Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

Number of consumer units (in thousands) ..................................................... 16,751 574 3,348 5,646 4,219 2,030 933 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $116,381 $60,128 $81,494 $120,155 $144,139 $140,362 $75,644 

 Income after taxes ...................................................................................... 100,947 58,997 75,268 104,030 121,417 118,026 70,516 

 Age of reference person ............................................................................. 43.7 22.2 30.6 39.7 49.0 58.9 70.4 

 Average number in consumer unit: 

 People ...................................................................................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 

 Children under 18 .................................................................................... 1.5 1.2 2.0 1.8 1.4 .8 .7 

 Adults 65 and older .................................................................................. .1 1

.1 ( 2

 ) ( 2 ) ( 2 ) .1 1.3 

 Earners .................................................................................................... 2.0 2.0 1.7 1.9 2.3 2.5 1.8 

 Vehicles ................................................................................................... 2.4 2.0 2.2 2.2 2.7 3.0 2.4 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 49 44 42 47 52 60 46 

 Women ..................................................................................................... 51 56 58 53 48 40 54 

 Housing tenure: 

 Homeowner.............................................................................................. 71 31 53 72 82 85 82 

 With mortgage ...................................................................................... 57 15 46 60 67 63 41 

 Without mortgage ................................................................................. 15 16 8 12 15 22 41 

 Renter ...................................................................................................... 29 69 47 28 18 15 18 

 Race of reference person: 

 Black or African-American ....................................................................... 14 20 14 14 10 17 22 

 White, Asian, and all other races ............................................................. 86 80 86 86 90 83 78 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 20 36 23 22 18 13 17 

 Not Hispanic or Latino ............................................................................. 80 64 77 78 82 87 83 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 27 48 33 24 19 25 41 

 College ..................................................................................................... 70 52 64 72 77 72 52 

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

 At least one vehicle owned or leased ......................................................... 95 86 95 95 96 95 91 

Average annual expenditures ........................................................................ $83,353 $51,433 $66,933 $84,261 $98,241 $97,819 $60,798 

 Food ............................................................................................................ 11,002 7,289 8,793 11,229 13,216 11,754 9,976 

 Food at home ........................................................................................... 6,286 4,492 5,061 6,526 7,107 6,969 6,278 

 Cereals and bakery products ............................................................... 839 643 615 869 996 930 822 

 Cereals and cereal products ............................................................. 273 255 202 280 306 309 313 

 Bakery products ................................................................................ 566 388 413 589 690 621 509 

 Meats, poultry, fish, and eggs .............................................................. 1,359 960 1,154 1,371 1,438 1,676 1,512 

 Beef ................................................................................................... 362 216 294 376 374 445 497 

 Pork ................................................................................................... 240 200 224 238 258 230 321 

 Other meats ....................................................................................... 182 92 137 187 216 218 184 

 Poultry ............................................................................................... 278 214 263 285 283 314 258 

 Fish and seafood ............................................................................... 211 169 162 200 215 368 164 

 Eggs .................................................................................................. 86 69 75 85 92 101 89 

 Dairy products ...................................................................................... 622 484 442 672 709 685 650 

 Fresh milk and cream ........................................................................ 204 150 147 227 226 229 184 

 Other dairy products .......................................................................... 418 334 295 445 482 456 466 

 Fruits and vegetables ........................................................................... 1,210 971 1,028 1,224 1,406 1,274 1,004 

 Fresh fruits......................................................................................... 455 318 409 453 547 474 285 

 Fresh vegetables ............................................................................... 399 357 312 399 466 442 392 

 Processed fruits ................................................................................. 162 132 146 167 173 156 182 

 Processed vegetables ....................................................................... 194 164 161 205 220 202 146 

 Other food at home ............................................................................... 2,257 1,434 1,822 2,390 2,558 2,404 2,289 

 Sugar and other sweets .................................................................... 208 114 135 222 246 241 276 

 Fats and oils ...................................................................................... 156 110 117 157 182 192 163 

 Miscellaneous foods .......................................................................... 1,223 781 1,057 1,301 1,356 1,221 1,223 

 Nonalcoholic beverages .................................................................... 598 410 460 639 669 676 600 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019 — Continued 

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Food prepared by consumer unit on out-of-town trips ...................... 72 119 53 72 105 73 127 

 Food away from home ............................................................................. 4,716 2,797 3,732 4,702 6,110 4,785 3,698 

 Alcoholic beverages .................................................................................... 568 162 353 602 759 717 402 

 Housing ....................................................................................................... 25,919 16,529 22,362 27,490 29,263 26,837 18,388 

 Shelter ...................................................................................................... 14,631 9,193 12,503 15,240 16,860 15,809 9,290 

 Owned dwellings .................................................................................. 9,689 1,811 6,071 10,129 12,648 12,196 6,022 

 Mortgage interest and charges ......................................................... 4,921 1704 3,402 5,412 6,307 5,717 1,993 

 Property taxes ................................................................................... 3,043 559 1,552 3,035 4,104 4,539 1,916 

 Maintenance, repairs, insurance, other expenses ............................ 1,725 548 1,117 1,683 2,236 1,941 2,112 

 Rented dwellings .................................................................................. 3,913 7,059 5,885 4,137 2,684 2,198 2,822 

 Other lodging ........................................................................................ 1,030 1323 547 974 1,528 1,415 446 

 Utilities, fuels, and public services ........................................................... 5,160 4,031 4,269 4,990 5,809 6,075 5,161 

 Natural gas ........................................................................................... 534 237 370 523 653 692 482 

 Electricity .............................................................................................. 1,786 1,466 1,535 1,753 1,879 2,100 1,980 

 Fuel oil and other fuels ......................................................................... 113 115 95 101 137 148 1125 

 Telephone services .............................................................................. 1,894 1,740 1,588 1,814 2,182 2,163 1,690 

 Residential phone service, VOIP, and phone cards ......................... 182 1115 79 134 249 308 308 

 Cellular phone service ....................................................................... 1,712 1,625 1,509 1,681 1,932 1,855 1,382 

 Water and other public services ........................................................... 834 573 681 798 959 972 885 

 Household operations .............................................................................. 2,765 1,558 3,139 3,691 2,238 1,752 1,156 

 Personal services ................................................................................. 1,495 1935 2,198 2,450 664 1206 1100 

 Other household expenses .................................................................. 1,270 623 941 1,242 1,574 1,547 1,056 

 Housekeeping supplies............................................................................ 870 310 665 883 1,127 881 983 

 Laundry and cleaning supplies ............................................................. 244 136 197 256 270 293 235 

 Other household products .................................................................... 497 131 365 485 682 503 616 

 Postage and stationery ......................................................................... 129 143 102 141 175 85 131 

 Household furnishings and equipment .................................................... 2,491 1,436 1,786 2,686 3,228 2,320 1,798 

 Household textiles ................................................................................ 128 144 79 145 158 166 74 

 Furniture ............................................................................................... 628 334 474 803 606 558 542 

 Floor coverings ..................................................................................... 27 121 15 33 33 21 122 

 Major appliances .................................................................................. 456 547 363 474 466 586 306 

 Small appliances, miscellaneous housewares ..................................... 136 120 117 126 159 147 159 

 Miscellaneous household equipment ................................................... 1,117 371 738 1,104 1,807 842 694 

 Apparel and services .................................................................................. 2,963 1,734 3,052 3,007 3,430 2,500 2,127 

 Men and boys .......................................................................................... 702 315 720 751 802 515 589 

 Men, 16 and over .................................................................................. 444 1222 448 414 542 400 452 

 Boys, 2 to 15 ......................................................................................... 258 93 273 337 260 116 137 

 Women and girls ...................................................................................... 1,192 705 995 1,202 1,550 1,143 737 

 Women, 16 and over ............................................................................ 866 563 663 862 1,129 947 550 

 Girls, 2 to 15 ......................................................................................... 326 142 332 340 421 196 187 

 Children under 2 ...................................................................................... 155 1164 316 133 153 1104 1223 

 Footwear .................................................................................................. 649 415 727 691 676 498 1446 

 Other apparel products and services ...................................................... 265 135 294 229 348 239 133 

 Transportation ............................................................................................. 15,228 10,728 13,888 15,072 15,875 19,542 11,475 

 Vehicle purchases (net outlay) ................................................................ 6,598 3,782 6,654 6,947 5,747 8,975 14,703 

 Cars and trucks, new ............................................................................ 2,687 1466 2,126 3,210 2,785 3,012 11,749 

 Cars and trucks, used........................................................................... 3,759 3,111 4,362 3,550 2,874 5,761 2,905 

 Other vehicles ....................................................................................... 153 1205 1166 1187 189 1203 148 

 Gasoline, other fuels, and motor oil ......................................................... 3,022 2,669 2,824 2,892 3,311 3,405 2,608 

 Other vehicle expenses ........................................................................... 4,615 3,863 3,877 4,292 5,458 5,635 3,675 

 Vehicle finance charges ....................................................................... 366 271 421 363 380 335 251 

 Maintenance and repairs ...................................................................... 1,134 964 1,006 1,090 1,256 1,373 926 

 Vehicle rental, leases, licenses, and other charges ............................. 1,087 603 820 994 1,465 1,390 538 

 Vehicle insurance ................................................................................. 2,028 2,026 1,630 1,845 2,357 2,538 1,960 

 Public and other transportation................................................................ 992 414 533 941 1,359 1,528 490 

 Healthcare ................................................................................................... 5,788 2,912 4,165 5,655 6,456 7,950 6,515 

 Health insurance ...................................................................................... 3,980 2,043 3,042 3,904 4,320 5,147 4,920 

 Medical services ...................................................................................... 1,184 471 740 1,205 1,366 1,924 663 

 Drugs ....................................................................................................... 440 301 279 387 531 622 663 

 Medical supplies ...................................................................................... 183 198 105 158 238 257 270 

 Entertainment .............................................................................................. 3,865 1,734 2,737 4,174 4,971 3,778 2,728 

 Fees and admissions ............................................................................... 1,409 346 648 1,682 2,091 1,159 727 

 Audio and visual equipment and services ............................................... 1,159 776 950 1,072 1,397 1,316 1,240 

 Pets, toys, hobbies, and playground equipment ..................................... 874 399 719 1,013 884 1,016 662 

 Pets ....................................................................................................... 596 264 448 601 687 815 568 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019 — Continued 

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Toys, hobbies, and playground equipment .......................................... 277 1134 272 411 197 1201 193 

 Other entertainment supplies, equipment, and services ......................... 424 1213 420 408 599 287 199 

 Personal care products and services ......................................................... 1,024 580 740 1,091 1,277 1,067 786 

 Reading ....................................................................................................... 102 167 67 101 141 117 69 

 Education .................................................................................................... 2,212 2,606 938 1,272 3,074 5,671 821 

 Tobacco products and smoking supplies ................................................... 376 392 464 335 274 450 614 

 Miscellaneous ............................................................................................. 1,128 322 671 1,135 1,493 1,545 735 

 Cash contributions ...................................................................................... 1,886 982 894 1,689 2,934 2,663 767 

 Personal insurance and pensions............................................................... 11,293 5,397 7,807 11,411 15,077 13,227 5,394 

 Life and other personal insurance ........................................................... 670 1241 310 603 776 1,328 715 

 Pensions and Social Security .................................................................. 10,623 5,156 7,497 10,807 14,301 11,900 4,679 

Sources of income and personal taxes: 

 Money income before taxes ........................................................................ $116,381 $60,128 $81,494 $120,155 $144,139 $140,362 $75,644 

 Wages and salaries ................................................................................. 103,921 52,330 74,438 109,900 130,412 122,150 45,819 

 Self-employment income ......................................................................... 7,514 14,801 4,263 7,921 9,404 8,998 6,602 

 Social Security, private and government retirement ............................... 2,547 11,402 806 539 1,342 5,410 20,869 

 Interest, dividends, rental income, other property income ...................... 1,168 113 435 850 1,912 2,159 916 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 529 1659 822 429 322 595 799 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 444 1140 548 246 504 1706 1622 

 Other income ........................................................................................... 258 1782 181 271 242 344 116 

 Personal taxes (contains some imputed values) ........................................ 15,434 1,131 6,226 16,125 22,722 22,337 5,128 

 Federal income taxes .............................................................................. 11,670 423 4,160 12,204 17,520 17,135 3,962 

 State and local income taxes ................................................................... 3,693 696 1,991 3,874 5,097 5,103 1,138 

 Other taxes .............................................................................................. 71 112 76 47 105 199 128 

 Income after taxes ...................................................................................... 100,947 58,997 75,268 104,030 121,417 118,026 70,516 

Addenda: 

 Net change in total assets and liabilities ..................................................... $11,829 $1,152 $10,002 $8,937 $28,567 -$2,120 -$2,894 

 Net change in total assets ....................................................................... 33,500 7,477 41,931 34,457 45,295 13,071 4,552 

 Net change in total liabilities .................................................................... 21,670 6,324 31,929 25,520 16,728 15,190 7,445 

 Other financial information: 

 Other money receipts .............................................................................. 741 1146 795 941 1367 1720 11,437 

 Mortgage principal paid on owned property ............................................ -3,596 1

-424 -1,955 -3,663 -5,067 -4,702 -1,979 

 Estimated market value of owned home ................................................. 259,073 58,569 134,156 246,865 355,751 368,909 228,457 

 Estimated monthly rental value of owned home ..................................... 1,379 372 828 1,386 1,772 1,826 1,189 

 Gifts of goods and services, total................................................................ 1,054 431 656 911 1,509 1,487 888 

 Food ......................................................................................................... 65 121 48 43 129 48 147 

 Alcoholic beverages ................................................................................. 13 13 12 11 32 17 ( 2 ) 

 Housing .................................................................................................... 200 189 165 165 306 182 1158 

 Housekeeping supplies ........................................................................ 32 14 15 24 66 117 171 

 Household textiles ................................................................................ 11 ( 3 ) 12 123 16 111 13 

 Appliances and miscellaneous housewares ........................................ 21 ( 3 ) 121 25 119 128 ( 3 ) 

 Major appliances ............................................................................... 4 ( 3 ) 13 6 17 ( 3 ) ( 3 ) 

 Small appliances and miscellaneous housewares ........................... 16 ( 3 ) 118 119 112 128 ( 3 ) 

 Miscellaneous household equipment ................................................... 33 17 12 23 59 41 165 

 Other housing ....................................................................................... 103 1178 115 69 156 184 119 

 Apparel and services ............................................................................... 315 1149 248 427 261 247 443 

 Males, 2 and over ................................................................................. 51 161 36 29 68 42 1219 

 Females, 2 and over ............................................................................. 152 143 118 234 127 96 195 

 Children under 2 ................................................................................... 45 121 130 146 129 193 1112 

 Other apparel products and services ................................................... 67 123 165 1119 138 116 117 

 Jewelry and watches ......................................................................... 

14 14 11 13 16 19 ( 2

 ) 

 All other apparel products and services ............................................ 63 119 164 1116 132 17 116 

 Transportation .......................................................................................... 94 35 28 99 167 94 15 

 Healthcare ................................................................................................ 38 11 13 118 17 1237 113 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Survey, 2018-2019 — Continued 

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Entertainment........................................................................................... 84 110 62 97 81 116 192 

 Toys, games, arts and crafts, and tricycles .......................................... 53 19 141 76 146 148 143 

 Other entertainment .............................................................................. 31 11 21 21 35 68 149 

 Personal care products and services ...................................................... 15 110 34 13 22 13 17 

 Reading .................................................................................................... 2 15 11 11 12 16 111 

 Education ................................................................................................. 173 11 16 110 422 1512 13 

 All other gifts ............................................................................................ 54 19 59 35 82 36 100 

1

 Data are likely to have large sampling errors. 

2

 Value is too small to display. 

3

 No data reported. 

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