Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2010-2011

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Number of consumer units (in thousands) ....... 24,938 749 811 1,163 991 2,133 2,236 2,188 3,764 10,902 

Consumer unit characteristics: 

Income before taxes ..................................... $79,056 - $16,012 $8,014 $12,586 $17,691 $24,950 $34,728 $44,814 $59,678 $136,781 

Income after taxes ........................................ 75,753 -15,707 8,209 12,893 17,910 25,263 34,514 44,127 58,246 129,751 

Age of reference person ................................ 49.5 49.9 49.6 50.0 49.6 49.4 49.5 49.6 49.5 49.5 

Average number in consumer unit:

Persons ........................................................ 2.8 1.9 1.7 1.8 2.3 2.5 2.5 2.5 2.8 3.2 

Children under 18 ........................................ .6 .4 .3 .3 .5 .6 .5 .5 .6 .8 

Persons 65 and older ................................... .1 1 ( ) 1 ( ) 1 ( ) 2.1 .1 .1 .1 .1 .1 

Earners ........................................................ 1.6 .6 .6 .5 .9 1.1 1.4 1.5 1.8 2.1 

Vehicles ....................................................... 2.3 1.3 1.0 1.1 1.3 1.5 1.7 2.1 2.3 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 47 44 48 44 39 43 40 46 42 53 

Female ......................................................... 53 56 52 56 61 57 60 54 58 47 

Housing tenure:

Homeowner .................................................. 72 41 37 35 43 50 60 68 77 90 

With mortgage ............................................ 54 25 18 15 22 30 42 49 60 73 

Without mortgage ....................................... 18 16 18 20 20 21 19 19 17 17 

Renter .......................................................... 28 59 63 65 57 50 40 32 23 10 

Race of reference person:

Black or African-American ........................... 13 25 24 22 22 17 16 15 14 8 

White, Asian, and all other races ................. 87 75 76 78 78 83 84 85 86 92 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 12 13 15 15 18 21 18 15 12 8 

Not Hispanic or Latino .................................. 88 87 85 85 82 79 82 85 88 92 

Education of reference person:

Elementary (1-8) .......................................... 4 4 8 4 10 7 7 5 3 1 

High school (9-12) ........................................ 35 50 51 55 56 54 42 40 37 22 

College ......................................................... 61 45 39 40 33 39 52 55 60 77 

Never attended and other ............................ 3 ( ) 1 2 1 1 3 ( ) 4 ( ) 4 ( ) 3 ( ) 3 ( )

At least one vehicle owned or leased ............ 91 67 65 69 79 84 90 95 95 98 

Average annual expenditures .......................... $57,919 $28,186 $20,316 $20,366 $24,735 $28,940 $34,913 $41,163 $49,364 $86,670 

Food ............................................................... 7,325 3,680 3,256 3,417 3,967 4,426 4,827 5,354 6,577 10,421

Food at home ............................................... 4,395 2,518 2,450 2,575 2,777 3,050 3,218 3,274 4,010 5,922 

Cereals and bakery products ..................... 605 356 389 319 370 423 457 462 525 820 

Cereals and cereal products .................... 200 115 130 105 151 146 154 147 178 265 

Bakery products ....................................... 405 241 259 214 219 277 302 315 347 554 

Meats, poultry, fish, and eggs .................... 966 535 498 669 626 672 727 780 896 1,271 

Beef .......................................................... 265 147 130 194 184 188 188 239 247 343 

Pork .......................................................... 180 121 87 134 108 143 155 143 178 224 

Other meats ............................................. 152 80 96 93 80 85 94 108 153 211 

Poultry ...................................................... 178 71 61 142 115 123 154 155 150 235 

Fish and seafood ..................................... 135 76 89 60 91 86 86 91 118 190 

Eggs ......................................................... 55 41 34 44 48 48 50 44 49 67 

Dairy products ............................................ 464 287 253 282 276 323 337 329 420 630 

Fresh milk and cream .............................. 168 117 99 124 122 133 130 133 157 212 

Other dairy products ................................ 296 170 154 158 155 190 207 197 262 418 

Fruits and vegetables ................................. 811 508 466 449 473 562 599 548 708 1,118 

Fresh fruits ............................................... 274 150 166 122 157 198 198 171 220 390 

Fresh vegetables ..................................... 254 152 112 152 141 171 190 183 222 351 

Processed fruits ....................................... 131 91 87 73 86 86 87 76 119 183 

Processed vegetables .............................. 152 115 100 101 88 108 124 119 148 194 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2010-2011 — Continued

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other food at home .................................... $1,549 $832 $845 $856 $1,032 $1,071 $1,098 $1,155 $1,461 $2,083 

Sugar and other sweets ........................... 163 79 88 84 96 111 123 119 150 222 

Fats and oils ............................................. 124 86 65 70 90 93 91 105 123 158 

Miscellaneous foods ................................ 779 429 421 428 511 520 551 521 759 1,058 

Nonalcoholic beverages ........................... 430 226 266 274 322 332 307 387 378 557 

Food prepared by consumer unit on

out-of-town trips ..................................... 53 211 25 21 214 14 26 24 50 88 

Food away from home ................................. 2,931 1,162 806 842 1,190 1,375 1,609 2,080 2,568 4,499 

Alcoholic beverages ....................................... 453 221 257 164 140 135 294 268 366 731 

Housing .......................................................... 18,840 11,273 9,007 8,809 10,137 11,316 12,610 14,619 16,769 26,285 

Shelter .......................................................... 11,315 7,653 5,594 5,384 5,625 6,700 7,447 8,624 9,934 15,855 

Owned dwellings ........................................ 7,969 3,584 2,077 1,652 1,817 2,781 3,945 5,182 7,005 12,675 

Mortgage interest and charges ................ 4,453 2,377 1,340 860 999 1,394 2,256 2,987 4,149 6,972 

Property taxes .......................................... 2,297 882 515 420 546 956 1,068 1,367 1,857 3,740 

Maintenance, repairs, insurance, other

expenses ................................................ 1,219 325 222 372 273 431 621 828 998 1,963 

Rented dwellings ........................................ 2,537 3,650 3,251 3,705 3,704 3,751 3,378 3,134 2,505 1,658 

Other lodging ............................................. 809 2419 2265 228 2103 168 124 308 424 1,522 

Utilities, fuels, and public services ............... 4,265 2,582 2,334 2,435 3,020 3,237 3,540 3,706 4,206 5,316 

Natural gas ................................................. 494 277 225 187 317 315 391 408 442 668 

Electricity .................................................... 1,590 1,106 991 1,095 1,295 1,382 1,376 1,445 1,597 1,858 

Fuel oil and other fuels ............................... 162 282 284 282 239 68 83 97 165 240 

Telephone services .................................... 1,465 798 718 790 1,011 1,097 1,225 1,298 1,470 1,832 

Water and other public services ................. 555 320 316 280 358 375 464 458 532 718 

Household operations .................................. 964 348 313 249 340 369 468 621 689 1,570 

Personal services ....................................... 190 219 2109 25 211 244 249 290 84 357 

Other household expenses ........................ 774 329 204 244 328 325 419 531 605 1,213 

Housekeeping supplies ................................ 670 273 332 312 567 436 362 450 552 969 

Laundry and cleaning supplies .................. 166 97 97 133 122 135 109 135 152 213 

Other household products .......................... 356 119 173 133 241 222 191 223 292 533 

Postage and stationery .............................. 148 257 261 47 204 79 62 92 108 222 

Household furnishings and equipment ......... 1,626 416 434 429 585 575 793 1,218 1,388 2,575 

Household textiles ...................................... 108 84 11 21 78 59 65 73 56 174 

Furniture ..................................................... 326 83 57 93 212 101 154 206 216 540 

Floor coverings .......................................... 29 217 25 21 23 8 10 44 13 47 

Major appliances ........................................ 215 77 86 78 77 82 116 168 179 329 

Small appliances, miscellaneous

housewares .............................................. 105 36 23 38 53 48 64 79 93 158 

Miscellaneous household equipment ......... 842 119 252 199 162 276 385 647 830 1,327 

Apparel and services ..................................... 1,974 853 1,111 429 1,061 1,313 1,344 1,270 1,473 2,957 

Men and boys .............................................. 451 85 306 43 227 278 311 266 322 699 

Men, 16 and over ....................................... 372 263 2257 214 193 240 257 220 252 582 

Boys, 2 to 15 .............................................. 79 23 49 29 34 38 54 47 70 117 

Women and girls .......................................... 861 266 362 181 410 496 609 571 649 1,320 

Women, 16 and over .................................. 728 241 345 129 303 408 548 468 535 1,123 

Girls, 2 to 15 ............................................... 134 225 217 51 107 88 61 103 114 198 

Children under 2 .......................................... 52 218 220 229 229 41 52 39 51 66 

Footwear ...................................................... 376 2332 2293 279 262 351 268 261 303 505 

Other apparel products and services ........... 234 152 130 97 132 146 103 133 148 367 

Transportation ................................................ 9,379 4,273 3,218 2,775 3,969 4,431 6,170 7,553 8,530 13,687 

Vehicle purchases (net outlay) ..................... 2,834 2977 21,137 2374 1,019 525 2,119 2,232 2,517 4,343 

Cars and trucks, new ................................. 1,300 2731 4 ( ) 4 ( ) 2395 296 2685 2594 905 2,297 

Cars and trucks, used ................................ 1,487 2246 1,137 374 624 426 1,402 1,534 1,528 1,996 

Other vehicles ............................................ 47 4 ( ) 4 ( ) 4 ( ) 4 ( ) 23 232 2104 284 50 

Gasoline and motor oil ................................. 2,921 1,329 1,259 1,340 1,491 2,081 2,187 2,638 2,983 3,802 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2010-2011 — Continued

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other vehicle expenses ............................... $3,004 $1,817 $690 $883 $1,304 $1,627 $1,653 $2,420 $2,684 $4,428 

Vehicle finance charges ............................. 284 272 261 53 60 112 179 257 257 430 

Maintenance and repairs ........................... 962 291 364 337 484 460 624 820 801 1,416 

Vehicle insurance ....................................... 1,232 21,283 2184 2391 2599 851 2632 1,078 1,290 1,675 

Vehicle rental, leases, licenses, and other

charges .................................................... 527 171 81 102 161 204 218 264 336 908 

Public and other transportation .................... 621 151 131 178 156 198 211 263 346 1,113 

Health care ..................................................... 3,336 1,397 658 1,449 1,439 1,979 2,327 2,601 3,310 4,673 

Health insurance .......................................... 1,774 822 406 618 700 957 1,257 1,423 1,746 2,508 

Medical services .......................................... 911 266 94 277 364 558 596 639 1,036 1,278 

Drugs ........................................................... 506 263 141 530 343 371 371 438 434 657 

Medical supplies .......................................... 145 246 216 224 33 93 103 101 95 230 

Entertainment ................................................. 3,130 1,581 927 916 1,101 1,428 1,565 2,060 2,775 4,827 

Fees and admissions ................................... 793 419 93 57 94 133 230 340 436 1,477 

Audio and visual equipment and services .... 1,073 583 494 545 622 662 880 928 989 1,427 

Pets, toys, hobbies, and playground

equipment .................................................. 740 377 277 272 311 496 383 591 686 1,064 

Other entertainment supplies, equipment,

and services ............................................... 523 2202 263 242 273 137 71 202 663 858 

Personal care products and services ............. 691 252 234 224 284 319 387 475 567 1,070 

Reading .......................................................... 108 90 23 25 40 39 55 64 79 175 

Education ....................................................... 1,987 953 502 117 162 225 485 572 824 3,874 

Tobacco products and smoking supplies ....... 457 480 450 547 578 535 530 521 515 372 

Miscellaneous ................................................ 942 1,443 245 396 411 366 640 639 827 1,345 

Cash contributions ......................................... 1,734 951 269 617 416 683 929 1,148 1,218 2,804 

Personal insurance and pensions .................. 7,561 740 359 483 1,029 1,745 2,751 4,019 5,533 13,450 

Life and other personal insurance ................ 421 209 264 83 126 109 186 246 297 712 

Pensions and Social Security ...................... 7,140 530 295 401 903 1,637 2,565 3,772 5,235 12,738 

Sources of income and personal taxes: 

Money income before taxes ........................... 79,056 -16,012 8,014 12,586 17,691 24,950 34,728 44,814 59,678 136,781 

Wages and salaries ..................................... 70,236 3,180 3,229 4,228 9,861 17,209 28,619 37,993 53,156 123,634 

Self-employment income ............................. 3,428 -20,921 2-268 2272 708 1,300 990 1,916 2,450 7,518 

Social Security, private and government

retirement ................................................... 2,448 237 1,459 4,145 4,108 3,469 2,528 2,580 1,913 2,284 

Interest, dividends, rental income, other

property income ......................................... 1,019 86 2106 2142 276 198 183 343 522 1,970 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 845 2192 2396 989 887 1,088 1,146 1,211 835 724 

Public assistance, supplemental security

income, food stamps .................................. 560 755 2,446 2,260 1,594 1,215 614 464 277 108 

Regular contributions for support ................. 330 2196 2337 2177 2184 315 524 197 364 346 

Other income ............................................... 191 2262 2308 374 2275 154 124 2109 162 198 

Personal taxes (missing values not imputed) 3,304 -305 -195 -307 -219 -313 214 687 1,432 7,030 

Federal income taxes ................................... 2,358 -414 -236 -310 -254 -393 8 322 955 5,176 

State and local income taxes ....................... 789 34 25 -16 -17 39 142 277 387 1,578 

Other taxes .................................................. 157 275 216 19 53 41 64 88 91 276 

Income after taxes ......................................... 75,753 -15,707 8,209 12,893 17,910 25,263 34,514 44,127 58,246 129,751 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2010-2011 — Continued

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Addenda:

Net change in total assets and liabilities ........ - $6,290 $1,933 $3,560 $2,225 $4,719 $231 - $5,174 $1,432 - $7,441 - $12,155 

Net change in total assets ............................ 2,824 33 3,386 1,645 5,466 654 760 1,640 3,194 3,817 

Net change in total liabilities ........................ 9,114 -1,900 -174 -580 747 423 5,934 208 10,635 15,971 

Other financial information:

Other money receipts ................................... 949 29,475 21,870 294 284 616 301 317 344 1,000 

Mortgage principal paid on owned property -2,921 -1,103 -1,133 -432 -815 -769 -1,255 -1,908 -2,558 -4,728 

Estimated market value of owned home ...... 188,317 79,772 64,822 37,155 44,024 72,705 96,906 109,746 154,556 302,995 

Estimated monthly rental value of owned

home .......................................................... 1,007 457 436 273 321 459 606 700 891 1,518 

Gifts of goods and services ............................ 1,590 1,257 181 217 402 313 614 687 931 2,838 

Food ............................................................. 148 288 26 222 218 30 31 65 104 267 

Alcoholic beverages ..................................... 19 22 3 ( ) 210 3 ( ) 26 3 ( ) 210 7 37 

Housing ........................................................ 244 2235 254 234 113 71 60 110 166 418 

Housekeeping supplies .............................. 29 25 211 213 256 25 29 10 22 47 

Household textiles ...................................... 11 4 ( ) 21 4 ( ) 3 ( ) 23 22 26 25 21 

Appliances and miscellaneous

housewares .............................................. 21 22 22 25 212 211 23 25 35 30 

Major appliances ...................................... 7 21 22 4 ( ) 29 24 21 3 ( ) 10 10 

Small appliances and miscellaneous

housewares ............................................ 14 21 4 ( ) 25 23 26 23 25 25 21 

Miscellaneous household equipment ......... 44 26 218 25 26 10 18 28 26 78 

Other housing ............................................ 139 2221 223 212 239 43 28 61 78 242 

Apparel and services ................................... 212 242 61 60 104 93 309 187 188 280 

Males, 2 and over ...................................... 47 218 221 27 215 13 63 36 33 70 

Females, 2 and over .................................. 83 210 222 210 243 30 168 82 65 104 

Children under 2 ........................................ 36 213 216 229 27 28 37 20 40 47 

Other apparel products and services ......... 46 4 ( ) 22 214 239 222 240 249 50 59 

Jewelry and watches ................................ 17 4 ( ) 22 21 22 22 24 228 219 24 

All other apparel products and services ... 29 4 ( ) 4 ( ) 213 237 220 236 221 230 35 

Transportation .............................................. 133 5 21 33 26 14 71 75 121 224 

Health care ................................................... 30 29 23 23 213 22 210 27 34 52 

Entertainment ............................................... 109 216 242 210 217 237 34 78 62 194 

Toys, games, arts and crafts, and tricycles 28 4 ( ) 238 25 26 216 28 25 213 52 

Other entertainment ................................... 81 216 24 25 211 221 26 74 49 142 

Personal care products and services ........... 16 211 4 ( ) 210 22 22 5 24 9 30 

Reading ........................................................ 2 4 ( ) 3 ( ) 3 ( ) 21 21 3 ( ) 21 23 3 

Education ..................................................... 580 2764 23 216 210 27 241 83 185 1,177 

All other gifts ................................................ 97 284 211 19 98 31 52 66 53 157 

1 Value is less than or equal to 0.05. 2 Data are likely to have large sampling errors. 3 Value is less than or equal to 0.5. 4 No data reported.

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2012