Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Total Under 65 and 75 and Item two 25 25-34 35-44 45-54 55-64 over 65-74 over persons Number of consumer units (in thousands)...... 33,516 1,877 4,532 4,409 6,509 6,396 9,793 5,947 3,846 Income before taxes a/ ...................... $46,368 $24,567 $50,228 $51,249 $62,898 $55,424 $30,646 $32,476 $27,772 Income after taxes a/ ....................... 42,753 23,207 45,790 46,741 56,975 51,064 29,282 30,919 26,712 Age of the reference person.................. 52.8 21.8 29.1 39.6 49.7 59.5 73.5 69.2 80.2 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .2 .2 .2 .1 b/ b/ b/ b/ Persons 65 and over......................... .5 b/ b/ b/ b/ .1 1.7 1.6 1.8 Earners..................................... 1.2 1.6 1.7 1.6 1.6 1.3 .5 .6 .3 Vehicles.................................... 2.1 1.4 1.9 2.1 2.5 2.5 2.0 2.2 1.6 Percent distribution: Male........................................ 63 44 59 53 60 69 73 72 74 Female...................................... 37 56 41 47 40 31 27 28 26 Homeowner................................... 73 13 41 64 81 87 89 90 86 With mortgage.............................. 36 9 35 50 56 41 19 25 11 Without mortgage........................... 37 4 6 13 25 46 69 66 75 Renter...................................... 27 87 59 36 19 13 11 10 14 Black....................................... 10 17 14 11 9 8 7 8 5 White and other............................. 90 83 86 89 91 92 93 92 95 Elementary (1-8)............................ 6 1 2 2 3 6 13 11 16 High school (9-12).......................... 40 44 30 39 35 44 45 46 45 College..................................... 53 54 68 59 61 50 41 43 39 Never attended and other.................... c/ d/ c/ d/ c/ c/ 1 c/ 1 At least one vehicle owned or leased........ 92 80 91 92 95 94 93 94 91 Average annual expenditures.................. $37,867 $26,891 $39,402 $38,932 $45,470 $42,269 $30,837 $32,580 $28,128 Food........................................ 4,879 3,808 5,076 4,889 5,368 5,288 4,401 4,629 4,043 Food at home............................. 2,724 1,996 2,498 2,657 2,858 3,014 2,736 2,808 2,623 Cereals and bakery products............ 405 291 371 393 408 437 429 434 420 Cereals and cereal products.......... 131 110 136 136 130 126 135 137 133 Bakery products...................... 274 182 235 257 278 311 294 298 288 Meats, poultry, fish, and eggs......... 708 506 614 723 773 777 700 732 650 Beef................................. 213 195 175 231 230 238 198 214 174 Pork................................. 150 85 112 148 173 163 159 163 153 Other meats.......................... 90 57 83 83 103 100 87 91 81 Poultry.............................. 124 95 130 128 132 132 114 112 117 Fish and seafood..................... 101 48 91 103 104 109 109 119 93 Eggs................................. 31 26 24 31 31 36 33 33 32 Dairy products......................... 291 216 273 283 296 314 301 310 288 Fresh milk and cream................. 103 83 86 95 104 109 115 116 115 Other dairy products................. 188 133 187 188 192 204 186 194 174 Fruits and vegetables.................. 489 305 424 438 485 567 534 534 536 Fresh fruits......................... 152 83 114 126 151 188 175 175 174 Fresh vegetables..................... 153 77 143 139 151 179 164 166 160 Processed fruits..................... 104 91 98 94 101 109 113 108 122 Processed vegetables................. 80 54 69 79 82 92 83 85 80 Other food at home..................... 831 678 816 819 896 918 771 799 729 Sugar and other sweets............... 107 69 92 90 111 122 118 121 114 Fats and oils........................ 80 55 70 70 91 86 85 83 90 Miscellaneous foods.................. 366 329 396 361 383 396 331 343 313 Nonalcoholic beverages............... 226 198 211 258 259 243 189 193 183 Food prepared by consumer unit on out-of-town trips................... 51 28 49 41 52 71 48 60 29 Food away from home.................... 2,156 1,812 2,578 2,232 2,511 2,274 1,665 1,821 1,420 Alcoholic beverages......................... 371 364 514 434 407 351 262 302 199 Housing..................................... 12,042 8,493 13,386 12,888 14,256 13,224 9,470 9,929 8,756 Shelter.................................. 6,822 5,198 8,509 8,113 8,268 6,896 4,761 4,973 4,433 Owned dwellings........................ 4,475 632 4,075 5,322 6,125 5,252 3,412 3,701 2,964 Mortgage interest and charges........ 2,240 336 2,758 3,390 3,529 2,457 850 1,079 496 Property taxes....................... 1,193 125 781 1,071 1,431 1,462 1,310 1,380 1,202 Maintenance, repairs, insurance,other expenses............................ 1,042 171 536 861 1,165 1,334 1,251 1,241 1,266 Rented dwellings....................... 1,747 4,360 4,015 2,376 1,315 856 782 611 1,044 Other lodging.......................... 600 206 419 415 828 788 568 660 424 Utilities, fuels, and public services.... 2,456 1,524 2,160 2,376 2,802 2,718 2,407 2,530 2,219 Natural gas............................ 279 135 221 253 291 324 306 304 310 Electricity............................ 947 584 727 869 1,098 1,055 982 1,033 902 Fuel oil and other fuels............... 94 e/ 13 61 89 102 105 115 119 110 Telephone services..................... 843 717 963 912 986 883 659 716 570 Water and other public services........ 294 75 188 253 325 351 346 358 326 Household operations..................... 458 262 422 404 487 513 482 425 570 Personal services...................... 100 183 173 143 45 43 104 72 154 Other household expenses............... 358 80 248 261 442 470 378 354 416 Housekeeping supplies.................... 555 247 443 435 571 861 508 535 464 Laundry and cleaning supplies.......... 124 74 111 106 145 142 125 124 126 Other household products............... 286 100 200 208 281 543 228 244 201 Postage and stationery................. 144 73 131 122 145 175 155 167 137 Household furnishings and equipment...... 1,750 1,261 1,852 1,561 2,129 2,236 1,311 1,466 1,070 Household textiles..................... 121 60 83 95 189 136 110 128 82 Furniture.............................. 413 317 579 384 483 512 256 283 215 Floor coverings........................ 65 18 26 46 81 100 66 81 44 Major appliances....................... 197 181 149 215 196 228 191 193 188 Small appliances, miscellaneous housewares............................ 115 82 87 103 146 155 92 105 71 Miscellaneous household equipment...... 840 604 926 717 1,034 1,104 596 676 470 Apparel and services........................ 1,593 1,382 1,992 1,667 1,980 1,711 1,071 1,266 765 Men and boys............................. 368 281 455 383 402 417 281 338 191 Men, 16 and over....................... 340 268 424 341 379 382 259 307 183 Boys, 2 to 15.......................... 28 13 31 42 23 35 22 32 8 Women and girls.......................... 655 491 769 657 914 676 450 524 332 Women, 16 and over..................... 614 461 731 599 842 644 423 490 319 Girls, 2 to 15......................... 42 30 38 58 72 31 26 34 13 Children under 2......................... 36 70 66 42 26 29 24 31 e/ 14 Footwear................................. 249 253 268 281 306 272 169 204 114 Other apparel products and services...... 283 286 434 306 333 317 147 168 114 Transportation.............................. 7,059 6,500 7,848 7,465 8,112 7,610 5,558 6,162 4,625 Vehicle purchases (net outlay)........... 3,150 3,547 3,534 3,412 3,495 3,333 2,428 2,683 2,035 Cars and trucks, new................... 1,694 1,073 1,741 1,482 2,108 1,864 1,501 1,609 1,336 Cars and trucks, used.................. 1,431 2,384 1,759 1,894 1,349 1,459 925 1,071 699 Other vehicles......................... 24 e/ 91 e/ 34 e/ 36 e/ 38 e/ 11 e/ 2 e/ 3 d/ Gasoline and motor oil................... 1,058 869 1,092 1,139 1,266 1,204 807 917 636 Other vehicle expenses................... 2,317 1,798 2,659 2,453 2,837 2,438 1,772 1,948 1,499 Vehicle finance charges................ 305 310 463 362 406 318 128 175 56 Maintenance and repairs................ 686 545 611 695 790 739 639 661 605 Vehicle insurance...................... 782 593 867 764 915 797 688 731 622 Vehicle rental, leases, licenses, other charges.............................. 545 349 718 633 725 584 316 381 217 Public transportation.................... 535 286 563 462 513 634 552 614 456 Health care................................. 2,467 697 1,274 1,481 2,263 2,824 3,713 3,560 3,949 Health insurance......................... 1,177 362 595 683 904 1,260 1,952 1,897 2,037 Medical services......................... 647 174 394 489 810 864 676 659 703 Drugs.................................... 510 120 199 227 430 567 880 832 954 Medical supplies......................... 133 41 85 82 120 134 205 172 254 Entertainment............................... 1,993 1,492 1,925 2,050 2,302 2,440 1,587 1,840 1,198 Fees and admissions...................... 510 312 538 411 580 625 455 483 412 Television, radios, sound equipment...... 590 581 657 630 681 635 451 491 389 Pets, toys, and playground equipment..... 359 277 387 433 428 408 249 288 190 Other entertainment supplies, equipment,and services.................. 534 322 343 576 613 771 432 578 207 Personal care products and services......... 437 372 483 369 471 471 417 425 404 Reading..................................... 189 73 157 155 220 224 198 211 177 Education................................... 486 1,127 678 426 879 347 130 142 112 Tobacco products and smoking supplies....... 287 276 254 414 392 309 163 200 105 Miscellaneous............................... 895 449 845 1,010 1,080 1,093 696 721 657 Cash contributions.......................... 1,456 248 547 1,185 1,789 1,665 1,872 1,703 2,134 Personal insurance and pensions............. 3,714 1,610 4,423 4,498 5,951 4,711 1,298 1,490 1,002 Life and other personal insurance........ 475 103 278 367 576 729 453 512 362 Pensions and Social Security............. 3,239 1,508 4,145 4,131 5,375 3,982 845 978 640 Sources of income and personal taxes: a/ Money income before taxes.................. 46,367 24,567 50,228 51,249 62,898 55,417 30,646 32,476 27,772 Wages and salaries....................... 32,856 22,410 47,427 46,024 54,160 37,291 6,238 8,300 3,000 Self-employment income................... 3,284 423 1,293 3,305 5,189 6,730 1,456 1,843 850 Social Security, private and government retirement................... 8,163 e/ 90 172 579 1,829 8,911 20,195 19,708 20,960 Interest, dividends, rental income, other property income................... 1,332 77 413 474 825 1,829 2,385 2,174 2,715 Unemployment and workers'' compensation, veterans'' benefits..................... 180 106 171 167 327 246 71 91 e/ 40 Public assistance, supplemental security, income, food stamps..................... 230 351 199 303 212 266 181 210 135 Regular contributions for support........ 165 603 236 290 177 92 35 e/ 33 e/ 37 Other income............................. 156 507 317 108 178 50 85 117 e/ 35 Personal taxes............................. 3,615 1,360 4,438 4,508 5,922 4,360 1,364 1,557 1,061 Federal income taxes..................... 2,734 1,042 3,468 3,441 4,613 3,229 921 1,050 718 State and local income taxes............. 672 306 866 946 1,116 819 162 200 103 Other taxes.............................. 209 11 104 122 193 312 281 307 239 Income after taxes......................... 42,753 23,207 45,790 46,741 56,975 51,064 29,282 30,919 26,712 Net change in total assets and liabilities... -779 -1,147 -3,183 -960 -2,479 -181 1,224 -1,058 4,753 Net change in total assets............... 6,534 2,396 12,349 10,526 5,405 7,093 3,225 1,332 6,152 Net change in total liabilities.......... 7,313 3,543 15,532 11,486 7,884 7,273 2,001 2,390 1,399 Other financial information: Other money receipts..................... 649 479 718 284 625 941 640 879 270 Mortgage principal paid on owned property................................ -1,493 -110 -676 -1,324 -2,094 -3,310 -627 -815 -336 Estimated market value of owned home..... 98,009 10,863 52,386 77,701 111,129 141,527 107,824 112,567 100,489 Estimated monthly rental value of owned home.................................... 654 88 394 589 736 851 728 758 681 Gifts of goods and services................. 1,363 625 828 1,009 2,295 1,782 1,022 1,085 924 Food..................................... 124 15 39 59 291 197 54 45 68 Housing.................................. 350 124 277 297 542 451 259 293 206 Housekeeping supplies.................. 48 30 60 36 53 58 41 45 34 Household textiles..................... 17 e/ 7 e/ 5 13 23 18 24 36 6 Appliances and miscellaneous housewares........................... 48 e/ 4 26 38 71 64 44 53 31 Major appliances..................... 11 e/ 1 e/ 1 18 23 8 8 10 e/ 5 Small appliances and miscellaneous housewares......................... 37 e/ 3 25 20 49 56 36 43 26 Miscellaneous household equipment...... 89 36 108 57 104 122 73 82 59 Other housing.......................... 148 47 77 152 290 190 77 78 76 Apparel and services..................... 250 158 181 182 314 340 231 265 178 Males, 2 and over...................... 76 40 62 33 88 113 76 95 46 Females, 2 and over.................... 96 53 42 59 147 135 90 90 91 Children under 2....................... 29 35 33 36 26 29 24 31 14 Other apparel products and services.... 49 30 44 53 53 63 41 49 27 Jewelry and watches.................. 19 16 22 22 20 22 15 16 14 All other apparel products and services............................ 29 e/ 14 e/ 21 30 33 41 26 34 e/ 13 Transportation........................... 77 151 40 55 77 91 81 85 76 Health care.............................. 36 e/ 5 e/ 6 29 73 43 30 18 49 Entertainment............................ 129 92 102 87 150 186 114 102 133 Toys, games, hobbies, and tricycles.... 46 12 31 37 60 70 37 48 19 Other entertainment.................... 83 80 71 50 90 116 77 54 114 Education................................ 247 e/ 19 59 186 675 282 97 106 e/ 83 All other gifts.......................... 150 62 124 114 171 191 155 171 131 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.