Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002 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)...... 112,108 8,737 18,988 24,394 22,691 15,314 21,983 11,216 10,767 Income before taxes a/ ...................... $49,430 $20,773 $49,133 $61,532 $64,974 $53,162 $29,711 $35,118 $23,890 Income after taxes a/ ....................... 46,934 20,206 46,875 58,457 60,923 50,306 28,674 33,562 23,411 Age of the reference person.................. 48.1 21.3 29.8 39.7 49.2 59.1 75.0 69.4 80.8 Average number in consumer unit: Persons..................................... 2.5 1.9 2.9 3.2 2.7 2.1 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..................................... 1.4 1.3 1.5 1.7 1.8 1.3 .5 .6 .3 Vehicles.................................... 2.0 1.1 1.8 2.2 2.4 2.2 1.5 1.9 1.2 Percent distribution: Male........................................ 51 46 52 52 54 54 46 51 42 Female...................................... 49 54 48 48 46 46 54 49 58 Homeowner................................... 66 15 49 68 76 81 80 84 77 With mortgage.............................. 41 8 42 56 56 43 18 26 9 Without mortgage........................... 26 7 8 12 20 38 62 58 67 Renter...................................... 34 85 51 32 24 19 20 16 23 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)............................ 6 2 3 4 4 6 14 10 18 High school (9-12).......................... 38 31 33 36 36 39 47 47 46 College..................................... 56 67 63 60 60 55 39 42 36 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ 1 c/ At least one vehicle owned or leased........ 88 71 89 92 92 92 83 88 77 Average annual expenditures.................. $40,677 $24,229 $40,318 $48,330 $48,748 $44,330 $28,105 $32,243 $23,759 Food........................................ 5,375 3,621 5,471 6,314 6,228 5,559 3,910 4,479 3,302 Food at home............................. 3,099 1,926 3,093 3,601 3,528 3,114 2,548 2,877 2,195 Cereals and bakery products............ 450 287 442 542 500 423 386 418 352 Cereals and cereal products.......... 154 113 163 191 169 133 120 128 112 Bakery products...................... 296 174 279 351 332 290 266 290 240 Meats, poultry, fish, and eggs......... 798 460 817 918 929 807 641 745 529 Beef................................. 231 131 253 271 273 216 174 208 138 Pork................................. 167 95 162 198 188 169 144 169 117 Other meats.......................... 101 52 96 122 117 103 84 97 70 Poultry.............................. 144 96 159 164 168 134 110 123 96 Fish and seafood..................... 121 61 113 126 146 154 98 115 79 Eggs................................. 34 24 34 38 37 32 30 33 28 Dairy products......................... 328 200 324 392 367 325 274 301 244 Fresh milk and cream................. 127 87 130 153 136 121 107 112 102 Other dairy products................. 201 113 195 238 232 204 167 189 142 Fruits and vegetables.................. 552 338 522 597 627 591 510 556 461 Fresh fruits......................... 178 105 154 191 204 207 169 185 152 Fresh vegetables..................... 175 100 162 185 205 191 163 176 149 Processed fruits..................... 116 81 118 128 127 113 103 108 97 Processed vegetables................. 83 53 88 93 91 81 75 87 63 Other food at home..................... 970 640 988 1,153 1,106 967 738 858 609 Sugar and other sweets............... 117 64 104 139 130 125 108 125 90 Fats and oils........................ 85 47 81 93 99 90 78 90 66 Miscellaneous foods.................. 472 344 512 572 531 434 340 392 283 Nonalcoholic beverages............... 254 160 260 303 296 265 178 207 148 Food prepared by consumer unit on out-of-town trips................... 41 25 31 46 49 54 33 45 22 Food away from home.................... 2,276 1,696 2,378 2,712 2,700 2,445 1,362 1,602 1,107 Alcoholic beverages......................... 376 394 395 367 465 420 237 324 144 Housing..................................... 13,283 7,436 13,727 16,350 15,476 13,831 9,176 10,052 8,257 Shelter.................................. 7,829 4,851 8,470 9,902 9,223 7,667 4,834 5,299 4,350 Owned dwellings........................ 5,165 830 4,701 7,105 6,787 5,595 3,162 3,849 2,447 Mortgage interest and charges........ 2,962 443 3,286 4,608 4,061 2,712 897 1,366 408 Property taxes....................... 1,242 281 823 1,473 1,557 1,540 1,199 1,299 1,095 Maintenance, repairs, insurance,other expenses............................ 960 106 592 1,024 1,169 1,343 1,066 1,183 944 Rented dwellings....................... 2,160 3,644 3,476 2,351 1,733 1,303 1,259 905 1,627 Other lodging.......................... 505 377 293 446 704 770 413 545 275 Utilities, fuels, and public services.... 2,684 1,348 2,503 3,026 3,106 2,953 2,371 2,590 2,142 Natural gas............................ 330 108 288 369 383 355 338 336 339 Electricity............................ 981 471 864 1,105 1,138 1,112 894 985 799 Fuel oil and other fuels............... 88 21 55 86 90 127 119 115 123 Telephone services..................... 957 641 1,032 1,096 1,109 981 689 794 579 Water and other public services........ 328 108 263 369 387 378 331 360 302 Household operations..................... 706 198 895 1,010 613 561 602 486 723 Personal services...................... 331 99 650 580 165 79 218 79 363 Other household expenses............... 375 99 245 430 448 481 384 407 360 Housekeeping supplies.................... 545 226 389 589 633 838 466 547 379 Laundry and cleaning supplies.......... 131 77 125 152 147 139 110 132 85 Other household products............... 283 95 173 295 333 538 213 250 172 Postage and stationery................. 131 54 92 142 153 161 143 164 121 Household furnishings and equipment...... 1,518 812 1,469 1,823 1,900 1,811 903 1,131 663 Household textiles..................... 136 93 128 137 152 183 106 127 84 Furniture.............................. 401 170 472 524 453 484 186 242 127 Floor coverings........................ 40 8 30 44 59 53 30 33 27 Major appliances....................... 188 88 148 252 219 220 139 168 108 Small appliances, miscellaneous housewares............................ 100 76 109 88 124 134 68 93 42 Miscellaneous household equipment...... 652 377 583 776 893 738 374 467 274 Apparel and services........................ 1,749 1,365 1,989 2,101 2,029 1,791 972 1,252 674 Men and boys............................. 409 266 486 562 477 337 208 285 126 Men, 16 and over....................... 319 230 367 383 391 297 182 252 108 Boys, 2 to 15.......................... 90 36 119 179 85 40 26 33 18 Women and girls.......................... 704 609 647 787 850 840 450 558 335 Women, 16 and over..................... 587 559 511 540 732 788 424 523 318 Girls, 2 to 15......................... 117 50 136 247 118 52 26 35 17 Children under 2......................... 83 102 188 97 51 49 21 27 15 Footwear................................. 313 246 385 382 365 290 160 208 108 Other apparel products and services...... 240 142 283 273 286 276 133 175 90 Transportation.............................. 7,759 5,102 8,423 9,400 9,173 8,449 4,481 5,731 3,178 Vehicle purchases (net outlay)........... 3,665 2,635 4,269 4,592 4,203 3,882 1,818 2,430 1,180 Cars and trucks, new................... 1,753 664 1,739 2,394 1,966 2,080 1,038 1,352 712 Cars and trucks, used.................. 1,842 1,917 2,454 2,115 2,109 1,763 761 1,043 468 Other vehicles......................... 70 d/ 54 75 83 128 d/ 39 d/ 18 d/ 35 e/ Gasoline and motor oil................... 1,235 903 1,257 1,473 1,495 1,292 777 970 575 Other vehicle expenses................... 2,471 1,339 2,505 2,935 3,055 2,735 1,586 1,945 1,212 Vehicle finance charges................ 397 217 516 529 479 370 153 217 87 Maintenance and repairs................ 697 394 609 843 848 832 482 553 408 Vehicle insurance...................... 894 479 872 987 1,125 991 666 799 528 Vehicle rental, leases, licenses, other charges.............................. 483 249 508 576 603 542 284 376 189 Public transportation.................... 389 225 392 400 421 540 300 386 211 Health care................................. 2,350 640 1,417 1,980 2,550 3,007 3,586 3,588 3,584 Health insurance......................... 1,168 285 762 1,023 1,180 1,356 1,886 1,921 1,849 Medical services......................... 590 196 391 556 768 863 582 635 527 Drugs.................................... 487 130 209 303 490 659 955 884 1,028 Medical supplies......................... 105 30 55 99 112 129 163 148 179 Entertainment............................... 2,079 1,212 2,027 2,685 2,565 2,297 1,139 1,371 896 Fees and admissions...................... 542 313 490 743 662 584 301 382 216 Television, radios, sound equipment...... 692 457 750 817 806 717 461 546 372 Pets, toys, and playground equipment..... 369 193 368 463 466 420 200 262 135 Other entertainment supplies, equipment,and services.................. 476 249 420 662 631 577 177 181 173 Personal care products and services......... 526 329 488 615 588 557 451 509 390 Reading..................................... 139 57 103 135 167 181 147 161 134 Education................................... 752 1,664 571 738 1,208 589 202 289 112 Tobacco products and smoking supplies....... 320 286 315 376 415 361 152 220 81 Miscellaneous............................... 792 422 678 841 989 930 686 794 572 Cash contributions.......................... 1,277 319 743 1,247 1,571 1,520 1,679 1,620 1,740 Personal insurance and pensions............. 3,899 1,382 3,972 5,183 5,323 4,838 1,286 1,853 696 Life and other personal insurance........ 406 51 230 409 559 595 407 521 287 Pensions and Social Security............. 3,493 1,331 3,742 4,774 4,764 4,243 880 1,332 409 Sources of income and personal taxes: a/ Money income before taxes.................. 49,430 20,773 49,133 61,532 64,974 53,162 29,711 35,118 23,890 Wages and salaries....................... 39,864 18,040 46,183 55,638 57,139 40,391 8,218 13,134 2,925 Self-employment income................... 2,237 551 1,331 3,200 3,490 2,598 1,139 1,451 803 Social Security, private and government retirement................... 5,234 204 445 865 2,035 7,380 17,819 18,276 17,327 Interest, dividends, rental income, other property income................... 924 134 211 627 990 1,517 1,704 1,438 1,990 Unemployment and workers'' compensation, veterans'' benefits..................... 233 76 214 275 331 353 84 115 51 Public assistance, supplemental security, income, food stamps..................... 352 268 287 380 351 473 331 326 336 Regular contributions for support........ 412 864 306 398 533 366 256 143 379 Other income............................. 173 636 157 148 105 83 159 235 78 Personal taxes............................. 2,496 567 2,259 3,075 4,051 2,856 1,037 1,556 479 Federal income taxes..................... 1,843 402 1,642 2,258 3,052 2,136 725 1,111 310 State and local income taxes............. 506 149 546 680 798 493 144 230 51 Other taxes.............................. 147 16 71 136 201 227 169 215 118 Income after taxes......................... 46,934 20,206 46,875 58,457 60,923 50,306 28,674 33,562 23,411 Net change in total assets and liabilities... -5,612 2,559 -5,082 -9,224 -8,566 -4,825 -2,807 -3,402 -2,187 Net change in total assets............... 5,736 4,780 10,945 8,557 5,842 4,665 -879 -423 -1,353 Net change in total liabilities.......... 11,348 2,222 16,027 17,781 14,409 9,490 1,928 2,979 834 Other financial information: Other money receipts..................... 539 144 262 399 685 1,318 397 283 516 Mortgage principal paid on owned property................................ -1,382 -146 -927 -1,883 -2,099 -1,892 -614 -913 -303 Estimated market value of owned home..... 106,766 15,687 70,031 119,256 132,375 140,158 111,136 124,024 97,710 Estimated monthly rental value of owned home.................................... 720 138 526 814 866 880 753 819 685 Gifts of goods and services................. 1,036 437 688 868 1,604 1,531 832 1,089 560 Food..................................... 82 27 34 60 153 152 49 61 37 Alcoholic beverages...................... 13 15 13 16 14 13 10 17 3 Housing.................................. 259 104 213 231 387 334 206 268 139 Housekeeping supplies.................. 42 24 32 41 51 55 43 56 29 Household textiles..................... 14 d/ 2 13 11 14 29 12 18 5 Appliances and miscellaneous housewares........................... 24 13 12 17 28 54 22 32 11 Major appliances..................... 8 c/ 2 7 9 27 5 8 2 Small appliances and miscellaneous housewares......................... 16 13 10 9 20 27 16 23 9 Miscellaneous household equipment...... 65 24 45 65 94 85 53 75 29 Other housing.......................... 114 42 111 98 199 111 76 88 65 Apparel and services..................... 237 170 249 208 257 341 193 251 132 Males, 2 and over...................... 64 55 56 63 69 74 62 89 34 Females, 2 and over.................... 82 37 72 56 89 158 77 88 65 Children under 2....................... 40 34 57 45 40 41 20 26 15 Other apparel products and services.... 52 44 65 44 59 68 33 48 18 Jewelry and watches.................. 24 13 44 20 23 33 11 15 6 All other apparel products and services............................ 28 32 21 23 36 35 23 33 d/ 12 Transportation........................... 44 15 22 45 80 70 17 11 24 Health care.............................. 33 d/ 1 11 21 55 55 39 40 37 Entertainment............................ 78 30 60 86 106 107 56 73 38 Toys, games, hobbies, and tricycles.... 30 11 20 29 36 50 27 38 15 Other entertainment.................... 48 19 40 57 69 57 29 35 23 Personal care products and services...... 21 13 16 27 26 17 21 31 10 Reading.................................. 1 c/ 1 1 1 2 3 3 3 Education................................ 184 43 27 108 415 293 146 194 96 All other gifts.......................... 84 18 42 67 112 145 93 140 43 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.