Table 3. Age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2004 All Under 25-34 35-44 45-54 55-64 65 years 65-74 75 years Item consumer 25 years years years years and older years and older units years Number of consumer units (in thousands)........... 116,282 8,817 19,439 24,070 23,712 17,479 22,765 11,230 11,536 Consumer unit characteristics: Income before taxes ............................. $54,453 $22,840 $52,484 $65,515 $70,434 $61,031 $34,988 $42,137 $28,028 Income after taxes .............................. 52,287 22,507 50,819 63,202 66,761 58,043 34,040 41,126 27,142 Age of reference person.......................... 48.5 21.4 29.7 39.7 49.3 59.1 75.3 69.3 81.2 Average number in consumer unit: Persons......................................... 2.5 1.9 2.9 3.2 2.7 2.1 1.7 1.9 1.5 Children under 18............................... .6 .4 1.1 1.3 .6 .2 .1 .1 a/ Persons 65 and over............................. .3 a/ a/ a/ a/ .1 1.4 1.4 1.3 Earners......................................... 1.3 1.3 1.5 1.7 1.7 1.3 .5 .7 .2 Vehicles........................................ 1.9 1.2 1.8 2.1 2.4 2.2 1.5 1.9 1.2 Percent distribution: Sex of reference person: Male............................................ 48 46 49 48 50 50 46 50 42 Female.......................................... 52 54 51 52 50 50 54 50 58 Housing tenure: Homeowner....................................... 68 15 49 69 77 83 80 83 78 With mortgage.................................. 42 9 42 59 58 46 18 27 10 Without mortgage............................... 25 5 7 11 19 37 62 56 68 Renter.......................................... 32 85 51 31 23 17 20 17 22 Race of reference person: Black or African-American....................... 12 11 13 14 13 10 9 10 9 White, Asian, and All Other Races............... 88 89 87 86 87 90 91 90 91 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 11 13 17 14 8 8 5 6 4 Not Hispanic or Latino (new UCC Q20032)......... 89 87 83 86 92 92 95 94 96 Education of reference person: Elementary (1-8)................................ 5 2 3 3 4 6 12 9 15 High school (9-12).............................. 35 29 30 35 32 36 46 45 46 College......................................... 59 69 67 61 64 58 42 46 37 Never attended and other........................ b/ b/ b/ b/ b/ b/ 1 1 1 At least one vehicle owned or leased............. 88 71 90 91 93 92 83 89 77 Average annual expenditures....................... $43,395 $24,535 $42,701 $50,402 $52,764 $47,299 $31,104 $36,512 $25,763 Food............................................. 5,781 3,715 5,705 6,752 7,038 5,898 4,206 4,871 3,518 Food at home.................................... 3,347 1,853 3,155 3,897 4,083 3,374 2,722 3,049 2,380 Cereals and bakery products.................... 461 265 432 552 547 437 394 422 364 Cereals and cereal products................... 154 99 152 194 181 137 118 126 110 Bakery products............................... 307 166 280 357 366 300 276 296 255 Meats, poultry, fish, and eggs................. 880 480 812 1,019 1,111 894 694 799 584 Beef.......................................... 265 148 250 313 338 257 205 236 172 Pork.......................................... 181 95 161 204 222 203 148 173 122 Other meats................................... 108 53 97 125 140 102 91 113 68 Poultry....................................... 156 101 154 182 196 156 108 123 93 Fish and seafood.............................. 128 57 112 151 167 130 103 111 95 Eggs.......................................... 42 26 38 45 48 46 38 44 33 Dairy products................................. 371 205 346 440 436 371 313 353 271 Fresh milk and cream.......................... 144 86 147 177 161 137 118 125 110 Other dairy products.......................... 226 119 199 263 276 235 195 227 161 Fruits and vegetables.......................... 561 285 521 615 673 588 510 548 470 Fresh fruits.................................. 187 92 168 199 229 199 174 183 166 Fresh vegetables.............................. 183 86 166 200 219 200 167 191 142 Processed fruits.............................. 110 64 110 122 126 108 99 97 100 Processed vegetables.......................... 82 44 77 94 99 80 70 77 62 Other food at home............................. 1,075 618 1,043 1,271 1,316 1,083 812 927 692 Sugar and other sweets........................ 128 54 113 146 162 137 109 127 91 Fats and oils................................. 89 45 78 97 112 97 77 84 69 Miscellaneous foods........................... 527 334 545 643 623 485 394 446 340 Nonalcoholic beverages........................ 290 171 281 340 370 295 201 226 175 Food prepared by consumer unit on out-of-town trips............................ 41 15 26 44 49 69 31 45 18 Food away from home............................. 2,434 1,862 2,550 2,855 2,955 2,524 1,484 1,822 1,138 Alcoholic beverages.............................. 459 503 522 535 502 457 261 329 190 Housing.......................................... 13,918 7,649 14,379 16,794 16,164 14,339 10,259 11,152 9,381 Shelter......................................... 7,998 4,901 8,729 9,856 9,313 7,883 5,329 5,784 4,886 Owned dwellings................................ 5,324 1,009 4,700 7,025 6,968 5,970 3,523 4,134 2,928 Mortgage interest and charges................. 2,936 615 3,190 4,575 4,010 2,813 863 1,317 421 Property taxes................................ 1,391 236 909 1,562 1,747 1,760 1,416 1,534 1,302 Maintenance, repairs, insurance, other expenses..................................... 997 159 601 888 1,211 1,398 1,244 1,283 1,205 Rented dwellings............................... 2,201 3,647 3,802 2,450 1,636 1,169 1,393 1,123 1,655 Other lodging.................................. 473 244 227 381 710 743 414 527 303 Utilities, fuels, and public services........... 2,927 1,413 2,687 3,309 3,413 3,222 2,580 2,881 2,287 Natural gas.................................... 424 135 366 474 473 477 442 478 406 Electricity.................................... 1,064 507 957 1,211 1,231 1,177 957 1,072 845 Fuel oil and other fuels....................... 121 28 61 104 149 161 163 163 164 Telephone services............................. 990 642 1,028 1,145 1,178 1,040 695 815 579 Water and other public services................ 327 101 275 375 381 367 323 353 294 Household operations............................ 753 270 915 992 693 645 694 522 861 Personal services.............................. 300 159 584 568 131 43 201 27 370 Other household expenses....................... 453 110 331 424 562 602 493 495 491 Housekeeping supplies........................... 594 253 499 677 756 657 509 569 445 Laundry and cleaning supplies.................. 149 75 142 170 188 158 111 122 100 Other household products....................... 290 114 223 339 385 318 248 285 210 Postage and stationery......................... 155 64 134 169 183 181 149 162 136 Household furnishings and equipment............. 1,646 812 1,548 1,960 1,989 1,932 1,147 1,395 901 Household textiles............................. 158 55 104 187 182 203 154 122 188 Furniture...................................... 417 261 464 546 415 504 236 322 153 Floor coverings................................ 52 7 36 51 65 87 44 61 26 Major appliances............................... 204 72 184 237 237 240 175 208 143 Small appliances, miscellaneous housewares.................................... 105 62 104 97 125 130 90 109 71 Miscellaneous household equipment.............. 711 355 657 841 966 768 448 573 321 Apparel and services............................. 1,816 1,371 2,134 2,142 2,217 1,863 907 1,200 604 Men and boys.................................... 406 235 456 532 542 338 204 312 93 Men, 16 and over............................... 317 214 336 356 455 285 180 273 84 Boys, 2 to 15.................................. 89 22 120 176 87 53 24 39 9 Women and girls................................. 739 587 755 801 972 793 431 543 315 Women, 16 and over............................. 631 558 638 580 841 743 404 504 300 Girls, 2 to 15................................. 108 29 118 222 131 50 27 39 15 Children under 2................................ 79 102 182 86 53 47 20 28 13 Footwear........................................ 329 258 398 416 385 351 123 153 91 Other apparel products and services............. 264 188 342 306 264 333 129 165 93 Transportation................................... 7,801 4,704 8,485 9,183 9,343 8,421 4,875 6,506 3,286 Vehicle purchases (net outlay).................. 3,397 2,035 4,033 4,190 3,790 3,616 1,966 2,822 1,132 Cars and trucks, new........................... 1,748 542 1,901 2,204 1,827 2,311 1,089 1,561 630 Cars and trucks, used.......................... 1,582 1,430 2,086 1,907 1,826 1,247 872 1,251 502 Other vehicles................................. 66 c/ 63 46 79 138 c/ 58 c/ 5 c/ 9 b/ Gasoline and motor oil.......................... 1,598 1,130 1,679 1,877 1,980 1,666 963 1,259 675 Other vehicle expenses.......................... 2,365 1,326 2,407 2,681 3,061 2,532 1,546 1,902 1,200 Vehicle finance charges........................ 323 147 408 434 398 336 115 182 48 Maintenance and repairs........................ 652 400 602 687 838 742 490 585 398 Vehicle insurance.............................. 964 535 944 1,068 1,273 973 711 825 600 Vehicle rental, leases, licenses, other charges....................................... 426 243 453 491 553 481 230 309 153 Public transportation........................... 441 214 366 435 512 606 400 524 280 Health care...................................... 2,574 654 1,519 2,263 2,695 3,262 3,899 3,799 3,995 Health insurance................................ 1,332 321 842 1,199 1,291 1,567 2,142 2,171 2,115 Medical services................................ 648 184 403 654 809 892 678 631 723 Drugs........................................... 480 118 212 318 461 642 920 854 985 Medical supplies................................ 114 31 62 92 133 161 158 144 172 Entertainment.................................... 2,218 1,166 2,122 2,504 2,711 2,823 1,429 1,879 990 Fees and admissions............................. 528 277 415 666 667 618 361 463 262 Television, radios, sound equipment............. 788 500 843 921 926 810 550 628 474 Pets, toys, hobbies, and playground equipment... 381 218 404 460 477 428 204 261 147 Other entertainment supplies, equipment, and services................................... 522 172 460 457 641 967 314 527 107 Personal care products and services.............. 581 334 552 660 690 628 468 514 421 Reading.......................................... 130 51 94 123 149 177 146 158 135 Education........................................ 905 1,821 726 786 1,567 730 274 352 198 Tobacco products and smoking supplies............ 288 236 283 350 375 301 147 197 98 Miscellaneous.................................... 690 297 600 773 774 825 641 735 547 Cash contributions............................... 1,408 310 815 1,265 1,625 1,752 2,000 2,471 1,542 Personal insurance and pensions.................. 4,823 1,726 4,765 6,273 6,915 5,825 1,592 2,348 856 Life and other personal insurance............... 390 31 235 391 505 612 372 472 275 Pensions and Social Security.................... 4,433 1,695 4,529 5,881 6,410 5,214 1,220 1,875 582 Sources of income and personal taxes: Money income before taxes........................ 54,453 22,840 52,484 65,515 70,434 61,031 34,988 42,137 28,028 Wages and salaries.............................. 43,192 19,954 48,542 59,294 61,021 45,535 10,234 16,264 4,363 Self-employment income.......................... 3,008 619 1,939 3,422 4,662 3,799 2,077 2,977 1,202 Social Security, private and government retirement..................................... 5,848 211 329 750 2,250 8,871 19,561 20,116 19,020 Interest, dividends, rental income, other property income................................ 1,261 278 476 630 1,206 1,800 2,621 2,280 2,954 Unemployment and workers' compensation, veterans' benefits............................. 237 62 221 309 367 278 72 103 43 Public assistance, supplemental security income, food stamps............................ 308 242 364 341 326 342 206 228 185 Regular contributions for support............... 413 966 397 623 420 242 113 61 164 Other income.................................... 187 508 215 146 182 164 103 108 99 Personal taxes................................... 2,166 333 1,665 2,313 3,673 2,987 948 1,010 887 Federal income taxes............................ 1,519 200 1,098 1,557 2,674 2,168 648 679 618 State and local income taxes.................... 472 123 473 598 756 584 93 119 67 Other taxes..................................... 175 10 94 158 244 236 207 213 201 Income after taxes............................... 52,287 22,507 50,819 63,202 66,761 58,043 34,040 41,126 27,142 Addenda: Net change in total assets and liabilities....... -7,567 2,106 -12,474 -11,623 -10,551 -5,473 -1,334 -1,724 -954 Net change in total assets...................... 9,211 9,980 14,666 14,265 7,869 7,376 1,718 3,123 351 Net change in total liabilities................. 16,778 7,873 27,140 25,888 18,420 12,849 3,052 4,846 1,305 Other financial information: Other money receipts............................ 556 72 206 470 507 1,549 423 580 271 Mortgage principal paid on owned property....... -1,791 -184 -1,331 -2,339 -2,668 -2,497 -771 -1,139 -412 Estimated market value of owned home............ 137,639 20,790 89,279 146,382 169,117 179,708 149,859 166,819 133,349 Estimated monthly rental value of owned home.... 781 136 538 871 947 992 808 855 761 Gifts of goods and services...................... 1,215 438 711 1,096 1,935 1,636 1,000 1,068 926 Food............................................ 74 10 37 56 157 109 36 52 21 Alcoholic beverages............................. 20 14 19 26 28 19 10 16 3 Housing......................................... 283 104 182 299 398 372 232 214 248 Housekeeping supplies.......................... 61 20 46 88 80 61 42 51 32 Household textiles............................. 19 c/ 9 11 20 22 31 17 24 10 Appliances and miscellaneous housewares.................................... 32 14 28 30 32 51 30 33 27 Major appliances.............................. 12 c/ 1 4 11 11 27 12 7 16 Small appliances and miscellaneous housewares................................... 20 13 24 18 20 24 19 25 12 Miscellaneous household equipment.............. 72 28 52 106 95 81 36 42 31 Other housing.................................. 99 34 45 56 170 148 107 64 148 Apparel and services............................ 286 181 261 339 329 373 183 256 108 Males, 2 and over.............................. 76 37 51 100 88 97 56 89 21 Females, 2 and over............................ 101 62 77 114 128 129 75 99 50 Children under 2............................... 38 22 58 43 39 41 18 25 11 Other apparel products and services............ 71 59 74 81 74 106 34 42 26 Jewelry and watches........................... 24 26 33 20 16 48 9 14 5 All other apparel products and services....... 47 34 40 61 58 58 25 28 c/ 21 Transportation.................................. 51 12 32 47 85 56 46 47 44 Health care..................................... 49 c/ 8 30 35 44 34 112 26 197 Entertainment................................... 78 33 51 74 108 120 61 87 36 Toys, games, arts and crafts, and tricycles.... 28 10 23 22 31 47 26 41 12 Other entertainment............................ 51 23 28 51 77 73 35 46 24 Personal care products and services............. 29 17 30 44 32 23 16 16 17 Reading......................................... 1 b/ b/ 1 1 2 2 3 2 Education....................................... 250 c/ 16 25 105 663 346 181 196 165 All other gifts................................. 94 43 45 70 90 182 120 156 84 a Value less than 0.05. b Value less than 0.5. c Data are likely to have large sampling errors.