Table 3610. Consumer units of two or more people by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure 

Surveys, 2020-2021

Item 

Total 

two or 

more 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

65-74

years 

75 years 

and older 

Number of consumer units (in thousands)1................................................... 92,473 3,328 15,438 18,926 17,768 17,330 19,683 12,912 6,771 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $104,047 $61,156 $92,591 $115,288 $132,595 $117,907 $71,503 $77,479 $60,106 

 Income after taxes ...................................................................................... 93,297 59,369 86,114 104,085 115,031 100,369 68,447 73,249 59,290 

 Age of reference person ............................................................................. 50.1 22.2 30.1 39.4 49.5 59.5 73.0 69.1 80.4 

 Average number in consumer unit: 

 People ..................................................................................................... 3.1 2.9 3.3 3.8 3.4 2.7 2.3 2.4 2.3 

 Children under 18 .................................................................................... .8 .6 1.2 1.7 .9 .3 .1 .1 .1 

 Adults 65 and older ................................................................................. .4 ( 2 ) ( 2 ) ( 2 ) .1 .2 1.7 1.7 1.8 

 Earners .................................................................................................... 1.6 2.0 1.8 1.8 2.0 1.7 .7 .9 .5 

 Vehicles ................................................................................................... 2.2 1.8 1.9 2.1 2.4 2.5 2.2 2.4 1.9 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 48 49 45 46 46 47 54 52 57 

 Women .................................................................................................... 52 51 55 54 54 53 46 48 43 

 Housing tenure: 

 Homeowner ............................................................................................. 71 26 51 66 76 82 88 87 90 

 With mortgage ...................................................................................... 45 16 40 55 58 48 30 35 21 

 Without mortgage ................................................................................. 26 10 10 11 18 34 58 52 69 

 Renter ...................................................................................................... 29 74 49 34 24 18 12 13 10 

 Race of reference person: 

 Black or African-American ....................................................................... 12 12 13 14 13 12 10 10 9 

 White, Asian, and all other races, not including Black or 

 African-American.................................................................................. 88 88 87 86 87 88 90 90 91 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino.................................................................................... 17 29 22 19 19 14 8 9 6 

 Not Hispanic or Latino ............................................................................. 83 71 78 81 81 86 92 91 94 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 27 39 27 23 25 28 31 29 36 

 College .................................................................................................... 70 60 71 74 72 69 65 68 60 

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

 At least one vehicle owned or leased......................................................... 94 91 94 94 94 95 95 95 93 

Average annual expenditures ........................................................................ $74,664 $50,628 $66,711 $81,774 $87,433 $79,913 $61,934 $65,546 $55,051 

 Food ............................................................................................................ 9,177 5,974 8,250 10,233 10,734 9,404 7,781 8,134 7,110 

 Food at home .......................................................................................... 6,010 3,602 5,013 6,679 6,911 6,301 5,476 5,648 5,148 

 Cereals and bakery products ............................................................... 779 436 637 905 901 763 728 730 723 

 Cereals and cereal products ............................................................. 255 159 225 304 297 245 215 217 213 

 Bakery products ................................................................................ 524 277 411 601 604 518 512 514 510 

 Meats, poultry, fish, and eggs .............................................................. 1,302 907 1,095 1,391 1,488 1,424 1,166 1,221 1,061 

 Beef ................................................................................................... 357 234 320 379 407 394 305 307 301 

 Pork ................................................................................................... 255 181 205 266 290 261 261 274 235 

 Other meats ...................................................................................... 173 141 132 194 194 191 153 161 139 

 Poultry ............................................................................................... 234 167 204 256 272 268 184 202 149 

 Fish and seafood .............................................................................. 206 128 166 206 238 234 195 208 170 

 Eggs .................................................................................................. 77 57 68 89 86 77 68 69 68 

 Dairy products ...................................................................................... 567 309 472 627 637 582 552 568 522 

 Fresh milk and cream ....................................................................... 179 112 153 207 200 181 164 173 148 

 Other dairy products ......................................................................... 388 197 319 420 437 401 388 395 374 

 Fruits and vegetables ........................................................................... 1,183 713 974 1,303 1,370 1,223 1,105 1,114 1,088 

 Fresh fruits ........................................................................................ 426 253 358 470 488 433 403 416 379 

 Fresh vegetables .............................................................................. 378 247 312 398 440 403 351 358 337 

 Processed fruits ................................................................................ 151 101 122 176 170 152 141 131 161 

 Processed vegetables ...................................................................... 228 113 181 259 272 235 209 209 211 

 Other food at home .............................................................................. 2,179 1,237 1,836 2,452 2,515 2,308 1,925 2,015 1,754 

 Sugar and other sweets .................................................................... 205 144 163 231 231 204 198 195 204 

 Fats and oils ...................................................................................... 156 98 124 165 185 170 146 146 146 

See footnotes at end of table. 
Table 3610. Consumer units of two or more people by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure 

Surveys, 2020-2021 — Continued 

Item 

Total 

two or 

more 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

65-74

years 

75 years 

and older 

 Miscellaneous foods ......................................................................... 1,181 609 1,068 1,338 1,349 1,248 1,001 1,040 925 

 Nonalcoholic beverages ................................................................... 565 351 431 636 665 603 513 552 440 

 Food prepared by consumer unit on out of town trips ...................... 73 34 50 82 85 83 67 81 39 

 Food away from home ............................................................................ 3,167 2,372 3,237 3,554 3,823 3,103 2,305 2,486 1,962 

 Alcoholic beverages ................................................................................... 571 234 541 568 606 708 506 580 366 

 Housing....................................................................................................... 24,692 18,932 23,516 27,436 27,544 25,306 20,852 21,915 18,827 

 Shelter ..................................................................................................... 14,117 12,136 14,093 15,913 15,946 14,260 10,968 11,542 9,874 

 Owned dwellings .................................................................................. 8,928 2,018 6,536 9,781 10,867 10,234 8,254 8,642 7,513 

 Mortgage interest and charges ......................................................... 3,530 778 3,202 4,777 4,891 3,573 1,788 2,145 1,108 

 Property taxes ................................................................................... 2,830 679 1,698 2,772 3,237 3,605 3,090 3,108 3,055 

 Maintenance, repairs, insurance, and other expenses .................... 2,568 562 1,637 2,233 2,739 3,056 3,376 3,389 3,351 

 Rented dwellings .................................................................................. 4,143 9,697 7,080 5,203 3,672 2,509 1,743 1,868 1,506 

 Other lodging ........................................................................................ 1,046 421 477 928 1,408 1,517 971 1,031 854 

 Utilities, fuels, and public services .......................................................... 4,851 3,261 4,061 4,911 5,544 5,306 4,657 4,737 4,504 

 Natural gas ........................................................................................... 489 300 362 500 530 548 523 497 572 

 Electricity .............................................................................................. 1,747 1,259 1,493 1,757 1,926 1,874 1,744 1,773 1,688 

 Fuel oil and other fuels ......................................................................... 128 429 70 94 140 171 174 166 188 

 Telephone services .............................................................................. 1,688 1,226 1,504 1,756 2,048 1,830 1,393 1,484 1,219 

 Residential phone service, VOIP, and phone cards ......................... 183 43 61 106 172 238 336 308 391 

 Cellular phone service ...................................................................... 1,505 1,183 1,443 1,650 1,877 1,592 1,056 1,176 828 

 Water and other public services .......................................................... 800 447 632 804 900 883 823 816 837 

 Household operations ............................................................................. 1,813 813 1,917 2,571 1,707 1,545 1,501 1,445 1,606 

 Personal services ................................................................................. 496 491 964 1,230 249 53 102 67 4167 

 Other household expenses .................................................................. 1,317 722 953 1,341 1,458 1,492 1,399 1,378 1,439 

 Housekeeping supplies ........................................................................... 955 486 720 853 1,074 1,215 987 1,046 873 

 Laundry and cleaning supplies ............................................................ 198 124 154 200 236 221 188 195 174 

 Other household products.................................................................... 620 309 456 539 699 823 637 693 532 

 Postage and stationery ........................................................................ 137 52 110 115 139 171 162 159 168 

 Household furnishings and equipment.................................................... 2,956 2,236 2,725 3,189 3,273 2,980 2,740 3,144 1,969 

 Household textiles ................................................................................ 135 80 104 143 155 156 126 130 119 

 Furniture ............................................................................................... 747 598 784 875 903 728 494 513 457 

 Floor coverings ..................................................................................... 38 11 37 48 38 36 35 30 45 

 Major appliances .................................................................................. 497 345 453 513 510 595 447 461 419 

 Small appliances and miscellaneous housewares .............................. 154 94 146 156 173 175 136 147 116 

 Miscellaneous household equipment................................................... 1,384 1,108 1,200 1,454 1,494 1,290 1,502 1,863 814 

 Apparel and services .................................................................................. 1,861 1,685 2,004 2,275 2,232 1,775 1,095 1,224 848 

 Men and boys .......................................................................................... 433 349 481 594 523 350 238 286 148 

 Men, 16 and over ................................................................................. 308 288 306 336 388 303 214 251 143 

 Boys, 2 to 15 ........................................................................................ 125 61 175 258 135 47 24 34 44 

 Women and girls ..................................................................................... 700 487 642 837 972 639 446 483 375 

 Women, 16 and over ............................................................................ 556 411 482 574 763 572 413 441 360 

 Girls, 2 to 15 ......................................................................................... 144 476 160 263 209 67 32 42 415 

 Children under 2 ...................................................................................... 95 483 237 128 47 53 30 34 422 

 Footwear.................................................................................................. 377 527 393 460 442 363 205 240 137 

 Other apparel products and services ...................................................... 257 239 251 256 248 369 176 181 168 

 Transportation ............................................................................................ 12,529 11,006 12,564 14,433 14,562 12,574 9,055 10,168 6,932 

 Vehicle purchases (net outlay) ................................................................ 5,761 5,143 6,108 7,254 6,360 5,525 3,825 4,506 2,527 

 Cars and trucks, new ........................................................................... 2,678 1,747 2,368 3,315 2,802 2,974 2,094 2,503 1,313 

 Cars and trucks, used .......................................................................... 3,020 3,287 3,686 3,863 3,495 2,452 1,712 1,975 1,211 

 Other vehicles ...................................................................................... 63 4110 54 75 64 98 420 428 43 

 Gasoline, other fuels, and motor oil ........................................................ 2,231 2,174 2,240 2,430 2,677 2,289 1,590 1,774 1,240 

 Other vehicle expenses ........................................................................... 4,124 3,436 3,808 4,297 4,987 4,345 3,348 3,545 2,972 

 Vehicle finance charges ....................................................................... 333 249 367 403 413 336 178 213 111 

 Maintenance and repairs ..................................................................... 1,073 770 959 1,110 1,257 1,177 919 994 778 

 Vehicle rental, leases, licenses, and other charges ............................ 890 722 771 973 1,099 850 778 780 773 

 Vehicle insurance ................................................................................. 1,828 1,695 1,710 1,811 2,217 1,983 1,473 1,558 1,310 

 Public and other transportation ............................................................... 413 253 407 451 537 416 292 343 194 

 Healthcare .................................................................................................. 6,171 1,874 3,950 5,332 6,312 7,107 8,501 8,313 8,858 

 Health insurance ..................................................................................... 4,313 1,281 2,764 3,548 4,316 4,918 6,240 6,037 6,629 

 Medical services ...................................................................................... 1,116 377 813 1,210 1,257 1,334 1,067 1,101 1,002 

 Drugs ....................................................................................................... 544 143 251 412 530 667 879 855 925 

 Medical supplies ...................................................................................... 198 74 120 162 209 189 314 321 301 

 Entertainment ............................................................................................. 3,830 1,775 3,146 4,278 4,524 4,109 3,416 3,863 2,564 

 Fees and admissions .............................................................................. 672 245 480 1,031 868 543 485 483 488 

See footnotes at end of table. 
Table 3610. Consumer units of two or more people by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure 

Surveys, 2020-2021 — Continued 

Item 

Total 

two or 

more 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

65-74

years 

75 years 

and older 

 Audio and visual equipment and services .............................................. 1,152 703 927 1,140 1,270 1,276 1,197 1,216 1,160 

 Pets, toys, hobbies, and playground equipment ..................................... 1,069 613 1,033 1,247 993 1,213 949 1,108 646 

 Pets ...................................................................................................... 839 426 728 939 778 1,043 782 903 552 

 Toys, hobbies, and playground equipment .......................................... 230 187 305 309 215 170 167 205 94 

 Other entertainment supplies, equipment, and services ........................ 939 214 706 860 1,393 1,077 785 1,056 269 

 Personal care products and services ......................................................... 825 601 734 856 1,004 865 706 716 688 

 Reading ...................................................................................................... 123 71 103 107 120 129 164 152 187 

 Education .................................................................................................... 1,531 1,733 1,092 1,192 3,043 1,820 546 477 676 

 Tobacco products and smoking supplies ................................................... 362 272 345 381 394 447 268 319 172 

 Miscellaneous ............................................................................................. 1,049 376 756 1,148 1,330 1,054 1,037 1,059 994 

 Cash contributions ...................................................................................... 2,639 817 987 2,212 2,415 3,662 3,958 3,639 4,565 

 Personal insurance and pensions .............................................................. 9,302 5,278 8,723 11,323 12,613 10,953 4,049 4,986 2,263 

 Life and other personal insurance ........................................................... 589 133 256 533 744 785 671 737 544 

 Pensions and Social Security ................................................................. 8,712 5,145 8,468 10,790 11,869 10,168 3,379 4,249 1,719 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $104,047 $61,156 $92,591 $115,288 $132,595 $117,907 $71,503 $77,479 $60,106 

 Wages and salaries ................................................................................. 82,599 54,687 85,309 102,601 114,660 93,078 27,790 34,868 14,292 

 Self-employment income ......................................................................... 7,415 3,781 3,922 8,043 10,292 11,022 4,394 5,401 2,473 

 Social Security, private and government retirement ............................... 9,743 551 664 1,331 3,099 8,226 33,841 31,993 37,366 

 Interest, dividends, rental income, and other property income ............... 2,298 233 510 1,234 2,397 3,378 4,032 3,855 4,369 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 587 585 634 761 556 663 344 375 285 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,132 717 1,249 1,122 1,161 1,304 944 850 1,123 

 Other income ........................................................................................... 273 603 304 196 430 237 158 137 199 

 Personal taxes (contains some imputed values) ....................................... 10,751 1,788 6,478 11,203 17,564 17,538 3,056 4,230 816 

 Federal income taxes .............................................................................. 10,288 2,252 6,604 10,612 15,783 15,859 4,358 5,331 2,502 

 Stimulus payment (new UCC Q20202)# ................................................. -2,700 -2,483 -2,908 -3,066 -2,717 -2,402 -2,468 -2,549 -2,315 

 State and local income taxes .................................................................. 3,054 1,113 2,726 3,590 4,417 3,959 1,098 1,368 585 

 Other taxes .............................................................................................. 108 4905 55 67 81 122 68 80 44 

 Income after taxes ...................................................................................... 93,297 59,369 86,114 104,085 115,031 100,369 68,447 73,249 59,290 

Addenda: 

 Net change in total assets and liabilities .................................................... $10,046 -$1,094 -$10,055 -$1,364 $206 $42,927 $18,602 $21,202 $13,643 

 Net change in total assets ....................................................................... 38,623 12,550 31,108 41,502 34,288 65,142 26,721 31,872 16,898 

 Net change in total liabilities.................................................................... 28,577 13,644 41,163 42,866 34,083 22,216 8,119 10,670 3,254 

 Other financial information: 

 Other money receipts .............................................................................. 1,592 419 406 352 462 6,447 660 683 617 

 Mortgage principal paid on owned property ............................................ -3,083 -701 -1,977 -3,573 -4,254 -3,809 -2,184 -2,552 -1,482 

 Estimated market value of owned home ................................................. 275,156 71,969 151,498 252,872 314,170 341,107 334,641 330,964 341,652 

 Estimated monthly rental value of owned home ..................................... 1,399 392 868 1,332 1,566 1,676 1,657 1,639 1,692 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 No data reported. 

4

 Data are likely to have large sampling errors. 

# Data collection for this item began in June 2020. Stimulus payments delivered to respondents interviewed in April and May of 2020 were not included in estimation. 

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2022