Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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)...... 33,555 1,938 4,225 4,555 6,532 6,731 9,574 5,766 3,808 Income before taxes a/ ...................... $47,455 $26,803 $50,833 $52,253 $63,264 $56,024 $32,218 $34,776 $28,293 Income after taxes a/ ....................... 43,842 25,206 46,693 47,671 57,540 51,712 30,680 32,914 27,253 Age of the reference person.................. 52.9 21.7 29.2 39.5 49.8 59.4 73.5 69.2 80.0 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 .2 .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 1.6 1.6 1.3 .5 .6 .3 Vehicles.................................... 2.1 1.5 1.8 2.0 2.5 2.4 2.0 2.2 1.6 Percent distribution: Male........................................ 60 42 57 53 57 64 69 69 69 Female...................................... 40 58 43 47 43 36 31 31 31 Homeowner................................... 73 16 43 63 81 87 88 89 87 With mortgage.............................. 37 10 36 48 56 41 20 26 12 Without mortgage........................... 37 6 7 15 25 46 68 63 75 Renter...................................... 27 84 57 37 19 13 12 11 13 Black....................................... 9 15 15 11 10 8 6 7 5 White and other............................. 91 85 85 89 90 92 94 93 95 Elementary (1-8)............................ 6 2 2 2 3 6 13 10 16 High school (9-12).......................... 40 40 30 40 36 44 45 46 45 College..................................... 54 58 68 58 61 50 42 44 37 Never attended and other.................... c/ d/ c/ c/ c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 92 81 90 92 95 95 92 93 90 Average annual expenditures.................. $38,815 $28,140 $40,185 $40,294 $45,457 $42,395 $32,660 $35,163 $28,839 Food........................................ 5,095 3,735 5,506 5,188 5,601 5,454 4,568 4,811 4,185 Food at home............................. 2,868 1,972 2,693 2,796 3,104 3,095 2,891 2,991 2,732 Cereals and bakery products............ 422 285 388 403 456 450 439 446 428 Cereals and cereal products.......... 140 109 142 143 149 136 140 143 137 Bakery products...................... 282 175 245 261 307 314 299 304 291 Meats, poultry, fish, and eggs......... 758 524 712 749 853 805 747 795 670 Beef................................. 223 187 202 224 254 245 206 225 175 Pork................................. 165 95 143 148 189 176 176 191 153 Other meats.......................... 93 63 86 92 102 99 94 98 86 Poultry.............................. 133 98 148 133 149 135 122 127 113 Fish and seafood..................... 111 58 106 118 126 108 116 120 111 Eggs................................. 33 23 27 33 33 41 34 34 32 Dairy products......................... 306 211 287 304 320 318 324 339 299 Fresh milk and cream................. 109 85 96 104 108 113 121 121 119 Other dairy products................. 198 125 192 199 212 204 203 218 180 Fruits and vegetables.................. 515 300 456 454 524 569 584 580 589 Fresh fruits......................... 160 82 125 132 157 178 199 185 220 Fresh vegetables..................... 159 77 148 142 165 184 171 176 162 Processed fruits..................... 113 91 109 101 111 113 127 129 124 Processed vegetables................. 84 51 74 80 91 93 88 90 84 Other food at home..................... 866 651 850 886 951 953 797 830 745 Sugar and other sweets............... 110 72 90 104 113 127 119 122 114 Fats and oils........................ 87 59 78 79 97 92 91 94 87 Miscellaneous foods.................. 388 319 417 398 421 413 346 363 318 Nonalcoholic beverages............... 236 182 231 267 270 257 198 198 198 Food prepared by consumer unit on out-of-town trips................... 46 20 33 39 52 64 43 54 27 Food away from home.................... 2,227 1,764 2,813 2,392 2,498 2,360 1,677 1,819 1,454 Alcoholic beverages......................... 404 340 602 525 402 411 256 291 201 Housing..................................... 12,132 8,762 13,668 12,957 14,010 13,045 9,849 10,535 8,805 Shelter.................................. 6,944 5,532 8,791 8,152 8,320 6,784 5,013 5,431 4,380 Owned dwellings........................ 4,572 856 4,282 5,270 6,239 5,118 3,597 3,987 3,007 Mortgage interest and charges........ 2,310 480 2,881 3,327 3,618 2,370 1,009 1,311 552 Property taxes....................... 1,243 192 824 1,104 1,488 1,515 1,347 1,436 1,213 Maintenance, repairs, insurance,other expenses............................ 1,019 184 576 840 1,133 1,233 1,241 1,239 1,242 Rented dwellings....................... 1,755 4,456 4,182 2,423 1,305 824 781 676 940 Other lodging.......................... 617 221 328 459 776 842 634 768 433 Utilities, fuels, and public services.... 2,488 1,569 2,209 2,432 2,750 2,781 2,439 2,572 2,237 Natural gas............................ 284 124 224 260 300 326 316 313 319 Electricity............................ 943 572 735 877 1,053 1,088 964 1,015 887 Fuel oil and other fuels............... 104 29 53 97 109 106 142 155 122 Telephone services..................... 856 747 998 933 959 908 671 730 582 Water and other public services........ 301 97 200 264 329 354 346 359 326 Household operations..................... 495 265 434 406 492 517 601 521 725 Personal services...................... 105 178 196 122 43 60 115 115 117 Other household expenses............... 391 87 239 284 449 457 485 407 609 Housekeeping supplies.................... 529 226 520 439 536 675 542 593 461 Laundry and cleaning supplies.......... 124 71 112 110 134 149 125 129 118 Other household products............... 255 102 256 212 260 344 247 280 195 Postage and stationery................. 149 54 151 117 142 181 170 183 148 Household furnishings and equipment...... 1,677 1,169 1,713 1,529 1,912 2,288 1,254 1,417 1,002 Household textiles..................... 118 41 95 100 164 137 111 127 86 Furniture.............................. 390 371 543 367 453 452 251 304 171 Floor coverings........................ 55 13 46 28 47 104 51 56 43 Major appliances....................... 200 151 200 158 216 220 203 206 198 Small appliances, miscellaneous housewares............................ 117 55 101 109 143 167 89 96 79 Miscellaneous household equipment...... 798 537 728 767 888 1,209 549 628 426 Apparel and services........................ 1,680 1,424 2,024 1,717 2,077 1,847 1,176 1,359 889 Men and boys............................. 411 253 508 388 515 457 310 381 200 Men, 16 and over....................... 378 239 475 325 486 422 289 351 191 Boys, 2 to 15.......................... 33 15 34 63 29 35 22 30 9 Women and girls.......................... 674 508 772 701 840 743 493 542 414 Women, 16 and over..................... 628 477 717 620 772 706 470 518 395 Girls, 2 to 15......................... 47 31 55 81 68 37 23 24 20 Children under 2......................... 41 63 46 43 42 54 24 30 13 Footwear................................. 279 284 332 288 350 308 178 202 141 Other apparel products and services...... 274 315 365 297 329 286 170 203 120 Transportation.............................. 7,478 7,061 8,029 7,977 8,338 8,108 6,051 6,853 4,837 Vehicle purchases (net outlay)........... 3,462 3,904 3,578 3,737 3,621 3,817 2,831 3,184 2,297 Cars and trucks, new................... 1,886 1,222 1,778 1,683 1,892 2,320 1,856 2,017 1,612 Cars and trucks, used.................. 1,549 2,588 1,758 1,976 1,712 1,491 974 1,164 686 Other vehicles......................... 26 e/ 94 e/ 41 e/ 77 e/ 17 e/ 6 e/ 2 e/ 3 d/ Gasoline and motor oil................... 1,185 1,014 1,251 1,261 1,423 1,322 895 1,042 673 Other vehicle expenses................... 2,328 1,908 2,640 2,450 2,817 2,426 1,817 2,062 1,446 Vehicle finance charges................ 314 341 433 350 408 368 136 185 61 Maintenance and repairs................ 670 599 606 655 760 722 622 666 555 Vehicle insurance...................... 794 627 869 773 931 817 695 749 615 Vehicle rental, leases, licenses, other charges.............................. 551 340 732 672 718 519 364 462 216 Public transportation.................... 503 236 561 529 477 543 507 565 420 Health care................................. 2,535 698 1,222 1,532 2,213 2,897 3,938 3,715 4,274 Health insurance......................... 1,208 346 588 686 914 1,321 2,027 1,947 2,146 Medical services......................... 656 195 364 469 762 838 766 747 794 Drugs.................................... 537 103 182 286 424 588 949 856 1,090 Medical supplies......................... 134 54 87 90 113 149 196 165 244 Entertainment............................... 1,941 1,543 1,902 1,972 2,224 2,382 1,517 1,779 1,122 Fees and admissions...................... 524 311 540 529 567 591 483 556 373 Television, radios, sound equipment...... 577 607 653 659 657 573 449 502 368 Pets, toys, and playground equipment..... 350 270 369 441 437 401 217 261 149 Other entertainment supplies, equipment,and services.................. 489 356 340 344 563 817 368 460 232 Personal care products and services......... 572 470 622 555 600 608 529 553 491 Reading..................................... 179 70 145 150 193 217 195 211 170 Education................................... 492 1,302 680 497 851 307 127 118 141 Tobacco products and smoking supplies....... 309 312 293 458 427 311 164 193 122 Miscellaneous............................... 872 476 815 930 1,102 951 739 730 752 Cash contributions.......................... 1,509 228 449 1,414 1,632 1,522 2,189 2,387 1,889 Personal insurance and pensions............. 3,617 1,718 4,230 4,421 5,786 4,334 1,364 1,630 962 Life and other personal insurance........ 469 95 246 340 566 627 525 625 375 Pensions and Social Security............. 3,148 1,622 3,984 4,081 5,220 3,707 839 1,005 587 Sources of income and personal taxes: a/ Money income before taxes.................. 47,455 26,803 50,833 52,253 63,264 56,024 32,218 34,776 28,293 Wages and salaries....................... 33,668 22,867 48,696 46,574 54,374 38,313 7,081 9,332 3,627 Self-employment income................... 3,385 2,238 966 3,295 5,091 6,460 1,652 2,047 1,045 Social Security, private and government retirement................... 8,334 e/ 185 251 841 1,940 9,055 20,513 20,413 20,667 Interest, dividends, rental income, other property income................... 1,346 137 210 647 937 1,581 2,510 2,470 2,571 Unemployment and workers'' compensation, veterans'' benefits..................... 167 91 159 166 311 176 88 115 48 Public assistance, supplemental security, income, food stamps..................... 244 350 150 284 224 308 218 212 227 Regular contributions for support........ 187 500 211 366 208 97 80 79 e/ 81 Other income............................. 124 434 190 81 178 34 77 109 e/ 28 Personal taxes............................. 3,613 1,597 4,140 4,583 5,724 4,312 1,538 1,862 1,041 Federal income taxes..................... 2,761 1,202 3,264 3,600 4,419 3,219 1,110 1,325 779 State and local income taxes............. 647 381 803 902 1,067 783 160 203 94 Other taxes.............................. 205 14 73 81 238 310 268 334 168 Income after taxes......................... 43,842 25,206 46,693 47,671 57,540 51,712 30,680 32,914 27,253 Net change in total assets and liabilities... 1,352 -449 -1,944 -1,228 5,277 2,682 786 -597 2,880 Net change in total assets............... 7,087 2,308 13,887 7,544 12,559 6,124 1,778 405 3,857 Net change in total liabilities.......... 5,734 2,757 15,830 8,772 7,282 3,442 992 1,002 977 Other financial information: Other money receipts..................... 601 498 153 260 542 1,124 655 882 312 Mortgage principal paid on owned property................................ -1,515 -145 -745 -1,244 -2,142 -2,975 -808 -1,130 -322 Estimated market value of owned home..... 104,716 13,656 56,839 83,630 116,608 142,173 119,858 127,924 107,644 Estimated monthly rental value of owned home.................................... 682 118 423 593 768 846 779 799 749 Gifts of goods and services................. 1,366 756 832 1,176 2,206 1,716 1,007 978 1,054 Food..................................... 104 10 48 84 208 159 47 47 49 Alcoholic beverages...................... 18 8 46 17 18 16 10 9 11 Housing.................................. 359 128 242 320 521 445 310 287 347 Housekeeping supplies.................. 46 19 53 45 43 57 43 47 37 Household textiles..................... 14 e/ 5 e/ 7 11 20 15 15 22 5 Appliances and miscellaneous housewares........................... 46 e/ 7 30 34 74 66 37 41 31 Major appliances..................... 9 e/ 1 e/ 1 10 21 11 6 8 e/ 4 Small appliances and miscellaneous housewares......................... 37 e/ 5 29 24 53 55 31 33 27 Miscellaneous household equipment...... 85 34 64 76 102 112 78 91 57 Other housing.......................... 168 63 89 154 282 195 137 86 217 Apparel and services..................... 283 139 225 246 420 373 208 229 176 Males, 2 and over...................... 87 35 76 61 108 144 63 78 39 Females, 2 and over.................... 110 51 70 87 204 117 87 77 103 Children under 2....................... 37 27 36 35 42 54 23 30 13 Other apparel products and services.... 50 27 43 62 66 58 35 45 21 Jewelry and watches.................. 18 8 17 29 21 16 14 20 5 All other apparel products and services............................ 32 e/ 20 26 34 45 41 21 25 e/ 15 Transportation........................... 93 272 43 64 101 131 62 69 50 Health care.............................. 39 e/ 2 e/ 10 34 52 40 52 48 57 Entertainment............................ 126 97 98 120 128 166 115 99 142 Toys, games, hobbies, and tricycles.... 43 19 28 33 53 65 37 46 24 Other entertainment.................... 82 78 69 87 75 100 78 53 117 Personal care products and services...... 17 21 19 21 14 24 10 14 4 Reading.................................. 3 1 1 2 4 3 5 5 4 Education................................ 224 41 35 176 635 221 90 74 113 All other gifts.......................... 99 37 65 94 105 137 99 96 102 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.