Table 4500. Selected age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999 All Under 30 and Under 50 and Under 55 and Under 65 and Item consumer 30 over 50 over 55 over 65 over units Number of consumer units (in thousands)...... 108,465 17,280 91,186 63,170 45,295 72,804 35,662 86,450 22,015 Income before taxes a/ ...................... $43,951 $28,287 $46,953 $46,679 $40,117 $48,373 $34,970 $48,536 $26,581 Income after taxes a/ ....................... 40,652 26,677 43,330 43,124 37,177 44,608 32,618 44,697 25,325 Age of the reference person.................. 47.9 24.4 52.3 35.5 65.2 37.7 68.8 41.0 74.8 Average number in consumer unit: Persons..................................... 2.5 2.3 2.6 2.9 2.0 2.8 1.9 2.7 1.7 Children under 18........................... .7 .7 .7 1.0 .2 .9 .1 .8 .1 Persons 65 and over......................... .3 b/ .4 b/ .7 b/ .9 b/ 1.4 Earners..................................... 1.3 1.4 1.3 1.6 1.0 1.6 .8 1.6 .4 Vehicles.................................... 1.9 1.4 2.0 1.9 1.9 2.0 1.8 2.0 1.5 Percent distribution: Male........................................ 55 51 56 56 54 56 52 56 49 Female...................................... 45 49 44 44 46 44 48 44 51 Homeowner................................... 65 25 72 55 79 58 80 61 80 With mortgage.............................. 38 19 42 43 31 44 25 44 16 Without mortgage........................... 27 6 31 12 48 13 54 18 64 Renter...................................... 35 75 28 45 21 42 20 39 20 Black....................................... 12 15 12 14 10 13 10 13 9 White and other............................. 88 85 88 86 90 87 90 87 91 Elementary (1-8)............................ 6 2 7 3 10 3 12 4 15 High school (9-12).......................... 39 36 40 36 43 36 45 37 46 College..................................... 55 61 53 61 46 61 42 59 38 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 87 79 89 87 86 88 85 88 82 Average annual expenditures.................. $36,995 $27,582 $38,771 $38,745 $34,549 $39,714 $31,459 $39,662 $26,521 Food........................................ 5,031 4,083 5,206 5,411 4,496 5,487 4,108 5,417 3,511 Food at home............................. 2,915 2,237 3,040 3,086 2,675 3,111 2,519 3,080 2,266 Cereals and bakery products............ 448 323 471 473 413 478 387 471 357 Cereals and cereal products.......... 160 127 166 177 136 177 125 171 116 Bakery products...................... 288 195 305 296 277 301 262 300 242 Meats, poultry, fish, and eggs......... 749 591 778 788 693 803 639 796 563 Beef................................. 220 190 226 235 200 238 183 237 154 Pork................................. 157 117 164 162 149 166 138 166 121 Other meats.......................... 97 72 102 102 90 104 84 102 77 Poultry.............................. 136 115 140 147 121 148 112 146 96 Fish and seafood..................... 106 73 112 109 102 113 93 111 87 Eggs................................. 32 24 34 33 31 34 30 34 27 Dairy products......................... 322 239 338 348 286 346 275 339 255 Fresh milk and cream................. 122 94 127 133 106 132 102 128 99 Other dairy products................. 200 145 210 215 180 214 172 211 156 Fruits and vegetables.................. 500 359 525 504 494 510 479 512 450 Fresh fruits......................... 152 102 162 150 156 152 153 153 149 Fresh vegetables..................... 149 109 156 147 150 150 146 153 131 Processed fruits..................... 113 86 118 117 108 118 103 116 100 Processed vegetables................. 86 62 90 90 79 90 76 89 71 Other food at home..................... 896 725 928 973 789 974 740 961 641 Sugar and other sweets............... 112 79 118 114 108 116 103 116 93 Fats and oils........................ 84 62 87 86 80 87 76 87 70 Miscellaneous foods.................. 420 368 429 467 353 463 333 453 290 Nonalcoholic beverages............... 242 192 251 265 209 268 190 264 158 Food prepared by consumer unit on out-of-town trips................... 39 23 42 40 38 40 37 42 29 Food away from home.................... 2,116 1,846 2,166 2,325 1,821 2,376 1,589 2,337 1,245 Alcoholic beverages......................... 318 373 308 365 252 360 233 355 172 Housing..................................... 12,057 8,991 12,635 12,809 11,008 12,991 10,151 12,850 8,944 Shelter.................................. 7,016 5,630 7,279 7,736 6,012 7,820 5,373 7,637 4,576 Owned dwellings........................ 4,525 1,774 5,046 4,744 4,220 4,941 3,675 4,920 2,971 Mortgage interest and charges........ 2,547 1,186 2,805 3,071 1,817 3,133 1,351 3,006 745 Property taxes....................... 1,123 352 1,270 1,007 1,286 1,068 1,237 1,117 1,149 Maintenance, repairs, insurance,other expenses............................ 854 237 971 665 1,117 740 1,087 798 1,076 Rented dwellings....................... 2,027 3,628 1,723 2,593 1,236 2,436 1,191 2,242 1,182 Other lodging.......................... 465 228 509 399 556 444 507 475 423 Utilities, fuels, and public services.... 2,377 1,645 2,516 2,343 2,426 2,404 2,322 2,437 2,145 Natural gas............................ 270 150 293 248 302 256 300 267 284 Electricity............................ 899 596 957 869 942 896 905 912 848 Fuel oil and other fuels............... 74 27 83 60 95 65 94 67 102 Telephone services..................... 849 737 870 904 772 916 712 909 614 Water and other public services........ 285 134 313 262 316 271 312 281 298 Household operations..................... 666 427 711 701 617 677 642 646 746 Personal services...................... 323 324 323 417 191 376 215 326 311 Other household expenses............... 343 104 389 284 426 302 428 320 435 Housekeeping supplies.................... 498 268 541 491 509 507 480 517 423 Laundry and cleaning supplies.......... 121 79 129 125 115 127 110 126 102 Other household products............... 250 113 275 243 259 256 237 263 199 Postage and stationery................. 127 75 137 122 135 125 132 129 122 Household furnishings and equipment...... 1,499 1,022 1,589 1,539 1,445 1,581 1,333 1,613 1,054 Household textiles..................... 114 56 125 109 122 117 108 116 106 Furniture.............................. 365 321 374 423 285 411 273 406 205 Floor coverings........................ 44 13 49 37 53 38 55 47 31 Major appliances....................... 183 121 195 183 184 183 183 185 175 Small appliances, miscellaneous housewares............................ 102 60 109 79 133 94 116 102 99 Miscellaneous household equipment...... 692 451 737 708 669 738 598 756 438 Apparel and services........................ 1,743 1,551 1,779 1,937 1,471 1,950 1,322 1,914 1,070 Men and boys............................. 421 331 438 487 329 485 291 472 219 Men, 16 and over....................... 328 266 339 352 294 361 260 362 195 Boys, 2 to 15.......................... 93 65 98 134 35 124 31 111 24 Women and girls.......................... 655 546 675 706 583 724 515 716 416 Women, 16 and over..................... 548 480 560 556 535 579 483 587 394 Girls, 2 to 15......................... 107 66 115 150 48 145 31 129 22 Children under 2......................... 67 116 58 96 26 87 26 80 17 Footwear................................. 303 302 303 343 247 344 220 338 165 Other apparel products and services...... 297 255 305 306 285 310 270 308 253 Transportation.............................. 7,011 6,002 7,202 7,572 6,230 7,746 5,512 7,680 4,385 Vehicle purchases (net outlay)........... 3,305 3,138 3,337 3,663 2,807 3,708 2,483 3,660 1,911 Cars and trucks, new................... 1,628 1,149 1,719 1,567 1,714 1,636 1,612 1,711 1,304 Cars and trucks, used.................. 1,641 1,958 1,581 2,044 1,080 2,022 865 1,905 606 Other vehicles......................... 36 d/ 31 37 53 13 51 d/ 6 45 d/ 2 Gasoline and motor oil................... 1,055 869 1,090 1,147 925 1,172 816 1,159 644 Other vehicle expenses................... 2,254 1,724 2,354 2,393 2,060 2,483 1,786 2,460 1,443 Vehicle finance charges................ 320 309 323 384 232 386 186 376 104 Maintenance and repairs................ 664 475 700 660 670 697 598 701 519 Vehicle insurance...................... 756 546 796 773 734 805 656 805 566 Vehicle rental, leases, licenses, other charges.............................. 513 394 535 577 423 595 346 579 255 Public transportation.................... 397 271 421 368 438 383 427 400 387 Health care................................. 1,959 817 2,175 1,427 2,701 1,546 2,802 1,689 3,019 Health insurance......................... 923 401 1,021 664 1,284 705 1,366 762 1,554 Medical services......................... 558 246 617 464 688 508 659 547 601 Drugs.................................... 370 126 416 217 583 244 626 284 706 Medical supplies......................... 109 45 121 82 146 88 151 96 158 Entertainment............................... 1,891 1,365 1,990 2,015 1,717 2,035 1,597 2,057 1,238 Fees and admissions...................... 459 301 488 466 448 477 421 490 336 Television, radios, sound equipment...... 608 551 619 668 524 673 476 658 412 Pets, toys, and playground equipment..... 346 247 364 392 281 393 250 386 186 Other entertainment supplies, equipment,and services.................. 478 266 518 489 464 492 450 522 305 Personal care products and services......... 408 308 427 415 399 423 378 427 333 Reading..................................... 159 86 173 142 183 151 176 158 163 Education................................... 635 896 585 755 466 800 297 761 139 Tobacco products and smoking supplies....... 300 248 310 331 257 341 218 339 148 Miscellaneous............................... 867 520 933 826 924 861 879 887 790 Cash contributions.......................... 1,181 288 1,350 885 1,594 939 1,674 1,067 1,627 Personal insurance and pensions............. 3,436 2,053 3,698 3,856 2,851 4,084 2,113 4,062 980 Life and other personal insurance........ 394 114 448 363 438 387 409 410 333 Pensions and Social Security............. 3,042 1,939 3,251 3,493 2,413 3,697 1,704 3,652 647 Sources of income and personal taxes: a/ Money income before taxes.................. 43,951 28,287 46,952 46,679 40,115 48,373 34,968 48,535 26,581 Wages and salaries....................... 34,456 25,944 36,087 42,295 23,436 43,497 16,093 42,123 5,406 Self-employment income................... 2,603 758 2,957 2,205 3,163 2,492 2,831 2,946 1,304 Social Security, private and government retirement................... 4,798 188 5,681 664 10,609 855 12,806 1,784 16,217 Interest, dividends, rental income, other property income................... 1,104 136 1,290 362 2,148 414 2,506 580 3,092 Unemployment and workers'' compensation, veterans'' benefits..................... 177 137 184 204 138 211 106 205 70 Public assistance, supplemental security, income, food stamps..................... 320 331 318 317 326 320 321 345 228 Regular contributions for support........ 262 428 230 362 120 330 123 303 105 Other income............................. 230 365 204 270 175 253 183 249 158 Personal taxes............................. 3,299 1,610 3,623 3,555 2,940 3,765 2,352 3,839 1,256 Federal income taxes..................... 2,513 1,205 2,764 2,722 2,219 2,894 1,739 2,958 827 State and local income taxes............. 616 369 663 717 473 742 360 734 169 Other taxes.............................. 170 36 196 115 248 130 253 147 260 Income after taxes......................... 40,652 26,677 43,330 43,124 37,177 44,608 32,618 44,697 25,325 Net change in total assets and liabilities... 142 -1,075 372 -108 491 -343 1,133 -68 966 Net change in total assets............... 6,478 5,042 6,750 8,409 3,785 8,071 3,226 7,610 2,035 Net change in total liabilities.......... 6,336 6,117 6,378 8,518 3,294 8,415 2,093 7,678 1,069 Other financial information: Other money receipts..................... 651 341 710 610 709 615 725 740 305 Mortgage principal paid on owned property................................ -1,366 -332 -1,562 -1,260 -1,515 -1,356 -1,387 -1,589 -494 Estimated market value of owned home..... 87,582 25,126 99,418 73,012 107,901 78,068 107,005 85,415 96,093 Estimated monthly rental value of owned home.................................... 592 194 667 510 707 542 693 579 645 Gifts of goods and services................. 1,083 563 1,181 915 1,318 1,058 1,135 1,134 884 Food..................................... 83 22 94 57 119 85 80 93 43 Housing.................................. 292 179 313 257 341 292 291 305 238 Housekeeping supplies.................. 41 18 45 42 39 42 38 43 32 Household textiles..................... 17 7 19 10 26 14 22 15 22 Appliances and miscellaneous housewares........................... 32 11 36 20 49 26 44 31 36 Major appliances..................... 9 4 9 6 12 7 12 8 10 Small appliances and miscellaneous housewares......................... 24 7 27 14 38 19 32 23 25 Miscellaneous household equipment...... 66 41 71 56 80 62 75 68 58 Other housing.......................... 136 102 142 129 146 148 112 148 90 Apparel and services..................... 210 146 221 192 234 208 214 222 160 Males, 2 and over...................... 54 29 59 45 67 49 65 55 51 Females, 2 and over.................... 71 37 77 55 93 67 79 72 67 Children under 2....................... 33 29 34 40 23 38 23 38 14 Other apparel products and services.... 52 52 52 53 50 54 46 57 29 Jewelry and watches.................. 27 38 24 33 18 32 17 31 11 All other apparel products and services............................ 25 13 27 20 32 23 30 27 18 Transportation........................... 63 43 67 58 71 60 71 65 57 Health care.............................. 40 4 47 22 66 24 72 27 90 Entertainment............................ 98 66 104 83 120 87 120 96 107 Toys, games, hobbies, and tricycles.... 32 17 35 26 40 29 38 32 30 Other entertainment.................... 66 49 70 57 79 59 82 64 77 Education................................ 166 36 191 125 223 176 146 189 78 All other gifts.......................... 131 67 143 121 146 126 141 137 110 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.