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

characteristics, Consumer Expenditure Survey, 2008-2009

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) ....... 25,527 630 705 810 865 2,081 2,308 2,371 4,209 11,549 

Consumer unit characteristics: 

Income before taxes ..................................... $81,411 - $4,592 $8,105 $12,598 $17,488 $25,057 $34,740 $45,017 $59,460 $135,143 

Income after taxes ........................................ 78,001 -5,239 8,323 12,975 17,785 25,187 34,336 44,318 57,914 128,342 

Age of reference person ................................ 49.4 49.8 49.6 49.8 49.3 49.3 49.3 49.2 49.5 49.5 

Average number in consumer unit:

Persons ........................................................ 2.7 2.0 1.7 2.1 2.2 2.4 2.5 2.5 2.7 3.1 

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

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

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

Vehicles ....................................................... 2.4 1.0 .7 1.1 1.2 1.6 1.7 2.0 2.4 3.1 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 50 34 33 40 40 40 50 44 54 

Female ......................................................... 52 50 66 67 60 60 60 50 56 46 

Housing tenure:

Homeowner .................................................. 75 40 30 37 48 53 61 71 76 91 

With mortgage ............................................ 56 21 16 19 21 33 42 52 56 73 

Without mortgage ....................................... 19 19 14 18 27 19 19 19 21 19 

Renter .......................................................... 25 60 70 63 52 47 39 29 24 9 

Race of reference person:

Black or African-American ........................... 13 23 33 24 24 21 17 14 12 7 

White, Asian, and all other races ................. 87 77 67 76 76 79 83 86 88 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 11 10 13 18 16 17 17 13 12 7 

Not Hispanic or Latino .................................. 89 90 87 82 84 83 83 87 88 93 

Education of reference person:

Elementary (1-8) .......................................... 4 9 11 9 8 8 5 5 2 1 

High school (9-12) ........................................ 35 42 52 52 55 53 43 39 39 23 

College ......................................................... 61 49 36 38 37 38 52 55 58 75 

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

At least one vehicle owned or leased ............ 92 60 48 68 78 86 90 96 96 98 

Average annual expenditures .......................... $59,953 $26,947 $18,645 $24,078 $24,907 $30,419 $35,605 $39,160 $48,941 $88,155 

Food ............................................................... 7,573 4,509 3,060 4,317 3,945 4,741 4,809 5,241 6,245 10,662

Food at home ............................................... 4,399 3,106 2,310 2,952 2,977 3,296 3,063 3,342 3,764 5,784 

Cereals and bakery products ..................... 593 469 345 417 372 421 377 455 522 781 

Cereals and cereal products .................... 196 179 135 149 127 137 138 155 171 251 

Bakery products ....................................... 397 290 210 268 245 285 239 300 351 530 

Meats, poultry, fish, and eggs .................... 998 677 528 678 811 753 813 802 848 1,272 

Beef .......................................................... 277 169 153 166 249 217 207 222 218 363 

Pork .......................................................... 191 148 131 164 205 153 170 160 172 225 

Other meats ............................................. 131 101 55 82 113 85 88 103 115 172 

Poultry ...................................................... 186 117 97 119 108 142 150 140 162 242 

Fish and seafood ..................................... 162 108 62 109 91 108 156 128 133 210 

Eggs ......................................................... 52 35 30 38 46 49 42 50 48 60 

Dairy products ............................................ 486 349 277 324 327 359 329 368 402 647 

Fresh milk and cream .............................. 174 118 109 131 145 133 132 146 144 221 

Other dairy products ................................ 312 231 168 193 182 227 197 222 259 426 

Fruits and vegetables ................................. 765 576 394 481 460 566 528 546 656 1,020 

Fresh fruits ............................................... 256 186 125 149 152 182 180 186 209 347 

Fresh vegetables ..................................... 248 174 139 147 154 189 170 167 211 334 

Processed fruits ....................................... 138 118 75 96 72 90 81 100 121 187 

Processed vegetables .............................. 123 98 54 89 82 105 97 94 116 153 

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, 2008-2009 — 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 .................................... $1,557 $1,034 $766 $1,051 $1,007 $1,197 $1,017 $1,171 $1,335 $2,065 

Sugar and other sweets ........................... 159 94 73 110 84 131 101 112 136 215 

Fats and oils ............................................. 120 90 69 77 103 101 90 97 107 150 

Miscellaneous foods ................................ 803 571 383 542 489 578 493 625 675 1,082 

Nonalcoholic beverages ........................... 415 256 235 308 313 367 307 311 370 522 

Food prepared by consumer unit on

out-of-town trips ..................................... 60 423 47 414 417 20 26 26 48 96 

Food away from home ................................. 3,174 1,403 750 1,366 968 1,445 1,746 1,899 2,481 4,877 

Alcoholic beverages ....................................... 503 402 403 227 156 259 302 332 368 742 

Housing .......................................................... 19,285 11,471 8,382 9,699 10,129 11,735 13,177 14,249 16,314 26,469 

Shelter .......................................................... 11,493 7,576 4,827 5,557 5,654 6,775 7,813 8,512 9,587 15,860 

Owned dwellings ........................................ 8,350 4,373 1,707 1,994 2,354 3,340 4,593 5,612 6,615 12,716 

Mortgage interest and charges ................ 4,811 2,588 973 1,141 1,052 2,061 2,759 3,415 3,804 7,264 

Property taxes .......................................... 2,240 1,000 431 642 613 856 1,230 1,473 1,770 3,433 

Maintenance, repairs, insurance, other

expenses ................................................ 1,299 785 303 210 688 423 604 724 1,041 2,019 

Rented dwellings ........................................ 2,203 2,886 3,095 3,471 3,262 3,294 3,014 2,633 2,522 1,379 

Other lodging ............................................. 940 4317 425 492 438 141 206 267 450 1,765 

Utilities, fuels, and public services ............... 4,261 2,683 2,440 2,769 2,848 3,290 3,497 3,689 4,094 5,175 

Natural gas ................................................. 588 401 300 342 285 415 466 548 509 748 

Electricity .................................................... 1,570 1,158 1,050 1,216 1,276 1,303 1,366 1,376 1,513 1,820 

Fuel oil and other fuels ............................... 196 483 460 473 460 90 121 132 209 272 

Telephone services .................................... 1,379 673 735 859 896 1,090 1,122 1,189 1,371 1,675 

Water and other public services ................. 528 367 295 279 332 392 423 444 490 660 

Household operations .................................. 964 397 233 307 387 431 429 503 637 1,546 

Personal services ....................................... 252 415 429 444 442 4140 496 106 150 428 

Other household expenses ........................ 712 382 204 263 345 290 333 397 487 1,119 

Housekeeping supplies ................................ 735 317 346 515 498 477 411 408 561 1,071 

Laundry and cleaning supplies .................. 169 99 121 149 98 150 109 118 146 218 

Other household products .......................... 410 160 176 253 233 238 218 204 285 629 

Postage and stationery .............................. 156 58 449 112 167 90 83 87 130 224 

Household furnishings and equipment ......... 1,832 498 536 551 742 763 1,028 1,137 1,434 2,817 

Household textiles ...................................... 163 4131 66 38 37 55 70 76 151 253 

Furniture ..................................................... 395 4121 98 60 333 216 213 221 281 605 

Floor coverings .......................................... 45 42 463 41 43 46 12 11 20 81 

Major appliances ........................................ 213 488 109 44 158 99 168 137 168 304 

Small appliances, miscellaneous

housewares .............................................. 117 25 28 32 47 45 53 65 122 174 

Miscellaneous household equipment ......... 899 131 172 376 164 342 512 628 692 1,399 

Apparel and services ..................................... 2,059 845 1,061 1,275 958 1,032 1,248 1,165 1,545 3,076 

Men and boys .............................................. 465 164 370 301 177 203 320 260 346 691 

Men, 16 and over ....................................... 381 463 320 279 147 143 278 215 273 570 

Boys, 2 to 15 .............................................. 85 100 50 21 31 61 42 46 72 121 

Women and girls .......................................... 876 241 328 423 446 461 479 448 639 1,358 

Women, 16 and over .................................. 738 196 309 361 274 407 400 355 526 1,157 

Girls, 2 to 15 ............................................... 138 445 419 463 171 54 79 93 113 201 

Children under 2 .......................................... 53 434 440 461 429 48 30 45 58 60 

Footwear ...................................................... 382 4232 185 359 192 205 260 263 338 518 

Other apparel products and services ........... 283 175 138 131 114 115 159 149 165 448 

Transportation ................................................ 10,052 3,202 2,400 3,518 3,945 4,813 6,225 6,610 8,963 14,641 

Vehicle purchases (net outlay) ..................... 3,292 4735 4595 41,018 4865 1,175 1,761 1,793 2,614 5,180 

Cars and trucks, new ................................. 1,603 4463 4504 4132 4181 4218 4458 4424 816 2,949 

Cars and trucks, used ................................ 1,583 4272 491 4886 683 957 1,264 1,297 1,729 2,044 

Other vehicles ............................................ 106 3 ( ) 3 ( ) 3 ( ) 3 ( ) 3 ( ) 439 471 468 187 

Gasoline and motor oil ................................. 2,850 1,162 840 1,301 1,413 1,916 2,151 2,324 2,777 3,723 

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, 2008-2009 — 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 ............................... $3,307 $978 $793 $1,097 $1,528 $1,558 $2,046 $2,307 $3,172 $4,717 

Vehicle finance charges ............................. 349 459 475 63 87 182 189 312 373 483 

Maintenance and repairs ........................... 953 288 312 316 421 528 609 666 817 1,369 

Vehicle insurance ....................................... 1,460 4413 4318 4591 4840 4666 979 1,006 1,602 1,994 

Vehicle rental, leases, licenses, and other

charges .................................................... 544 217 88 127 179 182 269 324 380 871 

Public transportation .................................... 603 327 173 103 140 164 269 186 401 1,020 

Healthcare ...................................................... 3,051 1,523 803 1,296 1,351 1,762 2,033 2,262 2,924 4,168 

Health insurance .......................................... 1,605 705 316 825 605 883 1,157 1,209 1,593 2,168 

Medical services .......................................... 850 463 149 804 290 479 429 558 748 1,205 

Drugs ........................................................... 458 291 212 -399 426 356 359 419 440 601 

Medical supplies .......................................... 138 464 4127 65 430 44 88 75 144 195 

Entertainment ................................................. 3,237 1,642 1,056 1,050 1,261 1,685 1,561 1,739 2,409 5,012 

Fees and admissions ................................... 808 400 62 155 146 123 239 255 436 1,462 

Audio and visual equipment and services .... 1,120 559 512 508 663 748 783 825 1,016 1,501 

Pets, toys, hobbies, and playground

equipment .................................................. 820 510 178 282 398 544 413 543 593 1,234 

Other entertainment supplies, equipment,

and services ............................................... 489 4172 4304 106 455 270 125 115 364 815 

Personal care products and services ............. 702 286 183 246 270 413 406 457 593 1,029 

Reading .......................................................... 122 57 28 28 49 44 60 75 92 190 

Education ....................................................... 2,033 4565 4144 326 115 273 624 780 890 3,768 

Tobacco products and smoking supplies ....... 475 626 428 672 434 594 478 501 544 407 

Miscellaneous ................................................ 1,003 292 293 358 351 390 790 764 876 1,433 

Cash contributions ......................................... 2,104 752 169 480 803 775 912 1,006 1,474 3,439 

Personal insurance and pensions .................. 7,753 775 235 586 1,140 1,903 2,979 3,981 5,705 13,120 

Life and other personal insurance ................ 411 4181 69 83 140 139 173 208 281 673 

Pensions and Social Security ...................... 7,343 595 166 503 1,000 1,764 2,806 3,773 5,423 12,448 

Sources of income and personal taxes: 

Money income before taxes ........................... 81,411 -4,592 8,105 12,598 17,488 25,057 34,740 45,017 59,460 135,143 

Wages and salaries ..................................... 72,505 3,744 1,991 5,208 10,390 19,722 28,538 39,188 53,331 122,056 

Self-employment income ............................. 3,726 -9,983 4-96 4287 1,108 670 1,433 1,737 2,378 7,052 

Social Security, private and government

retirement ................................................... 2,335 351 2,215 3,900 3,443 2,727 2,439 2,417 2,098 2,235 

Interest, dividends, rental income, other

property income ......................................... 1,179 235 433 471 253 138 225 299 576 2,227 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 437 487 4466 4762 535 673 600 450 510 319 

Public assistance, supplemental security

income, food stamps .................................. 433 571 2,976 1,763 1,261 663 728 272 182 139 

Regular contributions for support ................. 573 484 4195 402 4223 304 637 508 240 831 

Other income ............................................... 225 4319 4324 4206 4276 160 140 147 146 285 

Personal taxes ............................................... 3,411 647 -218 -377 -297 -130 404 700 1,546 6,801 

Federal income taxes ................................... 2,747 649 -231 -280 -167 -25 404 673 1,315 5,389 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -411 4-176 4-55 4-153 4-221 -321 -339 -438 -432 -496 

State and local income taxes ....................... 813 59 20 -6 41 137 210 301 464 1,492 

Other taxes .................................................. 262 115 449 62 51 79 128 163 199 416 

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, 2008-2009 — 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 ......................................... 78,001 -5,239 8,323 12,975 17,785 25,187 34,336 44,318 57,914 128,342 

Addenda:

Net change in total assets and liabilities ........ - $6,885 - $11,300 $1,979 - $1,574 - $4,630 $1,513 - $3,850 - $5,148 - $6,147 - $10,471 

Net change in total assets ............................ 6,003 -4,599 3,052 -484 -3,844 4,310 1,535 2,518 2,904 10,996 

Net change in total liabilities ........................ 12,887 6,700 1,073 1,090 785 2,797 5,385 7,666 9,051 21,467 

Other financial information:

Other money receipts ................................... 553 4534 4318 4414 469 306 267 396 293 842 

Mortgage principal paid on owned property -3,321 -1,327 -390 -501 -552 -1,025 -1,527 -1,835 -2,400 -5,426 

Estimated market value of owned home ...... 197,975 96,735 45,298 57,220 66,517 75,069 101,910 121,219 162,323 302,630 

Estimated monthly rental value of owned

home .......................................................... 1,025 519 242 356 393 469 647 736 877 1,484 

Gifts of goods and services ............................ 1,846 507 527 606 201 538 575 880 1,107 3,179 

Food ............................................................. 149 419 411 49 46 39 56 57 70 274 

Alcoholic beverages ..................................... 10 43 411 3 ( ) 2 ( ) 43 45 42 5 18 

Housing ........................................................ 342 107 441 238 65 179 134 151 198 567 

Housekeeping supplies .............................. 36 47 42 463 47 48 14 13 29 58 

Household textiles ...................................... 22 3 ( ) 41 414 2 ( ) 49 43 43 45 44 

Appliances and miscellaneous

housewares .............................................. 28 3 ( ) 3 ( ) 48 41 412 48 417 17 48 

Major appliances ...................................... 7 3 ( ) 3 ( ) 3 ( ) 3 ( ) 45 44 3 ( ) 45 12 

Small appliances and miscellaneous

housewares ............................................ 21 3 ( ) 3 ( ) 48 41 47 44 417 413 36 

Miscellaneous household equipment ......... 78 3 ( ) 45 478 42 437 419 431 45 134 

Other housing ............................................ 178 101 433 75 455 113 91 86 102 283 

Apparel and services ................................... 289 125 4140 228 74 137 169 164 271 414 

Males, 2 and over ...................................... 63 425 464 410 412 30 34 34 55 95 

Females, 2 and over .................................. 127 444 41 482 434 45 79 54 120 193 

Children under 2 ........................................ 44 411 439 460 426 34 25 40 49 51 

Other apparel products and services ......... 55 445 435 476 42 428 432 436 47 75 

Jewelry and watches ................................ 12 424 3 ( ) 49 2 ( ) 410 44 42 414 17 

All other apparel products and services ... 42 421 435 468 42 418 428 434 32 58 

Transportation .............................................. 124 20 4238 8 12 37 19 87 93 194 

Healthcare .................................................... 38 438 48 41 46 419 415 454 22 56 

Entertainment ............................................... 87 432 428 411 416 452 34 75 53 139 

Toys, games, arts and crafts, and tricycles 25 3 ( ) 47 3 ( ) 414 441 47 430 422 32 

Other entertainment ................................... 62 432 420 411 41 11 27 46 32 106 

Personal care products and services ........... 13 41 3 ( ) 43 3 ( ) 10 14 42 43 23 

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

Education ..................................................... 698 4126 433 464 46 448 4100 247 313 1,336 

All other gifts ................................................ 95 435 418 44 416 14 28 41 79 158 

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