Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2009-2010

Item

Total

55-64

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) ....... 21,045 749 759 1,168 1,143 2,280 2,082 2,165 3,056 7,643 

Consumer unit characteristics: 

Income before taxes ..................................... $69,745 $467 $8,246 $12,693 $17,477 $25,044 $34,899 $44,523 $59,299 $133,327 

Income after taxes ........................................ 67,091 533 8,273 12,591 17,449 24,866 34,199 43,510 57,197 127,402 

Age of reference person ................................ 59.2 59.2 59.7 59.4 59.7 59.5 59.4 59.4 59.2 58.8 

Average number in consumer unit:

Persons ........................................................ 2.1 1.4 1.5 1.5 1.7 1.8 2.0 2.0 2.2 2.5 

Children under 18 ........................................ .2 1.1 1.1 1.1 .2 .1 .1 .1 .2 .2 

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

Earners ........................................................ 1.3 .3 .4 .5 .6 .8 1.1 1.2 1.5 1.9 

Vehicles ....................................................... 2.2 1.2 .9 1.1 1.4 1.7 1.9 2.2 2.6 2.9 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 46 38 41 41 42 42 46 53 54 

Female ......................................................... 52 54 62 59 59 58 58 54 47 46 

Housing tenure:

Homeowner .................................................. 80 50 41 51 65 72 77 85 86 94 

With mortgage ............................................ 46 21 14 16 29 29 39 45 53 63 

Without mortgage ....................................... 34 29 27 34 37 43 38 39 33 31 

Renter .......................................................... 20 50 59 49 35 28 23 15 14 6 

Race of reference person:

Black or African-American ........................... 11 22 24 19 17 18 15 10 8 5 

White, Asian, and all other races ................. 89 78 76 81 83 82 85 90 92 95 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 8 12 8 15 9 10 11 6 7 5 

Not Hispanic or Latino .................................. 92 88 92 85 91 90 89 94 93 95 

Education of reference person:

Elementary (1-8) .......................................... 4 7 12 8 8 8 5 4 3 2 

High school (9-12) ........................................ 33 43 52 44 50 46 40 37 34 19 

College ......................................................... 62 49 35 47 42 46 54 59 63 79 

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

At least one vehicle owned or leased ............ 92 67 57 78 81 89 94 96 97 98 

Average annual expenditures .......................... $51,670 $25,973 $17,752 $21,447 $25,043 $29,104 $33,554 $40,552 $49,889 $81,773 

Food ............................................................... 6,184 3,676 3,064 3,492 3,358 3,841 4,288 4,969 5,932 9,285 

Food at home ............................................... 3,679 2,330 2,275 2,488 2,283 2,677 2,800 3,212 3,479 5,127 

Cereals and bakery products ..................... 486 311 278 303 315 363 396 415 452 677 

Cereals and cereal products .................... 156 117 95 98 101 127 137 124 140 214 

Bakery products ....................................... 330 193 183 205 214 236 259 291 312 463 

Meats, poultry, fish, and eggs .................... 820 491 508 645 537 589 663 753 770 1,112 

Beef .......................................................... 232 109 106 193 143 143 186 215 214 330 

Pork .......................................................... 159 106 121 111 112 150 144 153 152 195 

Other meats ............................................. 114 59 70 65 92 81 100 100 110 153 

Poultry ...................................................... 135 100 87 105 81 102 106 111 128 184 

Fish and seafood ..................................... 137 89 89 128 75 80 90 132 127 194 

Eggs ......................................................... 43 28 34 44 32 33 37 41 39 55 

Dairy products ............................................ 382 218 248 272 228 261 262 341 358 545 

Fresh milk and cream .............................. 133 83 75 102 97 104 107 126 130 172 

Other dairy products ................................ 249 135 174 170 131 157 155 216 228 373 

Fruits and vegetables ................................. 678 433 424 431 415 527 492 567 620 963 

Fresh fruits ............................................... 235 168 137 125 155 180 168 183 199 349 

Fresh vegetables ..................................... 219 128 143 140 127 177 153 199 191 312 

Processed fruits ....................................... 109 72 57 81 64 81 79 91 106 152 

Processed vegetables .............................. 115 65 87 85 69 90 92 94 124 150 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2009-2010 — Continued

Item

Total

55-64

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 .................................... $1,313 $877 $818 $837 $788 $938 $987 $1,136 $1,279 $1,831 

Sugar and other sweets ........................... 143 107 129 88 94 93 120 105 125 205 

Fats and oils ............................................. 107 58 76 72 72 81 86 101 98 146 

Miscellaneous foods ................................ 656 462 410 416 369 481 473 590 638 914 

Nonalcoholic beverages ........................... 345 220 202 240 231 268 274 305 356 454 

Food prepared by consumer unit on

out-of-town trips ..................................... 62 131 11 120 122 15 35 34 61 113 

Food away from home ................................. 2,505 1,346 789 1,005 1,075 1,164 1,488 1,757 2,452 4,158 

Alcoholic beverages ....................................... 421 257 233 183 124 167 163 259 408 742 

Housing .......................................................... 16,830 10,464 7,685 8,951 10,211 10,944 12,209 13,595 16,382 24,703 

Shelter .......................................................... 9,570 6,235 4,391 5,352 5,836 6,061 6,667 7,618 9,303 14,113 

Owned dwellings ........................................ 6,960 2,912 1,525 1,982 3,251 3,638 4,494 5,773 7,209 11,112 

Mortgage interest and charges ................ 3,274 1,396 786 702 1,444 1,473 1,949 2,607 3,488 5,375 

Property taxes .......................................... 2,225 1,004 558 811 1,023 1,320 1,436 1,819 2,230 3,504 

Maintenance, repairs, insurance, other

expenses ................................................ 1,461 513 181 469 785 845 1,109 1,347 1,492 2,234 

Rented dwellings ........................................ 1,630 2,942 2,644 3,169 2,285 2,099 1,888 1,488 1,327 1,019 

Other lodging ............................................. 980 381 1222 201 299 324 285 357 767 1,982 

Utilities, fuels, and public services ............... 3,938 2,369 2,228 2,347 2,911 3,270 3,429 3,542 4,117 5,037 

Natural gas ................................................. 493 244 302 247 286 356 415 482 509 663 

Electricity .................................................... 1,514 984 950 984 1,220 1,342 1,412 1,318 1,582 1,855 

Fuel oil and other fuels ............................... 186 176 164 162 147 172 128 180 212 244 

Telephone services .................................... 1,202 744 621 722 884 963 1,043 1,085 1,247 1,555 

Water and other public services ................. 543 321 290 331 373 437 431 476 567 720 

Household operations .................................. 876 381 238 397 370 462 526 606 781 1,471 

Personal services ....................................... 87 17 4 ( ) 181 123 166 119 161 160 158 

Other household expenses ........................ 789 374 238 316 348 396 507 545 721 1,313 

Housekeeping supplies ................................ 770 474 354 344 412 419 503 692 649 1,226 

Laundry and cleaning supplies .................. 157 148 96 75 100 122 123 147 140 218 

Other household products .......................... 446 250 166 156 243 177 287 390 356 756 

Postage and stationery .............................. 167 77 91 112 69 120 92 154 153 253 

Household furnishings and equipment ......... 1,675 1,004 474 511 682 732 1,085 1,138 1,533 2,856 

Household textiles ...................................... 146 55 71 27 49 62 75 125 116 261 

Furniture ..................................................... 368 258 97 90 101 149 114 218 437 638 

Floor coverings .......................................... 44 118 15 17 14 112 18 25 31 88 

Major appliances ........................................ 263 76 124 70 121 127 231 242 268 410 

Small appliances, miscellaneous

housewares .............................................. 130 67 47 56 96 51 214 88 105 184 

Miscellaneous household equipment ......... 724 531 230 261 311 331 433 440 576 1,276 

Apparel and services ..................................... 1,581 717 476 619 663 772 938 1,152 1,353 2,712 

Men and boys .............................................. 353 155 65 71 155 108 215 271 322 624 

Men, 16 and over ....................................... 316 1140 148 66 123 91 188 226 292 568 

Boys, 2 to 15 .............................................. 37 115 117 5 32 16 27 45 31 56 

Women and girls .......................................... 639 332 206 189 258 334 367 508 513 1,107 

Women, 16 and over .................................. 580 265 196 172 241 302 304 429 470 1,021 

Girls, 2 to 15 ............................................... 59 167 110 117 117 31 63 79 43 86 

Children under 2 .......................................... 60 137 116 130 22 41 32 38 68 94 

Footwear ...................................................... 281 184 1117 245 1119 189 190 213 276 421 

Other apparel products and services ........... 248 109 71 85 109 101 134 122 175 466 

Transportation ................................................ 8,215 3,440 2,053 2,673 4,012 4,593 5,990 7,978 9,131 12,144 

Vehicle purchases (net outlay) ..................... 2,667 11,052 1222 1480 1778 1,447 1,718 3,141 3,265 3,933 

Cars and trucks, new ................................. 1,536 1369 4 ( ) 1151 4 ( ) 1862 1939 1,970 1,507 2,497 

Cars and trucks, used ................................ 1,058 1683 1222 1329 773 554 677 1,140 1,631 1,334 

Other vehicles ............................................ 73 4 ( ) 4 ( ) 4 ( ) 15 131 1102 130 1128 102 

Gasoline and motor oil ................................. 2,146 1,067 796 1,011 1,306 1,521 1,774 2,081 2,310 2,924 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2009-2010 — Continued

Item

Total

55-64

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 ............................... $2,861 $1,075 $935 $1,046 $1,751 $1,420 $2,324 $2,486 $3,105 $4,240 

Vehicle finance charges ............................. 269 103 147 66 90 178 211 233 355 385 

Maintenance and repairs ........................... 874 439 292 331 496 416 691 805 894 1,316 

Vehicle insurance ....................................... 1,243 1410 1465 1549 11,019 602 1,182 1,090 1,411 1,707 

Vehicle rental, leases, licenses, and other

charges .................................................... 474 123 132 101 145 224 240 358 445 832 

Public transportation .................................... 542 246 100 136 177 205 174 271 450 1,047 

Healthcare ...................................................... 3,877 2,082 1,259 1,756 2,105 2,877 2,964 3,469 4,049 5,500 

Health insurance .......................................... 2,064 1,232 767 963 1,063 1,628 1,662 1,937 2,177 2,824 

Medical services .......................................... 998 399 185 347 482 618 700 703 1,054 1,569 

Drugs ........................................................... 672 368 275 386 512 556 531 706 677 874 

Medical supplies .......................................... 143 84 132 60 49 75 72 123 141 233 

Entertainment ................................................. 2,793 1,518 935 1,048 1,261 1,682 1,808 1,986 2,835 4,415 

Fees and admissions ................................... 586 185 68 97 111 256 247 335 489 1,124 

Audio and visual equipment and services .... 1,043 627 511 540 740 703 849 949 1,147 1,394 

Pets, toys, hobbies, and playground

equipment .................................................. 740 612 274 292 371 604 422 551 650 1,153 

Other entertainment supplies, equipment,

and services ............................................... 424 194 183 119 38 120 290 151 548 743 

Personal care products and services ............. 607 333 242 237 263 350 407 439 510 1,005 

Reading .......................................................... 136 78 31 45 58 76 82 90 138 223 

Education ....................................................... 959 1152 1265 1126 182 189 205 504 487 2,105 

Tobacco products and smoking supplies ....... 430 465 431 405 620 524 462 398 456 365 

Miscellaneous ................................................ 1,050 948 239 871 473 607 607 761 1,584 1,338 

Cash contributions ......................................... 1,991 859 492 516 804 755 935 1,428 1,501 3,664 

Personal insurance and pensions .................. 6,595 986 349 523 908 1,727 2,495 3,523 5,123 13,572 

Life and other personal insurance ................ 459 140 97 126 142 165 255 309 446 815 

Pensions and Social Security ...................... 6,136 846 252 398 766 1,561 2,240 3,215 4,677 12,757 

Sources of income and personal taxes: 

Money income before taxes ........................... 69,745 467 8,246 12,693 17,477 25,044 34,899 44,523 59,299 133,327 

Wages and salaries ..................................... 53,164 1,428 2,050 4,015 7,344 12,518 22,735 31,118 45,050 107,577 

Self-employment income ............................. 4,456 1-3,708 1-118 1281 533 762 1,301 1,067 1,467 11,051 

Social Security, private and government

retirement ................................................... 8,666 1,157 3,313 5,990 6,909 9,275 8,839 9,943 10,306 9,359 

Interest, dividends, rental income, other

property income ......................................... 1,848 638 1130 115 356 537 474 801 1,025 4,017 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 655 156 1287 596 727 845 832 791 709 583 

Public assistance, supplemental security

income, food stamps .................................. 545 503 2,152 1,207 1,116 802 403 351 488 242 

Regular contributions for support ................. 256 140 168 1259 1250 1152 1139 1335 1156 376 

Other income ............................................... 157 1354 1365 1230 1242 154 1175 1116 98 123 

Personal taxes ............................................... 2,654 -66 -28 102 28 178 700 1,013 2,102 5,926 

Federal income taxes ................................... 1,801 -184 -75 41 -75 -43 351 589 1,360 4,195 

2008 Tax stimulus (thru Q20091) ................ 3 ( ) 4 ( ) 4 ( ) 4 ( ) 1-2 4 ( ) 4 ( ) 4 ( ) 1-2 4 ( )

State and local income taxes ....................... 600 19 -13 2 32 65 213 289 511 1,283 

Other taxes .................................................. 254 98 60 58 73 156 135 136 233 448 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2009-2010 — Continued

Item

Total

55-64

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 ......................................... 67,091 533 8,273 12,591 17,449 24,866 34,199 43,510 57,197 127,402 

Addenda:

Net change in total assets and liabilities ........ - $1,714 - $3,037 - $2,437 - $2,700 $272 - $2,106 - $3,824 - $1,175 - $9,466 $1,981 

Net change in total assets ............................ 5,873 997 -1,582 -3,368 2,423 -1,199 -737 3,860 -26 15,859 

Net change in total liabilities ........................ 7,587 4,034 855 -668 2,151 908 3,087 5,035 9,440 13,878 

Other financial information:

Other money receipts ................................... 811 11,312 158 1389 1167 126 815 789 1,617 886 

Mortgage principal paid on owned property -2,691 -807 -524 -532 -829 -1,088 -1,449 -1,827 -2,951 -4,656 

Estimated market value of owned home ...... 199,222 95,534 58,989 70,185 105,462 114,982 129,608 162,199 191,814 314,593 

Estimated monthly rental value of owned

home .......................................................... 1,049 533 343 430 613 681 794 916 1,041 1,550 

Gifts of goods and services ............................ 1,532 516 210 670 635 591 804 705 1,042 2,952 

Food ............................................................. 163 115 118 179 16 61 71 64 84 319 

Alcoholic beverages ..................................... 16 128 4 ( ) 4 ( ) 3 ( ) 11 11 11 7 37 

Housing ........................................................ 303 66 152 185 180 114 191 161 206 558 

Housekeeping supplies .............................. 41 19 15 15 124 144 20 60 31 61 

Household textiles ...................................... 11 13 4 ( ) 3 ( ) 110 11 16 17 111 20 

Appliances and miscellaneous

housewares .............................................. 28 14 12 13 122 113 163 115 14 44 

Major appliances ...................................... 9 3 ( ) 4 ( ) 4 ( ) 14 16 18 17 17 15 

Small appliances and miscellaneous

housewares ............................................ 20 14 12 13 118 17 155 17 7 29 

Miscellaneous household equipment ......... 66 119 119 14 138 119 21 126 43 137 

Other housing ............................................ 157 131 126 172 85 138 81 53 107 296 

Apparel and services ................................... 279 141 141 69 163 155 247 176 223 467 

Males, 2 and over ...................................... 68 114 19 10 74 19 85 60 57 104 

Females, 2 and over .................................. 101 174 19 117 46 72 87 64 70 170 

Children under 2 ........................................ 54 137 115 27 22 37 30 33 56 85 

Other apparel products and services ......... 56 116 18 114 122 126 44 119 40 107 

Jewelry and watches ................................ 19 116 11 11 17 18 111 111 115 36 

All other apparel products and services ... 37 3 ( ) 17 113 115 118 133 18 25 72 

Transportation .............................................. 86 13 5 17 15 24 65 27 94 161 

Health care ................................................... 41 12 117 12 135 120 16 115 126 83 

Entertainment ............................................... 167 1118 159 156 1120 47 118 78 157 284 

Toys, games, arts and crafts, and tricycles 59 180 136 110 152 127 139 124 146 101 

Other entertainment ................................... 108 138 123 146 68 19 79 54 111 183 

Personal care products and services ........... 11 18 15 4 ( ) 15 17 116 112 14 18 

Reading ........................................................ 1 3 ( ) 4 ( ) 11 11 11 11 11 2 1 

Education ..................................................... 347 114 16 19 186 99 150 127 93 825 

All other gifts ................................................ 118 20 18 151 15 53 39 42 145 201 

1 Data are likely to have large sampling errors. 2 Value is less than or equal to 0.05. 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, 2011