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

and characteristics, Consumer Expenditure Survey, 2008-2009

Item

Total

four

persons

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) ....... 16,494 683 3,890 6,060 4,329 1,068 465 

Consumer unit characteristics: 

Income before taxes ..................................... $86,415 $45,626 $64,333 $92,046 $104,131 $93,927 $75,465 

Income after taxes ........................................ 84,247 45,554 64,174 89,569 100,209 91,326 74,784 

Age of reference person ................................ 41.2 21.6 30.3 39.6 48.8 58.6 72.5 

Average number in consumer unit:

Persons ........................................................ 4.0 4.0 4.0 4.0 4.0 4.0 4.0 

Children under 18 ........................................ 1.6 1.3 2.0 1.8 1.3 .7 .6 

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

Earners ........................................................ 1.9 2.0 1.6 1.8 2.2 2.3 1.6 

Vehicles ....................................................... 2.5 1.8 2.0 2.5 2.9 2.9 2.4 

Percent distribution:

Sex of reference person:

Male ............................................................. 46 44 36 47 51 60 48 

Female ......................................................... 54 56 64 53 49 40 52 

Housing tenure:

Homeowner .................................................. 75 31 61 79 84 87 80 

With mortgage ............................................ 62 22 52 70 67 59 44 

Without mortgage ....................................... 13 10 8 9 17 28 35 

Renter .......................................................... 25 69 39 21 16 13 20 

Race of reference person:

Black or African-American ........................... 12 21 12 12 9 16 20 

White, Asian, and all other races ................. 88 79 88 88 91 84 80 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 17 37 24 14 14 18 14 

Not Hispanic or Latino .................................. 83 63 76 86 86 82 86 

Education of reference person:

Elementary (1-8) .......................................... 4 2 4 3 4 7 15 

High school (9-12) ........................................ 33 56 36 30 31 35 46 

College ......................................................... 63 42 61 67 65 58 39 

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

At least one vehicle owned or leased ............ 95 78 94 96 96 95 94 

Average annual expenditures .......................... $65,722 $44,198 $53,768 $67,185 $78,083 $69,216 $55,411 

Food ............................................................... 8,943 6,216 7,342 9,260 10,441 9,259 7,641 

Food at home ............................................... 5,231 4,176 4,579 5,252 6,009 5,205 4,833 

Cereals and bakery products ..................... 735 514 613 775 840 704 669 

Cereals and cereal products .................... 254 210 230 267 278 212 233 

Bakery products ....................................... 481 304 383 508 562 492 436 

Meats, poultry, fish, and eggs .................... 1,162 1,032 948 1,124 1,383 1,271 1,285 

Beef .......................................................... 315 319 249 292 392 355 349 

Pork .......................................................... 233 202 195 230 258 292 268 

Other meats ............................................. 156 88 134 159 190 143 110 

Poultry ...................................................... 224 222 200 215 256 240 228 

Fish and seafood ..................................... 173 146 118 167 221 182 264 

Eggs ......................................................... 61 55 53 62 67 60 66 

Dairy products ............................................ 594 407 526 620 670 559 483 

Fresh milk and cream .............................. 229 170 215 243 241 211 178 

Other dairy products ................................ 365 237 311 377 430 348 305 

Fruits and vegetables ................................. 871 692 769 870 998 856 877 

Fresh fruits ............................................... 291 203 252 305 337 242 275 

Fresh vegetables ..................................... 269 228 218 271 316 284 242 

Processed fruits ....................................... 163 136 158 154 187 154 171 

Processed vegetables .............................. 148 125 140 140 158 175 189 

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

and characteristics, Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other food at home .................................... $1,869 $1,530 $1,722 $1,862 $2,118 $1,814 $1,519 

Sugar and other sweets ........................... 185 119 158 188 213 205 178 

Fats and oils ............................................. 138 106 119 138 150 171 146 

Miscellaneous foods ................................ 1,017 885 999 1,004 1,121 919 823 

Nonalcoholic beverages ........................... 470 398 409 464 561 460 347 

Food prepared by consumer unit on

out-of-town trips ..................................... 58 424 37 68 73 60 423 

Food away from home ................................. 3,712 2,041 2,763 4,008 4,432 4,054 2,808 

Alcoholic beverages ....................................... 458 339 328 500 524 557 308 

Housing .......................................................... 22,228 15,242 19,759 23,818 24,322 19,964 18,141 

Shelter .......................................................... 13,088 9,322 11,528 14,397 14,156 10,969 9,531 

Owned dwellings ........................................ 9,783 2,682 7,431 11,493 11,185 8,828 6,744 

Mortgage interest and charges ................ 6,294 1,701 5,340 7,676 6,605 5,028 3,026 

Property taxes .......................................... 2,369 763 1,392 2,662 3,025 2,787 2,006 

Maintenance, repairs, insurance, other

expenses ................................................ 1,120 218 698 1,155 1,555 1,013 1,712 

Rented dwellings ........................................ 2,554 6,207 3,754 2,106 1,888 1,197 2,304 

Other lodging ............................................. 751 4433 343 797 1,083 945 483 

Utilities, fuels, and public services ............... 4,646 3,370 3,841 4,774 5,249 5,156 4,821 

Natural gas ................................................. 641 365 483 656 790 743 562 

Electricity .................................................... 1,736 1,389 1,498 1,786 1,859 1,967 1,907 

Fuel oil and other fuels ............................... 176 410 95 180 235 228 4363 

Telephone services .................................... 1,498 1,252 1,264 1,532 1,700 1,542 1,383 

Water and other public services ................. 596 354 501 621 665 675 607 

Household operations .................................. 1,739 771 2,033 1,930 1,586 1,056 1,190 

Personal services ....................................... 1,029 487 1,574 1,194 650 4293 4347 

Other household expenses ........................ 710 284 460 736 936 763 843 

Housekeeping supplies ................................ 854 603 694 828 1,072 908 767 

Laundry and cleaning supplies .................. 202 178 188 193 229 239 120 

Other household products .......................... 481 276 354 466 647 511 437 

Postage and stationery .............................. 171 149 152 169 196 158 209 

Household furnishings and equipment ......... 1,901 1,177 1,662 1,890 2,261 1,876 1,832 

Household textiles ...................................... 147 56 134 130 219 92 98 

Furniture ..................................................... 445 200 555 404 466 379 354 

Floor coverings .......................................... 42 417 28 38 67 432 447 

Major appliances ........................................ 255 106 209 280 285 294 140 

Small appliances, miscellaneous

housewares .............................................. 119 48 92 107 133 268 119 

Miscellaneous household equipment ......... 893 750 643 931 1,090 811 1,073 

Apparel and services ..................................... 2,535 2,059 2,289 2,669 2,744 2,408 1,906 

Men and boys .............................................. 590 401 485 659 654 437 601 

Men, 16 and over ....................................... 385 339 228 419 471 357 539 

Boys, 2 to 15 .............................................. 205 61 257 239 183 80 62 

Women and girls .......................................... 973 626 773 1,043 1,115 1,059 710 

Women, 16 and over .................................. 710 480 532 704 876 907 570 

Girls, 2 to 15 ............................................... 264 146 241 339 239 152 140 

Children under 2 .......................................... 180 479 350 142 64 112 464 

Footwear ...................................................... 472 4259 462 486 512 467 4358 

Other apparel products and services ........... 320 295 218 339 400 333 173 

Transportation ................................................ 11,110 8,274 9,549 10,366 13,656 13,037 9,934 

Vehicle purchases (net outlay) ..................... 3,771 3,442 3,626 3,134 4,584 4,633 44,217 

Cars and trucks, new ................................. 1,623 4688 1,031 1,288 2,497 2,157 42,968 

Cars and trucks, used ................................ 2,029 2,347 2,457 1,800 2,007 2,235 4716 

Other vehicles ............................................ 118 4408 4139 445 481 4242 4534 

Gasoline and motor oil ................................. 3,283 2,719 2,899 3,387 3,565 3,589 2,658 

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

and characteristics, Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other vehicle expenses ............................... $3,489 $1,711 $2,705 $3,220 $4,791 $4,217 $2,425 

Vehicle finance charges ............................. 465 331 525 470 444 477 248 

Maintenance and repairs ........................... 906 560 649 875 1,157 1,205 924 

Vehicle insurance ....................................... 1,527 4544 1,038 1,244 2,460 42,085 4826 

Vehicle rental, leases, licenses, and other

charges .................................................... 592 275 493 631 730 450 427 

Public transportation .................................... 566 402 319 625 715 597 635 

Healthcare ...................................................... 3,170 1,004 2,234 3,071 3,883 4,841 4,973 

Health insurance .......................................... 1,736 529 1,277 1,744 2,131 2,050 2,852 

Medical services .......................................... 890 199 646 835 1,062 1,850 834 

Drugs ........................................................... 427 216 255 379 521 777 1,133 

Medical supplies .......................................... 117 60 56 113 169 163 153 

Entertainment ................................................. 3,745 1,746 3,045 4,069 4,471 3,398 2,458 

Fees and admissions ................................... 1,002 319 607 1,205 1,342 614 407 

Audio and visual equipment and services .... 1,258 847 1,150 1,308 1,368 1,290 1,022 

Pets, toys, hobbies, and playground

equipment .................................................. 869 452 693 949 1,012 790 801 

Other entertainment supplies, equipment,

and services ............................................... 617 128 595 607 749 704 228 

Personal care products and services ............. 791 617 602 843 918 831 652 

Reading .......................................................... 108 46 59 112 146 129 149 

Education ....................................................... 1,766 3,229 504 1,253 3,456 2,073 431 

Tobacco products and smoking supplies ....... 397 371 389 356 441 482 416 

Miscellaneous ................................................ 1,031 335 997 923 1,181 1,214 1,958 

Cash contributions ......................................... 1,660 661 1,042 1,524 2,277 2,644 2,067 

Personal insurance and pensions .................. 7,781 4,059 5,629 8,419 9,625 8,380 4,377 

Life and other personal insurance ................ 376 4132 199 371 540 544 352 

Pensions and Social Security ...................... 7,405 3,927 5,430 8,048 9,085 7,836 4,025 

Sources of income and personal taxes: 

Money income before taxes ........................... 86,415 45,626 64,333 92,046 104,131 93,927 75,465 

Wages and salaries ..................................... 77,476 42,616 59,014 82,488 95,949 78,888 42,600 

Self-employment income ............................. 3,780 4758 3,142 4,819 3,480 3,974 42,377 

Social Security, private and government

retirement ................................................... 2,106 4315 420 581 2,018 8,005 25,972 

Interest, dividends, rental income, other

property income ......................................... 1,488 4-2 249 2,769 957 1,272 2,782 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 355 469 319 289 504 516 4189 

Public assistance, supplemental security

income, food stamps .................................. 483 1,121 573 465 257 658 741 

Regular contributions for support ................. 578 552 474 566 761 4299 4603 

Other income ............................................... 147 4198 142 69 205 4315 4201 

Personal taxes ............................................... 2,167 72 159 2,476 3,923 2,601 681 

Federal income taxes ................................... 1,800 232 156 2,062 3,152 2,305 687 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -573 -580 -521 -655 -535 -516 4-404 

State and local income taxes ....................... 740 388 424 852 1,003 637 229 

Other taxes .................................................. 200 432 101 217 303 175 168 

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

and characteristics, Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Income after taxes ......................................... 84,247 45,554 64,174 89,569 100,209 91,326 74,784 

Addenda:

Net change in total assets and liabilities ........ - $6,488 - $4,145 - $16,749 - $5,917 - $5,656 $1,138 $43,229 

Net change in total assets ............................ 12,971 2,775 12,982 13,223 13,560 -7 48,884 

Net change in total liabilities ........................ 19,459 6,919 29,731 19,141 19,217 -1,145 5,655 

Other financial information:

Other money receipts ................................... 463 4306 313 153 753 41,746 4356 

Mortgage principal paid on owned property -3,490 -832 -2,021 -3,927 -4,876 -3,064 -2,067 

Estimated market value of owned home ...... 204,367 61,179 123,443 223,257 258,042 256,766 225,400 

Estimated monthly rental value of owned

home .......................................................... 1,096 377 747 1,202 1,320 1,311 1,118 

Gifts of goods and services ............................ 992 611 635 749 1,579 1,184 1,835 

Food ............................................................. 83 429 35 78 138 105 47 

Alcoholic beverages ..................................... 11 3 ( ) 45 12 6 50 2 ( )

Housing ........................................................ 185 164 131 155 276 269 421 

Housekeeping supplies .............................. 31 435 37 26 33 32 411 

Household textiles ...................................... 9 45 412 44 15 417 3 ( )

Appliances and miscellaneous

housewares .............................................. 22 43 418 17 37 423 45 

Major appliances ...................................... 7 3 ( ) 43 7 14 43 3 ( )

Small appliances and miscellaneous

housewares ............................................ 15 43 415 410 23 420 45 

Miscellaneous household equipment ......... 35 415 19 36 51 443 3 ( )

Other housing ............................................ 89 4107 45 73 141 4154 44 

Apparel and services ................................... 252 145 222 237 320 282 180 

Males, 2 and over ...................................... 54 45 51 82 33 41 429 

Females, 2 and over .................................. 88 422 41 55 194 65 489 

Children under 2 ........................................ 70 484 99 61 51 89 437 

Other apparel products and services ......... 40 434 430 39 42 487 424 

Jewelry and watches ................................ 6 419 41 4 49 43 49 

All other apparel products and services ... 35 415 429 35 32 483 415 

Transportation .............................................. 71 176 57 40 113 36 132 

Healthcare .................................................... 8 3 ( ) 43 11 414 42 42 

Entertainment ............................................... 79 414 110 67 89 477 431 

Toys, games, arts and crafts, and tricycles 36 46 447 39 33 415 417 

Other entertainment ................................... 44 48 63 27 56 61 414 

Personal care products and services ........... 13 410 13 14 14 47 3 ( )

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

Education ..................................................... 200 3 ( ) 443 87 526 4177 4303 

All other gifts ................................................ 89 471 16 49 83 178 41,121 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, October, 2010