Table 3. By AGE OF REFERENCE PERSON: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1990 All 65 and 75 and Item consumer Under 25 25 - 34 35 - 44 45 - 54 55 - 64 over 65 - 74 over units _________________________________________________________________________________________ Number of consumer units (in thousands)... 96968 7581 21287 21003 14855 12162 20079 11318 8761 Income before taxes 1/.................... 31889 14089 32325 41208 43451 35309 18842 21501 15435 Income after taxes 1/..................... 28937 13246 29371 36737 39381 31802 17705 20123 14606 Age of reference person................... 47.2 21.5 29.8 39.4 49.2 59.7 74.2 69.2 80.7 Average number in consumer unit:.......... Persons.................................. 2.6 1.8 2.8 3.3 2.9 2.3 1.7 1.9 1.6 Children under 18........................ 0.7 0.4 1.1 1.3 0.6 0.2 0.1 0.1 0 Persons 65 and over...................... 0.3 0 0 0 0 0.1 1.4 1.4 1.3 Earners.................................. 1.4 1.2 1.5 1.8 1.9 1.4 0.4 0.6 0.2 Vehicles................................. 2 1.1 1.9 2.3 2.6 2.3 1.5 1.8 1 Percent distribution: Male..................................... 65 51 69 71 68 68 54 61 45 Female................................... 35 49 31 29 32 32 46 39 55 Percent homeowner........................ 62 8 44 67 75 80 78 82 73 With mortgage........................... 38 6 39 57 59 39 15 22 6 Without mortgage........................ 24 2 5 10 16 41 63 60 66 Renter................................... 38 92 56 33 25 20 22 18 27 Black.................................... 11 12 12 13 12 12 9 9 9 White and other.......................... 89 88 88 87 88 88 91 91 91 Elementary (1-8)......................... 10 2 3 4 8 15 27 20 37 High school (9-12)....................... 43 41 43 39 44 49 46 51 39 College.................................. 46 57 54 57 48 36 26 28 23 Never attended and other................. 0 0 0 0 0 0 2 1 2 At least one vehicle owned............... 87 70 90 91 93 90 78 87 67 Average annual expenditures............... 28381 16525 28117 35594 37012 29263 18551 20901 15450 Food..................................... 4296 2761 4100 5380 5490 4430 2926 3305 2406 Food at home............................ 2485 1285 2340 3134 3008 2601 1917 2106 1654 Cereals and bakery products............ 368 183 332 475 440 378 300 324 268 Cereals and cereal products........... 129 72 125 170 143 129 97 103 88 Bakery products....................... 240 111 206 305 297 249 203 221 179 Meats, poultry, fish, and eggs......... 668 296 628 801 850 747 517 598 405 Beef.................................. 218 97 217 262 268 231 169 207 116 Pork.................................. 132 59 114 156 180 153 103 117 85 Other meats........................... 99 48 93 116 130 115 71 82 55 Poultry............................... 108 39 103 126 136 125 87 98 70 Fish and seafood...................... 82 35 73 107 102 90 62 66 57 Eggs.................................. 30 17 29 34 35 33 25 27 22 Dairy products......................... 295 156 292 377 345 291 228 247 201 Fresh milk and cream.................. 140 81 142 175 162 128 113 122 101 Other dairy products.................. 155 75 150 202 184 163 115 126 101 Fruits and vegetables.................. 408 188 366 490 468 447 373 392 347 Fresh fruits.......................... 127 46 113 141 144 155 125 128 120 Fresh vegetables...................... 118 57 103 145 140 131 102 115 85 Processed fruits...................... 93 48 85 114 104 88 90 89 90 Processed vegetables.................. 70 37 65 89 80 72 57 61 52 Other food at home..................... 746 462 722 991 904 737 498 545 433 Sugar and other sweets................ 94 48 81 124 119 95 75 79 69 Fats and oils......................... 68 31 57 88 83 72 57 64 48 Miscellaneous foods................... 336 241 342 462 394 303 204 221 182 Nonalcoholic beverages................ 213 127 207 274 267 216 142 154 124 Food prep. by cu, out-of-town trips... 35 15 35 43 41 51 20 27 10 Food away from home..................... 1811 1476 1760 2246 2482 1830 1009 1199 752 Alcoholic beverages...................... 293 318 365 370 324 254 126 166 71 Housing.................................. 8703 4845 9209 11050 10425 8459 6025 6449 5469 Shelter................................. 4836 3014 5515 6207 5817 4220 3017 3188 2795 Owned dwellings........................ 2953 311 2904 4324 3954 2872 1880 2081 1619 Mortgage interest and charges......... 1817 233 2261 3081 2625 1249 367 568 107 Property taxes........................ 597 27 304 718 711 850 760 824 677 Maintenance, rep., ins., oth. exp..... 540 51 339 525 618 772 753 689 835 Rented dwellings....................... 1533 2504 2441 1531 1221 873 839 734 974 Other lodging.......................... 349 200 170 352 642 476 299 373 202 Utilities, fuels, and public services... 1890 906 1684 2153 2357 2160 1697 1838 1515 Natural gas............................ 246 94 199 274 306 291 255 286 215 Electricity............................ 758 317 668 860 947 918 678 733 606 Fuel oil and other fuels............... 100 17 63 109 111 129 137 129 148 Telephone.............................. 592 430 604 682 750 590 432 476 376 Water and other public services........ 193 48 150 229 244 232 195 215 169 Household operations.................... 446 146 568 610 315 386 394 342 460 Personal services...................... 219 100 449 354 54 57 99 29 189 Other household expenses............... 227 46 119 256 261 328 295 313 271 Housekeeping supplies................... 406 178 368 494 483 488 325 362 273 Laundry and cleaning supplies.......... 113 47 113 142 137 125 79 86 70 Other household products............... 171 59 150 218 198 225 129 147 105 Postage and stationery................. 122 72 105 133 148 138 117 130 98 Household furnishings and equipment..... 1125 601 1075 1586 1453 1205 592 718 425 Household textiles..................... 99 39 79 124 145 122 66 90 34 Furniture.............................. 310 254 334 408 374 370 122 146 91 Floor coverings........................ 92 9 54 153 150 91 55 56 53 Major appliances....................... 147 65 150 173 175 188 104 115 89 Small appliances, misc. housewares..... 75 40 69 88 99 90 52 61 40 Miscellaneous household equipment...... 402 194 390 640 508 345 193 250 117 Apparel and services..................... 1618 1034 1571 2312 2166 1560 768 972 489 Men and boys............................ 393 315 392 562 571 358 132 174 75 Men, 16 and over....................... 324 303 300 420 503 325 118 152 71 Boys, 2 to 15.......................... 70 13 92 141 68 34 14 22 4 Women and girls......................... 673 315 568 981 905 690 402 519 241 Women, 16 and over..................... 586 290 472 777 828 660 382 490 231 Girls, 2 to 15......................... 87 26 96 204 77 30 21 29 10 Children under 2........................ 70 84 134 69 58 51 16 19 13 Footwear................................ 225 94 209 347 288 217 114 134 87 Other apparel products and services..... 258 226 268 353 345 243 103 127 73 Transportation........................... 5120 3494 5412 6079 7046 5297 2883 3463 2131 Vehicle purchases (net outlay).......... 2129 1591 2421 2523 2967 2014 1058 1163 921 Cars and trucks, new................... 1159 734 1257 1351 1673 1144 641 702 562 Cars and trucks, used.................. 948 835 1123 1148 1267 853 416 461 359 Other vehicles......................... 22 23 41 25 27 16 0 1 0 Gasoline and motor oil.................. 1047 722 1080 1245 1391 1134 619 792 396 Other vehicle expenses.................. 1642 1002 1688 1985 2237 1736 974 1238 632 Vehicle finance charges................ 300 194 371 395 429 262 92 142 28 Maintenance and repairs................ 589 389 579 692 773 657 385 490 248 Vehicle insurance...................... 563 323 521 651 784 646 394 470 296 Veh. rent., leas., licen., oth. chges.. 190 97 217 247 251 170 102 135 60 Public transportation................... 302 179 223 326 450 414 232 271 182 Health care.............................. 1480 403 981 1415 1597 1791 2208 2197 2223 Health insurance........................ 581 106 391 485 583 700 990 1014 960 Medical services........................ 562 190 391 646 664 654 664 656 674 Drugs................................... 252 65 135 183 236 340 475 455 501 Medical supplies........................ 85 41 64 100 113 96 80 73 88 Entertainment............................ 1422 833 1472 1837 1966 1507 700 914 423 Fees and admissions..................... 371 218 342 527 438 365 252 329 153 Television, radios, sound equipment..... 454 344 503 583 592 390 243 307 161 Pets, toys, and playground equipment.... 276 117 307 359 410 255 128 161 83 Other supplies, equip., and services.... 321 155 321 367 527 497 77 116 26 Personal care products and services...... 364 212 315 447 478 412 268 305 218 Reading.................................. 153 75 134 188 184 163 137 156 112 Education................................ 406 817 325 465 732 376 54 48 61 Tobacco products and smoking supplies.... 274 216 275 316 361 326 157 209 91 Miscellaneous............................ 842 399 786 1158 1097 828 554 708 353 Cash contributions....................... 816 146 411 876 1299 903 1026 937 1141 Personal insurance and pensions.......... 2592 972 2761 3700 3847 2958 718 1071 261 Life and other personal insurance....... 345 49 225 444 555 467 249 341 131 Pensions and Social Security............ 2248 922 2536 3256 3292 2491 468 730 130 Money income before taxes 1/.............. 31889 14089 32325 41208 43451 35309 18842 21501 15435 Wages and salaries....................... 24173 12101 28967 35431 36868 24114 3552 5439 1133 Self-employment income................... 2315 200 1920 3629 3655 3464 640 973 215 Soc. Sec., priv. and gov. retirement..... 3427 60 152 583 1152 5138 11650 12176 10976 Int., divid., rent. inc., property inc... 1059 125 206 610 915 1648 2539 2400 2716 Unemp. and workers' compen., vet. ben.... 218 178 176 235 311 311 146 165 121 Pub. ass., supp. sec. inc., foodstamps... 344 557 519 285 273 389 162 144 186 Regular contributions for support........ 260 677 263 347 214 168 92 140 31 Other income............................. 93 191 121 89 63 75 62 66 56 Personal taxes 1/......................... 2952 843 2954 4471 4070 3507 1137 1378 829 Federal income taxes..................... 2319 642 2295 3539 3201 2782 881 1081 624 State and local income taxes............. 558 192 626 826 774 630 168 212 112 Other taxes.............................. 75 10 33 106 95 95 89 85 93 Income after taxes 1/..................... 28937 13246 29371 36737 39381 31802 17705 20123 14606 Net change in total assets and liabilities -441 -266 133 -1492 250 -1713 242 -199 812 Net change in total assets............... 2902 1560 4704 3995 3958 1097 666 532 840 Net change in total liabilities.......... 3343 1825 4571 5487 3708 2810 424 731 28 Other money receipts...................... 310 121 207 544 313 333 228 352 67 Mortgage principal paid, owned property... -574 -42 -540 -865 -959 -600 -206 -319 -60 Estimated market value of owned home...... 66069 3854 38695 77318 87638 90527 76043 85242 64159 Est. monthly rental value of owned home... 398 36 275 469 526 512 428 477 365 Gifts of goods and services............... 911 420 602 897 1774 1142 653 734 541 Food.................................... 95 25 37 91 236 132 58 58 56 Housing................................. 232 94 185 234 424 259 169 186 145 Housekeeping supplies................. 35 19 35 41 37 43 30 37 19 Household textiles.................... 14 5 11 13 20 16 13 21 3 Appliances and misc. housewares....... 27 9 19 24 39 44 25 28 20 Major appliances.................... 7 0 3 7 13 8 7 8 6 Small appl. and misc. housewares.... 20 8 16 17 25 36 17 20 14 Miscellaneous household equipment..... 50 29 45 64 69 59 25 39 8 Other housing......................... 107 33 74 93 259 97 76 62 95 Apparel and services.................... 236 123 212 247 364 277 170 240 75 Males 2 and over...................... 61 18 49 57 103 98 41 50 30 Females 2 and over.................... 95 38 69 117 145 86 89 131 30 Children under 2...................... 31 21 43 28 46 37 12 17 6 Other apparel products and services... 48 46 52 45 70 57 28 41 9 Jewelry and watches................. 25 37 28 25 28 29 13 18 5 All other apparel products and serv. 23 9 23 20 43 28 15 23 4 Transportation.......................... 53 18 18 40 137 104 24 34 13 Health care............................. 45 5 8 45 85 37 75 53 103 Entertainment........................... 66 32 62 59 99 103 45 57 29 Toys, games, hobbies, and tricycles... 25 9 21 22 32 49 19 24 11 Other entertainment................... 41 23 40 37 67 54 26 33 18 Education............................... 96 23 9 75 335 151 28 14 46 All other gifts......................... 88 100 71 105 94 80 84 92 74 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary .