135 54,460 60,957 72,725 80,180 51,477 Addenda: Net change in total assets and liabilities....... -11,312 10,025 -18,323 -10,707 -15,282 -4,296 -5,641 Net change in total assets...................... 12,070 19,145 13,939 14,576 9,344 11,198 4,422 Net change in total liabilities................. 23,381 9,121 32,262 25,283 24,627 15,494 10,063 Other financial information: Other money receipts............................ 830 e/ 44 171 785 527 3,391 412 Mortgage principal paid on owned property....... -2,047 -331 -1,346 -1,956 -2,956 -2,801 -1,250 Estimated market value of owned home............ 139,670 32,962 103,441 130,154 164,734 197,333 169,761 Estimated monthly rental value of owned home.... 840 247 634 804 987 1,099 1,031 Gifts of goods and services...................... 1,321 368 693 1,011 2,339 1,607 956 Food............................................ 104 e/ 34 40 67 191 185 49 Alcoholic beverages............................. 19 e/ 13 22 16 32 e/ 8 e/ 2 Housing......................................... 298 88 200 254 454 381 243 Housekeeping supplies.......................... 68 19 41 81 94 74 59 Household textiles............................. 20 e/ 8 9 18 22 35 e/ 42 Appliances and miscellaneous housewares.................................... 27 e/ 9 27 22 36 34 e/ 19 Major appliances.............................. 5 d/ 3 4 7 e/ 5 e/ 3 Small appliances and miscellaneous housewares................................... 23 e/ 9 24 18 29 29 e/ 16 Miscellaneous household equipment.............. 72 21 77 81 80 75 36 Other housing.................................. 111 e/ 31 46 52 223 163 87 Apparel and services............................ 251 130 249 261 254 300 238 Males, 2 and over.............................. 63 17 49 65 71 95 58 Females, 2 and over............................ 79 46 64 80 80 95 127 Children under 2............................... 58 63 82 61 45 44 34 Other apparel products and services............ 51 e/ 4 55 54 59 67 e/ 19 Jewelry and watches........................... 15 e/ 4 11 12 14 42 e/ 13 All other apparel products and services....... 36 d/ 44 42 45 e/ 25 e/ 6 Transportation.................................. 65 8 12 46 132 64 101 Health care..................................... 47 e/ 11 e/ 9 60 53 86 e/ 62 Entertainment................................... 77 e/ 37 49 64 102 113 81 Toys, games, arts and crafts, and tricycles.... 28 e/ 4 23 21 34 49 31 Other entertainment............................ 48 33 26 43 68 63 49 Personal care products and services............. 27 e/ 5 18 31 29 52 22 Reading......................................... 1 d/ c/ 1 c/ 2 e/ 1 Education....................................... 351 e/ 1 40 165 980 283 72 All other gifts................................. 79 42 53 46 112 132 84 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. 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.