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

Expenditure Surveys, 2020-2021

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................................................... 22,440 1,573 1,718 1,520 1,575 2,529 3,614 9,912 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $118,050 $5,683 $22,581 $34,718 $44,537 $59,469 $84,110 $204,208 

 Income after taxes ...................................................................................... 101,841 8,361 26,367 37,076 45,816 58,183 78,333 168,300 

 Age of reference person ............................................................................. 49.6 49.8 49.6 49.3 49.4 49.5 49.8 49.6 

 Average number in consumer unit: 

 People ..................................................................................................... 2.9 2.0 2.3 2.4 2.5 2.6 2.8 3.4 

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

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

.1 3.1 .1 .1 .1 

 Earners .................................................................................................... 1.8 .6 1.0 1.4 1.4 1.6 1.9 2.3 

 Vehicles ................................................................................................... 2.2 1.2 1.2 1.5 1.7 1.8 2.2 2.8 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 48 42 32 44 40 47 50 53 

 Women .................................................................................................... 52 58 68 56 60 53 50 47 

 Housing tenure: 

 Homeowner ............................................................................................. 70 43 44 51 54 60 73 86 

 With mortgage ...................................................................................... 52 18 18 29 33 44 56 71 

 Without mortgage................................................................................. 18 25 26 23 21 16 17 15 

 Renter ...................................................................................................... 30 57 56 49 46 40 27 14 

 Race of reference person: 

 Black or African-American ...................................................................... 14 26 20 20 17 19 16 8 

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

 African-American ................................................................................. 86 74 80 80 83 81 84 92 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 18 18 31 29 28 21 18 11 

 Not Hispanic or Latino ............................................................................. 82 82 69 71 72 79 82 89 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 26 51 39 42 37 31 29 12 

 College .................................................................................................... 71 44 53 52 60 66 69 86 

 Never attended and other ....................................................................... ( 2 ) ( 2 ) 1 1 ( 2 ) 1 ( 2 ) ( 4 ) 

 At least one vehicle owned or leased ........................................................ 92 65 80 87 94 92 96 97 

Average annual expenditures........................................................................ $79,421 $31,843 $32,980 $38,686 $48,844 $53,081 $67,237 $117,487 

 Food ........................................................................................................... 9,707 6,028 4,349 5,264 6,461 6,986 8,995 13,474 

 Food at home .......................................................................................... 6,204 4,602 3,137 3,668 4,429 4,504 6,084 8,225 

 Cereals and bakery products ............................................................... 805 614 473 446 556 622 729 1,073 

 Cereals and cereal products ............................................................ 263 208 158 156 187 209 237 345 

 Bakery products ................................................................................ 542 406 315 289 369 413 492 728 

 Meats, poultry, fish, and eggs .............................................................. 1,330 1,102 732 920 1,025 1,005 1,377 1,665 

 Beef ................................................................................................... 362 316 179 245 303 283 412 434 

 Pork ................................................................................................... 261 282 161 157 233 217 271 307 

 Other meats ...................................................................................... 173 110 84 97 113 120 209 224 

 Poultry ............................................................................................... 244 210 133 162 201 189 226 311 

 Fish and seafood .............................................................................. 213 110 123 202 127 141 192 288 

 Eggs .................................................................................................. 78 74 52 55 48 55 68 101 

 Dairy products ...................................................................................... 571 423 281 332 420 411 535 767 

 Fresh milk and cream ....................................................................... 179 156 105 121 139 146 168 226 

 Other dairy products ......................................................................... 391 268 175 211 281 265 367 541 

 Fruits and vegetables .......................................................................... 1,231 894 601 810 878 897 1,168 1,636 

 Fresh fruits ........................................................................................ 439 294 200 276 316 305 398 603 

 Fresh vegetables .............................................................................. 395 252 167 288 298 320 388 512 

 Processed fruits ................................................................................ 153 127 95 97 89 93 151 206 

 Processed vegetables ...................................................................... 243 221 139 149 174 179 231 315 

 Other food at home .............................................................................. 2,266 1,568 1,050 1,160 1,550 1,569 2,274 3,083 

 Sugar and other sweets .................................................................... 207 142 103 112 124 141 198 287 

 Fats and oils ..................................................................................... 164 121 82 111 145 129 160 208 

 Miscellaneous foods ......................................................................... 1,218 848 557 544 822 771 1,236 1,692 

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, 2020-2021 — 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 ................................................................... 602 433 295 364 431 486 623 774 

 Food prepared by consumer unit on out of town trips ...................... 74 324 313 328 328 42 57 122 

 Food away from home ............................................................................ 3,503 1,426 1,212 1,596 2,032 2,482 2,911 5,249 

 Alcoholic beverages ................................................................................... 579 161 112 210 217 458 431 922 

 Housing ...................................................................................................... 25,516 13,501 14,503 15,370 17,379 18,696 22,694 34,987 

 Shelter ..................................................................................................... 15,052 7,693 8,663 9,042 10,113 11,147 12,942 20,798 

 Owned dwellings .................................................................................. 9,688 3,121 2,590 3,329 4,299 5,538 8,128 15,418 

 Mortgage interest and charges ......................................................... 4,365 1,045 919 1,614 1,873 2,578 3,641 7,026 

 Property taxes ................................................................................... 2,887 1,053 987 1,095 1,251 1,554 2,299 4,596 

 Maintenance, repairs, insurance, and other expenses .................... 2,436 1,022 684 621 1,175 1,406 2,189 3,796 

 Rented dwellings.................................................................................. 4,151 4,387 5,884 5,563 5,493 5,204 4,170 3,108 

 Other lodging ....................................................................................... 1,213 3185 189 3149 322 405 644 2,272 

 Utilities, fuels, and public services .......................................................... 5,023 3,221 3,326 3,729 4,049 4,211 5,000 6,172 

 Natural gas ........................................................................................... 485 312 345 335 350 386 441 623 

 Electricity .............................................................................................. 1,761 1,342 1,422 1,558 1,478 1,556 1,713 2,032 

 Fuel oil and other fuels ........................................................................ 126 373 331 346 3104 364 125 183 

 Telephone services .............................................................................. 1,844 1,030 1,067 1,268 1,537 1,542 1,921 2,295 

 Residential phone service, VOIP, and phone cards ........................ 155 113 77 104 137 104 147 202 

 Cellular phone service ...................................................................... 1,689 917 991 1,163 1,400 1,438 1,774 2,093 

 Water and other public services .......................................................... 807 464 460 522 581 663 800 1,039 

 Household operations ............................................................................. 1,561 809 731 914 972 1,011 1,191 2,294 

 Personal services................................................................................. 200 372 370 388 368 349 393 357 

 Other household expenses .................................................................. 1,362 737 662 826 905 961 1,098 1,937 

 Housekeeping supplies ........................................................................... 959 524 680 419 716 676 974 1,283 

 Laundry and cleaning supplies ............................................................ 211 175 151 186 188 219 236 223 

 Other household products ................................................................... 622 273 500 205 477 357 597 880 

 Postage and stationery ........................................................................ 126 376 329 27 52 100 141 180 

 Household furnishings and equipment ................................................... 2,920 1,254 1,102 1,266 1,527 1,651 2,587 4,438 

 Household textiles................................................................................ 141 113 55 109 94 112 131 183 

 Furniture ............................................................................................... 806 430 439 293 310 480 639 1,231 

 Floor coverings .................................................................................... 33 38 311 34 12 19 22 56 

 Major appliances .................................................................................. 454 236 196 233 389 206 450 643 

 Small appliances and miscellaneous housewares .............................. 158 88 59 75 98 104 144 227 

 Miscellaneous household equipment .................................................. 1,329 379 343 551 625 730 1,202 2,098 

 Apparel and services .................................................................................. 2,078 1,282 970 762 1,759 1,538 1,592 2,991 

 Men and boys .......................................................................................... 497 280 208 212 441 294 371 741 

 Men, 16 and over ................................................................................. 382 3198 186 140 322 196 235 601 

 Boys, 2 to 15 ........................................................................................ 115 382 322 373 3119 97 137 140 

 Women and girls ..................................................................................... 881 687 344 295 561 783 690 1,247 

 Women, 16 and over ........................................................................... 707 531 336 258 373 702 592 965 

 Girls, 2 to 15 ......................................................................................... 174 3156 38 337 3188 381 97 282 

 Children under 2 ...................................................................................... 40 319 35 330 317 328 332 59 

 Footwear ................................................................................................. 410 3208 306 3112 629 274 347 541 

 Other apparel products and services ...................................................... 251 88 108 112 111 159 153 403 

 Transportation ............................................................................................ 13,090 4,707 6,143 7,576 10,457 9,978 11,036 18,431 

 Vehicle purchases (net outlay) ............................................................... 5,744 31,530 32,098 2,634 5,306 4,136 3,821 8,703 

 Cars and trucks, new ........................................................................... 2,566 3634 31,207 3820 31,223 1,820 1,847 4,042 

 Cars and trucks, used .......................................................................... 3,100 881 891 1,804 4,051 2,032 1,959 4,571 

 Other vehicles ...................................................................................... 78 315 ( 4 ) 310 331 3284 316 90 

 Gasoline, other fuels, and motor oil ........................................................ 2,390 1,119 1,509 1,726 1,912 2,169 2,430 2,965 

 Other vehicle expenses .......................................................................... 4,483 1,891 2,345 3,076 3,140 3,361 4,466 5,985 

 Vehicle finance charges ....................................................................... 363 115 134 157 222 270 369 517 

 Maintenance and repairs ..................................................................... 1,152 416 707 659 815 846 1,221 1,527 

 Vehicle rental, leases, licenses, and other charges ............................ 973 443 298 635 476 614 768 1,470 

 Vehicle insurance................................................................................. 1,995 917 1,205 1,625 1,627 1,631 2,108 2,471 

 Public and other transportation ............................................................... 473 167 192 140 98 312 318 778 

 Healthcare .................................................................................................. 5,560 1,747 1,906 2,249 3,115 3,899 5,960 7,981 

 Health insurance ..................................................................................... 3,803 1,030 1,236 1,638 2,165 2,612 3,827 5,575 

 Medical services ...................................................................................... 1,100 392 409 323 443 856 1,427 1,500 

 Drugs ....................................................................................................... 473 217 197 245 397 341 497 640 

 Medical supplies ...................................................................................... 184 108 63 42 109 90 210 267 

 Entertainment ............................................................................................. 3,984 1,397 1,225 1,531 1,972 2,099 2,877 6,468 

 Fees and admissions .............................................................................. 734 103 149 173 387 215 384 1,342 

 Audio and visual equipment and services .............................................. 1,170 661 672 731 814 894 1,205 1,519 

 Pets, toys, hobbies, and playground equipment..................................... 911 366 288 509 530 602 649 1,406 

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, 2020-2021 — 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 ...................................................................................................... 716 274 246 475 500 415 501 1,098 

 Toys, hobbies, and playground equipment ......................................... 195 392 342 333 330 187 148 308 

 Other entertainment supplies, equipment, and services ........................ 1,170 267 115 118 241 388 639 2,202 

 Personal care products and services ......................................................... 897 317 369 464 574 610 787 1,315 

 Reading ...................................................................................................... 110 333 317 3104 344 61 60 177 

 Education.................................................................................................... 2,595 481 211 216 365 748 1,658 4,879 

 Tobacco products and smoking supplies ................................................... 389 396 377 658 588 446 452 279 

 Miscellaneous ............................................................................................. 1,264 394 683 628 817 762 1,059 1,881 

 Cash contributions...................................................................................... 2,329 920 655 728 1,118 1,165 1,422 3,909 

 Personal insurance and pensions .............................................................. 11,323 480 1,459 2,926 3,979 5,635 8,214 19,792 

 Life and other personal insurance .......................................................... 640 110 104 186 239 301 493 1,090 

 Pensions and Social Security ................................................................. 10,683 370 1,356 2,740 3,740 5,334 7,721 18,702 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $118,050 $5,683 $22,581 $34,718 $44,537 $59,469 $84,110 $204,208 

 Wages and salaries................................................................................. 101,823 2,973 13,862 28,653 36,332 51,463 76,293 176,537 

 Self-employment income ........................................................................ 9,288 -1,421 1,312 1,798 3,377 3,386 4,032 17,881 

 Social Security, private and government retirement ............................... 2,744 1,558 3,704 2,436 2,270 1,994 1,605 3,496 

 Interest, dividends, rental income, and other property income .............. 2,114 378 79 337 3182 293 599 4,431 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 560 1,787 1,984 731 859 519 301 149 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,098 403 1,436 893 1,169 1,369 1,127 1,089 

 Other income ........................................................................................... 424 3305 3204 3171 3349 444 154 625 

 Personal taxes (contains some imputed values) ....................................... 16,209 -2,677 -3,786 -2,358 -1,279 1,287 5,778 35,908 

 Federal income taxes .............................................................................. 14,554 -648 -1,693 -606 633 2,596 5,777 30,569 

 Stimulus payment (new UCC Q20202)# ................................................ -2,391 -1,959 -2,063 -2,165 -2,683 -2,612 -2,248 -2,500 

 State and local income taxes .................................................................. 3,971 -102 -50 391 739 1,237 2,195 7,723 

 Other taxes .............................................................................................. 75 332 320 322 332 365 354 116 

 Income after taxes ...................................................................................... 101,841 8,361 26,367 37,076 45,816 58,183 78,333 168,300 

Addenda: 

 Net change in total assets and liabilities .................................................... $2,886 $10,826 $3,686 $375 $5,089 -$2,760 -$21,819 $11,970 

 Net change in total assets ....................................................................... 33,576 13,251 5,207 9,717 14,228 8,318 12,271 62,662 

 Net change in total liabilities ................................................................... 30,690 2,425 1,522 9,342 9,140 11,078 34,090 50,691 

 Other financial information: 

 Other money receipts .............................................................................. 1,068 3482 3363 353 381 3947 355 1,886 

 Mortgage principal paid on owned property ........................................... -3,770 -873 -921 -1,329 -1,335 -2,163 -3,011 -6,172 

 Estimated market value of owned home................................................. 282,517 121,976 85,843 109,948 121,066 166,416 225,273 444,686 

 Estimated monthly rental value of owned home ..................................... 1,409 588 578 688 735 898 1,228 2,098 

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, 2022