Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Total Under 65 and Item four 25 25-34 35-44 45-54 55-64 over persons ___________________________________________________________________ Number of consumer units (in thousands)...... 15,259 578 3,718 6,382 3,365 768 448 Income before taxes a/ ...................... $55,875 $23,110 $43,320 $58,805 $71,187 $53,320 $50,948 Income after taxes a/ ....................... 51,797 22,346 40,573 54,388 65,409 49,467 48,528 Age of the reference person.................. 40.5 22.0 30.4 39.5 48.6 58.7 70.9 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.7 1.9 2.0 1.9 1.3 .7 .6 Persons 65 and over......................... .1 b/ b/ b/ b/ .2 1.5 Earners..................................... 2.0 1.6 1.7 2.0 2.5 2.4 1.6 Vehicles.................................... 2.5 1.4 2.0 2.6 3.1 3.0 2.8 Percent distribution: Male........................................ 67 49 58 69 77 58 73 Female...................................... 33 51 42 31 23 42 27 Homeowner................................... 75 23 62 78 87 84 89 With mortgage.............................. 60 15 53 67 69 47 36 Without mortgage........................... 15 8 10 11 17 37 52 Renter...................................... 25 77 38 22 13 16 11 Black....................................... 12 26 13 12 9 20 17 White and other............................. 88 74 87 88 91 80 83 Elementary (1-8)............................ 5 8 3 4 4 12 30 High school (9-12).......................... 39 67 48 38 27 40 37 College..................................... 56 25 49 58 68 48 32 Never attended and other.................... c/ d/ c/ c/ c/ d/ 1 At least one vehicle owned or leased........ 93 73 90 94 97 93 90 Average annual expenditures.................. $46,044 $25,309 $37,679 $48,552 $55,089 $45,242 $41,335 Food....................................... 6,557 4,918 5,352 6,938 7,633 6,583 5,626 Food at home............................. 4,018 3,333 3,503 4,158 4,452 4,295 3,700 Cereals and bakery products............ 649 512 538 688 728 690 592 Cereals and cereal products.......... 236 201 206 243 260 258 237 Bakery products...................... 413 311 332 446 468 432 355 Meats, poultry, fish, and eggs......... 1,017 989 922 1,005 1,138 1,127 970 Beef................................. 309 313 285 298 353 325 290 Pork................................. 209 240 187 206 226 246 198 Other meats.......................... 133 123 113 137 148 136 147 Poultry.............................. 208 163 187 215 230 213 187 Fish and seafood..................... 117 101 113 111 134 142 94 Eggs................................. 42 48 37 39 47 65 54 Dairy products......................... 447 321 386 489 458 468 434 Fresh milk and cream................. 187 167 166 206 175 193 213 Other dairy products................. 260 154 221 284 282 274 221 Fruits and vegetables.................. 636 520 533 648 728 723 675 Fresh fruits......................... 197 162 157 203 229 212 214 Fresh vegetables..................... 182 137 151 181 209 228 220 Processed fruits..................... 142 116 119 144 168 175 116 Processed vegetables................. 116 105 105 120 123 108 125 Other food at home..................... 1,267 990 1,123 1,328 1,400 1,288 1,029 Sugar and other sweets............... 158 99 127 177 170 190 113 Fats and oils........................ 107 83 97 109 114 141 106 Miscellaneous foods.................. 598 456 559 638 630 551 436 Nonalcoholic beverages............... 338 334 302 343 375 351 298 Food prepared by consumer unit on out-of-town trips................... 65 e/ 18 40 62 110 55 e/ 75 Food away from home...................... 2,539 1,585 1,849 2,779 3,181 2,288 1,925 Alcoholic beverages......................... 269 104 217 315 282 331 124 Housing..................................... 14,817 7,863 13,047 16,074 16,259 13,069 12,987 Shelter.................................. 8,215 4,611 7,056 9,072 9,161 6,249 6,530 Owned dwellings........................ 6,120 1,088 4,617 7,152 7,149 4,818 4,871 Mortgage interest and charges........ 3,877 681 3,194 4,652 4,330 2,369 1,814 Property taxes....................... 1,320 161 886 1,447 1,643 1,558 1,766 Maintenance, repairs, insurance,other expenses............................ 923 e/ 246 538 1,053 1,177 891 1,291 Rented dwellings....................... 1,581 3,377 2,271 1,407 1,058 1,003 949 Other lodging.......................... 514 e/ 146 168 513 954 427 709 Utilities, fuels, and public services.... 3,030 1,712 2,637 3,051 3,474 3,544 3,473 Natural gas............................ 366 179 329 365 411 463 414 Electricity............................ 1,165 735 1,028 1,165 1,316 1,342 1,430 Fuel oil and other fuels............... 126 e/ 31 82 115 191 159 226 Telephone services..................... 993 658 898 1,006 1,112 1,094 973 Water and other public services........ 380 108 300 400 444 487 430 Household operations..................... 994 506 1,218 1,102 789 455 687 Personal services...................... 657 452 1,015 760 281 169 e/ 139 Other household expenses............... 337 54 203 342 508 286 548 Housekeeping supplies.................... 639 266 525 768 604 636 584 Laundry and cleaning supplies.......... 169 136 143 180 176 165 222 Other household products............... 312 113 262 403 267 257 174 Postage and stationery................. 158 e/ 18 120 185 160 214 188 Household furnishings and equipment...... 1,940 767 1,611 2,081 2,232 2,184 1,714 Household textiles..................... 156 57 136 128 238 286 e/ 42 Furniture.............................. 507 293 446 582 486 483 438 Floor coverings........................ 114 e/ 11 48 189 58 e/ 235 e/ 30 Major appliances....................... 199 128 197 184 214 297 263 Small appliances, miscellaneous housewares............................ 115 36 93 111 171 114 42 Miscellaneous household equipment...... 848 243 691 887 1,066 769 899 Apparel and services....................... 2,411 1,596 2,047 2,716 2,685 1,891 1,207 Men and boys............................. 593 395 440 725 652 418 190 Men, 16 and over....................... 396 316 274 464 477 366 e/ 74 Boys, 2 to 15.......................... 197 79 166 261 175 52 115 Women and girls.......................... 917 342 748 1,045 1,111 621 370 Women, 16 and over..................... 652 242 518 689 877 572 258 Girls, 2 to 15......................... 265 100 229 356 233 49 113 Children under 2......................... 143 242 246 126 55 e/ 116 e/ 78 Footwear................................. 447 468 370 504 455 470 e/ 253 Other apparel products and services...... 310 150 243 315 413 267 317 Transportation............................. 9,026 5,785 7,231 9,083 11,030 11,101 8,754 Vehicle purchases (net outlay)........... 4,110 3,067 3,523 4,127 4,610 6,034 e/ 3,038 Cars and trucks, new................... 1,801 e/ 49 1,487 1,985 2,063 e/ 2,054 e/ 1,622 Cars and trucks, used.................. 2,258 2,982 1,953 2,077 2,539 3,962 1,417 Other vehicles......................... 51 e/ 35 e/ 83 e/ 64 e/ 8 e/ 18 d/ Gasoline and motor oil................... 1,445 904 1,189 1,454 1,795 1,482 1,449 Other vehicle expenses................... 3,047 1,671 2,294 3,095 3,959 3,164 3,395 Vehicle finance charges................ 453 384 455 433 530 399 310 Maintenance and repairs................ 881 370 606 949 1,184 730 889 Vehicle insurance...................... 1,004 553 734 971 1,342 1,209 1,408 Vehicle rental, leases, licenses, other charges......................... 709 363 499 742 904 825 789 Public transportation.................... 424 143 224 407 666 422 870 Health care................................ 1,999 890 1,482 1,996 2,539 2,248 3,307 Health insurance......................... 934 448 723 940 1,085 1,148 1,716 Medical services......................... 668 295 515 635 928 736 830 Drugs.................................... 279 123 179 290 351 257 651 Medical supplies......................... 119 e/ 25 64 132 175 107 109 Entertainment.............................. 2,403 1,245 1,975 2,678 2,720 2,070 1,858 Fees and admissions...................... 606 123 362 700 847 349 565 Television, radios, sound equipment...... 734 647 641 767 774 817 709 Pets, toys, and playground equipment..... 496 292 475 558 494 386 302 Other entertainment supplies, equipment,and services.................. 567 183 498 652 605 518 281 Personal care products and services........ 487 382 356 512 606 629 312 Reading.................................... 181 48 127 178 253 182 299 Education.................................. 834 181 330 737 1,664 942 841 Tobacco products and smoking supplies...... 320 344 298 336 300 338 370 Miscellaneous.............................. 956 392 879 913 1,205 782 1,337 Cash contributions......................... 972 e/ 211 650 851 1,564 1,248 1,422 Personal insurance and pensions............ 4,812 1,349 3,688 5,224 6,350 3,828 2,892 Life and other personal insurance........ 549 73 347 568 765 752 580 Pensions and Social Security............. 4,264 1,276 3,341 4,656 5,585 3,076 2,312 Sources of income and personal taxes: a/ Money income before taxes................. 55,875 23,110 43,320 58,805 71,187 53,320 50,948 Wages and salaries....................... 49,734 18,611 40,330 53,401 63,185 44,310 25,378 Self-employment income................... 2,806 e/ 1,195 1,271 3,082 4,695 2,427 e/ 564 Social Security, private and government retirement................... 1,555 e/ 235 189 579 1,542 4,872 22,035 Interest, dividends, rental income, other property income................... 485 e/ 123 113 515 711 303 2,096 Unemployment and workers'' compensation, veterans'' benefits..................... 254 e/ 99 207 254 280 e/ 346 e/ 490 Public assistance, supplemental security, income, food stamps..................... 445 1,882 552 315 359 484 281 Regular contributions for support........ 308 e/ 276 520 283 191 e/ 153 e/ 73 Other income............................. 287 688 137 375 224 e/ 425 e/ 30 Personal taxes............................. 4,078 764 2,746 4,417 5,778 3,853 2,420 Federal income taxes..................... 3,017 521 1,948 3,295 4,308 2,903 1,815 State and local income taxes............. 882 240 714 901 1,257 622 512 Other taxes.............................. 179 e/ 3 84 220 213 328 93 Income after taxes.......................... 51,797 22,346 40,573 54,388 65,409 49,467 48,528 Net change in total assets and liabilities.. -1,337 5,928 -2,443 503 -3,341 -7,884 -1,469 Net change in total assets............... 8,394 8,423 7,447 11,990 5,544 661 -350 Net change in total liabilities.......... 9,731 2,495 9,890 11,487 8,884 8,545 1,119 Other financial information: Other money receipts..................... 432 e/ 6 144 599 560 e/ 77 e/ 660 Mortgage principal paid on owned property................................ -1,787 -133 -1,029 -1,944 -2,791 -1,356 -1,186 Estimated market value of owned home..... 100,183 18,157 64,174 106,623 132,089 127,899 125,843 Estimated monthly rental value of owned home.............................. 700 134 503 743 896 826 769 Gifts of goods and services................. 967 304 589 875 1,624 1,212 1,035 Food..................................... 83 e/ 1 38 68 195 48 e/ 8 Housing.................................. 328 150 264 284 521 409 200 Housekeeping supplies.................. 47 e/ 2 27 68 40 54 e/ 36 Household textiles..................... 21 d/ e/ 12 12 e/ 14 e/ 220 e/ 6 Appliances and miscellaneous housewares............................ 28 e/ 6 29 18 53 e/ 9 e/ 24 Major appliances..................... 6 d/ e/ 9 e/ 3 9 e/ 3 e/ 15 Small appliances and miscellaneous housewares.......................... 22 e/ 6 20 15 44 e/ 6 e/ 9 Miscellaneous household equipment...... 65 e/ 2 36 68 106 52 64 Other housing.......................... 168 140 161 119 308 e/ 74 e/ 70 Apparel and services..................... 227 e/ 71 179 253 255 185 325 Males, 2 and over...................... 53 e/ 8 42 53 73 31 e/ 76 Females, 2 and over.................... 89 e/ 15 59 117 90 47 110 Children under 2....................... 45 e/ 18 42 50 39 e/ 61 e/ 62 Other apparel products and services.... 40 e/ 30 36 32 52 e/ 47 e/ 78 Jewelry and watches.................. 13 e/ 5 6 11 19 e/ 27 e/ 43 All other apparel products and services............................ 27 e/ 25 e/ 31 22 34 e/ 20 e/ 34 Transportation........................... 23 e/ 3 9 24 44 10 28 Health care.............................. 27 e/ 2 e/ 4 15 64 e/ 103 e/ 14 Entertainment............................ 71 e/ 35 47 65 93 164 e/ 74 Toys, games, hobbies, and tricycles.... 30 e/ 29 30 33 20 43 e/ 41 Other entertainment.................... 41 e/ 6 17 32 73 121 e/ 33 Education................................ 118 e/ 14 e/ 8 79 301 e/ 135 e/ 329 All other gifts.......................... 89 29 39 88 152 158 56 _____________________________________________ 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.