Table 4500. Selected age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2004 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)........... 116,282 18,107 98,175 64,286 51,996 76,038 40,244 93,516 22,765 Consumer unit characteristics: Income before taxes ............................. $54,453 $34,712 $58,094 $56,583 $51,819 $58,769 $46,298 $59,192 $34,988 Income after taxes .............................. 52,287 33,835 55,690 54,476 49,581 56,427 44,465 56,729 34,040 Age of reference person.......................... 48.5 24.3 52.9 35.5 64.6 38.0 68.3 42.0 75.3 Average number in consumer unit: Persons......................................... 2.5 2.3 2.5 2.9 2.0 2.8 1.9 2.7 1.7 Children under 18............................... .6 .6 .6 1.0 .2 .9 .1 .8 .1 Persons 65 and over............................. .3 a/ .4 a/ .6 a/ .8 a/ 1.4 Earners......................................... 1.3 1.4 1.3 1.6 1.0 1.6 .8 1.5 .5 Vehicles........................................ 1.9 1.4 2.0 1.9 1.9 2.0 1.8 2.0 1.5 Percent distribution: Sex of reference person: Male............................................ 48 49 48 48 48 49 48 49 46 Female.......................................... 52 51 52 52 52 51 52 51 54 Housing tenure: Homeowner....................................... 68 28 75 57 81 60 81 65 80 With mortgage.................................. 42 22 46 47 36 49 30 48 18 Without mortgage............................... 25 6 29 10 45 12 51 17 62 Renter.......................................... 32 72 25 43 19 40 19 35 20 Race of reference person: Black or African-American....................... 12 12 12 13 10 13 10 12 9 White, Asian, and All Other Races............... 88 88 88 87 89 87 90 88 91 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 11 15 10 14 7 13 6 12 5 Not Hispanic or Latino (new UCC Q20032)......... 89 85 90 86 93 87 94 88 95 Education of reference person: Elementary (1-8)................................ 5 3 6 3 8 3 10 4 12 High school (9-12).............................. 35 31 36 33 39 32 41 33 46 College......................................... 59 66 57 64 53 64 49 63 42 Never attended and other........................ b/ b/ b/ b/ b/ b/ (c/ ) b/ 1 At least one vehicle owned or leased............. 88 80 90 88 88 89 87 90 83 Average annual expenditures....................... $43,395 $32,018 $45,494 $44,978 $41,409 $46,155 $38,140 $46,370 $31,104 Food............................................. 5,781 4,506 6,017 6,103 5,367 6,213 4,942 6,156 4,206 Food at home.................................... 3,347 2,395 3,523 3,441 3,225 3,522 3,006 3,495 2,722 Cereals and bakery products.................... 461 328 486 478 439 486 413 477 394 Cereals and cereal products................... 154 125 159 167 137 168 126 162 118 Bakery products............................... 307 203 326 311 302 318 287 314 276 Meats, poultry, fish, and eggs................. 880 640 924 900 854 930 781 924 694 Beef.......................................... 265 195 278 278 249 285 228 280 205 Pork.......................................... 181 129 191 178 185 186 172 189 148 Other meats................................... 108 70 115 110 106 114 96 112 91 Poultry....................................... 156 134 160 163 145 169 129 167 108 Fish and seafood.............................. 128 79 137 130 126 134 115 134 103 Eggs.......................................... 42 33 44 41 43 42 42 43 38 Dairy products................................. 371 260 391 383 355 387 338 384 313 Fresh milk and cream.......................... 144 112 150 155 131 154 126 151 118 Other dairy products.......................... 226 149 241 228 223 233 212 234 195 Fruits and vegetables.......................... 561 380 595 556 567 570 544 573 510 Fresh fruits.................................. 187 120 199 182 192 187 185 190 174 Fresh vegetables.............................. 183 121 194 180 187 184 181 187 167 Processed fruits.............................. 110 81 115 112 106 113 103 112 99 Processed vegetables.......................... 82 58 86 82 81 85 74 84 70 Other food at home............................. 1,075 788 1,128 1,124 1,011 1,149 930 1,137 812 Sugar and other sweets........................ 128 81 137 128 128 132 121 133 109 Fats and oils................................. 89 59 94 87 92 91 86 92 77 Miscellaneous foods........................... 527 402 550 572 470 576 434 559 394 Nonalcoholic beverages........................ 290 229 301 302 273 314 242 311 201 Food prepared by consumer unit on out-of-town trips............................ 41 16 45 35 48 37 47 43 31 Food away from home............................. 2,434 2,111 2,494 2,662 2,142 2,691 1,937 2,661 1,484 Alcoholic beverages.............................. 459 508 450 517 385 518 346 506 261 Housing.......................................... 13,918 10,292 14,588 14,693 12,963 14,916 12,031 14,808 10,259 Shelter......................................... 7,998 6,341 8,304 8,759 7,058 8,824 6,438 8,648 5,329 Owned dwellings................................ 5,324 2,183 5,904 5,506 5,100 5,715 4,586 5,763 3,523 Mortgage interest and charges................. 2,936 1,477 3,205 3,536 2,195 3,585 1,710 3,441 863 Property taxes................................ 1,391 442 1,566 1,213 1,611 1,299 1,565 1,385 1,416 Maintenance, repairs, insurance, other expenses..................................... 997 264 1,132 757 1,294 831 1,311 937 1,244 Rented dwellings............................... 2,201 3,942 1,880 2,889 1,350 2,680 1,296 2,398 1,393 Other lodging.................................. 473 216 520 364 608 428 557 487 414 Utilities, fuels, and public services........... 2,927 1,954 3,106 2,885 2,979 2,962 2,859 3,011 2,580 Natural gas.................................... 424 221 462 392 464 407 457 420 442 Electricity.................................... 1,064 697 1,132 1,043 1,091 1,071 1,052 1,091 957 Fuel oil and other fuels....................... 121 43 135 91 157 98 162 110 163 Telephone services............................. 990 823 1,021 1,050 916 1,067 845 1,062 695 Water and other public services................ 327 170 357 309 351 320 342 329 323 Household operations............................ 753 482 803 812 680 795 673 767 694 Personal services.............................. 300 291 301 440 127 388 132 324 201 Other household expenses....................... 453 191 501 372 553 407 540 443 493 Housekeeping supplies........................... 594 373 636 582 610 605 573 615 509 Laundry and cleaning supplies.................. 149 106 157 153 143 157 132 157 111 Other household products....................... 290 155 315 282 301 296 279 300 248 Postage and stationery......................... 155 112 164 148 165 152 163 157 149 Household furnishings and equipment............. 1,646 1,142 1,739 1,655 1,636 1,729 1,488 1,767 1,147 Household textiles............................. 158 82 172 143 176 149 175 159 154 Furniture...................................... 417 347 430 455 371 451 352 461 236 Floor coverings................................ 52 21 58 42 64 46 62 54 44 Major appliances............................... 204 128 218 201 207 204 203 211 175 Small appliances, miscellaneous housewares.................................... 105 80 109 101 110 103 108 108 90 Miscellaneous household equipment.............. 711 485 753 712 709 775 587 774 448 Apparel and services............................. 1,816 1,714 1,835 2,072 1,491 2,072 1,323 2,033 907 Men and boys.................................... 406 353 416 475 319 481 263 454 204 Men, 16 and over............................... 317 291 322 349 276 364 226 350 180 Boys, 2 to 15.................................. 89 62 94 125 43 116 37 105 24 Women and girls................................. 739 614 762 798 663 816 588 812 431 Women, 16 and over............................. 631 555 645 643 615 672 552 685 404 Girls, 2 to 15................................. 108 59 116 155 48 145 37 127 27 Children under 2................................ 79 149 65 112 36 103 32 92 20 Footwear........................................ 329 329 329 394 245 384 222 378 123 Other apparel products and services............. 264 269 263 294 227 289 217 297 129 Transportation................................... 7,801 6,541 8,034 8,388 7,076 8,535 6,415 8,514 4,875 Vehicle purchases (net outlay).................. 3,397 2,996 3,471 3,760 2,948 3,775 2,683 3,746 1,966 Cars and trucks, new........................... 1,748 1,138 1,861 1,795 1,691 1,816 1,620 1,909 1,089 Cars and trucks, used.......................... 1,582 1,815 1,539 1,875 1,220 1,872 1,035 1,755 872 Other vehicles................................. 66 44 71 90 37 87 28 81 d/ 5 Gasoline and motor oil.......................... 1,598 1,370 1,639 1,744 1,417 1,772 1,268 1,752 963 Other vehicle expenses.......................... 2,365 1,901 2,451 2,490 2,212 2,573 1,974 2,565 1,546 Vehicle finance charges........................ 323 267 334 382 251 383 211 374 115 Maintenance and repairs........................ 652 499 680 647 657 679 599 691 490 Vehicle insurance.............................. 964 760 1,002 1,004 916 1,038 825 1,026 711 Vehicle rental, leases, licenses, other charges....................................... 426 375 435 457 388 472 339 474 230 Public transportation........................... 441 274 472 395 499 416 490 451 400 Health care...................................... 2,574 982 2,868 1,862 3,456 2,020 3,622 2,252 3,899 Health insurance................................ 1,332 515 1,482 982 1,764 1,035 1,892 1,134 2,142 Medical services................................ 648 266 719 515 813 584 771 641 678 Drugs........................................... 480 156 540 283 725 312 799 373 920 Medical supplies................................ 114 46 126 82 154 90 159 103 158 Entertainment.................................... 2,218 1,540 2,344 2,273 2,149 2,314 2,035 2,410 1,429 Fees and admissions............................. 528 312 568 546 505 557 473 569 361 Television, radios, sound equipment............. 788 657 812 844 718 854 663 845 550 Pets, toys, hobbies, and playground equipment... 381 288 398 415 338 422 301 423 204 Other entertainment supplies, equipment, and services................................... 522 283 566 468 588 482 598 572 314 Personal care products and services.............. 581 433 608 593 565 603 537 608 468 Reading.......................................... 130 65 142 107 159 115 160 127 146 Education........................................ 905 1,335 826 1,042 736 1,134 472 1,059 274 Tobacco products and smoking supplies............ 288 265 292 322 246 328 214 322 147 Miscellaneous.................................... 690 420 740 656 732 674 721 702 641 Cash contributions............................... 1,408 494 1,577 1,062 1,836 1,152 1,892 1,264 2,000 Personal insurance and pensions.................. 4,823 2,921 5,174 5,288 4,248 5,560 3,430 5,610 1,592 Life and other personal insurance............... 390 103 443 313 486 345 476 395 372 Pensions and Social Security.................... 4,433 2,818 4,731 4,975 3,762 5,215 2,954 5,215 1,220 Sources of income and personal taxes: Money income before taxes........................ 54,453 34,712 58,094 56,583 51,819 58,769 46,298 59,192 34,988 Wages and salaries.............................. 43,192 31,757 45,302 50,919 33,639 52,522 25,565 51,216 10,234 Self-employment income.......................... 3,008 921 3,393 2,870 3,178 3,105 2,825 3,234 2,077 Social Security, private and government retirement..................................... 5,848 207 6,888 786 12,107 1,048 14,918 2,510 19,561 Interest, dividends, rental income, other property income................................ 1,261 290 1,440 631 2,039 729 2,265 929 2,621 Unemployment and workers' compensation, veterans' benefits............................. 237 131 256 258 210 276 162 276 72 Public assistance, supplemental security income, food stamps............................ 308 350 300 332 279 331 265 333 206 Regular contributions for support............... 413 682 363 570 218 541 169 485 113 Other income.................................... 187 373 152 217 149 217 130 207 103 Personal taxes................................... 2,166 877 2,404 2,108 2,238 2,342 1,834 2,462 948 Federal income taxes............................ 1,519 552 1,697 1,453 1,601 1,631 1,308 1,731 648 State and local income taxes.................... 472 290 506 521 412 560 306 564 93 Other taxes..................................... 175 35 200 134 225 151 219 167 207 Income after taxes............................... 52,287 33,835 55,690 54,476 49,581 56,427 44,465 56,729 34,040 Addenda: Net change in total assets and liabilities....... -7,567 -5,529 -7,943 -9,560 -5,102 -9,914 -3,132 -9,084 -1,334 Net change in total assets...................... 9,211 11,362 8,814 12,759 4,824 11,876 4,176 11,035 1,718 Net change in total liabilities................. 16,778 16,891 16,757 22,320 9,926 21,790 7,307 20,119 3,052 Other financial information: Other money receipts............................ 556 110 639 314 856 368 912 589 423 Mortgage principal paid on owned property....... -1,791 -518 -2,026 -1,781 -1,804 -1,934 -1,520 -2,039 -771 Estimated market value of owned home............ 137,639 40,895 155,482 115,917 164,495 124,310 162,823 134,664 149,859 Estimated monthly rental value of owned home.... 781 270 875 680 906 724 888 774 808 Gifts of goods and services...................... 1,215 545 1,339 1,003 1,476 1,182 1,276 1,267 1,000 Food............................................ 74 19 84 60 91 77 68 83 36 Alcoholic beverages............................. 20 18 20 23 17 23 14 22 10 Housing......................................... 283 154 307 250 323 277 293 295 232 Housekeeping supplies.......................... 61 37 66 65 56 67 50 66 42 Household textiles............................. 19 11 20 16 23 17 23 19 17 Appliances and miscellaneous housewares.................................... 32 20 34 29 36 28 39 32 30 Major appliances.............................. 12 d/ 4 13 9 15 8 18 12 12 Small appliances and miscellaneous housewares................................... 20 16 21 20 21 20 21 21 19 Miscellaneous household equipment.............. 72 47 76 75 67 80 56 80 36 Other housing.................................. 99 39 110 66 141 86 124 97 107 Apparel and services............................ 286 204 302 288 284 297 265 311 183 Males, 2 and over.............................. 76 46 81 74 77 76 74 80 56 Females, 2 and over............................ 101 56 110 96 108 103 98 107 75 Children under 2............................... 38 42 38 45 30 43 28 43 18 Other apparel products and services............ 71 60 73 73 69 74 65 80 34 Jewelry and watches........................... 24 25 24 24 24 23 26 28 9 All other apparel products and services....... 47 35 50 49 45 51 39 53 25 Transportation.................................. 51 18 57 42 61 51 50 52 46 Health care..................................... 49 7 57 28 75 34 79 34 112 Entertainment................................... 78 38 86 68 91 74 87 82 61 Toys, games, arts and crafts, and tricycles.... 28 15 30 21 36 24 35 28 26 Other entertainment............................ 51 23 56 47 55 50 52 54 35 Personal care products and services............. 29 28 29 35 21 34 19 32 16 Reading......................................... 1 b/ 1 b/ 2 1 2 1 2 Education....................................... 250 22 292 148 375 248 253 267 181 All other gifts................................. 94 38 105 61 136 67 147 88 120 a Value less than 0.05. b Value less than 0.5. c Value equal to 0.5. d Data are likely to have large sampling errors.