Table 3650. Consumer units of five or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Total Item five or Under 25-34 35-44 45-54 55-64 65 and more 25 over persons Number of consumer units (in thousands)...... 10,842 271 2,555 4,725 2,234 644 413 Income before taxes a/ ...................... $52,363 $34,695 $39,534 $55,650 $64,468 $54,361 $42,321 Income after taxes a/ ....................... 49,457 33,630 37,847 52,392 60,312 51,615 40,702 Age of the reference person.................. 41.1 22.2 30.7 39.4 48.3 58.9 71.1 Average number in consumer unit: Persons..................................... 5.6 5.5 5.5 5.5 5.6 5.8 5.8 Children under 18........................... 2.9 2.6 3.3 3.1 2.4 1.9 1.9 Persons 65 and over......................... .1 b/ b/ .1 .1 .1 1.5 Earners..................................... 2.2 2.3 1.8 2.1 2.8 2.9 2.2 Vehicles.................................... 2.6 2.4 2.1 2.5 3.1 3.0 3.1 Percent distribution: Male........................................ 61 49 53 63 70 57 63 Female...................................... 39 51 47 37 30 43 37 Homeowner................................... 69 46 50 73 79 74 82 With mortgage.............................. 54 33 42 61 63 47 32 Without mortgage........................... 15 13 8 13 16 27 50 Renter...................................... 31 54 50 27 21 26 18 Black....................................... 17 20 17 15 17 23 25 White and other............................. 83 80 83 85 83 77 75 Elementary (1-8)............................ 9 7 7 6 10 21 19 High school (9-12).......................... 44 73 55 41 34 50 43 College..................................... 47 20 38 53 55 28 35 Never attended and other.................... c/ d/ c/ c/ 1 1 4 At least one vehicle owned or leased........ 92 93 90 93 94 86 93 Average annual expenditures.................. $46,544 $33,789 $38,565 $48,451 $54,423 $47,035 $39,346 Food........................................ 7,602 4,368 6,700 7,868 8,719 8,031 5,830 Food at home............................. 4,881 2,956 4,520 4,955 5,538 5,127 3,981 Cereals and bakery products............ 750 422 695 788 831 729 550 Cereals and cereal products.......... 299 213 299 314 316 247 220 Bakery products...................... 451 208 396 474 515 482 330 Meats, poultry, fish, and eggs......... 1,400 962 1,310 1,363 1,652 1,585 1,127 Beef................................. 445 354 406 440 531 485 310 Pork................................. 287 207 276 267 323 370 299 Other meats.......................... 174 106 170 174 183 195 151 Poultry.............................. 263 159 252 252 313 310 191 Fish and seafood..................... 171 e/ 77 146 171 238 147 118 Eggs................................. 61 59 60 58 64 77 58 Dairy products......................... 546 297 512 581 564 541 448 Fresh milk and cream................. 233 167 229 245 229 223 214 Other dairy products................. 312 130 284 336 335 318 234 Fruits and vegetables.................. 766 463 710 766 880 825 660 Fresh fruits......................... 237 122 216 236 289 237 211 Fresh vegetables..................... 227 177 215 216 261 281 190 Processed fruits..................... 168 91 139 180 186 179 153 Processed vegetables................. 134 73 140 134 144 129 106 Other food at home..................... 1,419 811 1,293 1,457 1,612 1,446 1,197 Sugar and other sweets............... 183 132 151 191 222 183 145 Fats and oils........................ 138 92 131 139 152 150 123 Miscellaneous foods.................. 650 337 636 674 694 613 555 Nonalcoholic beverages............... 382 233 317 393 457 425 317 Food prepared by consumer unit on out-of-town trips................... 65 e/ 17 57 60 87 76 e/ 56 Food away from home.................... 2,721 1,412 2,180 2,914 3,181 2,904 1,849 Alcoholic beverages......................... 252 143 211 278 246 348 106 Housing..................................... 14,667 10,575 12,596 16,005 15,653 13,327 11,492 Shelter.................................. 8,344 5,734 7,027 9,358 8,918 7,086 5,466 Owned dwellings........................ 5,885 2,189 3,920 7,078 6,706 4,848 3,992 Mortgage interest and charges........ 3,883 1,439 2,697 4,850 4,152 2,846 1,929 Property taxes....................... 1,238 349 687 1,431 1,606 1,143 1,190 Maintenance, repairs, insurance,other expenses............................ 764 401 535 798 948 859 873 Rented dwellings....................... 2,055 3,492 2,910 1,892 1,471 1,833 1,188 Other lodging.......................... 404 e/ 53 197 388 741 405 286 Utilities, fuels, and public services.... 3,173 2,316 2,764 3,151 3,560 3,573 3,803 Natural gas............................ 400 197 360 392 450 499 436 Electricity............................ 1,224 859 1,069 1,215 1,367 1,372 1,510 Fuel oil and other fuels............... 81 e/ 41 48 87 94 76 192 Telephone services..................... 1,058 970 956 1,035 1,172 1,194 1,183 Water and other public services........ 410 249 330 422 476 432 481 Household operations..................... 765 459 845 865 642 417 530 Personal services...................... 485 371 677 538 301 226 e/ 161 Other household expenses............... 280 89 169 328 340 190 369 Housekeeping supplies.................... 656 312 526 765 628 677 530 Laundry and cleaning supplies.......... 204 115 192 215 196 245 178 Other household products............... 300 149 223 365 273 294 261 Postage and stationery................. 152 e/ 49 110 185 159 138 91 Household furnishings and equipment...... 1,729 1,753 1,434 1,865 1,907 1,574 1,164 Household textiles..................... 134 e/ 35 114 150 166 77 97 Furniture.............................. 419 540 389 460 413 332 236 Floor coverings........................ 59 e/ 16 23 65 101 e/ 62 e/ 23 Major appliances....................... 205 286 178 209 212 195 234 Small appliances, miscellaneous housewares............................ 91 49 85 95 88 137 45 Miscellaneous household equipment...... 819 827 645 886 927 771 530 Apparel and services........................ 2,587 1,449 2,367 2,763 2,739 2,663 1,850 Men and boys............................. 711 308 618 788 785 617 506 Men, 16 and over....................... 444 e/ 203 335 470 571 435 394 Boys, 2 to 15.......................... 267 105 283 318 214 182 112 Women and girls.......................... 875 477 666 995 944 929 601 Women, 16 and over..................... 578 222 386 642 710 664 443 Girls, 2 to 15......................... 298 255 279 353 233 265 158 Children under 2......................... 168 e/ 268 215 140 169 143 e/ 162 Footwear................................. 538 e/ 188 594 543 513 592 e/ 405 Other apparel products and services...... 296 208 273 296 328 382 176 Transportation.............................. 9,296 9,660 7,776 8,826 11,798 10,451 8,481 Vehicle purchases (net outlay)........... 4,418 5,841 4,016 4,098 5,605 4,575 e/ 2,958 Cars and trucks, new................... 1,807 e/ 918 1,351 1,639 2,590 2,984 e/ 1,055 Cars and trucks, used.................. 2,555 4,923 2,619 2,420 2,948 1,590 1,523 Other vehicles......................... 56 d/ e/ 46 e/ 39 e/ 67 d/ e/ 379 Gasoline and motor oil................... 1,508 1,392 1,263 1,496 1,779 1,629 1,595 Other vehicle expenses................... 2,919 2,304 2,236 2,788 3,810 3,573 3,231 Vehicle finance charges................ 493 525 470 474 553 580 371 Maintenance and repairs................ 828 536 610 778 1,160 947 982 Vehicle insurance...................... 959 818 679 883 1,345 1,209 1,173 Vehicle rental, leases, licenses, other charges.............................. 639 423 477 653 752 836 705 Public transportation.................... 451 e/ 123 262 445 603 674 698 Health care................................. 1,956 1,071 1,340 1,927 2,573 2,082 3,161 Health insurance......................... 934 519 691 882 1,253 884 1,654 Medical services......................... 623 370 407 675 795 632 598 Drugs.................................... 288 161 178 256 393 425 626 Medical supplies......................... 112 e/ 21 64 114 131 141 283 Entertainment............................... 2,266 1,540 1,942 2,463 2,512 1,822 1,889 Fees and admissions...................... 541 178 314 642 668 370 613 Television, radios, sound equipment...... 760 849 679 746 858 792 755 Pets, toys, and playground equipment..... 421 213 426 455 417 346 330 Other entertainment supplies, equipment,and services.................. 543 300 524 620 569 313 190 Personal care products and services......... 513 377 412 562 576 504 356 Reading..................................... 142 93 88 154 183 133 167 Education................................... 848 436 352 893 1,536 466 558 Tobacco products and smoking supplies....... 372 299 366 346 376 583 395 Miscellaneous............................... 957 563 709 1,001 1,028 1,450 1,077 Cash contributions.......................... 1,094 996 746 1,161 1,354 793 1,606 Personal insurance and pensions............. 3,992 2,219 2,958 4,202 5,129 4,382 2,378 Life and other personal insurance........ 501 e/ 73 277 504 702 823 555 Pensions and Social Security............. 3,490 2,146 2,681 3,698 4,427 3,559 1,823 Sources of income and personal taxes: a/ Money income before taxes.................. 52,363 34,695 39,534 55,650 64,468 54,361 42,321 Wages and salaries....................... 46,263 31,165 35,508 50,307 57,882 43,442 23,442 Self-employment income................... 2,488 e/ 1,016 1,993 2,686 2,972 3,090 e/ 1,027 Social Security, private and government retirement................... 1,599 e/ 527 342 661 1,754 4,611 14,570 Interest, dividends, rental income, other property income................... 261 e/ 2 113 215 481 425 442 Unemployment and workers'' compensation, veterans'' benefits..................... 256 e/ 160 187 252 386 e/ 325 e/ 28 Public assistance, supplemental security, income, food stamps..................... 845 855 902 725 671 1,634 1,531 Regular contributions for support........ 426 e/ 729 336 551 194 e/ 205 e/ 971 Other income............................. 225 e/ 241 152 253 130 e/ 629 e/ 308 Personal taxes............................. 2,906 1,064 1,687 3,258 4,156 2,746 1,619 Federal income taxes..................... 2,118 825 1,198 2,381 3,140 1,907 826 State and local income taxes............. 644 226 418 740 809 739 295 Other taxes.............................. 145 e/ 13 71 137 207 100 498 Income after taxes......................... 49,457 33,630 37,847 52,392 60,312 51,615 40,702 Net change in total assets and liabilities... -1,136 13,605 -1,460 -1,126 -4,724 -165 8,970 Net change in total assets............... 7,297 15,994 7,034 9,196 3,479 2,996 8,846 Net change in total liabilities.......... 8,433 2,389 8,494 10,322 8,202 3,161 -124 Other financial information: Other money receipts..................... 168 e/ 44 78 153 362 e/ 102 e/ 28 Mortgage principal paid on owned property................................ -1,673 -2,511 -825 -1,956 -2,210 -1,343 -745 Estimated market value of owned home..... 97,943 37,457 53,693 111,427 119,807 106,747 125,093 Estimated monthly rental value of owned home.................................... 671 289 414 750 825 654 787 Gifts of goods and services................. 832 453 494 847 1,174 1,097 688 Food..................................... 54 e/ 5 31 45 110 66 e/ 9 Housing.................................. 222 238 195 235 224 227 170 Housekeeping supplies.................. 35 e/ 4 17 49 39 e/ 19 e/ 8 Household textiles..................... 7 d/ e/ 17 4 e/ 5 e/ 4 e/ 5 Appliances and miscellaneous housewares........................... 17 e/ 18 e/ 10 23 10 e/ 23 e/ 9 Major appliances..................... 5 e/ 14 e/ 2 7 e/ 3 e/ 9 e/ 4 Small appliances and miscellaneous housewares......................... 11 e/ 4 e/ 8 15 7 e/ 14 e/ 5 Miscellaneous household equipment...... 47 e/ 2 28 48 48 118 e/ 21 Other housing.......................... 116 214 123 110 122 63 127 Apparel and services..................... 205 e/ 81 121 203 302 309 151 Males, 2 and over...................... 54 e/ 12 21 59 79 98 e/ 7 Females, 2 and over.................... 49 e/ 27 29 52 75 39 e/ 33 Children under 2....................... 60 e/ 34 56 52 83 e/ 51 e/ 98 Other apparel products and services.... 42 e/ 8 14 39 65 e/ 121 e/ 13 Jewelry and watches.................. 11 c/ e/ 7 3 28 e/ 34 e/ 7 All other apparel products and services............................ 31 e/ 8 e/ 7 36 e/ 37 e/ 86 e/ 6 Transportation........................... 78 e/ 5 24 112 85 41 81 Health care.............................. 14 e/ 22 e/ 4 18 15 e/ 19 e/ 11 Entertainment............................ 73 e/ 42 31 79 83 137 93 Toys, games, hobbies, and tricycles.... 22 e/ 9 14 26 25 e/ 20 e/ 20 Other entertainment.................... 51 e/ 32 17 53 58 117 73 Education................................ 94 e/ 5 40 63 230 e/ 93 e/ 95 All other gifts.......................... 94 55 48 91 125 204 77 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.