Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2015-2016

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Number of consumer units (in thousands) ....... 16,563 575 3,605 5,412 4,559 1,665 747

Consumer unit characteristics:

Income before taxes ....................................... $106,955 $209,200 $68,391 $108,677 $125,071 $109,255 $86,193

Income after taxes .......................................... 91,246 148,199 63,739 92,313 105,061 94,867 80,043

Age of reference person ................................. 42.9 21.3 30.4 39.5 49.1 58.9 71.7

Average number in consumer unit:

People .......................................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0

Children under 18 ......................................... 1.5 1.3 2.0 1.9 1.3 .7 .6

Adults 65 and older ...................................... .1 1 ( ) 1 ( ) 1 ( ) 1 ( ) .2 1.5

Earners ......................................................... 2.0 2.2 1.6 1.8 2.3 2.4 1.8

Vehicles ........................................................ 2.4 1.9 1.9 2.2 2.9 2.8 2.7

Percent distribution:

Reference person:

Men .............................................................. 45 34 41 43 50 51 52

Women ......................................................... 55 66 59 57 50 49 48

Housing tenure:

Homeowner .................................................. 68 41 50 69 80 78 80

With mortgage ............................................ 52 19 42 59 63 43 42

Without mortgage ....................................... 16 22 8 11 17 35 37

Renter ........................................................... 32 59 50 31 20 22 20

Race of reference person:

Black or African-American ............................ 12 18 16 10 9 15 14

White, Asian, and all other races .................. 88 82 84 90 91 85 86

Hispanic or Latino origin of reference person:

Hispanic or Latino ......................................... 20 32 25 20 17 15 11

Not Hispanic or Latino .................................. 80 68 75 80 83 85 89

Education of reference person:

Elementary (1-8) ........................................... 3 2 ( ) 2 2 3 5 8

High school (9-12) ........................................ 29 66 35 21 26 31 51

College ......................................................... 68 34 63 77 71 64 40

Never attended and other ............................. 1 ( ) 2 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( )

At least one vehicle owned or leased ............. 95 81 92 95 97 95 94

Average annual expenditures ........................... $76,536 $57,772 $58,442 $78,382 $92,604 $80,050 $62,433

Food ............................................................... 9,977 7,514 8,214 10,353 11,724 10,206 7,795

Food at home ............................................... 5,654 4,678 4,945 5,637 6,401 5,857 5,643

Cereals and bakery products ..................... 767 592 661 774 856 785 889

Cereals and cereal products .................... 270 222 228 283 292 235 413

Bakery products ....................................... 496 370 433 492 564 550 476

Meats, poultry, fish, and eggs .................... 1,252 1,156 1,092 1,203 1,470 1,300 1,178

Beef .......................................................... 325 323 289 309 380 328 302

Pork .......................................................... 225 165 185 203 289 241 245

Other meats .............................................. 182 153 164 186 206 169 181

Poultry ...................................................... 273 277 249 268 320 273 146

Fish and seafood ...................................... 167 151 135 155 188 211 233

Eggs ......................................................... 80 86 69 83 86 79 70

Dairy products ............................................ 600 401 529 615 650 671 609

Fresh milk and cream ............................... 210 179 194 215 229 210 168

Other dairy products ................................. 390 223 335 400 422 461 442

Fruits and vegetables ................................. 1,086 922 923 1,114 1,229 1,105 1,026

Fresh fruits ............................................... 407 365 333 409 490 400 342

Fresh vegetables ...................................... 342 299 299 346 372 359 367

Processed fruits ........................................ 152 96 132 164 169 139 144

Processed vegetables .............................. 186 161 158 196 198 208 173

Other food at home .................................... 1,948 1,606 1,740 1,930 2,197 1,996 1,941

Sugar and other sweets ........................... 191 151 155 185 231 207 193

Fats and oils ............................................. 147 125 121 147 167 155 176

Miscellaneous foods ................................. 1,036 907 975 1,036 1,118 1,034 1,007

Nonalcoholic beverages ........................... 498 395 444 473 580 534 528

Food prepared by consumer unit on

out-of-town trips ...................................... 76 328 45 88 101 66 338

See footnotes at end of table.
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2015-2016 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Food away from home .................................. 4,324 2,836 3,269 4,716 5,323 4,349 2,152

Alcoholic beverages ....................................... 498 170 400 563 595 505 226

Housing .......................................................... 24,535 16,288 20,612 26,760 27,369 23,692 18,830

Shelter .......................................................... 13,968 9,854 11,278 15,693 15,714 12,883 9,389

Owned dwellings ........................................ 9,191 3,056 5,650 10,762 11,418 8,898 6,691

Mortgage interest and charges ................. 5,062 1,595 3,596 6,317 5,941 3,850 3,034

Property taxes .......................................... 2,642 903 1,331 2,702 3,645 3,386 2,097

Maintenance, repairs, insurance, other

expenses ................................................ 1,488 558 722 1,743 1,833 1,661 1,559

Rented dwellings ........................................ 3,906 6,429 5,279 4,069 3,009 2,786 2,124

Other lodging .............................................. 871 3370 349 862 1,287 1,199 575

Utilities, fuels, and public services ................ 5,065 3,879 4,094 4,936 5,894 5,562 5,422

Natural gas ................................................. 478 248 377 470 548 584 528

Electricity .................................................... 1,848 1,551 1,547 1,802 2,074 2,022 2,100

Fuel oil and other fuels ............................... 102 344 70 87 131 142 3145

Telephone services .................................... 1,909 1,524 1,535 1,856 2,272 2,043 1,870

Residential phone service, VOIP, and

phone cards ............................................ 339 187 171 327 418 490 547

Cellular phone service .............................. 1,569 1,338 1,365 1,529 1,854 1,552 1,323

Water and other public services ................. 728 511 565 721 869 772 780

Household operations .................................. 2,321 787 2,728 3,180 1,769 1,180 1,225

Personal services ....................................... 1,213 3242 1,953 1,936 474 377 3189

Other household expenses ........................ 1,108 545 775 1,244 1,295 1,102 1,036

Housekeeping supplies ................................ 802 480 683 727 979 1,033 760

Laundry and cleaning supplies ................... 213 121 187 184 256 284 262

Other household products .......................... 444 270 393 411 524 573 370

Postage and stationery ............................... 145 389 103 132 199 176 127

Household furnishings and equipment ......... 2,379 1,287 1,828 2,224 3,013 3,034 2,035

Household textiles ...................................... 155 335 136 139 195 178 3221

Furniture ..................................................... 655 460 505 652 811 633 657

Floor coverings ........................................... 22 1 ( ) 13 17 31 35 322

Major appliances ........................................ 350 318 250 393 368 396 342

Small appliances, miscellaneous

housewares .............................................. 121 96 103 117 165 111 32

Miscellaneous household equipment ......... 1,076 378 820 906 1,443 1,682 761

Apparel and services ...................................... 3,126 1,875 2,542 3,333 4,201 2,266 1,447

Men and boys ............................................... 701 431 646 755 792 717 254

Men, 16 and over ....................................... 466 393 402 379 619 636 229

Boys, 2 to 15 .............................................. 235 38 245 376 172 81 25

Women and girls .......................................... 1,048 503 841 898 1,655 848 663

Women, 16 and over .................................. 797 343 623 622 1,326 686 592

Girls, 2 to 15 ............................................... 252 160 217 276 329 162 72

Children under 2 ........................................... 165 3239 335 176 321 373 3162

Footwear ...................................................... 608 3531 391 683 883 346 3214

Other apparel products and services ........... 604 170 329 820 851 282 154

Transportation ................................................ 12,916 11,343 10,998 12,838 14,780 13,257 12,062

Vehicle purchases (net outlay) ..................... 5,523 5,534 4,988 5,425 6,061 5,447 5,682

Cars and trucks, new .................................. 2,488 31,868 2,215 2,478 2,464 2,872 3,651

Cars and trucks, used ................................ 2,974 3,306 2,705 2,865 3,588 2,541 2,013

Other vehicles ............................................ 61 3360 367 382 39

335 318

Gasoline and motor oil ................................. 2,873 2,336 2,529 2,858 3,247 3,078 2,326

Other vehicle expenses ................................ 3,692 3,048 3,063 3,585 4,395 3,797 3,729

Vehicle finance charges ............................. 353 238 366 376 336 380 248

Maintenance and repairs ............................ 1,104 801 752 1,002 1,498 1,252 1,103

Vehicle insurance ....................................... 1,387 31,637 1,250 1,149 1,701 31,357 31,915

Vehicle rental, leases, licenses, and other

charges ..................................................... 849 373 696 1,058 860 808 463

Public and other transportation .................... 828 425 417 970 1,078 935 326

Healthcare ...................................................... 5,101 2,368 3,410 4,938 6,187 6,610 6,597

Health insurance .......................................... 3,509 1,523 2,395 3,470 4,253 4,108 4,825

Medical services ........................................... 1,036 557 694 944 1,227 1,767 926

Drugs ............................................................ 411 219 226 370 530 562 718

Medical supplies ........................................... 145 368 95 154 177 172 128

Entertainment ................................................. 3,750 1,808 2,805 3,924 4,463 4,445 2,925

Fees and admissions ................................... 1,125 332 617 1,382 1,559 773 488

Audio and visual equipment and services .... 1,283 1,041 1,160 1,330 1,362 1,301 1,173

See footnotes at end of table.
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2015-2016 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Pets, toys, hobbies, and playground

equipment ................................................... 876 328 613 702 1,035 1,814 1,043

Pets ............................................................ 639 251 290 441 817 1,671 969

Toys, hobbies, and playground equipment 237 377 323 261 218 142 374

Other entertainment supplies, equipment,

and services ............................................... 466 3107 416 511 508 556 3221

Personal care products and services ............. 877 592 595 915 1,115 936 721

Reading .......................................................... 120 390 67 104 167 167 158

Education ....................................................... 2,100 2,232 516 1,645 4,135 2,041 670

Tobacco products and smoking supplies ....... 411 722 380 330 413 444 822

Miscellaneous ................................................. 1,198 238 489 1,287 1,736 1,345 1,155

Cash contributions .......................................... 1,657 3,555 923 1,569 2,190 1,409 1,682

Personal insurance and pensions .................. 10,268 8,978 6,491 9,823 13,527 12,729 7,342

Life and other personal insurance ................ 405 358 188 377 485 884 374

Pensions and Social Security ....................... 9,863 8,920 6,304 9,447 13,043 11,844 6,968

Sources of income and personal taxes:

Money income before taxes ........................... $106,955 $209,200 $68,391 $108,677 $125,071 $109,255 $86,193

Wages and salaries ...................................... 89,292 49,495 62,590 98,096 111,345 86,219 57,256

Self-employment income .............................. 12,013 3156,157 2,902 7,037 9,353 9,967 1,877

Social Security, private and government

retirement ................................................... 3,103 3931 530 1,042 2,298 8,770 24,402

Interest, dividends, rental income, other

property income .......................................... 978 3118 324 1,192 947 2,001 1,164

Public assistance, Supplemental Security

Income, Supplementary Nutrition

Assistance Program (SNAP) ...................... 764 1,718 1,297 505 464 967 715

Unemployment and workers’

compensation, veterans’ benefits, and

regular contributions for support ................. 527 3285 348 622 454 809 706

Other income ................................................ 278 3495 399 184 210 3523 373

Personal taxes (contains some imputed

values) .......................................................... 15,709 61,001 4,653 16,365 20,010 14,388 6,150

Federal income taxes ................................... 12,538 60,187 3,058 12,773 15,548 11,144 4,658

State and local income taxes ....................... 3,065 784 1,571 3,530 4,227 3,128 1,433

Other taxes ................................................... 106 330 323 62 235 3116 359

Income after taxes .......................................... 91,246 148,199 63,739 92,313 105,061 94,867 80,043

Addenda:

Net change in total assets and liabilities ........ $7,377 - $1,682 - $3,246 $8,613 $12,786 $13,961 $8,983

Net change in total assets ............................ 20,817 4,929 12,737 24,777 24,042 24,712 14,989

Net change in total liabilities ......................... 13,440 6,611 15,984 16,164 11,257 10,751 6,006

Other financial information:

Other money receipts ................................... 602 37 208 659 615 31,630 3172

Mortgage principal paid on owned property -2,723 -820 -1,293 -2,816 -4,082 -2,805 -1,949

Estimated market value of owned home ...... 212,176 73,484 107,167 222,256 283,582 251,328 229,554

Estimated monthly rental value of owned

home .......................................................... 1,186 472 702 1,221 1,512 1,437 1,257

Gifts of goods and services, total ................... 1,209 1,580 635 679 2,363 1,356 456

Food ............................................................. 68 32 90 33 96 101 310

Alcoholic beverages ..................................... 7 31

38 8 5 317 1 ( )

Housing ........................................................ 201 359 137 160 261 343 251

Housekeeping supplies .............................. 25 37 15 23 39 29 324

Household textiles ...................................... 314 2 ( ) 2 ( ) 313 336 37

2 ( )

Appliances and miscellaneous

housewares .............................................. 11 1 ( ) 38

38311 319 333

Major appliances ...................................... 6 2 ( ) 34

343438333

Small appliances and miscellaneous

housewares ............................................ 5 1 ( ) 34

3437311 1 ( )

Miscellaneous household equipment ......... 42 32 68 19 37 389 339

See footnotes at end of table.
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2015-2016 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other housing ............................................. 108 350 45 97 138 199 155

Apparel and services .................................... 347 3107 208 201 814 151 399

Males, 2 and over ....................................... 45 34 30 50 56 358 317

Females, 2 and over ................................... 61 39 41 50 109 339 359

Children under 2 ......................................... 45 322 61 62 318 345 31

Other apparel products and services ......... 197 373 377 338 3631 310 321

Jewelry and watches ................................ 169 31

348 313611 1 ( ) 321

All other apparel products and services ... 28 371 329 337 321 39

2 ( )

Transportation .............................................. 131 898 100 84 84 261 35

Healthcare .................................................... 10 2 ( ) 32

37318 322 35

Entertainment ............................................... 78 323 366 77 104 78 343

Toys, games, arts and crafts, and tricycles 39 31

347 340 347 322 323

Other entertainment ................................... 39 323 19 38 57 56 320

Personal care products and services ........... 6 2 ( ) 32 6 13 38

35

Reading ........................................................ 3 33

31 4 4 382 ( )

Education ..................................................... 303 3475 33 52 880 3268 2 ( )

All other gifts ................................................. 53 313 19 48 83 98 38

1 Value is too small to display.

2 No data reported.

3 Data are likely to have large sampling errors.

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2017