Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 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)...... 76,707 3,673 14,977 20,107 16,219 9,702 12,028 7,573 4,455 Income before taxes a/ ...................... $50,640 $25,984 $45,375 $56,023 $66,166 $55,569 $32,059 $34,114 $28,554 Income after taxes a/ ....................... 46,873 24,836 42,176 51,827 60,306 51,138 30,694 32,558 27,516 Age of the reference person.................. 46.6 21.9 29.9 39.5 49.1 59.2 73.2 69.1 80.2 Average number in consumer unit: Persons..................................... 3.1 2.8 3.4 3.7 3.2 2.6 2.3 2.4 2.2 Children under 18........................... .9 .8 1.4 1.6 .7 .3 .1 .1 .1 Persons 65 and over......................... .3 b/ b/ b/ b/ .1 1.6 1.6 1.8 Earners..................................... 1.6 1.7 1.7 1.9 2.1 1.6 .6 .8 .4 Vehicles.................................... 2.3 1.6 2.0 2.4 2.8 2.6 2.1 2.3 1.7 Percent distribution: Male........................................ 62 46 56 59 64 68 72 71 74 Female...................................... 38 54 44 41 36 32 28 29 26 Homeowner................................... 72 20 50 72 83 85 88 89 86 With mortgage.............................. 46 13 42 60 61 43 21 26 13 Without mortgage........................... 25 6 8 12 21 42 67 63 73 Renter...................................... 28 80 50 28 17 15 12 11 14 Black....................................... 12 18 16 13 10 11 9 10 7 White and other............................. 88 82 84 87 90 89 91 90 93 Elementary (1-8)............................ 6 4 3 3 4 8 15 13 17 High school (9-12).......................... 40 52 41 39 33 44 45 46 44 College..................................... 53 45 55 57 62 48 39 40 38 Never attended and other.................... c/ c/ c/ c/ c/ c/ 1 c/ 1 At least one vehicle owned or leased........ 92 82 90 93 96 93 92 94 91 Average annual expenditures.................. $42,041 $27,611 $38,256 $45,775 $50,769 $43,891 $31,794 $33,833 $28,342 Food........................................ 5,824 4,076 5,360 6,565 6,715 5,787 4,604 4,899 4,109 Food at home............................. 3,415 2,385 3,131 3,867 3,797 3,341 2,928 3,044 2,732 Cereals and bakery products............ 524 352 471 615 575 489 457 467 440 Cereals and cereal products.......... 185 136 184 227 198 151 147 150 141 Bakery products...................... 338 215 287 389 377 338 310 317 299 Meats, poultry, fish, and eggs......... 896 625 815 1,000 1,006 897 771 823 684 Beef................................. 271 219 247 304 299 275 224 249 182 Pork................................. 186 123 159 203 209 196 174 180 163 Other meats.......................... 114 74 105 130 128 108 99 107 85 Poultry.............................. 166 109 165 189 187 158 127 131 122 Fish and seafood..................... 121 70 106 133 142 119 111 119 97 Eggs................................. 38 30 34 42 40 41 36 37 35 Dairy products......................... 375 257 352 446 396 349 322 335 301 Fresh milk and cream................. 146 108 142 179 146 129 126 128 124 Other dairy products................. 229 149 210 267 250 220 196 207 178 Fruits and vegetables.................. 576 367 512 616 639 602 557 564 545 Fresh fruits......................... 177 105 149 187 200 190 180 183 175 Fresh vegetables..................... 175 101 161 179 194 195 169 171 166 Processed fruits..................... 126 94 111 139 143 121 118 117 121 Processed vegetables................. 98 67 91 112 102 96 89 93 84 Other food at home..................... 1,044 785 981 1,189 1,181 1,003 821 856 761 Sugar and other sweets............... 131 83 108 150 148 131 120 123 116 Fats and oils........................ 96 69 85 104 108 96 91 92 91 Miscellaneous foods.................. 481 392 492 555 523 434 353 369 326 Nonalcoholic beverages............... 282 220 252 326 334 269 207 212 200 Food prepared by consumer unit on out-of-town trips................... 55 22 42 54 68 73 49 61 29 Food away from home.................... 2,410 1,691 2,229 2,698 2,919 2,446 1,676 1,854 1,377 Alcoholic beverages......................... 322 294 325 343 341 349 243 273 194 Housing..................................... 13,400 8,823 13,116 15,147 15,308 13,361 9,709 10,230 8,825 Shelter.................................. 7,607 5,207 7,716 8,932 8,773 7,028 4,886 5,138 4,459 Owned dwellings........................ 5,276 911 4,314 6,649 6,702 5,316 3,557 3,846 3,066 Mortgage interest and charges........ 3,109 537 3,008 4,422 4,009 2,647 985 1,208 606 Property taxes....................... 1,241 174 786 1,341 1,568 1,491 1,325 1,385 1,222 Maintenance, repairs, insurance,other expenses............................ 926 200 521 886 1,125 1,178 1,247 1,252 1,238 Rented dwellings....................... 1,803 4,124 3,143 1,865 1,202 973 800 678 1,009 Other lodging.......................... 528 172 259 418 868 739 529 614 384 Utilities, fuels, and public services.... 2,735 1,716 2,441 2,842 3,140 2,922 2,538 2,678 2,298 Natural gas............................ 315 149 276 323 346 363 323 327 316 Electricity............................ 1,049 677 899 1,076 1,213 1,120 1,025 1,081 929 Fuel oil and other fuels............... 92 21 59 85 115 111 121 127 111 Telephone services..................... 942 761 944 1,001 1,076 947 710 775 599 Water and other public services........ 337 107 263 357 390 380 359 369 343 Household operations..................... 701 366 900 895 625 525 477 439 543 Personal services...................... 358 282 692 563 171 79 103 80 141 Other household expenses............... 343 84 208 333 454 446 375 359 403 Housekeeping supplies.................... 585 286 467 653 623 786 507 535 460 Laundry and cleaning supplies.......... 145 88 131 162 159 148 134 137 129 Other household products............... 292 117 215 329 303 469 229 246 200 Postage and stationery................. 148 80 121 162 162 170 145 152 132 Household furnishings and equipment...... 1,771 1,248 1,592 1,824 2,147 2,101 1,300 1,440 1,064 Household textiles..................... 127 58 99 122 179 135 117 138 81 Furniture.............................. 440 363 487 475 487 475 257 285 211 Floor coverings........................ 59 28 34 59 73 84 58 68 42 Major appliances....................... 200 161 159 207 223 232 198 195 203 Small appliances, miscellaneous housewares............................ 105 70 79 98 131 147 88 99 68 Miscellaneous household equipment...... 840 567 734 864 1,055 1,028 582 655 460 Apparel and services........................ 2,013 1,499 2,060 2,347 2,416 1,874 1,135 1,327 814 Men and boys............................. 498 322 485 596 607 451 299 358 200 Men, 16 and over....................... 379 271 337 385 512 399 264 313 182 Boys, 2 to 15.......................... 119 51 148 211 96 52 35 45 18 Women and girls.......................... 768 478 721 897 986 717 462 525 355 Women, 16 and over..................... 625 404 558 655 839 657 426 480 337 Girls, 2 to 15......................... 143 74 163 242 147 60 35 45 19 Children under 2......................... 93 177 178 104 52 49 31 35 25 Footwear................................. 350 277 367 429 390 324 189 229 123 Other apparel products and services...... 303 244 310 321 381 335 154 179 111 Transportation.............................. 8,186 6,956 7,692 8,620 9,920 8,499 5,860 6,512 4,751 Vehicle purchases (net outlay)........... 3,826 3,976 3,761 4,087 4,492 3,861 2,495 2,782 2,007 Cars and trucks, new................... 1,844 993 1,442 1,908 2,329 2,245 1,522 1,677 1,259 Cars and trucks, used.................. 1,937 2,872 2,257 2,143 2,101 1,605 957 1,080 747 Other vehicles......................... 44 d/ 111 62 36 63 d/ 11 d/ 16 d/ 25 e/ Gasoline and motor oil................... 1,234 936 1,144 1,332 1,501 1,266 888 1,001 697 Other vehicle expenses................... 2,656 1,820 2,448 2,777 3,372 2,754 1,924 2,097 1,630 Vehicle finance charges................ 402 363 472 439 497 371 161 209 78 Maintenance and repairs................ 760 503 599 795 966 808 665 694 616 Vehicle insurance...................... 884 618 747 870 1,166 931 742 777 682 Vehicle rental, leases, licenses, other charges.............................. 610 336 630 673 744 643 356 416 254 Public transportation.................... 470 223 339 424 554 618 553 633 417 Health care................................. 2,195 782 1,339 1,828 2,429 2,667 3,618 3,479 3,854 Health insurance......................... 1,052 370 687 849 1,068 1,206 1,906 1,863 1,981 Medical services......................... 632 253 413 601 821 803 678 651 725 Drugs.................................... 392 126 170 266 403 524 841 800 910 Medical supplies......................... 120 33 69 112 137 134 192 165 238 Entertainment............................... 2,170 1,334 1,913 2,431 2,567 2,393 1,599 1,836 1,196 Fees and admissions...................... 527 241 399 569 676 594 451 490 383 Television, radios, sound equipment...... 677 574 661 744 786 667 481 523 410 Pets, toys, and playground equipment..... 405 256 423 478 448 395 258 294 195 Other entertainment supplies, equipment,and services.................. 561 264 431 640 656 737 410 529 208 Personal care products and services......... 466 349 412 495 543 492 401 411 385 Reading..................................... 176 70 125 166 223 211 197 208 178 Education................................... 687 768 456 708 1,299 569 186 211 144 Tobacco products and smoking supplies....... 329 311 304 372 384 359 195 235 128 Miscellaneous............................... 942 455 775 1,005 1,124 1,146 787 846 685 Cash contributions.......................... 1,217 282 585 1,034 1,559 1,623 1,808 1,685 2,016 Personal insurance and pensions............. 4,114 1,611 3,795 4,713 5,942 4,561 1,451 1,680 1,063 Life and other personal insurance........ 499 100 288 479 705 710 472 535 364 Pensions and Social Security............. 3,615 1,510 3,506 4,234 5,238 3,851 980 1,145 699 Sources of income and personal taxes: a/ Money income before taxes.................. 50,639 25,984 45,375 56,023 66,166 55,565 32,059 34,114 28,554 Wages and salaries....................... 40,990 23,344 42,089 50,671 58,102 39,632 8,247 10,788 3,915 Self-employment income................... 2,991 649 1,684 3,013 4,315 5,774 1,491 1,765 1,024 Social Security, private and government retirement................... 4,717 123 251 628 1,838 7,663 19,632 18,994 20,721 Interest, dividends, rental income, other property income................... 855 72 236 390 808 1,567 2,124 1,921 2,471 Unemployment and workers'' compensation, veterans'' benefits..................... 209 170 170 218 300 267 91 101 73 Public assistance, supplemental security, income, food stamps..................... 387 698 464 388 328 403 264 299 204 Regular contributions for support........ 271 529 276 444 235 107 80 67 102 Other income............................. 220 399 204 270 241 152 130 179 d/ 45 Personal taxes............................. 3,767 1,148 3,198 4,196 5,861 4,432 1,365 1,556 1,038 Federal income taxes..................... 2,862 853 2,429 3,194 4,537 3,391 908 1,029 703 State and local income taxes............. 713 281 679 835 1,085 768 168 204 109 Other taxes.............................. 192 14 91 167 239 272 288 324 226 Income after taxes......................... 46,873 24,836 42,176 51,827 60,306 51,138 30,694 32,558 27,516 Net change in total assets and liabilities... -1,554 1,409 -3,167 -2,512 -2,200 -854 1,460 -177 4,242 Net change in total assets............... 7,285 4,886 9,364 9,657 6,052 6,921 3,422 2,213 5,477 Net change in total liabilities.......... 8,839 3,477 12,530 12,169 8,252 7,775 1,962 2,390 1,235 Other financial information: Other money receipts..................... 508 279 616 275 540 755 591 767 291 Mortgage principal paid on owned property................................ -1,567 -307 -821 -1,720 -2,290 -2,798 -659 -829 -371 Estimated market value of owned home..... 98,034 14,811 57,426 99,935 120,997 136,493 108,841 113,201 101,429 Estimated monthly rental value of owned home.................................... 667 124 439 703 809 830 735 759 692 Gifts of goods and services................. 1,180 533 671 945 1,959 1,624 1,003 1,039 942 Food..................................... 100 11 34 56 238 161 49 42 61 Housing.................................. 332 127 266 281 503 437 253 275 216 Housekeeping supplies.................. 47 21 41 57 51 53 37 39 33 Household textiles..................... 17 d/ 5 13 9 23 29 21 29 7 Appliances and miscellaneous housewares........................... 36 7 21 26 51 61 41 47 29 Major appliances..................... 8 d/ 3 3 8 14 8 8 9 6 Small appliances and miscellaneous housewares......................... 28 4 18 19 36 52 33 39 23 Miscellaneous household equipment...... 75 32 60 66 87 124 65 72 53 Other housing.......................... 158 63 131 122 291 171 89 86 94 Apparel and services..................... 236 167 174 216 292 322 223 243 191 Males, 2 and over...................... 65 33 47 49 80 105 71 84 49 Females, 2 and over.................... 85 51 44 82 114 116 85 81 91 Children under 2....................... 41 55 49 47 36 37 28 31 24 Other apparel products and services.... 45 27 34 38 62 64 40 47 27 Jewelry and watches.................. 16 13 12 12 24 22 15 16 13 All other apparel products and services............................ 29 d/ 15 22 26 38 42 25 31 d/ 14 Transportation........................... 64 81 22 57 82 74 88 85 91 Health care.............................. 28 d/ 5 4 20 51 40 36 28 50 Entertainment............................ 102 67 67 76 127 166 112 105 123 Toys, games, hobbies, and tricycles.... 34 16 23 27 42 59 35 45 18 Other entertainment.................... 67 51 44 48 84 107 76 60 104 Education................................ 194 d/ 14 32 125 512 251 94 106 74 All other gifts.......................... 125 60 72 114 155 172 148 155 135 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. e No data reported. n.a. Not applicable.