Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

Number of consumer units (in thousands) .................................................... 22,666 2,007 1,933 1,437 1,498 2,721 3,706 9,365 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $108,249 $6,425 $22,507 $34,830 $44,634 $59,513 $83,623 $193,106 

 Income after taxes ...................................................................................... 91,293 6,689 23,398 34,725 43,142 55,203 75,459 156,565 

 Age of reference person ............................................................................. 49.6 49.7 49.7 49.7 49.5 49.5 49.7 49.6 

 Average number in consumer unit: 

 People ..................................................................................................... 2.9 1.9 2.3 2.4 2.6 2.7 2.9 3.3 

 Children under 18.................................................................................... .7 .4 .6 .7 .6 .7 .7 .8 

 Adults 65 and older ................................................................................. .1 ( 1 ) .1 ( 1 ) .1 ( 1 ) .1 ( 1 ) 

 Earners .................................................................................................... 1.8 .5 1.0 1.3 1.5 1.7 1.9 2.3 

 Vehicles ................................................................................................... 2.2 .9 1.2 1.5 1.8 2.0 2.3 3.0 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 47 35 38 39 44 47 48 52 

 Women .................................................................................................... 53 65 62 61 56 53 52 48 

 Housing tenure: 

 Homeowner ............................................................................................. 69 33 37 48 49 60 74 89 

 With mortgage ...................................................................................... 52 18 15 30 35 42 61 73 

 Without mortgage................................................................................. 16 16 22 19 14 18 13 16 

 Renter ...................................................................................................... 31 67 63 52 51 40 26 11 

 Race of reference person: 

 Black or African-American ...................................................................... 15 24 28 19 19 15 13 9 

 White, Asian, and all other races ............................................................ 85 76 72 81 81 85 87 91 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 16 18 22 24 26 19 17 10 

 Not Hispanic or Latino ............................................................................. 84 82 78 76 74 81 83 90 

 Education of reference person: 

 Elementary (1-8) ..................................................................................... 3 5 6 7 4 3 2 1 

 High school (9-12) ................................................................................... 28 53 48 41 37 31 28 14 

 College .................................................................................................... 69 42 46 52 57 66 70 85 

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

 At least one vehicle owned or leased ........................................................ 91 62 78 87 92 94 95 98 

Average annual expenditures........................................................................ $76,724 $26,688 $31,791 $39,440 $43,953 $53,062 $68,238 $117,702 

 Food ........................................................................................................... 9,800 4,555 5,164 5,286 6,059 7,054 8,588 14,338 

 Food at home .......................................................................................... 5,394 3,086 3,294 3,335 3,812 4,215 4,909 7,371 

 Cereals and bakery products ............................................................... 690 447 432 389 459 546 599 951 

 Cereals and cereal products ............................................................ 223 146 147 130 142 199 189 301 

 Bakery products ................................................................................ 466 301 285 260 317 347 410 650 

 Meats, poultry, fish, and eggs .............................................................. 1,153 644 703 794 929 912 992 1,566 

 Beef ................................................................................................... 308 151 174 174 264 246 245 436 

 Pork ................................................................................................... 220 137 171 162 178 184 198 282 

 Other meats ...................................................................................... 160 87 80 103 179 147 131 212 

 Poultry ............................................................................................... 226 143 165 175 142 164 204 302 

 Fish and seafood .............................................................................. 169 88 68 130 117 117 150 241 

 Eggs .................................................................................................. 70 39 46 50 49 54 64 94 

 Dairy products ...................................................................................... 532 305 289 359 375 407 494 728 

 Fresh milk and cream ....................................................................... 171 115 134 119 134 137 152 220 

 Other dairy products ......................................................................... 361 190 155 240 240 270 342 508 

 Fruits and vegetables .......................................................................... 1,019 546 659 560 695 858 885 1,406 

 Fresh fruits ........................................................................................ 375 198 215 198 219 322 335 523 

 Fresh vegetables .............................................................................. 349 151 253 180 281 281 297 483 

 Processed fruits ................................................................................ 124 88 69 69 68 101 100 175 

 Processed vegetables ...................................................................... 172 109 122 113 127 153 152 223 

 Other food at home .............................................................................. 1,999 1,144 1,211 1,233 1,355 1,491 1,940 2,720 

 Sugar and other sweets .................................................................... 184 106 98 103 99 122 165 270 

 Fats and oils ..................................................................................... 142 82 89 86 120 127 120 190 

 Miscellaneous foods ......................................................................... 1,061 566 594 636 674 798 1,062 1,454 

 Nonalcoholic beverages ................................................................... 535 369 422 373 441 402 536 671 

See footnotes at end of table. 
Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019 — Continued 

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

 Food prepared by consumer unit on out-of-town trips ..................... 76 220 28 235 21 41 57 135 

 Food away from home ............................................................................ 4,406 1,469 1,870 1,951 2,246 2,839 3,679 6,967 

 Alcoholic beverages ................................................................................... 688 259 227 373 364 383 565 1,104 

 Housing ...................................................................................................... 23,719 11,822 12,627 14,526 15,471 18,127 21,478 33,793 

 Shelter ..................................................................................................... 13,927 6,967 7,812 8,526 9,248 10,782 12,575 19,707 

 Owned dwellings .................................................................................. 8,943 1,889 2,148 3,239 3,430 4,944 7,889 15,192 

 Mortgage interest and charges ......................................................... 4,166 924 741 1,262 1,567 2,305 3,821 7,105 

 Property taxes ................................................................................... 2,864 568 642 1,166 1,104 1,540 2,289 4,969 

 Maintenance, repairs, insurance, other expenses ........................... 1,913 397 764 810 759 1,098 1,779 3,118 

 Rented dwellings.................................................................................. 3,819 4,909 5,520 5,090 5,640 5,280 4,101 2,212 

 Other lodging ....................................................................................... 1,166 169 144 197 178 559 585 2,303 

 Utilities, fuels, and public services .......................................................... 4,838 2,657 3,027 3,614 3,817 4,177 4,946 6,180 

 Natural gas ........................................................................................... 480 270 259 411 335 369 458 645 

 Electricity .............................................................................................. 1,671 1,144 1,310 1,409 1,371 1,486 1,668 2,003 

 Fuel oil and other fuels ........................................................................ 132 229 224 269 275 85 121 214 

 Telephone services .............................................................................. 1,822 813 985 1,235 1,466 1,625 1,950 2,365 

 Residential phone service, VOIP, and phone cards ........................ 192 135 107 171 140 145 178 252 

 Cellular phone service ...................................................................... 1,630 678 878 1,064 1,326 1,480 1,772 2,113 

 Water and other public services .......................................................... 732 402 449 491 570 613 749 951 

 Household operations ............................................................................. 1,535 499 659 740 758 986 1,096 2,515 

 Personal services................................................................................. 298 252 2123 257 232 158 137 571 

 Other household expenses .................................................................. 1,236 447 536 683 726 828 958 1,944 

 Housekeeping supplies ........................................................................... 920 832 402 524 597 649 857 1,269 

 Laundry and cleaning supplies ............................................................ 218 111 152 129 156 195 215 283 

 Other household products ................................................................... 554 628 178 306 384 363 511 766 

 Postage and stationery ........................................................................ 148 93 71 89 57 92 132 220 

 Household furnishings and equipment ................................................... 2,499 867 727 1,122 1,051 1,532 2,003 4,122 

 Household textiles................................................................................ 153 64 37 108 61 144 104 237 

 Furniture ............................................................................................... 589 181 276 389 218 367 436 956 

 Floor coverings .................................................................................... 31 29 25 22 210 13 14 62 

 Major appliances .................................................................................. 376 96 101 208 220 175 339 617 

 Small appliances, miscellaneous housewares .................................... 139 54 59 80 66 98 138 205 

 Miscellaneous household equipment .................................................. 1,209 463 249 334 475 735 972 2,045 

 Apparel and services .................................................................................. 2,357 825 1,105 1,377 1,272 1,617 1,985 3,591 

 Men and boys .......................................................................................... 586 150 283 273 314 510 469 889 

 Men, 16 and over ................................................................................. 440 117 220 169 209 374 347 681 

 Boys, 2 to 15 ........................................................................................ 146 33 63 103 104 136 122 209 

 Women and girls ..................................................................................... 970 383 411 526 624 603 727 1,525 

 Women, 16 and over ........................................................................... 794 335 334 433 580 510 604 1,225 

 Girls, 2 to 15 ......................................................................................... 176 48 77 93 44 93 123 300 

 Children under 2 ...................................................................................... 46 216 218 237 243 256 248 55 

 Footwear ................................................................................................. 498 2178 283 396 2174 306 535 709 

 Other apparel products and services ...................................................... 257 99 111 145 119 142 206 413 

 Transportation ............................................................................................ 12,783 3,991 4,832 7,369 8,004 9,659 12,785 18,809 

 Vehicle purchases (net outlay) ............................................................... 4,792 2990 1,240 2,736 2,719 3,350 5,155 7,261 

 Cars and trucks, new ........................................................................... 2,158 2399 2185 21,141 2811 1,564 2,301 3,429 

 Cars and trucks, used .......................................................................... 2,564 591 1,048 1,595 1,907 1,780 2,757 3,703 

 Other vehicles ...................................................................................... 70 ( 3 ) 27 ( 3 ) ( 3 ) 27 297 129 

 Gasoline, other fuels, and motor oil ........................................................ 2,649 1,114 1,461 1,810 2,026 2,275 2,690 3,545 

 Other vehicle expenses .......................................................................... 4,335 1,499 1,867 2,411 2,974 3,430 4,286 6,248 

 Vehicle finance charges ....................................................................... 314 84 113 130 187 242 345 462 

 Maintenance and repairs ..................................................................... 1,063 402 498 641 776 860 1,004 1,513 

 Vehicle rental, leases, licenses, and other charges ............................ 1,017 312 270 362 440 647 912 1,665 

 Vehicle insurance................................................................................. 1,941 701 985 1,277 1,570 1,681 2,024 2,608 

 Public and other transportation ............................................................... 1,007 388 264 412 286 603 654 1,755 

 Healthcare .................................................................................................. 5,240 1,494 2,238 2,806 3,494 3,779 5,589 7,596 

 Health insurance ..................................................................................... 3,557 971 1,378 1,861 2,299 2,595 3,964 5,140 

 Medical services ...................................................................................... 1,002 223 473 528 711 690 890 1,533 

 Drugs ....................................................................................................... 480 254 280 336 392 375 493 628 

 Medical supplies ...................................................................................... 201 45 107 82 92 119 242 296 

 Entertainment ............................................................................................. 3,905 1,143 1,298 1,741 2,141 2,284 3,209 6,369 

 Fees and admissions .............................................................................. 1,063 155 176 228 184 383 700 2,046 

 Audio and visual equipment and services .............................................. 1,204 550 735 844 804 853 1,194 1,667 

 Pets, toys, hobbies, and playground equipment..................................... 1,021 354 282 571 636 850 1,008 1,482 

 Pets ...................................................................................................... 874 322 196 431 574 727 852 1,286 

See footnotes at end of table. 
Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019 — Continued 

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

 Toys, hobbies, and playground equipment ......................................... 147 232 286 2140 262 123 155 196 

 Other entertainment supplies, equipment, and services ........................ 617 85 2105 297 516 197 308 1,174 

 Personal care products and services ......................................................... 976 291 418 521 619 731 907 1,451 

 Reading ...................................................................................................... 92 234 240 237 63 57 84 141 

 Education.................................................................................................... 2,754 225 226 437 521 1,219 1,533 5,459 

 Tobacco products and smoking supplies ................................................... 406 410 593 565 584 520 436 269 

 Miscellaneous ............................................................................................. 1,139 668 701 674 521 834 1,134 1,590 

 Cash contributions...................................................................................... 2,174 473 772 805 856 1,191 1,603 3,760 

 Personal insurance and pensions .............................................................. 10,691 500 1,549 2,924 3,984 5,608 8,341 19,433 

 Life and other personal insurance .......................................................... 639 130 168 169 249 340 469 1,133 

 Pensions and Social Security ................................................................. 10,053 370 1,381 2,755 3,734 5,268 7,873 18,300 

Sources of income and personal taxes: 

 Money income before taxes ....................................................................... $108,249 $6,425 $22,507 $34,830 $44,634 $59,513 $83,623 $193,106 

 Wages and salaries................................................................................. 94,974 2,455 14,936 28,864 38,875 52,869 75,027 170,557 

 Self-employment income ........................................................................ 8,125 -244 883 1,293 1,947 3,243 5,079 16,071 

 Social Security, private and government retirement ............................... 2,089 1,925 4,065 2,479 2,534 1,412 1,956 1,836 

 Interest, dividends, rental income, other property income ...................... 1,698 2

-63 184 409 2148 635 550 3,596 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 514 1,711 1,621 991 612 383 233 90 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 574 234 485 638 2358 644 646 642 

 Other income ........................................................................................... 275 407 333 2156 2161 326 131 312 

 Personal taxes (contains some imputed values) ....................................... 16,956 -264 -891 105 1,492 4,311 8,164 36,541 

 Federal income taxes .............................................................................. 13,220 -214 -966 -350 858 3,060 6,006 28,892 

 State and local income taxes .................................................................. 3,583 -75 64 421 604 1,226 2,116 7,320 

 Other taxes .............................................................................................. 153 225 211 234 229 224 42 330 

 Income after taxes ...................................................................................... 91,293 6,689 23,398 34,725 43,142 55,203 75,459 156,565 

Addenda: 

 Net change in total assets and liabilities .................................................... $16,623 $3,584 $276 -$419 -$528 $1,566 $4,995 $37,123 

 Net change in total assets ....................................................................... 27,945 4,285 430 3,171 5,766 5,774 15,013 57,601 

 Net change in total liabilities ................................................................... 11,323 701 154 3,590 6,294 4,208 10,018 20,478 

 Other financial information: 

 Other money receipts .............................................................................. 453 2284 2210 2621 2167 2686 2205 590 

 Mortgage principal paid on owned property ........................................... -3,414 -721 -602 -1,062 -1,178 -1,705 -2,683 -6,075 

 Estimated market value of owned home................................................. 247,754 60,007 54,019 89,417 106,088 151,718 190,202 425,592 

 Estimated monthly rental value of owned home ..................................... 1,286 390 407 588 634 820 1,130 2,068 

 Gifts of goods and services, total ............................................................... 2,039 373 492 556 505 1,347 1,339 3,656 

 Food ........................................................................................................ 146 40 74 230 63 64 62 271 

 Alcoholic beverages ................................................................................ 20 ( 1 ) 21 21 28 23 11 42 

 Housing ................................................................................................... 364 179 97 149 125 219 266 611 

 Housekeeping supplies ........................................................................ 45 233 27 260 17 39 29 65 

 Household textiles................................................................................ 17 230 22 24 29 242 23 20 

 Appliances and miscellaneous housewares ........................................ 25 221 212 22 29 24 232 40 

 Major appliances............................................................................... 14 210 21 ( 1 ) ( 3 ) ( 3 ) 219 24 

 Small appliances and miscellaneous housewares ........................... 12 211 211 22 29 24 213 16 

 Miscellaneous household equipment .................................................. 44 227 24 219 232 28 38 70 

 Other housing ...................................................................................... 231 68 72 265 257 105 163 416 

 Apparel and services .............................................................................. 271 229 238 117 103 247 207 406 

 Males, 2 and over ................................................................................ 78 24 87 29 14 80 58 118 

 Females, 2 and over ............................................................................ 104 219 80 72 43 87 72 156 

 Children under 2 .................................................................................. 36 26 215 217 231 250 239 44 

 Other apparel products and services................................................... 54 ( 1 ) 256 219 216 230 239 88 

 Jewelry and watches ........................................................................ 9 ( 1 ) 21 22 26 24 221 11 

 All other apparel products and services ........................................... 45 ( 3 ) 254 217 29 227 217 77 

 Transportation ......................................................................................... 179 9 7 25 16 319 98 291 

 Healthcare ............................................................................................... 37 ( 3 ) ( 1 ) 21 222 28 246 66 

See footnotes at end of table. 
Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019 — Continued 

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

 Entertainment .......................................................................................... 142 229 221 229 279 97 201 207 

 Toys, games, arts and crafts, and tricycles ......................................... 33 28 216 25 219 239 228 49 

 Other entertainment ............................................................................. 109 222 25 224 261 58 173 159 

 Personal care products and services ...................................................... 19 213 ( 1 ) 267 26 216 23 24 

 Reading ................................................................................................... 5 25 ( 3 ) 21 23 24 25 6 

 Education ................................................................................................ 769 26 248 293 265 331 379 1,580 

 All other gifts ........................................................................................... 88 63 27 45 16 38 61 153 

1

 Value is too small to display. 

2

 Data are likely to have large sampling errors. 

3

 No data reported. 

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2020