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

characteristics, Consumer Expenditure Survey, 2009-2010

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) ....... 25,247 651 764 955 1,006 2,170 2,343 2,247 4,041 11,070 

Consumer unit characteristics: 

Income before taxes ..................................... $80,288 - $11,450 $8,130 $12,404 $17,621 $24,909 $34,765 $44,966 $59,327 $137,522 

Income after taxes ........................................ 76,868 -12,940 8,421 12,629 17,691 25,060 34,221 44,160 57,878 130,543 

Age of reference person ................................ 49.5 50.0 49.6 49.9 49.6 49.4 49.3 49.5 49.4 49.5 

Average number in consumer unit:

Persons ........................................................ 2.8 2.0 1.7 1.8 2.3 2.4 2.5 2.5 2.8 3.2 

Children under 18 ........................................ .6 .4 .4 .2 .5 .5 .6 .5 .6 .8 

Persons 65 and older ................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) .1 .1 .0 .1 1 ( )

Earners ........................................................ 1.7 .5 .5 .6 .9 1.2 1.3 1.5 1.7 2.1 

Vehicles ....................................................... 2.3 1.2 .8 1.1 1.3 1.5 1.8 2.1 2.4 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 53 41 40 38 41 41 50 45 55 

Female ......................................................... 51 47 59 60 62 59 59 50 55 45 

Housing tenure:

Homeowner .................................................. 73 42 32 41 45 51 61 69 76 90 

With mortgage ............................................ 55 24 19 18 23 33 42 50 58 72 

Without mortgage ....................................... 19 18 14 24 22 18 19 19 18 19 

Renter .......................................................... 27 58 68 59 55 49 39 31 24 10 

Race of reference person:

Black or African-American ........................... 13 20 29 20 24 19 17 14 13 7 

White, Asian, and all other races ................. 87 80 71 80 76 81 83 86 87 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 12 12 13 18 17 20 16 13 11 8 

Not Hispanic or Latino .................................. 88 88 87 82 83 80 84 87 89 92 

Education of reference person:

Elementary (1-8) .......................................... 3 5 6 7 9 7 4 4 3 1 

High school (9-12) ........................................ 35 43 54 56 54 54 43 40 38 23 

College ......................................................... 61 52 38 37 36 38 52 56 59 76 

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

At least one vehicle owned or leased ............ 92 64 58 71 81 87 91 96 96 98 

Average annual expenditures .......................... $58,243 $26,735 $17,696 $21,835 $24,583 $29,691 $36,339 $40,155 $47,601 $87,124 

Food ............................................................... 7,336 3,755 2,859 3,597 3,750 4,740 4,980 5,359 6,316 10,384

Food at home ............................................... 4,357 2,564 2,184 2,595 2,790 3,402 3,064 3,371 3,749 5,839 

Cereals and bakery products ..................... 593 377 313 372 346 467 416 464 500 795 

Cereals and cereal products .................... 194 136 111 119 139 157 137 145 164 256 

Bakery products ....................................... 399 241 203 253 207 310 278 319 336 539 

Meats, poultry, fish, and eggs .................... 972 569 512 603 690 770 730 819 866 1,255 

Beef .......................................................... 263 141 133 143 206 237 182 229 239 335 

Pork .......................................................... 189 161 107 126 152 162 160 160 174 229 

Other meats ............................................. 138 66 91 98 103 96 88 111 138 179 

Poultry ...................................................... 175 84 69 126 105 117 136 165 144 234 

Fish and seafood ..................................... 155 74 83 74 85 110 121 112 123 217 

Eggs ......................................................... 51 42 29 37 40 48 44 43 49 61 

Dairy products ............................................ 459 284 236 272 289 345 313 359 394 619 

Fresh milk and cream .............................. 160 96 82 111 128 128 126 140 142 201 

Other dairy products ................................ 299 187 154 161 161 216 187 219 252 418 

Fruits and vegetables ................................. 785 489 371 452 449 608 519 538 663 1,087 

Fresh fruits ............................................... 262 138 109 125 161 206 172 171 204 375 

Fresh vegetables ..................................... 249 159 119 137 137 190 156 172 221 344 

Processed fruits ....................................... 135 93 63 86 78 99 88 77 110 192 

Processed vegetables .............................. 139 99 80 105 73 114 103 118 128 177 

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, 2009-2010 — 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 .................................... $1,548 $845 $752 $896 $1,016 $1,212 $1,087 $1,190 $1,325 $2,083 

Sugar and other sweets ........................... 166 69 70 99 100 135 116 128 148 223 

Fats and oils ............................................. 121 91 49 64 74 104 92 105 96 159 

Miscellaneous foods ................................ 794 434 386 430 530 582 546 565 682 1,092 

Nonalcoholic beverages ........................... 412 236 241 296 301 378 304 366 351 518 

Food prepared by consumer unit on

out-of-town trips ..................................... 55 315 36 37 310 13 29 27 49 90 

Food away from home ................................. 2,979 1,191 674 1,001 960 1,338 1,916 1,989 2,567 4,545 

Alcoholic beverages ....................................... 457 258 223 206 115 180 342 260 388 693 

Housing .......................................................... 18,951 11,761 8,271 9,175 10,134 11,702 13,069 14,536 16,524 26,239 

Shelter .......................................................... 11,436 8,138 4,990 5,609 5,598 6,919 7,544 8,700 9,986 15,901 

Owned dwellings ........................................ 8,128 4,848 1,554 2,101 1,995 3,234 4,267 5,409 6,780 12,672 

Mortgage interest and charges ................ 4,672 3,410 870 1,200 1,108 1,916 2,426 3,230 3,993 7,189 

Property taxes .......................................... 2,295 920 416 591 566 882 1,215 1,426 1,821 3,666 

Maintenance, repairs, insurance, other

expenses ................................................ 1,160 519 268 310 322 436 626 753 965 1,817 

Rented dwellings ........................................ 2,430 2,994 3,191 3,436 3,501 3,518 3,111 2,975 2,716 1,589 

Other lodging ............................................. 878 3296 3245 371 3102 168 165 316 490 1,641 

Utilities, fuels, and public services ............... 4,245 2,663 2,378 2,530 3,008 3,313 3,514 3,669 4,114 5,228 

Natural gas ................................................. 529 349 213 260 300 378 404 442 466 703 

Electricity .................................................... 1,587 1,132 1,061 1,155 1,331 1,372 1,390 1,435 1,545 1,841 

Fuel oil and other fuels ............................... 165 393 363 354 340 91 93 93 186 233 

Telephone services .................................... 1,413 709 726 773 979 1,089 1,188 1,239 1,413 1,743 

Water and other public services ................. 551 382 315 288 358 384 440 460 504 708 

Household operations .................................. 950 432 232 248 318 346 436 572 656 1,559 

Personal services ....................................... 223 312 325 311 324 354 374 3104 121 411 

Other household expenses ........................ 727 420 207 236 294 292 362 468 535 1,148 

Housekeeping supplies ................................ 676 231 331 357 435 477 421 425 567 969 

Laundry and cleaning supplies .................. 168 82 122 131 115 147 117 131 149 216 

Other household products .......................... 362 104 165 142 193 245 222 198 292 543 

Postage and stationery .............................. 146 44 344 84 127 85 82 96 126 210 

Household furnishings and equipment ......... 1,645 296 340 432 775 647 1,154 1,170 1,201 2,581 

Household textiles ...................................... 122 38 14 34 40 62 101 89 99 185 

Furniture ..................................................... 350 349 37 68 371 165 284 207 256 528 

Floor coverings .......................................... 38 38 33 32 33 39 14 345 13 66 

Major appliances ........................................ 210 394 84 66 121 81 132 173 178 307 

Small appliances, miscellaneous

housewares .............................................. 107 24 23 30 60 52 61 77 108 157 

Miscellaneous household equipment ......... 818 113 180 232 181 278 562 579 548 1,338 

Apparel and services ..................................... 1,927 576 1,100 442 1,010 1,352 1,554 1,244 1,409 2,835 

Men and boys .............................................. 456 89 383 43 277 316 374 305 312 673 

Men, 16 and over ....................................... 375 351 352 322 240 267 322 260 248 550 

Boys, 2 to 15 .............................................. 81 38 31 21 37 48 52 45 64 123 

Women and girls .......................................... 806 197 326 176 340 536 684 471 566 1,228 

Women, 16 and over .................................. 688 183 309 150 222 470 613 388 491 1,045 

Girls, 2 to 15 ............................................... 118 314 317 326 119 66 71 83 75 183 

Children under 2 .......................................... 54 318 317 335 322 58 49 52 63 62 

Footwear ...................................................... 356 3141 3280 376 226 307 301 263 312 472 

Other apparel products and services ........... 255 132 94 112 144 136 146 153 156 400 

Transportation ................................................ 9,330 3,552 1,921 2,981 3,996 4,442 6,240 6,895 7,870 13,875 

Vehicle purchases (net outlay) ..................... 3,138 3812 3319 3711 1,165 838 2,049 2,029 2,042 5,164 

Cars and trucks, new ................................. 1,550 3448 4 ( ) 3112 3545 3103 3347 3430 704 3,011 

Cars and trucks, used ................................ 1,527 3364 3319 599 620 735 1,665 1,432 1,294 2,072 

Other vehicles ............................................ 61 4 ( ) 4 ( ) 4 ( ) 4 ( ) 4 ( ) 337 3167 343 81 

Gasoline and motor oil ................................. 2,486 1,077 820 1,188 1,361 1,764 1,904 2,137 2,530 3,217 

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, 2009-2010 — 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 ............................... $3,110 $1,413 $678 $937 $1,316 $1,647 $2,057 $2,479 $2,939 $4,448 

Vehicle finance charges ............................. 316 359 337 66 79 144 187 284 306 463 

Maintenance and repairs ........................... 937 262 298 336 503 515 671 823 775 1,336 

Vehicle insurance ....................................... 1,332 3907 3269 3440 3531 801 967 1,069 1,513 1,768 

Vehicle rental, leases, licenses, and other

charges .................................................... 525 185 74 94 203 186 232 304 345 881 

Public transportation .................................... 597 249 104 145 155 191 230 250 359 1,046 

Healthcare ...................................................... 3,217 1,421 650 1,877 1,429 1,747 2,329 2,522 3,035 4,462 

Health insurance .......................................... 1,717 638 423 746 661 895 1,289 1,389 1,743 2,359 

Medical services .......................................... 870 501 82 558 379 448 550 639 724 1,268 

Drugs ........................................................... 491 252 128 542 359 351 398 402 428 628 

Medical supplies .......................................... 138 330 318 331 30 52 92 92 139 208 

Entertainment ................................................. 3,130 1,768 823 953 1,225 1,383 1,650 1,917 2,255 4,972 

Fees and admissions ................................... 795 475 109 104 122 136 241 290 430 1,469 

Audio and visual equipment and services .... 1,045 612 469 552 654 642 824 851 939 1,393 

Pets, toys, hobbies, and playground

equipment .................................................. 794 414 210 260 380 503 431 633 655 1,167 

Other entertainment supplies, equipment,

and services ............................................... 496 3267 335 37 370 101 154 142 230 942 

Personal care products and services ............. 670 242 178 182 259 369 411 489 576 999 

Reading .......................................................... 112 91 23 22 40 37 57 72 80 179 

Education ....................................................... 2,074 3643 3400 208 137 242 542 570 823 4,059 

Tobacco products and smoking supplies ....... 481 531 424 626 492 591 557 535 562 391 

Miscellaneous ................................................ 994 439 294 444 290 356 788 766 876 1,449 

Cash contributions ......................................... 1,902 761 262 589 539 775 895 976 1,421 3,118 

Personal insurance and pensions .................. 7,661 937 268 535 1,166 1,776 2,925 4,015 5,469 13,468 

Life and other personal insurance ................ 434 3227 67 79 171 125 203 208 278 739 

Pensions and Social Security ...................... 7,227 709 201 456 995 1,652 2,722 3,807 5,191 12,728 

Sources of income and personal taxes: 

Money income before taxes ........................... 80,288 -11,450 8,130 12,404 17,621 24,909 34,765 44,966 59,327 137,522 

Wages and salaries ..................................... 71,377 3,674 2,412 4,937 10,434 18,055 28,347 38,677 53,026 124,281 

Self-employment income ............................. 3,710 -16,814 3-128 3114 947 1,077 1,409 1,728 2,272 7,673 

Social Security, private and government

retirement ................................................... 2,255 334 2,007 3,513 3,423 3,028 2,268 2,281 1,896 2,141 

Interest, dividends, rental income, other

property income ......................................... 1,054 83 3108 3198 3123 95 221 404 618 1,991 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 783 3146 585 1,136 818 1,066 1,183 1,023 890 573 

Public assistance, supplemental security

income, food stamps .................................. 506 736 2,567 1,891 1,466 1,026 666 382 228 135 

Regular contributions for support ................. 372 3125 3221 297 3199 405 560 336 236 430 

Other income ............................................... 230 3266 3359 3317 3212 158 3110 134 160 298 

Personal taxes ............................................... 3,420 1,491 -292 -224 -70 -150 543 806 1,449 6,980 

Federal income taxes ................................... 2,410 1,325 -322 -225 -130 -300 222 382 942 5,063 

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

State and local income taxes ....................... 805 104 -9 -17 24 90 214 313 381 1,563 

Other taxes .................................................. 206 63 39 18 36 62 108 112 126 355 

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, 2009-2010 — 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 ......................................... 76,868 -12,940 8,421 12,629 17,691 25,060 34,221 44,160 57,878 130,543 

Addenda:

Net change in total assets and liabilities ........ - $7,308 - $580 - $1,400 - $1,459 - $644 $1,457 - $4,076 - $324 - $7,735 - $12,886 

Net change in total assets ............................ 4,424 -1,291 -546 -221 781 2,159 1,852 2,872 5,855 6,615 

Net change in total liabilities ........................ 11,732 -710 855 1,238 1,424 702 5,928 3,196 13,590 19,501 

Other financial information:

Other money receipts ................................... 582 3220 31,954 3435 336 671 492 407 269 722 

Mortgage principal paid on owned property -3,131 -1,314 -474 -482 -829 -961 -1,360 -1,951 -2,431 -5,155 

Estimated market value of owned home ...... 191,157 95,241 39,363 56,035 55,158 78,287 98,642 118,874 154,485 301,050 

Estimated monthly rental value of owned

home .......................................................... 1,017 519 262 354 344 472 634 737 866 1,516 

Gifts of goods and services ............................ 1,638 305 207 317 392 359 661 673 927 2,968 

Food ............................................................. 153 316 36 316 17 34 44 66 90 284 

Alcoholic beverages ..................................... 7 4 ( ) 4 ( ) 310 2 ( ) 35 33 31 9 10 

Housing ........................................................ 256 87 334 83 120 93 105 118 170 433 

Housekeeping supplies .............................. 30 37 4 ( ) 337 365 34 310 15 31 41 

Household textiles ...................................... 10 4 ( ) 31 38 2 ( ) 35 32 36 36 17 

Appliances and miscellaneous

housewares .............................................. 21 31 4 ( ) 33 33 39 37 310 24 33 

Major appliances ...................................... 6 4 ( ) 4 ( ) 4 ( ) 4 ( ) 33 33 4 ( ) 9 9 

Small appliances and miscellaneous

housewares ............................................ 15 31 4 ( ) 33 33 36 33 310 316 24 

Miscellaneous household equipment ......... 48 4 ( ) 313 310 35 39 322 27 26 86 

Other housing ............................................ 148 379 320 326 47 66 65 62 82 256 

Apparel and services ................................... 256 40 67 81 126 122 316 172 237 353 

Males, 2 and over ...................................... 54 314 317 33 317 22 47 39 46 82 

Females, 2 and over .................................. 105 35 31 331 56 42 186 36 75 155 

Children under 2 ........................................ 44 318 317 335 21 36 34 41 57 51 

Other apparel products and services ......... 52 34 333 312 331 321 349 356 60 65 

Jewelry and watches ................................ 15 34 31 38 2 ( ) 31 35 325 329 17 

All other apparel products and services ... 36 4 ( ) 332 34 331 320 345 331 31 48 

Transportation .............................................. 122 20 31 18 14 13 24 82 108 211 

Health care ................................................... 33 31 38 34 4 ( ) 312 310 348 31 50 

Entertainment ............................................... 90 33 357 310 39 332 26 79 41 159 

Toys, games, arts and crafts, and tricycles 27 4 ( ) 338 33 35 315 39 314 39 47 

Other entertainment ................................... 64 33 319 38 34 317 17 65 32 112 

Personal care products and services ........... 14 312 4 ( ) 32 32 33 11 33 6 25 

Reading ........................................................ 1 4 ( ) 4 ( ) 2 ( ) 31 31 2 ( ) 2 ( ) 4 ( ) 1 

Education ..................................................... 618 3104 326 342 33 32 67 50 184 1,300 

All other gifts ................................................ 88 322 39 52 100 12 54 53 51 142 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2011