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

and characteristics, Consumer Expenditure Survey, 2006-2007

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) ....... 16,490 629 4,111 6,144 4,086 1,045 475 

Consumer unit characteristics: 

Income before taxes ..................................... $84,950 $49,155 $63,351 $88,142 $107,714 $89,539 $72,076 

Income after taxes ........................................ 82,502 48,749 62,752 85,099 103,733 87,095 71,823 

Age of reference person ................................ 40.9 22.0 30.3 39.5 48.5 58.2 72.0 

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 1.5 2.0 1.9 1.3 .8 .7 

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

Earners ........................................................ 2.0 2.0 1.7 1.9 2.3 2.5 1.7 

Vehicles ....................................................... 2.5 1.8 2.1 2.5 3.0 2.8 2.6 

Percent distribution:

Sex of reference person:

Male ............................................................. 45 43 41 42 51 58 50 

Female ......................................................... 55 57 59 58 49 42 50 

Housing tenure:

Homeowner .................................................. 76 41 62 80 87 85 86 

With mortgage ............................................ 65 27 55 72 73 60 46 

Without mortgage ....................................... 11 14 7 8 14 25 39 

Renter .......................................................... 24 59 38 20 13 15 14 

Race of reference person:

Black or African-American ........................... 12 14 13 10 11 16 10 

White, Asian, and all other races ................. 88 86 87 90 89 84 90 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 17 30 21 15 13 17 8 

Not Hispanic or Latino .................................. 83 70 79 85 87 83 92 

Education of reference person:

Elementary (1-8) .......................................... 4 6 3 3 3 4 15 

High school (9-12) ........................................ 34 58 36 30 29 35 53 

College ......................................................... 63 36 60 67 67 60 32 

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

At least one vehicle owned or leased ............ 95 87 93 96 96 94 92 

Average annual expenditures .......................... $65,465 $42,914 $53,339 $68,479 $77,368 $68,187 $55,931 

Food ............................................................... 8,607 6,021 6,865 8,884 10,172 9,778 8,989 

Food at home ............................................... 4,900 3,917 3,913 4,934 5,775 5,496 6,419 

Cereals and bakery products ..................... 654 460 513 674 778 698 846 

Cereals and cereal products .................... 217 170 173 222 253 244 258 

Bakery products ....................................... 437 290 341 452 525 455 588 

Meats, poultry, fish, and eggs .................... 1,133 1,005 890 1,121 1,311 1,317 1,849 

Beef .......................................................... 323 336 262 322 375 283 555 

Pork .......................................................... 220 194 176 209 241 302 444 

Other meats ............................................. 158 201 107 156 196 184 208 

Poultry ...................................................... 220 133 187 216 255 257 365 

Fish and seafood ..................................... 155 89 111 159 184 227 204 

Eggs ......................................................... 56 52 45 60 59 65 73 

Dairy products ............................................ 549 374 460 561 644 594 600 

Fresh milk and cream .............................. 226 192 206 227 245 233 253 

Other dairy products ................................ 324 183 254 334 399 361 347 

Fruits and vegetables ................................. 825 602 667 812 990 1,032 976 

Fresh fruits ............................................... 266 191 205 265 322 366 248 

Fresh vegetables ..................................... 265 183 207 255 338 320 323 

Processed fruits ....................................... 160 102 141 159 181 186 199 

Processed vegetables .............................. 135 125 114 132 148 160 206 

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, 2006-2007 — 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 .................................... $1,739 $1,476 $1,384 $1,766 $2,053 $1,855 $2,148 

Sugar and other sweets ........................... 172 121 122 171 234 171 220 

Fats and oils ............................................. 117 99 92 114 138 142 177 

Miscellaneous foods ................................ 917 824 751 952 1,036 931 1,092 

Nonalcoholic beverages ........................... 478 414 381 460 580 585 638 

Food prepared by consumer unit on

out-of-town trips ..................................... 54 417 38 70 65 26 420 

Food away from home ................................. 3,707 2,104 2,951 3,950 4,397 4,282 2,570 

Alcoholic beverages ....................................... 456 491 319 447 599 590 246 

Housing .......................................................... 21,984 13,659 19,546 24,168 23,237 21,188 17,017 

Shelter .......................................................... 12,636 7,551 11,184 13,795 13,638 12,609 8,362 

Owned dwellings ........................................ 9,755 2,679 7,886 11,060 11,048 10,002 6,741 

Mortgage interest and charges ................ 6,345 1,701 5,723 7,421 6,589 5,630 3,449 

Property taxes .......................................... 2,284 677 1,420 2,528 2,965 2,713 1,923 

Maintenance, repairs, insurance, other

expenses ................................................ 1,126 301 743 1,112 1,494 1,660 1,369 

Rented dwellings ........................................ 2,219 4,751 3,079 2,057 1,515 1,576 1,000 

Other lodging ............................................. 662 4121 220 679 1,075 1,031 621 

Utilities, fuels, and public services ............... 4,414 2,975 3,652 4,544 5,035 4,960 4,705 

Natural gas ................................................. 630 285 498 682 703 703 760 

Electricity .................................................... 1,628 1,222 1,343 1,668 1,853 1,877 1,626 

Fuel oil and other fuels ............................... 151 450 86 166 189 172 4275 

Telephone services .................................... 1,449 1,120 1,269 1,442 1,654 1,589 1,447 

Water and other public services ................. 557 297 456 585 636 618 596 

Household operations .................................. 1,788 989 2,147 2,185 1,252 892 1,199 

Personal services ....................................... 1,124 781 1,664 1,496 395 4147 4509 

Other household expenses ........................ 665 208 483 690 857 745 690 

Housekeeping supplies ................................ 809 591 690 818 973 701 982 

Laundry and cleaning supplies .................. 210 152 195 220 220 181 283 

Other household products .......................... 418 249 354 417 536 334 488 

Postage and stationery .............................. 181 191 141 181 218 187 211 

Household furnishings and equipment ......... 2,337 1,552 1,873 2,825 2,338 2,026 1,769 

Household textiles ...................................... 191 70 123 239 204 214 208 

Furniture ..................................................... 615 722 540 786 500 437 283 

Floor coverings .......................................... 70 411 49 76 108 27 418 

Major appliances ........................................ 310 220 237 293 399 378 367 

Small appliances, miscellaneous

housewares .............................................. 120 99 98 134 130 101 104 

Miscellaneous household equipment ......... 1,031 431 826 1,297 998 869 789 

Apparel and services ..................................... 2,800 2,288 2,361 2,942 3,291 2,771 1,632 

Men and boys .............................................. 659 490 486 632 952 649 446 

Men, 16 and over ....................................... 437 406 244 371 757 491 357 

Boys, 2 to 15 .............................................. 222 85 242 261 194 158 89 

Women and girls .......................................... 1,112 815 802 1,219 1,364 1,229 536 

Women, 16 and over .................................. 794 723 521 805 1,062 1,028 440 

Girls, 2 to 15 ............................................... 318 92 281 413 302 201 496 

Children under 2 .......................................... 178 424 320 147 74 78 429 

Footwear ...................................................... 495 294 483 480 572 499 4494 

Other apparel products and services ........... 356 265 271 464 330 316 127 

Transportation ................................................ 11,812 9,817 10,163 11,529 14,413 12,228 9,687 

Vehicle purchases (net outlay) ..................... 4,681 5,224 4,448 4,283 5,704 4,290 43,176 

Cars and trucks, new ................................. 2,252 42,090 1,919 2,025 3,235 1,692 41,075 

Cars and trucks, used ................................ 2,321 3,059 2,382 2,165 2,351 2,541 2,101 

Other vehicles ............................................ 107 474 147 94 4118 457 3 ( )

Gasoline and motor oil ................................. 3,255 2,497 2,801 3,315 3,678 3,603 2,991 

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, 2006-2007 — 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 ............................... $3,305 $1,896 $2,592 $3,312 $4,251 $3,578 $3,100 

Vehicle finance charges ............................. 462 422 541 447 442 417 286 

Maintenance and repairs ........................... 915 486 636 913 1,212 1,215 710 

Vehicle insurance ....................................... 1,248 4561 858 1,207 1,849 41,157 41,695 

Vehicle rental, leases, licenses, and other

charges .................................................... 680 428 557 745 747 788 409 

Public transportation .................................... 572 200 322 619 781 758 420 

Healthcare ...................................................... 2,986 1,349 2,391 2,842 3,667 3,586 5,027 

Health insurance .......................................... 1,598 799 1,292 1,583 1,876 1,715 2,873 

Medical services .......................................... 853 295 735 805 1,034 1,091 1,160 

Drugs ........................................................... 427 172 301 353 603 653 835 

Medical supplies .......................................... 108 483 63 102 154 128 160 

Entertainment ................................................. 3,695 1,549 2,840 4,250 4,244 3,328 2,975 

Fees and admissions ................................... 1,007 222 560 1,245 1,331 772 588 

Audio and visual equipment and services .... 1,243 740 1,124 1,314 1,360 1,186 1,153 

Pets, toys, hobbies, and playground

equipment .................................................. 813 237 599 919 967 718 1,117 

Other entertainment supplies, equipment,

and services ............................................... 633 349 558 773 586 652 117 

Personal care products and services ............. 753 470 540 840 890 704 828 

Reading .......................................................... 129 50 71 143 176 139 138 

Education ....................................................... 1,468 632 485 1,164 2,902 2,299 916 

Tobacco products and smoking supplies ....... 341 438 314 348 338 357 349 

Miscellaneous ................................................ 928 1,018 660 909 1,140 1,069 1,265 

Cash contributions ......................................... 1,772 943 1,204 1,666 2,531 1,918 2,298 

Personal insurance and pensions .................. 7,735 4,188 5,580 8,347 9,769 8,231 4,565 

Life and other personal insurance ................ 439 102 238 435 651 610 481 

Pensions and Social Security ...................... 7,296 4,086 5,342 7,913 9,118 7,620 4,084 

Sources of income and personal taxes: 

Money income before taxes ........................... 84,950 49,155 63,351 88,142 107,714 89,539 72,076 

Wages and salaries ..................................... 76,163 45,764 57,631 81,150 95,446 78,352 41,588 

Self-employment income ............................. 4,773 41,906 3,517 4,467 6,803 4,856 5,770 

Social Security, private and government

retirement ................................................... 1,571 490 389 563 1,518 4,822 20,132 

Interest, dividends, rental income, other

property income ......................................... 908 4125 477 527 1,851 810 2,714 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 229 4117 258 259 214 4143 466 

Public assistance, supplemental security

income, food stamps .................................. 347 424 361 341 248 395 940 

Regular contributions for support ................. 677 4543 505 690 1,026 496 4427 

Other income ............................................... 282 4186 214 145 608 464 4438 

Personal taxes ............................................... 2,447 406 599 3,043 3,981 2,444 253 

Federal income taxes ................................... 1,610 35 184 2,083 2,751 1,547 228 

State and local income taxes ....................... 615 332 288 742 884 608 -108 

Other taxes .................................................. 223 440 127 219 346 289 133 

Income after taxes ......................................... 82,502 48,749 62,752 85,099 103,733 87,095 71,823 

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, 2006-2007 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Addenda:

Net change in total assets and liabilities ........ - $9,857 - $1,281 - $11,890 - $15,387 $42 - $14,658 - $6,692 

Net change in total assets ............................ 14,926 17,242 15,908 16,727 14,656 3,149 8,295 

Net change in total liabilities ........................ 24,784 18,523 27,797 32,114 14,614 17,807 14,987 

Other financial information:

Other money receipts ................................... 632 4122 207 332 1,580 4836 4273 

Mortgage principal paid on owned property -3,347 -497 -1,825 -3,735 -4,856 -3,304 -2,394 

Estimated market value of owned home ...... 229,661 87,246 138,533 241,078 300,533 340,240 206,447 

Estimated monthly rental value of owned

home .......................................................... 1,112 424 786 1,212 1,353 1,289 1,076 

Gifts of goods and services ............................ 863 748 615 681 1,296 1,088 1,357 

Food ............................................................. 77 220 48 48 137 48 456 

Alcoholic beverages ..................................... 14 444 4 12 25 44 438 

Housing ........................................................ 197 131 148 179 272 214 4270 

Housekeeping supplies .............................. 26 418 18 26 35 418 444 

Household textiles ...................................... 9 46 46 8 13 47 41 

Appliances and miscellaneous

housewares .............................................. 26 46 25 19 25 490 45 

Major appliances ...................................... 9 42 45 5 7 466 3 ( )

Small appliances and miscellaneous

housewares ............................................ 17 44 421 14 17 424 45 

Miscellaneous household equipment ......... 58 421 38 62 76 429 4144 

Other housing ............................................ 79 479 60 64 123 469 477 

Apparel and services ................................... 211 251 188 188 240 243 373 

Males, 2 and over ...................................... 46 462 35 33 67 52 4107 

Females, 2 and over .................................. 62 464 41 65 74 84 475 

Children under 2 ........................................ 74 492 86 74 62 66 429 

Other apparel products and services ......... 29 433 26 16 37 440 4163 

Jewelry and watches ................................ 8 41 43 6 9 434 420 

All other apparel products and services ... 22 432 423 49 428 47 4143 

Transportation .............................................. 32 414 27 30 45 27 46 

Health care ................................................... 12 3 ( ) 43 414 24 48 412 

Entertainment ............................................... 107 419 124 110 87 477 4296 

Toys, games, arts and crafts, and tricycles 44 42 39 47 439 422 4210 

Other entertainment ................................... 63 417 85 62 48 456 86 

Personal care products and services ........... 15 415 18 16 15 43 3 ( )

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

Education ..................................................... 137 426 46 36 353 413 4256 

All other gifts ................................................ 60 429 49 49 96 52 450 

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.

n.a. Not applicable.