Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999 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)...... 108,465 8,164 19,332 24,405 20,903 13,647 22,015 11,578 10,437 Income before taxes a/ ...................... $43,951 $18,276 $42,470 $53,579 $59,822 $49,436 $26,581 $28,928 $23,937 Income after taxes a/ ....................... 40,652 17,431 39,405 49,616 54,459 45,193 25,325 27,567 22,800 Age of the reference person.................. 47.9 21.4 29.7 39.5 49.2 59.1 74.8 69.3 80.8 Average number in consumer unit: Persons..................................... 2.5 1.8 2.9 3.2 2.7 2.2 1.7 1.9 1.5 Children under 18........................... .7 .4 1.1 1.3 .6 .2 .1 .1 b/ Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.4 1.4 1.3 Earners..................................... 1.3 1.3 1.5 1.7 1.8 1.3 .4 .6 .2 Vehicles.................................... 1.9 1.1 1.7 2.1 2.5 2.2 1.5 1.8 1.2 Percent distribution: Male........................................ 55 46 56 58 59 58 49 54 43 Female...................................... 45 54 44 42 41 42 51 46 57 Homeowner................................... 65 13 45 67 77 80 80 82 77 With mortgage.............................. 38 7 37 54 54 40 16 22 9 Without mortgage........................... 27 6 8 13 22 40 64 60 68 Renter...................................... 35 87 55 33 23 20 20 18 23 Black....................................... 12 13 15 13 12 11 9 10 7 White and other............................. 88 87 85 87 88 89 91 90 93 Elementary (1-8)............................ 6 2 3 3 4 8 15 12 19 High school (9-12).......................... 39 35 37 38 33 43 46 47 46 College..................................... 55 64 60 59 62 50 38 42 34 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 87 70 87 91 92 90 82 87 76 Average annual expenditures.................. $36,995 $21,704 $36,158 $42,792 $46,511 $39,394 $26,521 $29,864 $22,884 Food........................................ 5,031 3,354 5,140 6,109 5,945 5,056 3,511 4,146 2,841 Food at home............................. 2,915 1,828 2,890 3,537 3,340 2,920 2,266 2,575 1,943 Cereals and bakery products............ 448 271 432 561 509 433 357 399 314 Cereals and cereal products.......... 160 102 170 211 175 140 116 130 101 Bakery products...................... 288 169 262 350 335 294 242 269 213 Meats, poultry, fish, and eggs......... 749 469 751 897 878 761 563 664 457 Beef................................. 220 155 221 266 257 230 154 187 119 Pork................................. 157 93 154 185 185 165 121 146 95 Other meats.......................... 97 61 95 119 111 94 77 94 60 Poultry.............................. 136 82 148 162 160 136 96 109 82 Fish and seafood..................... 106 59 103 125 130 102 87 98 77 Eggs................................. 32 19 31 40 34 35 27 30 24 Dairy products......................... 322 195 322 410 354 305 255 289 220 Fresh milk and cream................. 122 78 124 158 130 107 99 108 89 Other dairy products................. 200 117 198 252 224 198 156 181 131 Fruits and vegetables.................. 500 283 475 572 563 525 450 497 401 Fresh fruits......................... 152 77 136 173 173 161 149 165 131 Fresh vegetables..................... 149 79 146 161 168 171 131 148 114 Processed fruits..................... 113 77 105 133 129 108 100 106 93 Processed vegetables................. 86 49 87 104 93 86 71 78 63 Other food at home..................... 896 610 910 1,097 1,037 895 641 726 551 Sugar and other sweets............... 112 71 99 134 128 118 93 106 80 Fats and oils........................ 84 54 80 96 96 86 70 81 59 Miscellaneous foods.................. 420 300 463 517 464 401 290 322 258 Nonalcoholic beverages............... 242 167 236 301 301 241 158 176 139 Food prepared by consumer unit on out-of-town trips................... 39 19 32 49 47 50 29 42 15 Food away from home.................... 2,116 1,526 2,250 2,572 2,605 2,136 1,245 1,571 898 Alcoholic beverages......................... 318 369 365 384 320 330 172 219 122 Housing..................................... 12,057 6,585 12,519 14,215 14,513 12,093 8,944 9,607 8,223 Shelter.................................. 7,016 4,140 7,612 8,606 8,534 6,660 4,576 4,931 4,181 Owned dwellings........................ 4,525 596 3,935 6,110 6,203 4,812 2,971 3,426 2,466 Mortgage interest and charges........ 2,547 311 2,694 3,990 3,641 2,328 745 1,038 420 Property taxes....................... 1,123 168 751 1,297 1,444 1,380 1,149 1,222 1,069 Maintenance, repairs, insurance,other expenses............................ 854 117 489 823 1,118 1,104 1,076 1,166 977 Rented dwellings....................... 2,027 3,296 3,447 2,121 1,532 1,206 1,182 968 1,420 Other lodging.......................... 465 248 230 375 799 642 423 538 295 Utilities, fuels, and public services.... 2,377 1,166 2,249 2,586 2,819 2,608 2,145 2,369 1,897 Natural gas............................ 270 92 238 283 304 326 284 290 277 Electricity............................ 899 426 811 969 1,074 997 848 933 753 Fuel oil and other fuels............... 74 14 47 72 94 80 102 117 86 Telephone services..................... 849 562 924 950 1,008 869 614 711 506 Water and other public services........ 285 72 229 313 339 335 298 318 275 Household operations..................... 666 181 772 830 606 476 746 458 1,065 Personal services...................... 323 121 573 500 148 60 311 87 559 Other household expenses............... 343 60 199 330 459 416 435 371 505 Housekeeping supplies.................... 498 221 441 604 574 570 423 493 349 Laundry and cleaning supplies.......... 121 64 117 149 135 124 102 118 85 Other household products............... 250 86 211 315 298 296 199 231 166 Postage and stationery................. 127 71 113 139 141 149 122 144 98 Household furnishings and equipment...... 1,499 877 1,445 1,590 1,980 1,779 1,054 1,356 730 Household textiles..................... 114 41 101 114 169 111 106 143 67 Furniture.............................. 365 283 435 403 446 382 205 265 138 Floor coverings........................ 44 11 37 37 52 94 31 32 30 Major appliances....................... 183 91 176 192 215 196 175 190 158 Small appliances, miscellaneous housewares............................ 102 47 82 90 131 144 99 147 49 Miscellaneous household equipment...... 692 405 615 754 968 853 438 578 288 Apparel and services........................ 1,743 1,192 2,047 2,053 2,048 1,722 1,070 1,235 901 Men and boys............................. 421 238 519 517 517 406 219 300 134 Men, 16 and over....................... 328 209 387 331 438 364 195 266 120 Boys, 2 to 15.......................... 93 29 133 186 79 41 24 34 13 Women and girls.......................... 655 422 709 764 817 671 416 525 301 Women, 16 and over..................... 548 377 579 561 687 625 394 491 292 Girls, 2 to 15......................... 107 45 130 203 130 46 22 34 9 Children under 2......................... 67 99 139 80 40 41 17 22 d/ 11 Footwear................................. 303 234 374 373 327 308 165 219 108 Other apparel products and services...... 297 199 306 319 347 296 253 169 347 Transportation.............................. 7,011 5,037 7,150 8,041 9,010 7,330 4,385 5,457 3,196 Vehicle purchases (net outlay)........... 3,305 2,859 3,500 3,807 4,117 3,406 1,911 2,422 1,344 Cars and trucks, new................... 1,628 857 1,377 1,722 2,079 2,109 1,304 1,661 907 Cars and trucks, used.................. 1,641 1,974 2,034 2,058 1,988 1,283 606 758 437 Other vehicles......................... 36 d/ 28 89 27 51 d/ 14 d/ 2 d/ 3 e/ Gasoline and motor oil................... 1,055 708 1,066 1,259 1,349 1,093 644 807 463 Other vehicle expenses................... 2,254 1,253 2,249 2,565 3,085 2,339 1,443 1,724 1,131 Vehicle finance charges................ 320 209 402 394 431 320 104 146 57 Maintenance and repairs................ 664 402 554 743 890 724 519 596 434 Vehicle insurance...................... 756 408 705 806 1,052 803 566 638 485 Vehicle rental, leases, licenses, other charges.............................. 513 234 588 620 712 493 255 344 155 Public transportation.................... 397 217 335 411 459 492 387 504 258 Health care................................. 1,959 551 1,170 1,631 2,183 2,450 3,019 2,991 3,052 Health insurance......................... 923 233 597 746 942 1,063 1,554 1,572 1,534 Medical services......................... 558 184 351 531 754 751 601 574 632 Drugs.................................... 370 97 162 254 368 497 706 696 719 Medical supplies......................... 109 36 60 101 118 139 158 149 168 Entertainment............................... 1,891 1,149 1,776 2,254 2,367 2,175 1,238 1,567 874 Fees and admissions...................... 459 262 395 528 578 559 336 438 222 Television, radios, sound equipment...... 608 485 636 707 741 578 412 477 340 Pets, toys, and playground equipment..... 346 185 375 454 418 354 186 250 117 Other entertainment supplies, equipment,and services.................. 478 217 369 565 631 684 305 403 194 Personal care products and services......... 408 254 381 471 475 449 333 370 295 Reading..................................... 159 70 116 157 210 195 163 184 141 Education................................... 635 1,277 453 637 1,125 552 139 165 111 Tobacco products and smoking supplies....... 300 220 295 370 395 329 148 204 86 Miscellaneous............................... 867 353 727 946 1,089 1,021 790 775 807 Cash contributions.......................... 1,181 182 585 1,067 1,415 1,750 1,627 1,663 1,588 Personal insurance and pensions............. 3,436 1,110 3,433 4,455 5,415 3,941 980 1,280 647 Life and other personal insurance........ 394 61 238 418 616 533 333 429 226 Pensions and Social Security............. 3,042 1,049 3,195 4,037 4,799 3,408 647 851 421 Sources of income and personal taxes: a/ Money income before taxes.................. 43,951 18,276 42,470 53,579 59,822 49,430 26,581 28,928 23,937 Wages and salaries....................... 34,456 16,210 39,372 48,616 52,224 34,521 5,406 8,169 2,295 Self-employment income................... 2,603 304 1,448 2,835 3,957 5,463 1,304 1,809 735 Social Security, private and government retirement................... 4,798 129 354 649 1,870 6,922 16,217 16,498 15,901 Interest, dividends, rental income, other property income................... 1,104 97 300 388 681 1,495 3,092 1,713 4,645 Unemployment and workers'' compensation, veterans'' benefits..................... 177 88 182 210 290 169 70 86 51 Public assistance, supplemental security, income, food stamps..................... 320 271 365 300 321 480 228 301 146 Regular contributions for support........ 262 636 255 380 222 153 105 92 120 Other income............................. 230 542 195 202 256 226 158 259 43 Personal taxes............................. 3,299 845 3,065 3,963 5,363 4,243 1,256 1,361 1,137 Federal income taxes..................... 2,513 630 2,316 3,037 4,178 3,312 827 905 739 State and local income taxes............. 616 208 671 797 955 691 169 178 159 Other taxes.............................. 170 7 78 128 230 241 260 278 240 Income after taxes......................... 40,652 17,431 39,405 49,616 54,459 45,193 25,325 27,567 22,800 Net change in total assets and liabilities... 142 -617 123 -920 5 1,402 966 44 1,989 Net change in total assets............... 6,478 2,715 10,479 9,070 6,770 5,146 2,035 1,220 2,939 Net change in total liabilities.......... 6,336 3,332 10,357 9,990 6,765 3,745 1,069 1,176 950 Other financial information: Other money receipts..................... 651 327 1,021 301 721 1,402 305 396 204 Mortgage principal paid on owned property................................ -1,366 -95 -897 -1,584 -2,009 -2,828 -494 -745 -215 Estimated market value of owned home..... 87,582 11,079 52,188 94,517 108,963 124,609 96,093 101,196 90,433 Estimated monthly rental value of owned home.................................... 592 93 393 646 735 772 645 686 598 Gifts of goods and services................. 1,083 515 739 956 1,690 1,537 884 948 814 Food..................................... 83 19 40 48 194 138 43 63 22 Housing.................................. 292 139 238 275 425 375 238 278 196 Housekeeping supplies.................. 41 14 39 52 44 48 32 37 27 Household textiles..................... 17 d/ 3 11 11 27 21 22 33 11 Appliances and miscellaneous housewares........................... 32 5 19 23 46 58 36 38 33 Major appliances..................... 9 d/ 2 4 6 13 14 10 4 17 Small appliances and miscellaneous housewares......................... 24 2 15 17 34 44 25 34 16 Miscellaneous household equipment...... 66 42 48 61 83 102 58 79 37 Other housing.......................... 136 75 120 128 225 146 90 92 89 Apparel and services..................... 210 118 206 190 269 298 160 176 143 Males, 2 and over...................... 54 24 49 39 70 88 51 65 36 Females, 2 and over.................... 71 35 46 58 110 99 67 55 79 Children under 2....................... 33 23 43 45 30 38 14 17 11 Other apparel products and services.... 52 36 67 47 59 74 29 40 18 Jewelry and watches.................. 27 22 53 25 23 26 11 18 3 All other apparel products and services............................ 25 d/ 14 14 22 36 48 18 22 d/ 14 Transportation........................... 63 65 30 56 90 93 57 64 49 Health care.............................. 40 d/ 5 9 24 46 43 90 57 128 Entertainment............................ 98 63 74 89 106 142 107 99 115 Toys, games, hobbies, and tricycles.... 32 10 23 28 41 52 30 42 16 Other entertainment.................... 66 53 51 61 65 90 77 57 99 Education................................ 166 42 31 126 422 254 78 92 63 All other gifts.......................... 131 65 111 148 138 193 110 120 99 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 Data are likely to have large sampling errors. e No data reported.