Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Total Under 65 and Item three 25 25-34 35-44 45-54 55-64 over persons Number of consumer units (in thousands)...... 17,277 999 4,078 4,714 4,226 1,874 1,385 Income before taxes a/ ...................... $51,118 $27,217 $43,934 $51,043 $66,652 $55,763 $37,067 Income after taxes a/ ....................... 47,076 26,167 40,712 46,784 60,585 51,282 35,827 Age of the reference person.................. 43.2 22.0 29.7 39.5 49.1 58.7 72.1 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 1.0 1.1 1.1 .6 .3 .2 Persons 65 and over......................... .2 b/ b/ b/ b/ .2 1.6 Earners..................................... 1.8 1.7 1.6 1.8 2.1 1.9 1.2 Vehicles.................................... 2.3 1.7 1.9 2.2 2.9 2.7 2.3 Percent distribution: Male........................................ 58 47 53 52 64 70 66 Female...................................... 42 53 47 48 36 30 34 Homeowner................................... 68 23 48 70 83 85 87 With mortgage.............................. 49 16 40 58 63 49 27 Without mortgage........................... 19 7 8 12 20 37 60 Renter...................................... 32 77 52 30 17 15 13 Black....................................... 15 17 19 16 10 13 16 White and other............................. 85 83 81 84 90 87 84 Elementary (1-8)............................ 5 4 3 3 3 10 18 High school (9-12).......................... 40 55 40 41 31 44 51 College..................................... 54 40 57 56 65 46 30 Never attended and other.................... c/ c/ c/ d/ c/ 1 1 At least one vehicle owned or leased........ 92 82 88 92 96 94 92 Average annual expenditures.................. $42,162 $27,686 $36,195 $42,150 $52,295 $46,021 $34,400 Food........................................ 5,737 4,190 4,819 6,004 6,631 6,272 5,423 Food at home............................. 3,361 2,646 2,819 3,546 3,739 3,433 3,705 Cereals and bakery products............ 514 411 412 550 574 525 582 Cereals and cereal products.......... 177 146 152 192 193 178 173 Bakery products...................... 337 265 260 357 381 347 409 Meats, poultry, fish, and eggs......... 869 656 680 924 945 988 1,056 Beef................................. 259 202 204 268 268 323 334 Pork................................. 181 156 132 193 193 228 221 Other meats.......................... 107 79 83 122 118 86 146 Poultry.............................. 162 107 139 171 182 171 182 Fish and seafood..................... 125 86 95 134 148 142 121 Eggs................................. 35 26 27 36 37 38 52 Dairy products......................... 372 277 317 403 406 362 412 Fresh milk and cream................. 145 116 126 160 150 138 162 Other dairy products................. 227 162 191 244 256 224 250 Fruits and vegetables.................. 557 393 466 568 642 573 649 Fresh fruits......................... 168 120 143 166 199 174 188 Fresh vegetables..................... 169 103 147 171 192 194 190 Processed fruits..................... 125 95 102 125 151 120 150 Processed vegetables................. 94 75 75 106 101 85 121 Other food at home..................... 1,051 909 944 1,101 1,172 985 1,006 Sugar and other sweets............... 126 88 102 141 145 126 123 Fats and oils........................ 92 75 75 95 101 101 114 Miscellaneous foods.................. 497 486 487 514 535 421 449 Nonalcoholic beverages............... 283 241 243 300 329 257 275 Food prepared by consumer unit on out-of-town trips................... 52 19 37 52 63 80 45 Food away from home.................... 2,375 1,544 2,000 2,458 2,892 2,839 1,717 Alcoholic beverages......................... 312 264 292 360 304 353 206 Housing..................................... 13,371 8,816 12,767 13,842 15,557 13,298 10,294 Shelter.................................. 7,620 5,048 7,388 7,970 8,985 7,260 5,298 Owned dwellings........................ 5,210 946 4,209 5,653 6,914 5,498 4,137 Mortgage interest and charges........ 3,235 582 2,961 3,779 4,234 3,026 1,337 Property taxes....................... 1,160 196 763 1,042 1,622 1,562 1,477 Maintenance, repairs, insurance,other expenses............................ 815 167 485 832 1,058 910 1,323 Rented dwellings....................... 1,941 3,999 2,972 1,987 1,177 1,037 812 Other lodging.......................... 470 104 206 330 894 724 348 Utilities, fuels, and public services.... 2,751 1,747 2,379 2,703 3,204 3,128 2,842 Natural gas............................ 311 145 271 289 350 403 380 Electricity............................ 1,033 721 853 1,016 1,218 1,169 1,095 Fuel oil and other fuels............... 84 e/ 21 48 74 115 111 138 Telephone services..................... 992 749 953 997 1,118 1,016 849 Water and other public services........ 331 110 255 326 404 429 380 Household operations..................... 783 418 1,079 913 666 567 372 Personal services...................... 472 321 902 616 234 99 e/ 55 Other household expenses............... 311 97 177 298 432 469 318 Housekeeping supplies.................... 527 296 447 590 617 487 513 Laundry and cleaning supplies.......... 130 93 110 148 135 114 161 Other household products............... 253 133 213 293 294 237 233 Postage and stationery................. 144 71 125 149 188 136 118 Household furnishings and equipment...... 1,690 1,307 1,474 1,666 2,086 1,856 1,269 Household textiles..................... 117 72 103 118 137 99 154 Furniture.............................. 433 459 490 409 472 399 252 Floor coverings........................ 47 e/ 56 51 42 46 55 32 Major appliances....................... 190 116 149 165 249 241 204 Small appliances, miscellaneous housewares............................ 96 66 61 107 114 131 90 Miscellaneous household equipment...... 808 538 620 825 1,069 931 538 Apparel and services........................ 2,022 1,745 1,847 2,023 2,459 2,084 1,306 Men and boys............................. 483 385 384 447 688 464 375 Men, 16 and over....................... 378 294 260 312 601 408 303 Boys, 2 to 15.......................... 105 91 125 135 87 57 72 Women and girls.......................... 749 502 638 796 934 798 482 Women, 16 and over..................... 619 402 509 604 814 736 445 Girls, 2 to 15......................... 129 99 129 193 120 63 38 Children under 2......................... 132 364 257 104 40 52 e/ 35 Footwear................................. 346 296 304 387 382 378 219 Other apparel products and services...... 312 199 263 289 414 392 195 Transportation.............................. 8,667 7,544 7,533 8,041 10,929 9,736 6,616 Vehicle purchases (net outlay)........... 4,167 4,609 3,696 3,877 5,220 4,427 2,654 Cars and trucks, new................... 2,065 1,375 1,411 1,928 2,832 2,739 1,707 Cars and trucks, used.................. 2,039 3,015 2,249 1,900 2,285 1,676 935 Other vehicles......................... 63 e/ 219 e/ 37 e/ 49 e/ 103 e/ 13 e/ 13 Gasoline and motor oil................... 1,253 939 1,119 1,209 1,545 1,295 1,084 Other vehicle expenses................... 2,851 1,841 2,455 2,583 3,684 3,458 2,314 Vehicle finance charges................ 457 428 484 422 545 443 266 Maintenance and repairs................ 792 433 574 744 1,072 1,023 703 Vehicle insurance...................... 935 614 703 811 1,286 1,172 878 Vehicle rental, leases, licenses, other charges.............................. 667 366 694 606 781 819 468 Public transportation.................... 396 154 263 372 480 556 564 Health care................................. 1,929 751 1,256 1,709 2,404 2,499 3,309 Health insurance......................... 936 347 672 777 1,137 1,150 1,775 Medical services......................... 571 252 380 569 730 727 681 Drugs.................................... 322 128 146 257 406 483 736 Medical supplies......................... 101 25 59 106 131 140 117 Entertainment............................... 2,121 1,106 1,846 2,235 2,539 2,442 1,580 Fees and admissions...................... 478 172 340 451 683 598 410 Television, radios, sound equipment...... 675 494 623 713 787 646 526 Pets, toys, and playground equipment..... 390 219 416 437 422 334 261 Other entertainment supplies, equipment,and services.................. 578 221 468 635 647 864 383 Personal care products and services......... 450 312 380 478 540 493 350 Reading..................................... 166 68 116 159 223 192 201 Education................................... 770 363 284 642 1,516 993 353 Tobacco products and smoking supplies....... 355 349 277 373 388 422 332 Miscellaneous............................... 953 465 681 922 1,261 1,122 1,047 Cash contributions.......................... 1,071 195 501 940 1,535 1,912 1,277 Personal insurance and pensions............. 4,237 1,518 3,595 4,422 6,008 4,200 2,105 Life and other personal insurance........ 459 124 244 383 733 596 565 Pensions and Social Security............. 3,779 1,394 3,351 4,039 5,275 3,604 1,539 Sources of income and personal taxes: a/ Money income before taxes.................. 51,118 27,217 43,934 51,043 66,652 55,763 37,067 Wages and salaries....................... 44,103 24,811 41,011 46,208 58,648 44,359 16,133 Self-employment income................... 2,535 e/ 433 1,524 2,499 3,896 3,199 2,198 Social Security, private and government retirement................... 2,656 e/ 41 200 742 1,817 5,713 16,559 Interest, dividends, rental income, other property income................... 633 e/ 102 208 286 1,097 1,420 1,071 Unemployment and workers'' compensation, veterans'' benefits..................... 193 e/ 332 103 166 202 353 233 Public assistance, supplemental security, income, food stamps..................... 381 854 436 334 283 370 370 Regular contributions for support........ 389 471 302 682 325 e/ 148 e/ 86 Other income............................. 229 172 151 127 384 201 e/ 417 Personal taxes............................. 4,042 1,049 3,222 4,258 6,066 4,480 1,240 Federal income taxes..................... 3,119 738 2,459 3,312 4,663 3,633 834 State and local income taxes............. 748 288 681 780 1,118 675 147 Other taxes.............................. 175 e/ 23 82 165 286 173 259 Income after taxes......................... 47,076 26,167 40,712 46,784 60,585 51,282 35,827 Net change in total assets and liabilities... -2,205 2,500 -3,632 -5,067 -635 -443 1,165 Net change in total assets............... 7,785 6,074 10,462 6,789 7,720 9,235 2,762 Net change in total liabilities.......... 9,990 3,573 14,095 11,856 8,355 9,677 1,596 Other financial information: Other money receipts..................... 571 112 1,188 314 625 118 411 Mortgage principal paid on owned property................................ -1,361 -174 -735 -1,440 -2,127 -1,884 -743 Estimated market value of owned home..... 90,729 13,638 58,663 84,972 121,696 131,792 110,295 Estimated monthly rental value of owned home.................................... 639 136 439 638 824 823 779 Gifts of goods and services................. 1,182 458 702 935 2,065 1,395 1,003 Food..................................... 98 e/ 11 33 58 242 109 37 Housing.................................. 361 120 310 244 592 465 259 Housekeeping supplies.................. 49 e/ 16 39 64 61 43 23 Household textiles..................... 18 e/ 4 e/ 17 11 40 9 e/ 5 Appliances and miscellaneous housewares........................... 34 e/ 11 18 23 50 80 e/ 32 Major appliances..................... 7 e/ 7 e/ 3 6 14 e/ 10 e/ 2 Small appliances and miscellaneous housewares......................... 27 e/ 4 15 17 37 70 e/ 31 Miscellaneous household equipment...... 72 47 48 67 82 162 31 Other housing.......................... 188 42 189 79 358 171 168 Apparel and services..................... 232 222 207 210 279 276 188 Males, 2 and over...................... 55 37 47 41 70 98 49 Females, 2 and over.................... 79 48 58 85 105 93 52 Children under 2....................... 53 117 71 47 34 45 e/ 33 Other apparel products and services.... 44 e/ 21 32 37 70 40 54 Jewelry and watches.................. 15 e/ 10 8 11 29 e/ 14 e/ 17 All other apparel products and services............................ 29 e/ 10 24 e/ 25 42 e/ 27 e/ 37 Transportation........................... 58 12 9 54 93 52 151 Health care.............................. 33 e/ 2 e/ 6 26 49 43 e/ 92 Entertainment............................ 83 24 67 64 121 101 103 Toys, games, hobbies, and tricycles.... 27 e/ 15 23 23 34 38 30 Other entertainment.................... 56 e/ 8 44 41 87 63 73 Education................................ 210 e/ 11 e/ 12 149 556 242 e/ 42 All other gifts.......................... 108 58 57 130 133 107 132 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. n.a. Not applicable.