Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2007-2008

Item

Total

35-44

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) ....... 23,125 522 515 749 828 2,173 2,245 2,262 4,111 9,718 

Consumer unit characteristics: 

Income before taxes ..................................... $77,055 - $3,021 $8,321 $12,894 $17,513 $24,978 $34,831 $44,614 $59,530 $131,382 

Income after taxes ........................................ 74,854 -3,274 8,522 13,409 17,906 25,563 35,292 44,500 58,904 126,128 

Age of reference person ................................ 39.6 39.8 39.9 39.6 39.5 39.6 39.4 39.4 39.6 39.7 

Average number in consumer unit:

Persons ........................................................ 3.3 2.5 2.1 2.6 2.7 2.9 3.0 3.1 3.3 3.7 

Children under 18 ........................................ 1.3 1.1 .8 1.2 1.2 1.2 1.3 1.2 1.3 1.5 

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

Earners ........................................................ 1.6 .6 .5 .9 1.0 1.3 1.4 1.6 1.8 2.0 

Vehicles ....................................................... 2.1 1.1 .8 1.2 1.2 1.5 1.6 1.9 2.3 2.7 

Percent distribution:

Sex of reference person:

Male ............................................................. 46 42 38 33 32 39 45 45 49 50 

Female ......................................................... 54 58 62 67 68 61 55 55 51 50 

Housing tenure:

Homeowner .................................................. 68 37 20 27 32 44 48 59 70 89 

With mortgage ............................................ 59 27 13 14 19 32 36 48 62 83 

Without mortgage ....................................... 9 10 7 14 13 12 13 11 8 6 

Renter .......................................................... 32 63 80 73 68 56 52 41 30 11 

Race of reference person:

Black or African-American ........................... 14 26 25 22 19 19 19 19 13 8 

White, Asian, and all other races ................. 86 74 75 78 81 81 81 81 87 92 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 16 17 20 26 29 29 22 18 16 9 

Not Hispanic or Latino .................................. 84 83 80 74 71 71 78 82 84 91 

Education of reference person:

Elementary (1-8) .......................................... 4 8 13 11 8 8 6 4 3 1 

High school (9-12) ........................................ 32 45 57 48 49 51 44 39 36 18 

College ......................................................... 64 47 28 41 43 40 50 56 61 81 

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

At least one vehicle owned or leased ............ 92 62 57 73 76 86 89 94 96 98 

Average annual expenditures .......................... $58,872 $26,684 $18,775 $22,137 $25,631 $31,005 $36,212 $42,152 $51,853 $86,861 

Food ............................................................... 7,619 4,128 2,929 3,683 4,314 4,665 5,542 6,129 6,991 10,454

Food at home ............................................... 4,315 2,593 2,082 2,623 3,081 2,978 3,554 3,767 4,033 5,513 

Cereals and bakery products ..................... 584 329 240 338 406 361 471 508 556 760 

Cereals and cereal products .................... 195 132 74 124 148 127 173 166 179 249 

Bakery products ....................................... 389 197 167 214 259 235 297 342 377 510 

Meats, poultry, fish, and eggs .................... 995 649 517 587 799 771 963 967 928 1,184 

Beef .......................................................... 286 120 124 150 214 201 247 287 275 353 

Pork .......................................................... 190 149 126 131 165 179 192 190 196 203 

Other meats ............................................. 128 80 67 80 82 84 147 112 128 153 

Poultry ...................................................... 188 167 95 110 151 154 207 172 174 217 

Fish and seafood ..................................... 148 97 59 78 137 104 111 153 104 199 

Eggs ......................................................... 54 35 47 38 50 49 59 53 52 59 

Dairy products ............................................ 488 294 228 333 305 296 393 421 457 638 

Fresh milk and cream .............................. 200 128 127 153 125 131 193 176 183 251 

Other dairy products ................................ 287 166 101 181 180 164 200 245 274 387 

Fruits and vegetables ................................. 715 428 314 471 489 490 573 608 653 930 

Fresh fruits ............................................... 243 122 98 149 148 155 177 208 216 329 

Fresh vegetables ..................................... 229 172 101 157 157 170 184 188 209 293 

Processed fruits ....................................... 128 55 59 95 86 86 105 106 113 170 

Processed vegetables .............................. 115 79 57 71 99 79 107 106 114 138 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2007-2008 — Continued

Item

Total

35-44

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 .................................... $1,534 $893 $782 $894 $1,082 $1,059 $1,155 $1,264 $1,439 $2,002 

Sugar and other sweets ........................... 152 88 70 89 115 101 96 144 132 203 

Fats and oils ............................................. 110 58 58 65 87 86 97 104 101 134 

Miscellaneous foods ................................ 815 475 357 469 576 569 587 627 779 1,077 

Nonalcoholic beverages ........................... 406 260 291 266 289 290 347 355 390 503 

Food prepared by consumer unit on

out-of-town trips ..................................... 51 412 47 44 414 13 28 33 36 85 

Food away from home ................................. 3,304 1,535 847 1,060 1,233 1,687 1,988 2,362 2,957 4,942 

Alcoholic beverages ....................................... 466 315 4123 79 185 229 320 216 443 706 

Housing .......................................................... 20,802 11,732 8,468 9,707 10,340 12,067 13,523 15,544 17,878 29,801 

Shelter .......................................................... 12,724 7,562 5,200 5,820 6,395 7,405 8,161 9,362 11,019 18,219

Owned dwellings ........................................ 9,145 3,877 1,268 1,616 1,928 3,143 3,627 5,121 7,504 15,289 

Mortgage interest and charges ................ 6,217 2,725 747 1,008 1,275 2,149 2,448 3,422 5,218 10,371 

Property taxes .......................................... 1,957 970 329 379 413 638 816 1,095 1,540 3,285 

Maintenance, repairs, insurance, other

expenses ................................................ 971 4183 4192 229 240 356 363 604 746 1,632 

Rented dwellings ........................................ 2,930 3,535 3,845 4,185 4,368 4,145 4,280 3,890 3,156 1,727 

Other lodging ............................................. 649 4150 487 419 499 117 254 352 359 1,204 

Utilities, fuels, and public services ............... 4,028 2,494 2,148 2,568 2,534 3,039 3,263 3,662 3,944 4,968 

Natural gas ................................................. 561 303 229 267 240 372 420 489 517 753 

Electricity .................................................... 1,514 1,018 891 1,124 1,111 1,237 1,273 1,383 1,480 1,800 

Fuel oil and other fuels ............................... 149 426 443 490 447 79 107 116 104 228 

Telephone services .................................... 1,305 900 765 804 866 1,023 1,118 1,263 1,328 1,537 

Water and other public services ................. 499 247 220 282 270 328 345 411 515 651 

Household operations .................................. 1,399 376 207 333 329 402 600 612 878 2,502 

Personal services ....................................... 806 4112 453 4119 4139 167 295 252 458 1,529 

Other household expenses ........................ 594 264 154 214 190 235 305 360 419 973 

Housekeeping supplies ................................ 655 276 281 385 396 361 473 511 594 913 

Laundry and cleaning supplies .................. 178 65 135 157 144 127 204 190 151 207 

Other household products .......................... 352 134 132 184 209 154 195 240 341 516 

Postage and stationery .............................. 125 77 414 44 43 80 74 81 102 191 

Household furnishings and equipment ......... 1,996 1,024 632 601 686 860 1,026 1,396 1,444 3,199 

Household textiles ...................................... 137 470 422 59 54 37 54 82 90 236 

Furniture ..................................................... 553 357 289 269 140 204 327 247 378 910 

Floor coverings .......................................... 48 418 46 46 46 45 19 40 37 82 

Major appliances ........................................ 245 201 118 434 141 115 149 116 210 375 

Small appliances, miscellaneous

housewares .............................................. 103 28 22 28 29 53 48 102 76 161 

Miscellaneous household equipment ......... 910 350 177 205 316 446 430 810 653 1,435 

Apparel and services ..................................... 2,286 1,364 725 700 921 1,260 1,471 1,488 1,776 3,495 

Men and boys .............................................. 602 345 188 178 194 258 335 310 489 968 

Men, 16 and over ....................................... 427 244 4129 485 98 150 196 182 367 711 

Boys, 2 to 15 .............................................. 175 101 59 92 96 108 138 128 122 256 

Women and girls .......................................... 840 517 245 270 356 467 586 565 643 1,271 

Women, 16 and over .................................. 596 431 188 195 228 345 403 348 453 915 

Girls, 2 to 15 ............................................... 244 86 457 75 129 122 182 217 190 356 

Children under 2 .......................................... 122 467 442 458 415 82 77 76 121 175 

Footwear ...................................................... 401 4263 4137 440 199 300 350 369 346 535 

Other apparel products and services ........... 321 172 113 154 157 153 124 168 176 546 

Transportation ................................................ 10,182 3,683 2,875 3,864 4,691 5,666 6,622 7,625 10,242 14,288 

Vehicle purchases (net outlay) ..................... 3,659 4657 4555 41,243 1,360 1,834 2,273 2,563 3,887 5,254 

Cars and trucks, new ................................. 1,691 2 ( ) 2 ( ) 2 ( ) 4387 4516 4482 41,054 1,332 2,954 

Cars and trucks, used ................................ 1,834 4612 4555 1,243 848 1,275 1,661 1,456 2,482 2,075 

Other vehicles ............................................ 135 445 2 ( ) 2 ( ) 4125 443 4131 453 473 225 

Gasoline and motor oil ................................. 3,105 1,618 1,300 1,503 1,738 2,119 2,280 2,663 3,281 3,961 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2007-2008 — Continued

Item

Total

35-44

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 ............................... $2,883 $1,246 $922 $958 $1,356 $1,529 $1,819 $2,108 $2,729 $4,158 

Vehicle finance charges ............................. 398 173 471 154 102 182 249 314 409 570 

Maintenance and repairs ........................... 778 276 440 235 377 505 585 624 725 1,065 

Vehicle insurance ....................................... 1,137 4603 4293 4456 4685 672 4699 826 1,163 1,577 

Vehicle rental, leases, licenses, and other

charges .................................................... 569 193 117 113 192 169 286 343 432 946 

Public transportation .................................... 535 162 98 160 237 184 250 292 344 915 

Healthcare ...................................................... 2,406 1,292 755 775 961 1,133 1,500 1,873 2,376 3,434 

Health insurance .......................................... 1,304 725 244 484 565 571 812 1,112 1,263 1,858 

Medical services .......................................... 680 358 265 97 202 302 391 447 727 992 

Drugs ........................................................... 326 155 203 175 164 200 234 251 303 444 

Medical supplies .......................................... 96 453 444 418 431 60 62 64 83 141 

Entertainment ................................................. 3,577 1,524 814 1,035 1,160 1,407 1,826 2,200 2,766 5,810 

Fees and admissions ................................... 896 288 134 110 173 139 330 406 542 1,658 

Audio and visual equipment and services .... 1,182 668 400 441 621 676 826 910 1,256 1,586 

Pets, toys, hobbies, and playground

equipment .................................................. 860 331 212 289 266 347 423 375 546 1,490 

Other entertainment supplies, equipment,

and services ............................................... 640 238 468 195 100 246 248 510 421 1,076 

Personal care products and services ............. 694 338 226 245 316 358 420 513 599 1,029 

Reading .......................................................... 105 37 31 33 29 47 46 65 81 170 

Education ....................................................... 885 386 4293 237 260 265 368 339 583 1,561 

Tobacco products and smoking supplies ....... 366 371 430 472 450 411 415 431 427 285 

Miscellaneous ................................................ 853 229 190 175 454 440 466 582 896 1,237 

Cash contributions ......................................... 1,560 717 587 395 399 543 831 1,244 1,341 2,408 

Personal insurance and pensions .................. 7,071 568 329 738 1,151 2,514 2,862 3,902 5,454 12,183 

Life and other personal insurance ................ 285 481 437 440 60 71 123 165 213 490 

Pensions and Social Security ...................... 6,786 486 291 698 1,091 2,443 2,740 3,737 5,241 11,693 

Sources of income and personal taxes: 

Money income before taxes ........................... 77,055 -3,021 8,321 12,894 17,513 24,978 34,831 44,614 59,530 131,382 

Wages and salaries ..................................... 70,243 3,075 2,984 7,731 11,857 20,837 30,911 40,594 55,310 120,563 

Self-employment income ............................. 3,795 4-7,558 4105 4321 4691 899 1,316 1,369 2,138 7,619 

Social Security, private and government

retirement ................................................... 856 4205 1,254 1,664 1,795 1,176 837 789 678 751 

Interest, dividends, rental income, other

property income ......................................... 753 79 4109 472 450 105 81 248 275 1,555 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 200 443 4205 4217 4223 201 242 327 242 149 

Public assistance, supplemental security

income, food stamps .................................. 435 550 2,621 1,791 2,078 1,025 421 259 190 85 

Regular contributions for support ................. 583 4129 4360 715 687 538 802 870 503 526 

Other income ............................................... 189 4456 4683 4383 4132 197 222 159 193 134 

Personal taxes ............................................... 2,201 253 -200 -515 -393 -586 -461 114 626 5,254 

Federal income taxes ................................... 1,885 658 -99 -379 -198 -390 -168 141 713 4,293 

2008 Tax stimulus (new UCC Q20082) ....... -502 4-409 4-138 4-170 4-294 -327 -470 -383 -551 -623 

State and local income taxes ....................... 636 -15 22 12 46 97 118 241 345 1,256 

Other taxes .................................................. 183 418 415 422 54 35 59 115 119 328 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2007-2008 — Continued

Item

Total

35-44

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 ......................................... 74,854 -3,274 8,522 13,409 17,906 25,563 35,292 44,500 58,904 126,128 

Addenda:

Net change in total assets and liabilities ........ - $8,289 - $966 - $104 - $5,564 $960 - $1,783 - $10,179 - $2,845 - $1,099 - $15,442 

Net change in total assets ............................ 11,265 -195 5,195 965 260 4,696 1,115 7,044 9,012 19,682 

Net change in total liabilities ........................ 19,554 771 5,299 6,530 -700 6,479 11,294 9,889 10,111 35,124 

Other financial information:

Other money receipts ................................... 314 4938 4759 4241 412 4707 70 361 223 285 

Mortgage principal paid on owned property -3,087 -1,320 -639 -365 -548 -935 -845 -1,634 -2,169 -5,464 

Estimated market value of owned home ...... 186,413 96,793 28,481 32,965 43,331 63,644 77,939 106,061 148,659 310,807 

Estimated monthly rental value of owned

home .......................................................... 988 487 175 229 279 395 480 616 828 1,581 

Gifts of goods and services ............................ 831 422 342 254 156 415 429 536 811 1,248 

Food ............................................................. 62 43 2 ( ) 420 410 25 28 40 59 100 

Alcoholic beverages ..................................... 11 410 2 ( ) 3 ( ) 43 46 2 ( ) 3 6 22 

Housing ........................................................ 163 452 461 453 444 116 118 71 148 244 

Housekeeping supplies .............................. 24 42 2 ( ) 44 43 410 17 48 20 40 

Household textiles ...................................... 8 3 ( ) 2 ( ) 3 ( ) 44 43 41 42 415 11 

Appliances and miscellaneous

housewares .............................................. 14 2 ( ) 2 ( ) 3 ( ) 42 43 46 45 9 26 

Major appliances ...................................... 4 2 ( ) 2 ( ) 2 ( ) 3 ( ) 42 45 2 ( ) 42 8 

Small appliances and miscellaneous

housewares ............................................ 9 2 ( ) 2 ( ) 3 ( ) 42 41 41 45 47 18 

Miscellaneous household equipment ......... 49 41 413 42 412 435 435 422 42 77 

Other housing ............................................ 69 449 448 447 423 65 60 34 62 91 

Apparel and services ................................... 218 247 231 58 53 134 162 238 166 291 

Males, 2 and over ...................................... 49 444 470 411 46 24 40 45 32 71 

Females, 2 and over .................................. 60 464 471 416 420 34 36 71 49 80 

Children under 2 ........................................ 58 434 48 426 410 47 47 37 48 83 

Other apparel products and services ......... 50 4105 482 45 417 429 439 85 37 56 

Jewelry and watches ................................ 21 2 ( ) 48 42 417 46 410 427 17 31 

All other apparel products and services ... 29 4105 474 42 2 ( ) 424 429 458 420 25 

Transportation .............................................. 70 47 414 17 43 27 27 26 44 126 

Healthcare .................................................... 12 2 ( ) 42 47 413 44 47 49 46 20 

Entertainment ............................................... 86 479 46 480 415 425 40 43 69 139 

Toys, games, arts and crafts, and tricycles 36 470 2 ( ) 464 43 48 426 423 426 53 

Other entertainment ................................... 50 49 46 417 413 17 14 20 44 87 

Personal care products and services ........... 18 412 43 2 ( ) 44 45 43 45 19 31 

Reading ........................................................ 1 42 2 ( ) 2 ( ) 3 ( ) 2 ( ) 3 ( ) 3 ( ) 2 1 

Education ..................................................... 92 42 43 46 43 425 422 424 147 140 

All other gifts ................................................ 98 48 422 413 46 48 20 76 145 135 

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