Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Total Item two or Under 25-34 35-44 45-54 55-64 65 and 65-74 75 and more 25 over over persons Number of consumer units (in thousands)...... 80,240 3,869 14,959 20,142 17,734 11,515 12,021 7,209 4,812 Income before taxes a/ ...................... $60,125 $31,802 $54,249 $65,991 $75,071 $66,525 $39,601 $43,309 $33,961 Income after taxes a/ ....................... 57,266 31,234 52,266 63,102 70,885 63,140 37,347 41,518 31,002 Age of the reference person.................. 46.9 21.8 29.9 39.7 49.2 59.0 73.4 69.1 80.0 Average number in consumer unit: Persons..................................... 3.1 2.9 3.4 3.7 3.1 2.6 2.3 2.4 2.2 Children under 18........................... .9 .8 1.4 1.6 .7 .2 .1 .1 .1 Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.6 1.7 1.7 1.8 2.0 1.6 .7 .8 .5 Vehicles.................................... 2.3 1.6 2.0 2.3 2.8 2.6 2.1 2.3 1.7 Percent distribution: Male........................................ 53 40 49 49 53 59 63 63 63 Female...................................... 47 60 51 51 47 41 37 37 37 Homeowner................................... 73 25 55 72 82 87 89 90 88 With mortgage.............................. 49 15 47 61 61 48 24 31 14 Without mortgage........................... 25 10 7 12 20 39 65 59 74 Renter...................................... 27 75 45 28 18 13 11 10 12 Black or African American................... 12 16 14 14 11 10 9 9 9 White, Asian, and All Other Races........... 88 84 86 86 89 90 91 91 91 Elementary (1-8)............................ 5 3 4 4 4 6 12 10 15 High school (9-12).......................... 38 47 35 38 35 38 45 45 43 College..................................... 56 49 61 58 61 56 43 44 41 Never attended and other.................... c/ c/ c/ c/ c/ c/ 1 1 c/ At least one vehicle owned or leased........ 93 85 91 93 95 95 93 94 91 Average annual expenditures.................. $47,717 $31,668 $44,061 $51,582 $55,302 $51,107 $36,560 $39,483 $32,153 Food........................................ 6,362 4,856 5,941 6,927 7,175 6,482 5,128 5,561 4,470 Food at home............................. 3,748 2,873 3,491 4,044 4,131 3,751 3,313 3,523 2,993 Cereals and bakery products............ 536 420 497 603 578 497 491 502 474 Cereals and cereal products.......... 184 160 183 212 195 161 150 153 147 Bakery products...................... 352 259 314 391 383 336 340 349 327 Meats, poultry, fish, and eggs......... 994 744 925 1,040 1,123 1,020 876 947 769 Beef................................. 297 215 283 302 348 310 246 284 188 Pork................................. 208 158 180 218 230 215 204 214 187 Other meats.......................... 123 87 109 137 138 125 109 115 101 Poultry.............................. 176 143 179 191 199 161 140 143 135 Fish and seafood..................... 148 102 136 146 165 169 136 148 118 Eggs................................. 42 38 40 45 43 40 42 43 40 Dairy products......................... 395 295 370 439 426 379 354 372 327 Fresh milk and cream................. 153 124 150 176 157 137 135 137 132 Other dairy products................. 242 171 220 264 269 241 220 236 195 Fruits and vegetables.................. 647 477 582 667 717 676 629 656 587 Fresh fruits......................... 208 140 178 212 236 227 202 210 190 Fresh vegetables..................... 207 151 183 209 233 215 209 220 192 Processed fruits..................... 132 111 125 141 141 130 123 125 120 Processed vegetables................. 100 75 95 104 107 104 94 101 84 Other food at home..................... 1,176 937 1,116 1,295 1,286 1,178 963 1,046 837 Sugar and other sweets............... 141 91 119 162 153 145 130 138 118 Fats and oils........................ 102 74 91 104 114 106 103 112 91 Miscellaneous foods.................. 573 516 584 634 609 545 445 481 390 Nonalcoholic beverages............... 313 240 289 346 357 321 240 261 208 Food prepared by consumer unit on out-of-town trips................... 47 17 34 49 54 62 45 54 30 Food away from home.................... 2,614 1,983 2,451 2,883 3,044 2,731 1,815 2,038 1,477 Alcoholic beverages......................... 425 546 393 396 524 445 294 355 202 Housing..................................... 15,298 10,129 15,262 17,289 16,980 15,562 10,960 11,783 9,722 Shelter.................................. 8,827 6,220 9,240 10,244 9,877 8,469 5,569 6,090 4,788 Owned dwellings........................ 6,286 1,428 5,512 7,648 7,679 6,574 4,197 4,746 3,375 Mortgage interest and charges........ 3,673 823 3,865 4,981 4,596 3,177 1,274 1,673 678 Property taxes....................... 1,509 428 996 1,611 1,778 1,914 1,536 1,596 1,447 Maintenance, repairs, insurance,other expenses............................ 1,104 177 651 1,056 1,304 1,483 1,387 1,478 1,250 Rented dwellings....................... 1,986 4,635 3,443 2,122 1,421 1,039 836 744 973 Other lodging.......................... 555 157 285 474 777 856 536 600 441 Utilities, fuels, and public services.... 3,172 2,082 2,798 3,341 3,561 3,402 2,910 3,039 2,715 Natural gas............................ 412 183 350 431 465 439 427 417 443 Electricity............................ 1,169 771 989 1,233 1,293 1,281 1,126 1,178 1,048 Fuel oil and other fuels............... 113 36 68 109 124 157 140 148 127 Telephone services..................... 1,095 905 1,089 1,165 1,250 1,096 817 887 711 Water and other public services........ 382 187 302 403 429 428 400 409 387 Household operations..................... 846 382 1,059 1,117 724 680 618 533 745 Personal services...................... 395 259 765 649 182 99 150 52 298 Other household expenses............... 451 123 294 468 542 581 468 481 447 Housekeeping supplies.................... 642 349 479 654 719 854 618 715 471 Laundry and cleaning supplies.......... 158 125 152 167 174 157 138 155 111 Other household products............... 335 152 220 339 374 516 311 371 219 Postage and stationery................. 149 71 107 148 171 182 170 189 141 Household furnishings and equipment...... 1,812 1,096 1,685 1,933 2,100 2,157 1,245 1,406 1,002 Household textiles..................... 148 109 134 132 178 180 129 145 105 Furniture.............................. 491 292 536 568 514 560 265 287 232 Floor coverings........................ 57 11 36 58 70 85 49 56 39 Major appliances....................... 233 138 209 252 253 268 203 227 166 Small appliances, miscellaneous housewares............................ 111 91 94 95 136 151 90 108 64 Miscellaneous household equipment...... 772 455 676 828 948 913 509 583 397 Apparel and services........................ 2,026 1,670 2,104 2,341 2,274 1,968 1,194 1,401 879 Men and boys............................. 477 326 462 611 558 403 272 328 186 Men, 16 and over....................... 356 265 312 398 446 353 243 292 168 Boys, 2 to 15.......................... 121 61 150 214 112 50 29 37 18 Women and girls.......................... 790 564 715 875 950 859 510 585 396 Women, 16 and over..................... 639 488 539 598 814 798 471 535 374 Girls, 2 to 15......................... 151 76 175 277 137 61 39 51 22 Children under 2......................... 109 214 228 115 59 64 27 29 24 Footwear................................. 364 338 400 443 393 297 213 250 157 Other apparel products and services...... 286 229 300 296 313 345 172 209 116 Transportation.............................. 9,400 7,159 9,216 9,976 10,832 10,103 6,600 7,480 5,281 Vehicle purchases (net outlay)........... 4,543 3,737 4,664 4,861 5,091 4,854 3,012 3,437 2,375 Cars and trucks, new................... 2,320 1,010 1,924 2,591 2,616 2,781 1,901 2,091 1,615 Cars and trucks, used.................. 2,140 2,663 2,649 2,183 2,339 2,033 1,076 1,289 759 Other vehicles......................... 83 d/ 65 91 86 136 d/ 40 d/ 35 d/ 58 d/ 1 Gasoline and motor oil................... 1,545 1,285 1,466 1,665 1,799 1,601 1,099 1,255 866 Other vehicle expenses................... 2,875 1,940 2,715 3,035 3,438 3,049 2,109 2,364 1,727 Vehicle finance charges................ 484 365 565 557 568 440 217 272 134 Maintenance and repairs................ 765 484 609 819 910 875 642 718 527 Vehicle insurance...................... 1,071 762 978 1,075 1,322 1,116 862 928 763 Vehicle rental, leases, licenses, other charges.............................. 555 329 562 584 638 618 388 445 302 Public transportation.................... 437 196 372 415 504 599 380 424 314 Health care................................. 2,735 920 1,651 2,262 2,826 3,540 4,565 4,369 4,860 Health insurance......................... 1,395 487 906 1,176 1,337 1,717 2,437 2,353 2,564 Medical services......................... 693 224 450 644 824 957 780 806 742 Drugs.................................... 525 162 232 333 524 724 1,144 1,037 1,305 Medical supplies......................... 123 48 63 108 141 142 203 173 248 Entertainment............................... 2,465 1,345 2,170 2,838 2,826 2,732 1,789 2,146 1,251 Fees and admissions...................... 615 262 456 750 739 717 417 475 329 Television, radios, sound equipment...... 812 599 804 899 915 824 578 637 490 Pets, toys, and playground equipment..... 450 267 447 492 510 447 359 462 202 Other entertainment supplies, equipment,and services.................. 589 216 463 698 661 743 435 572 230 Personal care products and services......... 614 420 537 668 683 637 559 594 506 Reading..................................... 146 59 101 129 173 196 173 172 174 Education................................... 867 917 567 831 1,588 879 206 267 115 Tobacco products and smoking supplies....... 348 380 326 354 428 381 205 258 126 Miscellaneous............................... 775 519 620 758 967 861 716 716 715 Cash contributions.......................... 1,453 527 760 1,247 1,672 1,746 2,356 2,001 2,887 Personal insurance and pensions............. 4,803 2,222 4,413 5,566 6,355 5,574 1,814 2,381 966 Life and other personal insurance........ 498 73 254 447 676 714 555 668 387 Pensions and Social Security............. 4,305 2,148 4,159 5,119 5,679 4,860 1,259 1,713 579 Sources of income and personal taxes: a/ Money income before taxes.................. 60,125 31,802 54,249 65,991 75,071 66,525 39,601 43,309 33,961 Wages and salaries....................... 49,763 28,963 51,137 60,081 66,314 51,792 12,155 16,710 5,225 Self-employment income................... 2,627 853 1,241 3,017 4,064 3,017 1,866 2,306 1,195 Social Security, private and government retirement................... 5,494 299 417 893 2,403 8,618 22,648 21,896 23,791 Interest, dividends, rental income, other property income................... 1,074 77 260 666 1,157 2,045 2,068 1,653 2,698 Unemployment and workers'' compensation, veterans'' benefits..................... 292 138 276 320 369 366 134 133 135 Public assistance, supplemental security, income, food stamps..................... 381 533 382 401 320 426 344 330 366 Regular contributions for support........ 365 655 391 490 332 151 278 159 459 Other income............................. 129 284 143 123 112 110 110 122 92 Personal taxes............................. 2,858 567 1,983 2,889 4,185 3,385 2,254 1,791 2,959 Federal income taxes..................... 2,078 347 1,338 2,044 3,081 2,462 1,826 1,286 2,648 State and local income taxes............. 584 193 548 681 862 599 182 232 105 Other taxes.............................. 196 27 97 164 242 324 246 272 206 Income after taxes......................... 57,266 31,234 52,266 63,102 70,885 63,140 37,347 41,518 31,002 Net change in total assets and liabilities... -12,595 751 -15,605 -16,617 -16,955 -6,711 -5,608 -6,834 -3,771 Net change in total assets............... 7,514 8,604 13,826 9,011 6,351 7,019 -1,009 -715 -1,448 Net change in total liabilities.......... 20,109 7,853 29,431 25,628 23,306 13,731 4,599 6,119 2,323 Other financial information: Other money receipts..................... 583 136 205 336 706 1,549 506 400 665 Mortgage principal paid on owned property................................ -1,858 -295 -1,159 -2,202 -2,600 -2,415 -1,024 -1,353 -532 Estimated market value of owned home..... 132,746 25,502 86,718 136,021 156,237 173,237 145,613 155,133 131,352 Estimated monthly rental value of owned home.................................... 845 212 607 889 980 1,011 914 938 878 Gifts of goods and services................. 1,138 443 633 821 1,748 1,852 945 1,162 617 Food..................................... 98 32 29 56 167 215 63 74 46 Alcoholic beverages...................... 16 16 18 17 19 16 11 16 2 Housing.................................. 273 105 195 224 388 371 249 288 190 Housekeeping supplies.................. 47 29 35 46 55 61 47 59 29 Household textiles..................... 16 d/ 3 10 11 19 33 15 19 8 Appliances and miscellaneous housewares........................... 29 13 16 21 34 52 32 37 26 Major appliances..................... 9 c/ 3 7 10 21 10 9 12 Small appliances and miscellaneous housewares......................... 19 13 13 14 24 31 22 28 14 Miscellaneous household equipment...... 69 21 45 55 94 101 75 90 52 Other housing.......................... 112 38 89 90 186 124 80 84 75 Apparel and services..................... 250 166 209 216 279 380 219 287 117 Males, 2 and over...................... 66 42 45 59 78 91 73 94 42 Females, 2 and over.................... 87 29 66 67 96 157 87 118 39 Children under 2....................... 49 56 62 53 46 54 23 27 18 Other apparel products and services.... 48 38 36 38 59 77 36 48 17 Jewelry and watches.................. 19 10 19 13 23 34 12 14 9 All other apparel products and services............................ 29 d/ 28 17 24 37 43 24 34 8 Transportation........................... 48 11 46 27 80 72 29 33 23 Health care.............................. 33 d/ 3 10 21 53 56 41 49 29 Entertainment............................ 82 36 58 72 101 130 70 85 46 Toys, games, hobbies, and tricycles.... 31 12 20 22 37 55 31 43 14 Other entertainment.................... 51 24 38 49 64 75 38 43 31 Personal care products and services...... 21 10 15 22 26 22 21 28 11 Reading.................................. 1 c/ c/ 1 1 2 3 2 3 Education................................ 234 39 20 117 533 432 129 163 76 All other gifts.......................... 81 23 35 48 103 155 111 137 73 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.