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

Expenditure Surveys, 2021-2022

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)1................................................... 22,481 1,533 1,622 1,383 1,440 2,337 3,562 10,605 

Consumer unit characteristics:

 Income before taxes ................................................................................... $124,498 $6,506 $22,636 $35,034 $44,493 $59,472 $84,245 $207,510 

 Income after taxes ...................................................................................... 106,907 9,675 26,136 37,475 46,340 58,615 78,637 170,728 

 Age of reference person............................................................................. 49.6 49.7 50.1 49.3 49.5 49.6 49.8 49.5 

 Average number in consumer unit:

 People ..................................................................................................... 2.9 2.0 2.2 2.3 2.5 2.6 2.8 3.4 

 Children under 18.................................................................................... .7 .4 .5 .6 .6 .6 .6 .9 

 Adults 65 and older ................................................................................. .1 ( 2 ) 3

.1 3.1 3.1 .1 .1 .1 

 Earners .................................................................................................... 1.8 .6 .9 1.3 1.4 1.6 1.9 2.3 

 Vehicles ................................................................................................... 2.2 1.1 1.2 1.4 1.6 1.7 2.1 2.7 

Percent distribution:

 Reference person:

 Men.......................................................................................................... 49 45 34 39 42 47 49 55 

 Women .................................................................................................... 51 55 66 61 58 53 51 45 

 Housing tenure:

 Homeowner............................................................................................. 70 36 42 54 52 60 72 85 

 With mortgage...................................................................................... 51 13 14 28 33 43 52 70 

 Without mortgage................................................................................. 19 24 28 26 18 18 21 15 

 Renter...................................................................................................... 30 64 58 46 48 40 28 15 

 Race of reference person:

 Black or African-American....................................................................... 14 25 22 21 18 18 17 9 

 White, Asian, and all other races, not including Black or

 African-American.................................................................................. 86 75 78 79 82 82 83 91 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino.................................................................................... 18 16 29 28 29 21 19 12 

 Not Hispanic or Latino............................................................................. 82 84 71 72 71 79 81 88 

 Education of reference person:

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

 High school (9-12)................................................................................... 24 49 37 48 37 28 28 12 

 College .................................................................................................... 72 46 54 44 56 69 69 86 

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

 At least one vehicle owned or leased......................................................... 92 68 80 90 90 90 95 97 

Average annual expenditures........................................................................ $87,595 $33,274 $36,576 $41,405 $49,108 $56,901 $70,455 $127,342 

 Food............................................................................................................ 11,222 6,353 5,674 5,953 5,990 8,266 9,294 15,637 

 Food at home .......................................................................................... 6,788 4,678 4,088 4,054 3,904 5,343 6,245 8,855 

 Cereals and bakery products ............................................................... 886 550 579 547 466 730 772 1,167 

 Cereals and cereal products............................................................. 282 210 191 198 172 235 250 356 

 Bakery products................................................................................ 605 341 388 349 294 494 522 811 

 Meats, poultry, fish, and eggs.............................................................. 1,405 1,047 933 982 912 1,132 1,435 1,719 

 Beef................................................................................................... 367 305 236 230 231 317 401 437 

 Pork................................................................................................... 279 246 206 176 201 207 283 340 

 Other meats ...................................................................................... 199 111 130 160 103 152 233 242 

 Poultry............................................................................................... 258 188 143 172 215 245 240 313 

 Fish and seafood .............................................................................. 207 127 140 177 106 137 198 270 

 Eggs.................................................................................................. 94 70 78 67 55 74 81 118 

 Dairy products ...................................................................................... 616 424 371 375 371 497 547 805 

 Fresh milk and cream ....................................................................... 199 154 114 120 126 177 176 252 

 Other dairy products ......................................................................... 418 270 257 255 245 320 370 553 

 Fruits and vegetables........................................................................... 1,318 936 705 828 816 1,054 1,183 1,723 

 Fresh fruits ........................................................................................ 474 313 222 282 305 354 410 641 

 Fresh vegetables .............................................................................. 417 289 225 284 292 355 386 527 

 Processed fruits ................................................................................ 174 112 100 118 86 134 162 228 

 Processed vegetables ...................................................................... 254 222 158 144 132 211 224 327 

 Other food at home .............................................................................. 2,562 1,720 1,500 1,322 1,339 1,930 2,309 3,441 

 Sugar and other sweets.................................................................... 231 127 125 139 109 181 213 312 

 Fats and oils...................................................................................... 182 116 101 100 105 164 173 234 

 Miscellaneous foods ......................................................................... 1,358 949 816 627 686 978 1,206 1,850 

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 Surveys, 2021-2022 — 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

 Nonalcoholic beverages ................................................................... 690 502 435 423 404 551 641 887 

 Food prepared by consumer unit on out of town trips...................... 100 326 323 334 335 56 76 157 

 Food away from home ............................................................................ 4,435 1,675 1,586 1,899 2,086 2,923 3,049 6,782 

 Alcoholic beverages ................................................................................... 696 137 229 269 274 447 528 1,078 

 Housing....................................................................................................... 27,403 13,513 15,275 15,512 19,074 20,201 23,280 36,974 

 Shelter ..................................................................................................... 16,206 7,674 8,840 8,664 11,648 12,027 13,362 22,043 

 Owned dwellings .................................................................................. 10,168 2,178 2,392 3,062 4,775 6,146 8,077 15,761 

 Mortgage interest and charges......................................................... 4,348 736 720 1,379 2,122 2,565 3,351 6,842 

 Property taxes................................................................................... 3,088 802 900 1,094 1,484 1,677 2,538 4,727 

 Maintenance, repairs, insurance, and other expenses .................... 2,732 640 772 589 1,168 1,904 2,187 4,192 

 Rented dwellings.................................................................................. 4,381 5,304 6,134 5,354 6,626 5,462 4,426 3,295 

 Other lodging........................................................................................ 1,656 3192 314 249 247 419 859 2,988 

 Utilities, fuels, and public services .......................................................... 5,254 3,152 3,591 3,906 4,095 4,594 5,191 6,312 

 Natural gas........................................................................................... 571 285 327 405 449 455 535 726 

 Electricity.............................................................................................. 1,867 1,421 1,537 1,660 1,520 1,735 1,824 2,100 

 Fuel oil and other fuels......................................................................... 142 350 337 363 365 361 129 215 

 Telephone services.............................................................................. 1,830 964 1,154 1,198 1,467 1,633 1,875 2,220 

 Residential phone service, VOIP, and phone cards......................... 128 67 105 74 67 102 132 161 

 Cellular phone service ...................................................................... 1,702 897 1,049 1,125 1,400 1,531 1,743 2,059 

 Water and other public services .......................................................... 843 432 535 580 594 710 828 1,052 

 Household operations ............................................................................. 1,682 869 757 935 1,069 1,085 1,308 2,382 

 Personal services................................................................................. 201 362 355 3145 3112 365 382 334 

 Other household expenses .................................................................. 1,481 807 702 790 956 1,020 1,227 2,048 

 Housekeeping supplies ........................................................................... 903 545 775 716 591 599 832 1,152 

 Laundry and cleaning supplies ............................................................ 219 202 190 235 207 234 246 213 

 Other household products.................................................................... 567 296 529 463 315 298 475 767 

 Postage and stationery ........................................................................ 117 47 55 318 69 67 111 172 

 Household furnishings and equipment.................................................... 3,357 1,273 1,312 1,290 1,671 1,896 2,586 5,085 

 Household textiles................................................................................ 197 46 90 126 112 131 116 301 

 Furniture............................................................................................... 1,038 415 426 217 388 574 723 1,625 

 Floor coverings..................................................................................... 43 37 37 36 312 16 24 75 

 Major appliances .................................................................................. 491 187 202 160 433 228 429 709 

 Small appliances and miscellaneous housewares .............................. 154 127 69 85 132 109 133 202 

 Miscellaneous household equipment................................................... 1,434 491 518 695 594 838 1,162 2,173 

 Apparel and services.................................................................................. 2,426 1,208 799 1,064 1,696 1,756 1,875 3,495 

 Men and boys.......................................................................................... 612 374 253 285 523 336 470 881 

 Men, 16 and over ................................................................................. 441 3181 207 3195 348 269 345 638 

 Boys, 2 to 15 ........................................................................................ 171 3193 346 391 3175 67 125 243 

 Women and girls ..................................................................................... 982 518 312 434 424 790 843 1,401 

 Women, 16 and over............................................................................ 815 373 296 414 276 677 746 1,147 

 Girls, 2 to 15......................................................................................... 167 3146 316 320 3148 3113 98 253 

 Children under 2...................................................................................... 39 330 ( 4 ) 337 314 324 317 62 

 Footwear.................................................................................................. 461 169 122 3175 606 387 332 634 

 Other apparel products and services ...................................................... 333 116 112 133 130 220 212 517 

 Transportation ............................................................................................ 14,772 5,536 7,362 8,568 9,583 10,363 12,841 20,379 

 Vehicle purchases (net outlay)................................................................ 5,711 31,924 32,603 32,931 3,658 3,284 4,395 8,351 

 Cars and trucks, new ........................................................................... 2,487 31,093 3721 31,006 3502 31,276 1,386 4,059 

 Cars and trucks, used .......................................................................... 3,120 794 1,824 1,759 3,139 2,008 2,930 4,137 

 Other vehicles ...................................................................................... 104 338 358 3165 318 ( 4 ) 379 155 

 Gasoline, other fuels, and motor oil ........................................................ 3,416 1,649 2,150 2,385 2,474 2,944 3,368 4,247 

 Other vehicle expenses........................................................................... 4,732 1,705 2,377 3,033 3,201 3,607 4,492 6,292 

 Vehicle finance charges....................................................................... 382 64 148 166 254 275 360 541 

 Maintenance and repairs ..................................................................... 1,334 492 633 798 808 1,058 1,290 1,785 

 Vehicle rental, leases, licenses, and other charges ............................ 994 206 355 625 441 590 713 1,512 

 Vehicle insurance................................................................................. 2,022 942 1,242 1,445 1,697 1,685 2,130 2,454 

 Public and other transportation ............................................................... 914 258 231 220 249 527 586 1,489 

 Healthcare .................................................................................................. 5,870 1,980 2,167 2,304 3,197 4,191 5,587 8,298 

 Health insurance ..................................................................................... 3,827 1,134 1,281 1,521 2,234 2,703 3,816 5,373 

 Medical services...................................................................................... 1,285 563 448 393 478 897 1,129 1,881 

 Drugs ....................................................................................................... 533 218 376 286 382 416 451 712 

 Medical supplies...................................................................................... 226 65 62 104 103 175 191 332 

 Entertainment ............................................................................................. 4,587 1,442 1,248 1,815 1,972 2,234 2,885 7,388 

 Fees and admissions .............................................................................. 1,067 99 136 283 464 349 540 1,872 

 Audio and visual equipment and services .............................................. 1,150 674 638 656 781 824 1,168 1,482 

 Pets, toys, hobbies, and playground equipment..................................... 1,036 466 353 574 475 703 748 1,546 

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 Surveys, 2021-2022 — 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

 Pets ...................................................................................................... 851 339 280 548 418 596 563 1,275 

 Toys, hobbies, and playground equipment.......................................... 185 3127 372 326 358 108 185 271 

 Other entertainment supplies, equipment, and services ........................ 1,334 203 121 3303 252 358 429 2,487 

 Personal care products and services ......................................................... 1,006 454 471 667 618 645 818 1,419 

 Reading ...................................................................................................... 104 357 355 341 346 48 82 157 

 Education.................................................................................................... 2,621 453 315 254 483 670 1,366 4,740 

 Tobacco products and smoking supplies................................................... 399 561 383 584 463 454 421 324 

 Miscellaneous............................................................................................. 1,324 518 634 654 598 764 1,062 1,952 

 Cash contributions...................................................................................... 2,706 562 561 656 1,015 1,145 1,886 4,461 

 Personal insurance and pensions .............................................................. 12,458 499 1,403 3,063 4,099 5,718 8,531 21,041 

 Life and other personal insurance........................................................... 621 175 129 219 219 350 388 1,006 

 Pensions and Social Security ................................................................. 11,836 323 1,273 2,844 3,879 5,368 8,144 20,035 

Sources of income and personal taxes:

 Income before taxes ................................................................................... $124,498 $6,506 $22,636 $35,034 $44,493 $59,472 $84,245 $207,510 

 Wages and salaries................................................................................. 107,917 2,695 13,736 28,961 37,145 51,756 75,000 180,867 

 Self-employment income......................................................................... 10,163 -426 870 2,275 2,944 3,343 5,189 18,298 

 Social Security, private and government retirement............................... 2,175 1,425 4,181 2,143 2,192 1,965 1,541 2,239 

 Interest, dividends, rental income, and other property income............... 2,175 3110 224 357 366 153 652 4,292 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP)................................................. 568 2,126 1,952 929 839 508 340 138 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support................................................... 1,038 426 1,355 630 1,014 1,367 1,118 1,034 

 Other income........................................................................................... 461 3150 3318 340 3292 3380 404 642 

 Personal taxes (contains some imputed values) ....................................... 17,592 -3,170 -3,499 -2,441 -1,846 857 5,607 36,783 

 Federal income taxes.............................................................................. 14,624 -1,699 -2,233 -1,542 -615 1,326 4,508 30,066 

 Stimulus payment (new UCC Q20202)#................................................. -1,368 -1,423 -1,287 -1,339 -1,915 -1,710 -1,147 -1,300 

 State and local income taxes .................................................................. 4,260 -64 -1 413 663 1,191 2,200 7,895 

 Other taxes.............................................................................................. 75 317 321 328 320 350 346 121 

 Income after taxes ...................................................................................... 106,907 9,675 26,136 37,475 46,340 58,615 78,637 170,728 

Addenda:

 Net change in total assets and liabilities .................................................... -$536 -$388 $7,631 $3,641 $7,947 $953 -$27,764 $5,315 

 Net change in total assets....................................................................... 26,443 10,836 7,508 11,706 18,079 13,793 -1,283 46,752 

 Net change in total liabilities.................................................................... 26,979 11,224 -123 8,066 10,131 12,841 26,481 41,437 

 Other financial information:

 Other money receipts.............................................................................. 1,119 3425 3354 369 3150 3450 3475 1,969 

 Mortgage principal paid on owned property............................................ -4,162 -610 -799 -1,003 -1,610 -2,215 -2,881 -6,807 

 Estimated market value of owned home................................................. 319,460 114,757 96,573 106,054 134,668 190,577 249,177 488,060 

 Estimated monthly rental value of owned home..................................... 1,557 533 574 707 802 1,004 1,308 2,274 

1

 Data are rounded to the nearest thousands.

2

 Value is too small to display.

3

 Data are likely to have large sampling errors.

4

 No data reported.

# Data collection for this item began in June 2020. Stimulus payments delivered to respondents interviewed in April and May of 2020 were not included in estimation.

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2023