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

characteristics, Consumer Expenditure Survey, 2007-2008

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) ....... 25,430 567 700 779 914 2,138 2,423 2,415 4,140 11,353 

Consumer unit characteristics: 

Income before taxes ..................................... $81,207 - $2,708 $7,988 $12,645 $17,199 $25,042 $34,661 $44,713 $59,977 $135,790 

Income after taxes ........................................ 77,811 -2,759 7,985 12,961 17,404 25,047 34,325 44,046 58,293 128,977 

Age of reference person ................................ 49.4 49.4 49.6 49.7 49.3 49.3 49.4 49.3 49.6 49.4 

Average number in consumer unit:

Persons ........................................................ 2.7 1.8 1.7 2.0 2.0 2.2 2.4 2.4 2.7 3.1 

Children under 18 ........................................ .6 .4 .3 .5 .4 .4 .5 .5 .6 .7 

Persons 65 and older ................................... 1 ( ) 2 ( ) 1 ( ) 1 ( ) 1 ( ) .1 1 ( ) 1 ( ) 1 ( ) 1 ( )

Earners ........................................................ 1.7 .5 .4 .7 .9 1.2 1.3 1.5 1.8 2.2 

Vehicles ....................................................... 2.3 .9 .7 1.0 1.4 1.5 1.6 1.9 2.4 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 47 33 33 39 39 43 47 43 55 

Female ......................................................... 52 53 67 67 61 61 57 53 57 45 

Housing tenure:

Homeowner .................................................. 75 40 32 37 51 50 61 71 79 92 

With mortgage ............................................ 58 22 16 21 24 31 42 53 59 76 

Without mortgage ....................................... 18 18 16 16 27 19 19 18 20 16 

Renter .......................................................... 25 60 68 63 49 50 39 29 21 8 

Race of reference person:

Black or African-American ........................... 13 30 28 22 20 22 20 15 11 6 

White, Asian, and all other races ................. 87 70 72 78 80 78 80 85 89 94 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 11 8 14 16 19 17 16 14 12 6 

Not Hispanic or Latino .................................. 89 92 86 84 81 83 84 86 88 94 

Education of reference person:

Elementary (1-8) .......................................... 4 10 15 9 9 6 6 6 3 2 

High school (9-12) ........................................ 34 52 49 52 56 51 41 39 37 23 

College ......................................................... 61 37 34 38 33 42 53 55 60 75 

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

At least one vehicle owned or leased ............ 91 58 50 65 79 85 90 93 96 98 

Average annual expenditures .......................... $59,765 $24,786 $20,286 $23,563 $24,688 $29,065 $35,028 $39,530 $49,931 $88,320 

Food ............................................................... 7,441 4,279 3,503 4,158 3,529 4,170 4,688 5,560 6,274 10,458

Food at home ............................................... 4,229 3,025 2,655 2,658 2,536 2,799 2,948 3,447 3,752 5,540 

Cereals and bakery products ..................... 561 452 361 389 331 359 357 438 510 739 

Cereals and cereal products .................... 182 160 134 134 120 122 142 137 166 231 

Bakery products ....................................... 379 291 227 255 211 237 215 302 343 508 

Meats, poultry, fish, and eggs .................... 963 652 616 642 602 672 771 852 843 1,220 

Beef .......................................................... 266 144 174 171 157 180 226 238 212 347 

Pork .......................................................... 180 115 116 160 142 134 147 163 178 211 

Other meats ............................................. 129 110 60 63 73 79 92 113 107 172 

Poultry ...................................................... 184 128 153 116 104 140 160 142 158 234 

Fish and seafood ..................................... 152 115 84 86 81 93 107 147 144 194 

Eggs ......................................................... 52 39 29 45 46 46 39 49 44 62 

Dairy products ............................................ 475 349 282 305 281 318 328 372 405 631 

Fresh milk and cream .............................. 182 132 127 147 113 139 140 154 152 230 

Other dairy products ................................ 293 217 155 158 169 179 188 219 254 401 

Fruits and vegetables ................................. 732 585 500 414 379 500 544 610 641 952 

Fresh fruits ............................................... 247 196 193 141 115 169 192 208 202 325 

Fresh vegetables ..................................... 233 172 152 131 133 160 168 188 199 308 

Processed fruits ....................................... 131 112 86 70 58 77 80 114 128 172 

Processed vegetables .............................. 120 105 70 72 73 94 105 100 113 147 

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, 2007-2008 — 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 .................................... $1,498 $987 $897 $908 $943 $950 $948 $1,174 $1,352 $1,997 

Sugar and other sweets ........................... 149 104 85 95 70 98 83 110 146 199 

Fats and oils ............................................. 115 86 86 87 85 78 81 95 115 142 

Miscellaneous foods ................................ 763 533 433 454 454 464 454 622 684 1,026 

Nonalcoholic beverages ........................... 418 251 286 261 309 292 307 331 366 542 

Food prepared by consumer unit on

out-of-town trips ..................................... 54 412 47 411 424 18 23 16 42 89 

Food away from home ................................. 3,212 1,254 847 1,500 993 1,372 1,740 2,114 2,522 4,917 

Alcoholic beverages ....................................... 502 304 239 169 356 242 271 425 393 722 

Housing .......................................................... 19,379 9,922 8,630 9,664 10,349 11,166 12,887 14,279 16,199 27,099 

Shelter .......................................................... 11,623 6,058 4,789 5,318 6,311 6,722 7,817 8,541 9,435 16,372 

Owned dwellings ........................................ 8,616 3,221 1,940 1,888 2,887 3,047 4,572 5,728 6,921 13,365 

Mortgage interest and charges ................ 5,017 1,612 1,038 1,105 1,404 1,814 2,909 3,455 4,090 7,716 

Property taxes .......................................... 2,182 935 461 576 754 752 1,116 1,409 1,740 3,398 

Maintenance, repairs, insurance, other

expenses ................................................ 1,417 674 441 207 730 481 547 864 1,090 2,251 

Rented dwellings ........................................ 2,046 2,730 2,826 3,343 3,331 3,548 3,057 2,552 2,058 1,160 

Other lodging ............................................. 961 4107 423 487 493 127 188 260 456 1,847 

Utilities, fuels, and public services ............... 4,151 2,509 2,379 2,797 2,824 2,967 3,302 3,580 4,022 5,114 

Natural gas ................................................. 581 324 316 309 302 363 461 529 516 753 

Electricity .................................................... 1,521 1,032 1,020 1,186 1,199 1,181 1,283 1,328 1,476 1,798 

Fuel oil and other fuels ............................... 203 484 482 4107 468 95 135 151 195 282 

Telephone services .................................... 1,346 746 692 855 921 993 1,029 1,137 1,363 1,656 

Water and other public services ................. 500 323 270 341 334 336 394 436 471 625 

Household operations .................................. 916 222 216 367 386 354 391 408 636 1,502 

Personal services ....................................... 222 48 412 466 472 4117 477 457 168 374 

Other household expenses ........................ 694 214 204 301 315 237 314 351 468 1,128 

Housekeeping supplies ................................ 745 460 347 520 375 426 553 482 568 1,058 

Laundry and cleaning supplies .................. 164 100 98 166 81 123 125 129 150 205 

Other household products .......................... 402 200 196 275 157 198 191 253 284 616 

Postage and stationery .............................. 179 161 52 79 137 105 238 99 135 236 

Household furnishings and equipment ......... 1,945 673 899 662 452 696 824 1,269 1,538 3,053 

Household textiles ...................................... 156 4152 472 44 39 61 49 108 141 236 

Furniture ..................................................... 438 198 251 77 168 147 146 173 329 722 

Floor coverings .......................................... 52 42 464 42 431 44 17 13 29 92 

Major appliances ........................................ 256 4106 233 76 98 106 159 124 183 394 

Small appliances, miscellaneous

housewares .............................................. 123 33 39 26 35 28 76 69 116 188 

Miscellaneous household equipment ......... 920 184 239 436 82 350 377 782 739 1,420 

Apparel and services ..................................... 2,209 1,463 1,339 1,389 752 976 1,184 1,362 1,748 3,288 

Men and boys .............................................. 501 197 633 368 71 237 271 310 382 738 

Men, 16 and over ....................................... 414 453 574 335 457 174 209 261 298 625 

Boys, 2 to 15 .............................................. 87 143 58 34 14 64 62 49 84 114 

Women and girls .......................................... 965 491 279 490 465 348 499 605 778 1,472 

Women, 16 and over .................................. 822 402 249 408 359 294 418 515 660 1,260 

Girls, 2 to 15 ............................................... 143 489 429 82 106 54 80 90 118 211 

Children under 2 .......................................... 55 4169 451 446 424 37 40 38 50 65 

Footwear ...................................................... 397 4460 229 374 487 234 250 232 344 549 

Other apparel products and services ........... 292 147 147 111 105 119 125 177 193 464 

Transportation ................................................ 10,320 3,781 2,619 3,132 3,939 5,038 6,560 6,529 9,773 14,939 

Vehicle purchases (net outlay) ..................... 3,288 4194 4948 4686 4980 1,331 1,837 1,706 3,304 4,959 

Cars and trucks, new ................................. 1,616 2 ( ) 4508 4311 4153 4423 667 802 1,233 2,712 

Cars and trucks, used ................................ 1,520 4194 4343 4374 811 846 1,087 905 2,011 1,966 

Other vehicles ............................................ 152 2 ( ) 498 2 ( ) 416 462 482 2 ( ) 460 281 

Gasoline and motor oil ................................. 3,074 1,130 934 1,247 1,563 1,950 2,332 2,499 3,051 4,051 

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, 2007-2008 — 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 ............................... $3,314 $2,285 $545 $1,069 $1,214 $1,537 $2,094 $2,104 $2,997 $4,836 

Vehicle finance charges ............................. 351 457 469 52 101 149 184 282 393 496 

Maintenance and repairs ........................... 966 345 248 267 463 485 543 575 851 1,436 

Vehicle insurance ....................................... 1,448 41,675 4148 4574 4528 4683 1,147 956 1,373 1,999 

Vehicle rental, leases, licenses, and other

charges .................................................... 550 207 81 177 121 221 219 291 379 904 

Public transportation .................................... 644 173 191 130 183 220 298 220 422 1,093 

Healthcare ...................................................... 2,861 1,283 1,168 789 1,325 1,685 1,896 2,239 2,814 3,890 

Health insurance .......................................... 1,455 708 392 688 620 801 1,038 1,139 1,479 1,949 

Medical services .......................................... 805 247 208 413 276 505 473 544 754 1,141 

Drugs ........................................................... 464 218 273 -376 400 319 310 477 478 606 

Medical supplies .......................................... 137 4110 4295 64 429 60 75 79 104 194 

Entertainment ................................................. 3,231 1,458 1,098 1,109 1,002 1,448 1,454 1,693 2,553 5,078 

Fees and admissions ................................... 814 238 35 141 77 149 234 274 446 1,497 

Audio and visual equipment and services .... 1,150 687 574 499 619 680 731 851 1,053 1,575 

Pets, toys, hobbies, and playground

equipment .................................................. 749 468 210 313 224 401 358 460 607 1,136 

Other entertainment supplies, equipment,

and services ............................................... 518 464 4278 156 482 219 132 108 448 869 

Personal care products and services ............. 711 289 236 246 247 349 379 513 578 1,065 

Reading .......................................................... 131 65 32 33 42 45 51 70 107 208 

Education ....................................................... 1,851 4102 4268 305 209 346 368 844 951 3,417 

Tobacco products and smoking supplies ....... 413 498 428 573 427 474 403 383 485 366 

Miscellaneous ................................................ 982 181 290 817 771 369 1,047 593 780 1,355 

Cash contributions ......................................... 2,062 536 178 392 657 755 873 1,099 1,378 3,437 

Personal insurance and pensions .................. 7,672 624 258 787 1,082 2,000 2,968 3,940 5,896 12,998 

Life and other personal insurance ................ 398 462 63 150 89 127 148 218 265 669 

Pensions and Social Security ...................... 7,274 562 195 637 993 1,874 2,820 3,722 5,631 12,330 

Sources of income and personal taxes: 

Money income before taxes ........................... 81,207 -2,708 7,988 12,645 17,199 25,042 34,661 44,713 59,977 135,790 

Wages and salaries ..................................... 71,353 3,666 2,140 5,036 10,820 19,610 28,924 39,125 53,997 120,413 

Self-employment income ............................. 4,592 -7,654 4115 4503 4754 1,008 1,628 1,640 2,438 8,790 

Social Security, private and government

retirement ................................................... 2,388 4292 2,355 3,916 3,667 2,811 2,105 2,517 2,004 2,381 

Interest, dividends, rental income, other

property income ......................................... 1,382 83 476 125 163 236 219 229 528 2,734 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 280 418 4245 4600 349 409 392 208 298 228 

Public assistance, supplemental security

income, food stamps .................................. 379 483 2,515 1,848 1,010 559 633 231 167 112 

Regular contributions for support ................. 665 4130 4258 4416 4246 277 626 661 402 946 

Other income ............................................... 167 4276 4283 4201 4189 4132 135 103 143 187 

Personal taxes ............................................... 3,395 52 3 -316 -205 -6 336 668 1,685 6,813 

Federal income taxes ................................... 2,738 129 -89 -251 -145 106 389 634 1,385 5,418 

2008 Tax stimulus (new UCC Q20082) ....... -412 4-196 4-56 4-159 4-209 -310 -322 -430 -439 -503 

State and local income taxes ....................... 800 25 439 8 64 134 146 280 500 1,485 

Other taxes .................................................. 269 94 4109 87 85 64 124 184 239 413 

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, 2007-2008 — 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

Income after taxes ......................................... 77,811 -2,759 7,985 12,961 17,404 25,047 34,325 44,046 58,293 128,977 

Addenda:

Net change in total assets and liabilities ........ - $5,014 - $582 $1,757 - $5,086 $2,155 - $2,945 - $2,451 - $8,583 - $7,986 - $5,319 

Net change in total assets ............................ 7,709 4,928 3,061 237 782 1,902 4,314 1,480 1,764 14,515 

Net change in total liabilities ........................ 12,723 5,510 1,304 5,323 -1,373 4,847 6,765 10,064 9,750 19,834 

Other financial information:

Other money receipts ................................... 788 4457 4415 4120 4304 330 141 123 391 1,423 

Mortgage principal paid on owned property -3,536 -810 -379 -512 -558 -801 -1,492 -1,680 -2,645 -5,986 

Estimated market value of owned home ...... 212,209 80,216 55,549 68,303 74,345 72,515 113,799 123,906 180,913 326,952 

Estimated monthly rental value of owned

home .......................................................... 1,047 452 276 380 436 441 638 726 914 1,538 

Gifts of goods and services ............................ 1,943 721 872 494 267 570 703 1,058 1,227 3,285 

Food ............................................................. 148 420 71 411 48 29 42 48 84 270 

Alcoholic beverages ..................................... 14 43 411 2 ( ) 2 ( ) 43 45 42 7 27 

Housing ........................................................ 390 81 460 192 90 155 211 129 211 669 

Housekeeping supplies .............................. 40 45 44 439 41 49 15 9 37 66 

Household textiles ...................................... 23 2 ( ) 2 ( ) 47 45 410 47 43 5 45 

Appliances and miscellaneous

housewares .............................................. 30 416 48 47 47 48 46 418 15 52 

Major appliances ...................................... 9 416 2 ( ) 2 ( ) 2 ( ) 43 42 42 42 17 

Small appliances and miscellaneous

housewares ............................................ 21 2 ( ) 48 47 47 46 44 416 14 36 

Miscellaneous household equipment ......... 107 48 415 478 42 445 428 31 48 196 

Other housing ............................................ 190 452 433 461 476 82 155 68 106 309 

Apparel and services ................................... 297 468 415 218 54 147 189 248 253 387 

Males, 2 and over ...................................... 67 451 4246 429 48 26 59 19 47 94 

Females, 2 and over .................................. 129 175 42 469 421 56 71 136 111 179 

Children under 2 ........................................ 45 4141 451 442 21 28 30 29 40 53 

Other apparel products and services ......... 56 4100 4116 477 44 436 428 464 54 61 

Jewelry and watches ................................ 19 422 416 42 42 410 411 438 25 19 

All other apparel products and services ... 37 478 4101 475 42 426 418 426 29 42 

Transportation .............................................. 125 42 248 13 6 35 38 92 129 183 

Healthcare .................................................... 31 441 43 41 412 47 423 415 18 50 

Entertainment ............................................... 117 445 413 48 416 445 43 65 68 202 

Toys, games, arts and crafts, and tricycles 36 2 ( ) 47 43 412 438 410 425 38 51 

Other entertainment ................................... 81 445 46 45 44 47 33 40 29 151 

Personal care products and services ........... 19 45 47 43 42 14 8 5 12 33 

Reading ........................................................ 1 2 ( ) 2 ( ) 2 ( ) 2 ( ) 3 ( ) 3 ( ) 41 1 1 

Education ..................................................... 701 440 422 437 451 4122 107 413 348 1,301 

All other gifts ................................................ 99 414 421 413 27 13 38 41 97 162 

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