Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Total Under 65 and Item three 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 16,682 1,060 3,626 4,376 4,409 1,841 1,370 Income before taxes a/ ...................... $55,512 $30,020 $48,992 $57,149 $69,073 $60,256 $39,113 Income after taxes a/ ....................... 52,264 29,670 46,046 53,896 64,855 55,960 37,199 Age of the reference person.................. 43.7 21.8 29.9 39.7 49.2 58.6 72.0 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 .9 1.1 1.0 .6 .2 .2 Persons 65 and over......................... .2 b/ b/ b/ .1 .1 1.5 Earners..................................... 1.8 1.7 1.6 1.7 2.1 1.9 1.2 Vehicles.................................... 2.3 1.6 1.9 2.1 2.8 2.8 2.2 Percent distribution: Male........................................ 52 41 50 45 58 63 60 Female...................................... 48 59 50 55 42 37 40 Homeowner................................... 69 21 51 67 83 86 86 With mortgage.............................. 48 13 43 54 59 49 34 Without mortgage........................... 20 8 8 13 24 37 53 Renter...................................... 31 79 49 33 17 14 14 Black....................................... 15 20 18 17 13 11 15 White and other............................. 85 80 82 83 87 89 85 Elementary (1-8)............................ 5 1 3 3 4 8 18 High school (9-12).......................... 41 58 40 41 33 44 51 College..................................... 54 40 57 56 62 48 29 Never attended and other.................... c/ c/ c/ c/ c/ c/ 2 At least one vehicle owned or leased........ 93 81 92 93 96 96 90 Average annual expenditures.................. $45,361 $30,654 $40,746 $44,952 $54,584 $50,105 $35,113 Food........................................ 6,149 4,531 5,245 5,935 7,572 6,884 5,364 Food at home............................. 3,691 2,597 3,191 3,512 4,404 4,240 3,745 Cereals and bakery products............ 538 391 446 504 652 618 587 Cereals and cereal products.......... 186 158 173 175 208 198 201 Bakery products...................... 353 232 274 329 445 420 386 Meats, poultry, fish, and eggs......... 1,023 741 849 1,014 1,212 1,186 978 Beef................................. 311 241 264 313 370 342 267 Pork................................. 222 153 173 228 252 266 241 Other meats.......................... 128 88 102 124 158 148 127 Poultry.............................. 183 150 164 182 203 203 188 Fish and seafood..................... 138 81 109 130 180 180 108 Eggs................................. 41 29 37 38 47 47 47 Dairy products......................... 395 271 359 374 455 441 431 Fresh milk and cream................. 164 115 160 156 186 165 180 Other dairy products................. 231 156 199 219 269 276 251 Fruits and vegetables.................. 607 371 506 574 733 713 691 Fresh fruits......................... 182 109 152 169 219 232 200 Fresh vegetables..................... 185 112 152 171 229 213 218 Processed fruits..................... 136 91 120 134 154 154 154 Processed vegetables................. 104 60 81 100 132 114 119 Other food at home..................... 1,128 823 1,031 1,044 1,352 1,282 1,059 Sugar and other sweets............... 132 82 106 127 164 155 140 Fats and oils........................ 101 62 82 93 128 123 105 Miscellaneous foods.................. 551 439 568 496 627 611 486 Nonalcoholic beverages............... 306 224 251 287 382 354 301 Food prepared by consumer unit on out-of-town trips................... 37 16 24 41 50 39 26 Food away from home.................... 2,458 1,934 2,054 2,424 3,167 2,644 1,619 Alcoholic beverages......................... 364 318 302 362 485 353 214 Housing..................................... 14,465 10,540 14,302 15,086 16,030 14,450 11,081 Shelter.................................. 8,189 6,532 8,155 8,725 9,076 7,674 5,683 Owned dwellings........................ 5,535 1,413 4,783 6,011 6,879 5,929 4,346 Mortgage interest and charges........ 3,488 957 3,396 4,136 4,189 3,140 1,836 Property taxes....................... 1,209 329 811 1,122 1,631 1,667 1,243 Maintenance, repairs, insurance,other expenses............................ 838 126 576 753 1,058 1,122 1,267 Rented dwellings....................... 2,164 4,943 3,181 2,320 1,424 922 866 Other lodging.......................... 490 176 192 393 773 823 471 Utilities, fuels, and public services.... 3,019 2,026 2,628 3,028 3,396 3,397 3,068 Natural gas............................ 398 239 349 409 430 453 439 Electricity............................ 1,111 743 939 1,099 1,243 1,295 1,216 Fuel oil and other fuels............... 101 d/ 28 73 87 120 171 127 Telephone services..................... 1,060 855 1,019 1,061 1,188 1,078 891 Water and other public services........ 348 160 249 372 415 400 395 Household operations..................... 899 605 1,259 1,087 694 697 510 Personal services...................... 510 478 1,013 708 180 180 d/ 80 Other household expenses............... 389 127 246 378 514 517 430 Housekeeping supplies.................... 557 309 497 526 656 663 618 Laundry and cleaning supplies.......... 150 110 136 142 165 173 173 Other household products............... 266 126 224 261 319 351 248 Postage and stationery................. 141 74 137 123 171 138 196 Household furnishings and equipment...... 1,801 1,069 1,762 1,721 2,208 2,020 1,203 Household textiles..................... 127 74 131 113 139 201 80 Furniture.............................. 474 316 490 506 516 457 342 Floor coverings........................ 51 8 45 27 76 91 36 Major appliances....................... 194 96 185 156 271 229 134 Small appliances, miscellaneous housewares............................ 89 71 69 81 113 118 69 Miscellaneous household equipment...... 866 504 842 837 1,093 924 542 Apparel and services........................ 2,139 1,962 2,075 2,024 2,734 1,902 1,341 Men and boys............................. 517 438 475 445 717 489 367 Men, 16 and over....................... 408 379 342 285 618 440 342 Boys, 2 to 15.......................... 109 59 133 161 99 49 25 Women and girls.......................... 806 508 631 776 1,152 813 574 Women, 16 and over..................... 676 438 473 574 1,049 748 540 Girls, 2 to 15......................... 130 70 158 203 103 65 34 Children under 2......................... 141 286 305 116 58 69 19 Footwear................................. 357 461 388 350 408 238 202 Other apparel products and services...... 317 270 276 336 399 294 179 Transportation.............................. 9,536 7,150 8,873 8,886 11,549 10,952 6,839 Vehicle purchases (net outlay)........... 4,567 3,752 4,478 4,140 5,490 5,250 2,910 Cars and trucks, new................... 2,196 1,307 2,025 1,910 2,687 3,258 1,236 Cars and trucks, used.................. 2,337 2,438 2,417 2,179 2,769 1,960 1,663 Other vehicles......................... 35 d/ 8 d/ 35 d/ 51 d/ 34 d/ 32 d/ 11 Gasoline and motor oil................... 1,566 1,254 1,410 1,536 1,851 1,752 1,152 Other vehicle expenses................... 2,964 1,861 2,703 2,779 3,685 3,312 2,322 Vehicle finance charges................ 477 356 553 427 524 530 301 Maintenance and repairs................ 743 502 532 703 960 910 710 Vehicle insurance...................... 1,029 737 869 945 1,311 1,115 932 Vehicle rental, leases, licenses, other charges.............................. 714 265 750 704 890 757 379 Public transportation.................... 439 284 283 432 523 637 455 Health care................................. 2,172 714 1,400 1,814 2,669 3,238 3,482 Health insurance......................... 1,082 363 760 950 1,302 1,386 1,796 Medical services......................... 588 221 398 505 765 968 552 Drugs.................................... 402 98 184 286 472 717 958 Medical supplies......................... 100 33 59 72 129 167 176 Entertainment............................... 2,165 1,410 1,932 2,416 2,381 2,441 1,535 Fees and admissions...................... 513 203 359 611 658 562 316 Television, radios, sound equipment...... 736 559 736 764 795 737 594 Pets, toys, and playground equipment..... 383 264 371 420 403 399 320 Other entertainment supplies, equipment,and services.................. 533 384 466 622 525 743 306 Personal care products and services......... 625 393 571 595 770 636 600 Reading..................................... 142 55 104 140 177 179 160 Education................................... 835 435 384 694 1,539 979 347 Tobacco products and smoking supplies....... 398 438 344 419 415 468 295 Miscellaneous............................... 818 530 656 741 1,059 981 757 Cash contributions.......................... 1,185 256 677 1,132 1,744 1,631 1,017 Personal insurance and pensions............. 4,367 1,920 3,883 4,706 5,460 5,011 2,080 Life and other personal insurance........ 503 80 286 387 660 996 612 Pensions and Social Security............. 3,864 1,840 3,596 4,319 4,799 4,015 1,468 Sources of income and personal taxes: a/ Money income before taxes.................. 55,512 30,020 48,992 57,149 69,073 60,256 39,113 Wages and salaries....................... 48,520 27,479 46,438 52,881 60,779 48,190 18,539 Self-employment income................... 2,374 d/ 603 887 1,819 4,488 3,925 997 Social Security, private and government retirement................... 2,978 d/ 227 295 817 2,052 6,492 17,626 Interest, dividends, rental income, other property income................... 476 261 175 391 648 698 902 Unemployment and workers'' compensation, veterans'' benefits..................... 211 131 141 204 223 458 133 Public assistance, supplemental security, income, food stamps..................... 399 738 435 351 235 345 774 Regular contributions for support........ 402 387 497 563 388 d/ 84 d/ 83 Other income............................. 151 195 125 124 260 65 d/ 59 Personal taxes............................. 3,247 351 2,945 3,253 4,218 4,296 1,914 Federal income taxes..................... 2,506 148 2,258 2,502 3,303 3,323 1,478 State and local income taxes............. 614 198 615 626 748 771 278 Other taxes.............................. 127 5 72 126 166 202 157 Income after taxes......................... 52,264 29,670 46,046 53,896 64,855 55,960 37,199 Net change in total assets and liabilities... -1,083 -504 -1,992 -13 -2,224 -2,513 3,055 Net change in total assets............... 7,330 4,807 8,775 10,159 5,600 3,481 7,158 Net change in total liabilities.......... 8,412 5,311 10,767 10,171 7,824 5,994 4,102 Other financial information: Other money receipts..................... 615 541 205 908 492 891 843 Mortgage principal paid on owned property................................ -1,580 -406 -911 -1,510 -2,375 -2,076 -1,259 Estimated market value of owned home..... 101,919 21,647 68,052 97,353 134,892 137,352 114,514 Estimated monthly rental value of owned home.................................... 707 171 510 685 897 904 838 Gifts of goods and services................. 1,309 813 657 966 2,263 1,801 850 Food..................................... 114 d/ 27 23 68 260 167 41 Alcoholic beverages...................... 17 d/ 8 22 12 24 9 16 Housing.................................. 331 202 227 257 523 410 224 Housekeeping supplies.................. 46 51 42 43 47 63 35 Household textiles..................... 17 d/ 1 d/ 9 8 22 54 d/ 19 Appliances and miscellaneous housewares........................... 25 d/ 17 27 17 29 49 11 Major appliances..................... 8 d/ 3 d/ 15 d/ 2 11 8 d/ 1 Small appliances and miscellaneous housewares......................... 18 d/ 15 d/ 12 15 19 41 d/ 9 Miscellaneous household equipment...... 72 68 42 47 127 86 47 Other housing.......................... 170 64 107 142 298 157 112 Apparel and services..................... 275 192 249 207 366 392 211 Males, 2 and over...................... 80 52 59 45 141 99 72 Females, 2 and over.................... 89 44 74 63 123 157 66 Children under 2....................... 58 56 83 55 52 65 16 Other apparel products and services.... 47 d/ 39 33 44 50 70 57 Jewelry and watches.................. 15 d/ 13 16 10 15 31 d/ 12 All other apparel products and services............................ 32 d/ 25 d/ 18 34 35 d/ 39 d/ 45 Transportation........................... 97 190 15 89 168 113 20 Health care.............................. 24 d/ 3 d/ 8 11 30 82 d/ 22 Entertainment............................ 92 102 54 78 101 115 172 Toys, games, hobbies, and tricycles.... 26 9 26 20 28 45 31 Other entertainment.................... 66 93 29 59 73 70 141 Personal care products and services...... 22 13 18 16 33 33 d/ 18 Reading.................................. 1 c/ 1 1 1 2 2 Education................................ 248 d/ 47 16 151 608 340 49 All other gifts.......................... 87 28 23 76 148 138 76 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. n.a. Not applicable.