Table 2010. Highest education level of any member: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 

2021

 (Aggregates in millions of dollars, unless otherwise indicated) 

Less than college graduate College graduate 

Item Aggregate Total 

Less 

than 

high 

school 

graduate 

High 

school 

graduate 

High 

school 

graduate 

with 

some 

college 

Associate's 

degree Total Bachelor's degree 

Master's, 

professional, 

doctoral 

degree 

Number of consumer units (in thousands)1.......................... 133,595 70,333 7,933 25,032 23,643 13,725 63,262 36,493 26,769 

Percent distribution of consumer units ................................. 100.0 52.6 5.9 18.7 17.7 10.3 47.4 27.3 20.0 

Consumer unit characteristics (mean values): 

 Income before taxes ......................................................... $87,432 $53,844 $31,459 $46,871 $57,686 $72,882 $124,775 $105,181 $151,485 

 Income after taxes ............................................................ 78,743 52,926 33,403 47,053 56,131 69,400 107,446 93,284 126,753 

 Age of reference person ................................................... 51.8 52.9 55.9 53.9 52.1 50.8 50.7 49.5 52.3 

 Average number in consumer unit: 

 People ............................................................................ 2.4 2.4 2.2 2.3 2.3 2.6 2.5 2.5 2.6 

 Children under 18 .......................................................... .6 .6 .6 .6 .5 .6 .6 .5 .6 

 Adults 65 and older ........................................................ .4 .4 .5 .5 .4 .4 .4 .4 .5 

 Earners .......................................................................... 1.3 1.1 .8 1.0 1.2 1.3 1.5 1.5 1.5 

 Vehicles ......................................................................... 1.9 1.7 1.1 1.6 1.8 2.1 2.1 2.0 2.1 

Percent distribution: 

 Reference person: 

 Men ................................................................................ 47 44 44 46 42 43 51 51 51 

 Women ........................................................................... 53 56 56 54 58 57 49 49 49 

 Housing tenure: 

 Homeowner.................................................................... 65 56 41 54 58 66 74 70 79 

 With mortgage ............................................................ 38 28 15 23 31 41 48 45 53 

 Without mortgage ....................................................... 27 28 26 31 27 25 26 26 27 

 Renter ............................................................................ 35 44 59 46 42 34 26 30 21 

 Race of reference person: 

 Black or African-American ............................................. 13 17 16 17 17 15 10 10 9 

 White, Asian, and all other races, not including 

 Black or African-American .......................................... 87 83 84 83 83 85 90 90 91 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .......................................................... 15 19 36 18 17 16 10 12 6 

 Not Hispanic or Latino ................................................... 85 81 64 82 83 84 90 88 94 

 Education of reference person: 

 Elementary (1-8) ............................................................ 3 5 32 2 1 1 ( 2 ) ( 2 ) ( 2 ) 

 High school (9-12) ......................................................... 28 49 65 97 13 11 5 8 3 

 College ........................................................................... 69 46 n.a. n.a. 85 88 94 92 97 

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

 At least one vehicle owned or leased ............................... 89 86 70 84 89 93 93 93 94 

Annual aggregate expenditures ........................................... $8,937,383 38.1 2.8 11.9 13.9 9.5 61.9 31.3 30.6 

 Food .................................................................................. 1,105,178 39.9 3.1 12.9 14.3 9.6 60.1 30.9 29.2 

 Food at home ................................................................. 701,087 41.7 3.7 14.1 14.4 9.6 58.3 29.8 28.4 

 Cereals and bakery products ..................................... 89,592 41.7 3.3 14.1 14.5 9.8 58.3 29.7 28.6 

 Cereals and cereal products ................................... 28,017 40.0 3.4 12.5 14.8 9.4 60.0 30.4 29.5 

 Bakery products ...................................................... 61,575 42.4 3.3 14.8 14.3 10.0 57.6 29.3 28.3 

 Meats, poultry, fish, and eggs .................................... 148,655 44.5 4.3 15.8 14.9 9.5 55.5 28.8 26.7 

 Beef ......................................................................... 39,018 47.0 4.6 17.2 15.5 9.7 53.0 28.7 24.3 

 Pork ......................................................................... 29,713 46.9 5.1 17.3 14.8 9.7 53.1 27.6 25.5 

 Other meats ............................................................. 20,081 42.7 4.1 13.3 16.1 9.2 57.3 29.5 27.8 

 Poultry ..................................................................... 27,052 44.5 4.0 15.6 14.9 9.9 55.5 29.0 26.5 

 Fish and seafood ..................................................... 23,778 39.3 3.2 14.3 12.9 8.9 60.7 29.5 31.1 

 Eggs ........................................................................ 9,012 43.6 4.7 15.1 14.9 8.8 56.4 29.3 27.1 

 Dairy products ............................................................ 65,568 41.2 3.6 13.9 14.2 9.6 58.8 30.0 28.8 

 Fresh milk and cream .............................................. 20,941 44.2 4.4 15.5 14.5 9.8 55.8 28.2 27.6 

 Other dairy products ................................................ 44,627 39.8 3.2 13.1 14.0 9.4 60.2 30.8 29.4 

 Fruits and vegetables ................................................. 137,670 39.6 3.6 13.6 13.6 8.8 60.4 30.7 29.7 

 Fresh fruits............................................................... 50,421 38.2 3.7 13.4 12.9 8.3 61.8 31.6 30.1 

See footnotes at end of table. 
Table 2010. Highest education level of any member: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 

2021 — Continued 

 (Aggregates in millions of dollars, unless otherwise indicated) 

Less than college graduate College graduate 

Item Aggregate Total 

Less 

than 

high 

school 

graduate 

High 

school 

graduate 

High 

school 

graduate 

with 

some 

college 

Associate's 

degree Total Bachelor's degree 

Master's, 

professional, 

doctoral 

degree 

 Fresh vegetables ..................................................... 43,712 39.0 3.3 13.2 13.8 8.7 61.0 30.9 30.1 

 Processed fruits ....................................................... 17,683 41.3 3.8 14.0 13.9 9.6 58.7 30.5 28.1 

 Processed vegetables ............................................. 25,854 42.1 3.5 14.5 14.5 9.6 57.9 28.6 29.3 

 Other food at home ..................................................... 259,603 41.4 3.6 13.4 14.6 9.9 58.6 30.0 28.6 

 Sugar and other sweets .......................................... 24,263 40.8 3.5 14.2 14.3 8.8 59.2 30.9 28.4 

 Fats and oils ............................................................ 17,664 43.9 3.6 15.0 15.7 9.6 56.1 27.3 28.8 

 Miscellaneous foods ................................................ 139,776 40.0 3.3 12.4 14.3 10.0 60.0 30.7 29.2 

 Nonalcoholic beverages .......................................... 68,632 45.4 4.3 15.3 15.6 10.2 54.6 28.2 26.5 

 Food prepared by consumer unit on out of town 

 trips ....................................................................... 9,267 30.4 1.7 9.0 9.9 9.9 69.6 35.4 34.2 

 Food away from home ................................................... 404,091 36.8 2.1 10.8 14.2 9.7 63.2 32.6 30.6 

 Alcoholic beverages .......................................................... 73,841 29.9 1.2 8.6 12.9 7.3 70.1 35.7 34.3 

 Housing ............................................................................. 3,021,905 39.6 3.3 12.9 14.1 9.2 60.4 30.9 29.5 

 Shelter ............................................................................ 1,771,197 38.6 3.5 12.8 13.6 8.7 61.4 31.5 29.9 

 Owned dwellings ........................................................ 1,014,119 32.0 2.0 9.6 11.4 9.0 68.0 32.6 35.4 

 Mortgage interest and charges ............................... 371,521 31.1 1.9 8.1 11.0 10.1 68.9 32.8 36.1 

 Property taxes ......................................................... 330,672 30.0 1.9 9.5 10.7 7.9 70.0 33.4 36.6 

 Maintenance, repairs, insurance, and other 

 expenses .............................................................. 311,926 35.0 2.1 11.6 12.6 8.6 65.0 31.6 33.4 

 Rented dwellings ........................................................ 625,766 52.7 6.6 19.2 17.9 9.1 47.3 29.1 18.1 

 Other lodging .............................................................. 131,312 22.3 .8 6.4 9.5 5.5 77.7 34.5 43.2 

 Utilities, fuels, and public services ................................. 564,237 47.4 4.0 16.0 16.8 10.6 52.6 29.1 23.5 

 Natural gas ................................................................. 59,764 43.8 4.3 14.9 15.3 9.3 56.2 29.1 27.0 

 Electricity .................................................................... 207,189 50.2 4.8 17.4 17.2 10.8 49.8 28.2 21.6 

 Fuel oil and other fuels ............................................... 16,247 41.6 2.5 16.9 12.7 9.6 58.4 29.1 29.3 

 Telephone services .................................................... 188,193 47.1 3.5 15.2 17.5 11.0 52.9 29.5 23.4 

 Residential phone service, VOIP, and phone 

 cards ..................................................................... 22,060 47.9 4.5 18.2 15.6 9.6 52.1 28.5 23.6 

 Cellular phone service ............................................. 166,134 47.0 3.3 14.8 17.8 11.2 53.0 29.6 23.4 

 Water and other public services ................................. 92,843 45.1 3.7 14.9 16.1 10.4 54.9 30.2 24.7 

 Household operations .................................................... 218,873 32.8 2.0 10.1 12.9 7.9 67.2 31.4 35.7 

 Personal services ....................................................... 50,394 22.7 31.5 6.6 9.0 5.6 77.3 28.0 49.3 

 Other household expenses ........................................ 168,479 35.9 2.1 11.1 14.1 8.5 64.1 32.5 31.7 

 Housekeeping supplies.................................................. 107,042 41.2 3.1 12.9 15.1 10.1 58.8 28.2 30.7 

 Laundry and cleaning supplies ................................... 23,789 51.5 5.9 18.2 17.4 10.0 48.5 28.6 19.9 

 Other household products .......................................... 68,508 38.4 2.4 11.5 15.0 9.6 61.6 27.8 33.8 

 Postage and stationery ............................................... 14,745 37.2 2.1 10.9 11.9 12.4 62.8 29.2 33.6 

 Household furnishings and equipment .......................... 360,556 36.1 2.1 10.8 13.3 10.0 63.9 31.4 32.5 

 Household textiles ...................................................... 16,221 38.2 2.2 18.7 11.4 5.9 61.8 35.8 26.0 

 Furniture ..................................................................... 95,600 35.3 1.9 10.5 12.6 10.3 64.7 33.4 31.3 

 Floor coverings ........................................................... 4,439 28.1 1.0 9.8 8.8 8.5 71.9 38.0 33.9 

 Major appliances ........................................................ 61,922 41.3 3.6 13.3 14.4 10.0 58.7 30.3 28.4 

 Small appliances and miscellaneous 

 housewares ............................................................. 18,949 38.8 2.8 11.6 14.9 9.5 61.2 34.0 27.1 

 Miscellaneous household equipment ......................... 163,425 34.3 1.5 9.3 13.3 10.2 65.7 29.7 36.0 

 Apparel and services ........................................................ 233,952 38.8 3.2 12.2 13.3 10.1 61.2 32.2 29.0 

 Men and boys ................................................................ 56,507 42.0 3.8 13.1 13.5 11.6 58.0 30.0 28.0 

 Men, 16 and over ........................................................ 41,298 39.0 3.2 12.7 14.5 8.6 61.0 31.6 29.4 

 Boys, 2 to 15 ............................................................... 15,210 50.0 5.3 14.1 11.0 19.6 50.0 25.6 24.4 

 Women and girls ............................................................ 87,858 36.7 2.3 10.2 15.2 9.1 63.3 31.4 31.8 

 Women, 16 and over .................................................. 73,157 34.3 2.1 8.9 14.0 9.2 65.7 34.2 31.5 

 Girls, 2 to 15 ............................................................... 14,701 49.0 2.9 16.4 21.1 8.6 51.0 17.5 33.4 

 Children under 2 ............................................................ 8,844 54.1 38.4 20.1 8.7 17.0 45.9 24.2 21.7 

 Footwear ........................................................................ 44,801 38.7 3.4 13.6 12.4 9.2 61.3 32.3 29.0 

 Other apparel products and services ............................ 35,942 34.9 3.1 11.7 10.7 9.2 65.1 39.5 25.6 

 Transportation ................................................................... 1,464,325 44.2 3.4 13.0 15.9 11.9 55.8 30.0 25.8 

 Vehicle purchases (net outlay) ...................................... 645,014 44.8 4.0 11.8 15.6 13.3 55.2 28.3 26.9 

 Cars and trucks, new .................................................. 295,306 34.9 31.1 8.5 12.7 12.5 65.1 30.8 34.3 

 Cars and trucks, used................................................. 341,296 53.3 6.6 14.7 17.9 14.1 46.7 25.7 21.0 

 Other vehicles ............................................................. 8,412 43.5 3

.6 38.0 29.5 35.3 56.5 51.0 35.6 

 Gasoline, other fuels, and motor oil ............................... 286,902 49.2 3.6 16.5 17.3 11.8 50.8 29.6 21.2 

See footnotes at end of table. 
Table 2010. Highest education level of any member: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 

2021 — Continued 

 (Aggregates in millions of dollars, unless otherwise indicated) 

Less than college graduate College graduate 

Item Aggregate Total 

Less 

than 

high 

school 

graduate 

High 

school 

graduate 

High 

school 

graduate 

with 

some 

college 

Associate's 

degree Total Bachelor's degree 

Master's, 

professional, 

doctoral 

degree 

 Other vehicle expenses ................................................. 472,093 43.1 2.7 13.4 16.2 10.8 56.9 31.5 25.4 

 Vehicle finance charges ............................................. 36,325 46.6 2.2 12.9 18.8 12.8 53.4 29.5 23.9 

 Maintenance and repairs ............................................ 130,199 43.2 2.8 13.4 16.1 11.0 56.8 30.9 25.9 

 Vehicle rental, leases, licenses, and other 

 charges .................................................................... 101,488 33.4 1.5 9.8 13.1 9.0 66.6 35.7 30.9 

 Vehicle insurance ....................................................... 204,080 47.3 3.3 15.3 17.4 11.2 52.7 30.2 22.5 

 Public and other transportation...................................... 60,316 23.9 2.1 7.1 9.3 5.3 76.1 38.3 37.9 

 Healthcare ......................................................................... 728,228 39.7 2.8 13.0 14.5 9.5 60.3 31.2 29.1 

 Health insurance ............................................................ 494,784 40.6 2.9 13.8 14.2 9.6 59.4 30.9 28.5 

 Medical services ............................................................ 142,902 34.9 2.1 9.9 14.0 8.9 65.1 33.4 31.7 

 Drugs ............................................................................. 66,401 43.8 3.4 13.6 16.8 10.0 56.2 27.6 28.5 

 Medical supplies ............................................................ 24,141 38.3 2.3 11.3 15.7 9.0 61.7 33.8 27.9 

 Entertainment .................................................................... 476,379 37.5 1.8 9.9 13.8 12.1 62.5 31.5 31.0 

 Fees and admissions ..................................................... 87,296 20.2 1.0 4.1 8.5 6.5 79.8 36.3 43.6 

 Audio and visual equipment and services ..................... 136,305 45.0 3.0 15.8 15.9 10.2 55.0 30.4 24.6 

 Pets, toys, hobbies, and playground equipment ........... 129,294 34.3 2.0 9.6 14.1 8.6 65.7 30.8 35.0 

 Pets ............................................................................. 102,783 33.0 2.0 8.7 14.3 8.0 67.0 31.7 35.3 

 Toys, hobbies, and playground equipment ................ 26,511 39.1 31.7 13.1 13.6 10.8 60.9 27.1 33.7 

 Other entertainment supplies, equipment, and 

 services ....................................................................... 123,484 45.0 .6 7.6 14.8 21.9 55.0 30.1 24.9 

 Personal care products and services ............................... 102,831 37.4 2.6 11.0 14.1 9.7 62.6 31.3 31.2 

 Reading ............................................................................. 15,229 27.4 1.1 9.3 12.0 5.0 72.6 33.4 39.3 

 Education .......................................................................... 163,787 19.0 .8 4.1 10.2 4.0 81.0 35.2 45.8 

 Tobacco products and smoking supplies ......................... 45,605 76.4 7.9 29.2 24.6 14.7 23.6 17.1 6.5 

 Miscellaneous ................................................................... 131,738 40.0 1.7 12.9 16.3 9.1 60.0 32.7 27.3 

 Cash contributions ............................................................ 322,566 24.3 1.6 7.4 9.2 6.1 75.7 29.4 46.3 

 Personal insurance and pensions..................................... 1,051,819 28.5 1.6 8.3 10.7 8.0 71.5 34.6 36.9 

 Life and other personal insurance ................................. 63,249 34.2 1.7 10.4 13.4 8.6 65.8 28.4 37.4 

 Pensions and Social Security ........................................ 988,570 28.2 1.6 8.2 10.5 8.0 71.8 35.0 36.8 

Sources of income and personal taxes: 

 Income before taxes ......................................................... $11,680,535 32.4 2.1 10.0 11.7 8.6 67.6 32.9 34.7 

 Wages and salaries ....................................................... 9,005,474 29.8 1.7 8.7 10.9 8.5 70.2 34.2 36.0 

 Self-employment income ............................................... 812,912 30.7 2.3 10.4 10.9 7.2 69.3 32.7 36.6 

 Social Security, private and government 

 retirement .................................................................... 1,286,764 48.2 4.2 17.9 16.9 9.1 51.8 23.9 27.9 

 Interest, dividends, rental income, and other 

 property income .......................................................... 304,491 23.4 1.0 7.1 7.8 7.4 76.6 36.7 39.9 

 Public assistance, Supplemental Security Income, 

 Supplementary Nutrition Assistance Program 

 (SNAP) ........................................................................ 78,876 82.1 18.2 32.3 22.4 9.2 17.9 13.1 4.8 

 Unemployment and workers' compensation, 

 veterans' benefits, and regular contributions for 

 support ........................................................................ 147,077 53.1 3.5 15.1 19.5 15.0 46.9 30.1 16.8 

 Other income ................................................................. 44,941 49.6 5.2 12.8 22.7 8.8 50.4 32.7 17.8 

 Personal taxes (contains some imputed values) .............. 1,160,821 5.6 -1.3 -.4 3.2 4.1 94.4 37.4 57.0 

 Federal income taxes .................................................... 1,143,769 14.9 -.2 3.0 6.3 5.8 85.1 35.4 49.7 

 Stimulus payment .......................................................... -339,560 55.5 4.8 19.3 18.5 12.8 44.5 27.9 16.6 

 State and local income taxes ......................................... 342,557 21.4 .8 5.8 7.9 6.8 78.6 35.5 43.1 

 Other taxes .................................................................... 14,055 64.3 3

.8 47.8 6.3 9.5 35.7 18.1 17.6 
Table 2010. Highest education level of any member: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 

2021 — Continued 

 (Aggregates in millions of dollars, unless otherwise indicated) 

Less than college graduate College graduate 

Item Aggregate Total 

Less 

than 

high 

school 

graduate 

High 

school 

graduate 

High 

school 

graduate 

with 

some 

college 

Associate's 

degree Total Bachelor's degree 

Master's, 

professional, 

doctoral 

degree 

 Income after taxes ............................................................ 10,519,715 35.4 2.5 11.2 12.6 9.1 64.6 32.4 32.3 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 Data are likely to have large sampling errors. 

n.a. Not applicable. 

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2022