Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998 All Under 65 and 75 and Item consumer 25 25-34 35-44 45-54 55-64 over 65-74 over units _______________________________________________________________________________________ Number of consumer units (in thousands)...... 107,182 8,255 19,969 24,241 20,058 12,829 21,830 11,874 9,957 Income before taxes a/ ...................... $41,622 $16,839 $41,782 $50,894 $58,705 $44,238 $24,011 $27,037 $20,229 Income after taxes a/ ....................... 38,358 15,973 38,430 46,762 53,257 40,834 22,892 25,654 19,442 Age of the reference person.................. 47.6 21.4 29.7 39.5 49.2 59.4 74.7 69.3 81.0 Average number in consumer unit: Persons..................................... 2.5 1.8 2.8 3.3 2.7 2.2 1.7 1.9 1.5 Children under 18........................... .7 .4 1.1 1.4 .6 .2 .1 .1 b/ Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.4 1.4 1.3 Earners..................................... 1.3 1.2 1.5 1.7 1.8 1.3 .4 .6 .2 Vehicles.................................... 2.0 1.1 1.8 2.2 2.5 2.3 1.5 1.8 1.2 Percent distribution: Male........................................ 58 52 58 59 63 61 51 57 45 Female...................................... 42 48 42 41 37 39 49 43 55 Homeowner................................... 64 10 43 69 77 78 80 83 76 With mortgage.............................. 39 7 37 58 57 38 15 21 9 Without mortgage........................... 26 3 6 11 20 40 65 63 67 Renter...................................... 36 90 57 31 23 22 20 17 24 Black....................................... 12 12 14 14 12 11 9 10 7 White and other............................. 88 88 86 86 88 89 91 90 93 Elementary (1-8)............................ 7 2 3 3 4 9 17 14 21 High school (9-12).......................... 39 33 36 39 32 45 46 47 45 College..................................... 54 65 62 58 63 46 36 38 33 Never attended and other.................... c/ d/ c/ c/ c/ 1 1 1 1 At least one vehicle owned or leased........ 87 67 88 91 93 90 81 87 75 Average annual expenditures.................. $35,535 $19,436 $34,779 $42,154 $45,475 $37,329 $24,721 $27,830 $20,987 Food........................................ 4,810 3,075 4,577 5,753 5,999 4,900 3,456 3,869 2,950 Food at home............................. 2,780 1,518 2,547 3,314 3,388 2,831 2,264 2,443 2,044 Cereals and bakery products............ 425 226 386 521 502 410 362 380 340 Cereals and cereal products.......... 146 83 150 187 171 121 113 118 107 Bakery products...................... 278 142 237 334 331 289 249 262 232 Meats, poultry, fish, and eggs......... 723 356 643 864 896 769 587 651 509 Beef................................. 218 118 196 263 269 232 170 198 137 Pork................................. 146 66 114 171 179 169 131 139 121 Other meats.......................... 92 45 86 110 113 90 77 81 71 Poultry.............................. 137 64 136 172 170 134 96 103 87 Fish and seafood..................... 98 40 82 113 127 107 84 101 63 Eggs................................. 32 22 29 35 37 37 30 30 30 Dairy products............................ 301 173 284 373 343 299 246 259 231 Fresh milk and cream................. 120 70 117 154 126 115 101 104 96 Other dairy products................. 181 103 167 219 217 184 146 155 135 Fruits and vegetables.................. 472 246 412 521 585 512 427 447 402 Fresh fruits......................... 149 74 124 158 189 170 141 146 134 Fresh vegetables..................... 145 69 130 158 181 158 130 141 118 Processed fruits..................... 101 63 90 112 125 105 90 87 93 Processed vegetables................. 76 40 68 92 90 79 66 73 57 Other food at home..................... 858 517 822 1,035 1,062 841 642 706 563 Sugar and other sweets............... 109 56 95 132 131 112 94 100 86 Fats and oils........................ 77 42 65 88 95 80 70 73 66 Miscellaneous foods.................. 388 247 398 475 475 350 276 299 247 Nonalcoholic beverages............... 231 146 216 287 289 223 164 182 142 Food prepared by consumer unit on out-of-town trips....................... 53 28 48 52 73 75 39 51 23 Food away from home...................... 2,030 1,557 2,030 2,439 2,611 2,069 1,192 1,426 906 Alcoholic beverages......................... 309 311 372 328 346 314 194 231 148 Housing..................................... 11,713 6,151 12,015 14,181 14,154 11,979 8,388 9,085 7,552 Shelter.................................. 6,680 3,795 7,232 8,400 8,095 6,316 4,271 4,592 3,888 Owned dwellings........................ 4,245 414 3,519 5,955 5,874 4,494 2,817 3,278 2,267 Mortgage interest and charges........ 2,455 255 2,487 4,008 3,535 2,249 662 899 378 Property taxes....................... 1,015 75 613 1,161 1,404 1,247 1,085 1,200 948 Maintenance, repairs, insurance,other expenses............................ 775 84 419 787 935 997 1,070 1,179 940 Rented dwellings....................... 1,978 3,144 3,434 2,033 1,433 1,214 1,092 850 1,380 Other lodging.......................... 458 237 279 412 788 608 362 464 241 Utilities, fuels, and public services...... 2,405 1,145 2,221 2,688 2,893 2,602 2,171 2,370 1,933 Natural gas............................ 284 95 257 309 329 320 290 290 289 Electricity............................ 921 416 803 1,019 1,111 1,011 884 976 775 Fuel oil and other fuels............... 85 13 54 85 106 114 106 115 95 Telephone services..................... 830 560 888 947 993 835 595 679 494 Water and other public services........ 285 61 219 328 355 323 296 310 279 Household operations..................... 546 196 679 727 498 433 464 387 556 Personal services...................... 260 136 493 441 141 60 117 44 205 Other household expenses............... 286 60 186 285 357 374 347 342 351 Housekeeping supplies...................... 482 188 366 549 547 755 393 423 356 Laundry and cleaning supplies.......... 118 49 110 139 141 127 98 106 88 Other household products............... 232 88 154 255 246 472 172 184 157 Postage and stationery................. 132 51 101 156 159 156 123 133 111 Household furnishings and equipment...... 1,601 826 1,517 1,817 2,121 1,873 1,089 1,313 820 Household textiles..................... 105 41 89 106 140 138 91 126 49 Furniture.............................. 377 158 440 465 439 425 221 274 158 Floor coverings........................ 144 e/ 28 47 147 278 133 159 189 124 Major appliances....................... 164 101 134 195 203 194 128 147 106 Small appliances, miscellaneous housewares............................ 80 51 66 90 103 101 59 75 39 Miscellaneous household equipment...... 729 448 742 813 958 882 431 503 344 Apparel and services........................ 1,674 1,134 1,781 2,193 2,199 1,498 820 1,041 550 Men and boys............................. 399 243 420 558 530 339 175 232 106 Men, 16 and over....................... 314 221 315 387 450 294 152 198 96 Boys, 2 to 15.......................... 85 23 105 170 80 45 23 33 9 Women and girls.......................... 651 412 585 854 931 583 360 431 272 Women, 16 and over..................... 548 382 460 654 818 533 334 394 261 Girls, 2 to 15......................... 103 31 126 200 113 50 25 37 12 Children under 2......................... 73 96 143 91 49 41 22 25 e/ 18 Footwear................................. 281 205 290 397 348 242 131 173 80 Other apparel products and services...... 270 176 343 294 342 293 132 180 75 Transportation.............................. 6,616 4,149 6,728 7,873 8,509 7,101 4,025 4,972 2,897 Vehicle purchases (net outlay)........... 2,964 2,084 3,090 3,703 3,730 3,075 1,593 2,033 1,069 Cars and trucks, new................... 1,383 480 1,195 1,777 1,925 1,641 809 930 665 Cars and trucks, used.................. 1,532 1,491 1,855 1,891 1,755 1,420 716 997 381 Other vehicles......................... 49 e/ 113 40 35 49 e/ 14 e/ 68 e/ 106 e/ 23 Gasoline and motor oil................... 1,017 654 1,016 1,203 1,308 1,077 645 796 465 Other vehicle expenses................... 2,206 1,176 2,253 2,572 2,928 2,372 1,382 1,632 1,084 Vehicle finance charges................ 319 211 421 393 423 284 111 168 43 Maintenance and repairs................ 641 357 568 750 844 696 473 531 404 Vehicle insurance...................... 739 383 683 815 1,008 810 551 637 447 Vehicle rental, leases, licenses, other charges.................................. 507 224 581 615 654 582 247 295 190 Public transportation.................... 429 235 369 394 543 577 405 510 279 Health care................................. 1,903 445 1,185 1,688 2,186 2,158 2,936 2,933 2,938 Health insurance......................... 913 206 604 790 941 991 1,528 1,549 1,503 Medical services......................... 542 136 373 557 738 642 596 592 601 Drugs.................................... 346 79 143 240 377 429 670 664 676 Medical supplies......................... 102 23 66 101 130 96 142 128 159 Entertainment............................... 1,746 974 1,757 2,215 2,142 1,904 1,044 1,312 724 Fees and admissions...................... 449 266 421 525 628 455 289 340 227 Television, radios, sound equipment...... 535 403 557 640 644 543 342 378 298 Pets, toys, and playground equipment..... 329 133 351 422 390 353 210 253 159 Other entertainment supplies, equipment,and services.................. 433 172 428 628 480 554 204 341 40 Personal care products and services......... 401 262 371 435 515 413 330 338 320 Reading..................................... 161 64 135 162 209 184 163 180 143 Education................................... 580 1,139 499 597 1,051 388 102 150 46 Tobacco products and smoking supplies....... 273 186 252 344 338 334 151 206 87 Miscellaneous............................... 860 300 772 972 1,026 1,164 694 818 546 Cash contributions.......................... 1,109 206 673 997 1,503 1,252 1,529 1,486 1,582 Personal insurance and pensions............. 3,381 1,040 3,662 4,415 5,297 3,740 888 1,208 505 Life and other personal insurance........ 398 64 255 429 576 627 324 379 258 Pensions and Social Security............. 2,982 976 3,407 3,986 4,721 3,114 564 829 247 Sources of income and personal taxes: a/ Money income before taxes................ 41,622 16,839 41,782 50,894 58,705 44,238 24,011 27,037 20,229 Wages and salaries....................... 32,889 14,553 38,548 45,563 51,425 31,947 4,955 7,545 1,719 Self-employment income................... 2,239 366 1,673 3,142 3,665 3,494 528 664 357 Social Security, private and government retirement................... 4,618 e/ 51 205 590 1,665 6,578 16,131 16,379 15,821 Interest, dividends, rental income, other property income................... 871 262 270 321 955 1,250 1,948 1,923 1,980 Unemployment and workers'' compensation, veterans'' benefits..................... 193 80 162 199 297 344 82 100 60 Public assistance, supplemental security, income, food stamps..................... 330 385 377 405 319 355 186 218 146 Regular contributions for support........ 260 646 324 389 180 119 71 40 110 Other income............................. 221 497 222 286 199 151 109 169 35 Personal taxes.............................. 3,264 866 3,352 4,132 5,448 3,404 1,118 1,383 787 Federal income taxes..................... 2,472 673 2,588 3,132 4,208 2,523 752 937 521 State and local income taxes............. 630 186 693 830 1,042 649 145 200 77 Other taxes.............................. 162 7 71 171 198 232 222 247 190 Income after taxes.......................... 38,358 15,973 38,430 46,762 53,257 40,834 22,892 25,654 19,442 Net change in total assets and liabilities... -1,919 2,233 -4,220 -2,833 -4,139 -1,822 1,616 2,062 1,085 Net change in total assets............... 6,116 3,754 6,991 9,562 4,611 7,234 3,108 4,069 1,962 Net change in total liabilities.......... 8,035 1,521 11,211 12,395 8,750 9,056 1,492 2,008 878 Other financial information: Other money receipts....................... 463 178 616 230 620 524 508 744 226 Mortgage principal paid on owned property................................ -1,160 -209 -676 -1,573 -1,972 -1,693 -443 -604 -252 Estimated market value of owned home..... 80,523 7,448 47,367 87,242 106,618 108,112 90,833 99,817 80,118 Estimated monthly rental value of owned home.............................. 570 61 374 648 731 727 616 671 551 Gifts of goods and services................. 1,068 497 669 884 1,901 1,372 906 996 797 Food..................................... 84 15 27 57 223 124 41 31 53 Housing.................................. 314 164 254 253 534 388 247 273 214 Housekeeping supplies.................. 41 22 32 55 51 48 28 30 25 Household textiles..................... 16 e/ 3 12 8 18 40 18 27 8 Appliances and miscellaneous housewares............................... 30 10 20 28 39 48 28 38 15 Major appliances..................... 7 e/ 5 e/ 2 9 10 7 7 10 4 Small appliances and miscellaneous housewares........................... 22 5 18 18 28 42 20 27 11 Miscellaneous household equipment...... 71 36 70 65 89 104 55 61 47 Other housing.......................... 156 92 120 98 337 147 118 119 118 Apparel and services..................... 225 154 189 217 290 277 200 260 126 Males, 2 and over...................... 60 28 46 51 83 87 56 74 34 Females, 2 and over.................... 80 37 47 89 112 108 69 84 52 Children under 2....................... 32 44 41 34 33 27 21 24 18 Other apparel products and services.... 52 46 55 42 63 55 53 78 22 Jewelry and watches.................. 25 26 30 15 30 20 31 46 12 All other apparel products and services............................ 27 e/ 20 25 28 33 35 22 32 e/ 10 Transportation........................... 49 35 23 49 50 70 65 81 47 Health care.............................. 38 e/ 3 4 20 49 24 98 21 191 Entertainment............................ 85 26 68 70 120 158 65 87 39 Toys, games, hobbies, and tricycles.... 30 12 23 25 35 56 28 41 13 Other entertainment.................... 55 14 45 45 85 102 37 46 26 Education................................ 154 58 33 100 471 192 48 71 e/ 20 All other gifts.......................... 119 41 70 117 163 138 142 170 108 _____________________________________________ 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.