Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020

Item 

Total 

35-44

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................................................... 22,318 1,512 1,741 1,611 1,845 3,122 3,887 8,601 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $103,696 $6,234 $22,860 $34,730 $44,848 $59,775 $84,038 $187,547 

 Income after taxes ...................................................................................... 91,088 7,745 27,214 37,996 46,188 57,898 78,331 156,046 

 Age of reference person ............................................................................. 39.4 39.6 39.6 39.6 39.3 39.5 39.2 39.4 

 Average number in consumer unit: 

 People ..................................................................................................... 3.4 2.4 3.0 3.2 3.3 3.2 3.4 3.7 

 Children under 18.................................................................................... 1.4 1.0 1.3 1.4 1.5 1.3 1.4 1.6 

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

 Earners .................................................................................................... 1.7 .7 1.2 1.4 1.4 1.6 1.8 2.0 

 Vehicles ................................................................................................... 2.0 1.0 1.3 1.5 1.6 1.8 2.1 2.4 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 50 38 42 37 47 47 53 56 

 Women .................................................................................................... 50 62 58 63 53 53 47 44 

 Housing tenure: 

 Homeowner ............................................................................................. 61 31 33 40 40 53 66 81 

 With mortgage ...................................................................................... 51 19 17 24 31 41 57 73 

 Without mortgage................................................................................. 10 12 17 16 9 12 9 8 

 Renter ...................................................................................................... 39 69 67 60 60 47 34 19 

 Race of reference person: 

 Black or African-American ...................................................................... 14 25 20 23 22 17 14 7 

 White, Asian, and all other races ............................................................ 86 75 80 77 78 83 86 93 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 20 21 37 31 27 25 18 11 

 Not Hispanic or Latino ............................................................................. 80 79 63 69 73 75 82 89 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 24 45 48 42 33 31 19 9 

 College .................................................................................................... 73 50 46 53 59 65 79 90 

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

 At least one vehicle owned or leased ........................................................ 92 65 79 90 91 95 96 97 

Average annual expenditures........................................................................ $74,528 $33,464 $33,618 $42,985 $46,230 $54,968 $69,714 $110,029 

 Food ........................................................................................................... 9,551 5,183 4,680 7,759 6,610 7,452 9,449 12,537 

 Food at home .......................................................................................... 5,833 3,593 3,260 5,204 4,214 4,500 6,163 7,256 

 Cereals and bakery products ............................................................... 782 506 518 686 547 576 843 962 

 Cereals and cereal products ............................................................ 264 187 145 223 190 201 275 330 

 Bakery products ................................................................................ 518 319 373 463 357 375 568 632 

 Meats, poultry, fish, and eggs .............................................................. 1,214 711 628 1,104 1,000 985 1,402 1,432 

 Beef ................................................................................................... 361 174 137 297 253 277 553 403 

 Pork ................................................................................................... 216 122 108 181 183 209 201 265 

 Other meats ...................................................................................... 167 112 99 150 136 143 183 196 

 Poultry ............................................................................................... 220 133 153 211 226 192 222 250 

 Fish and seafood .............................................................................. 178 103 89 213 141 102 177 229 

 Eggs .................................................................................................. 72 67 43 52 60 62 65 89 

 Dairy products ...................................................................................... 565 359 332 445 357 424 596 722 

 Fresh milk and cream ....................................................................... 179 121 115 158 121 143 193 217 

 Other dairy products ......................................................................... 386 238 218 287 236 281 403 505 

 Fruits and vegetables .......................................................................... 1,105 648 638 960 822 870 1,111 1,391 

 Fresh fruits ........................................................................................ 396 259 237 363 281 310 377 503 

 Fresh vegetables .............................................................................. 355 201 182 284 268 303 350 451 

 Processed fruits ................................................................................ 148 78 90 130 132 111 154 182 

 Processed vegetables ...................................................................... 206 112 129 183 141 145 230 256 

 Other food at home .............................................................................. 2,167 1,369 1,143 2,009 1,487 1,645 2,211 2,748 

 Sugar and other sweets .................................................................... 206 118 107 177 168 163 208 259 

 Fats and oils ..................................................................................... 146 113 74 119 126 106 153 181 

 Miscellaneous foods ......................................................................... 1,209 734 538 1,231 762 876 1,224 1,562 

 Nonalcoholic beverages ................................................................... 543 383 389 455 401 464 570 645 

See footnotes at end of table. 
Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

35-44

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 ..................... 62 421 437 428 430 36 55 101 

 Food away from home ............................................................................ 3,718 1,590 1,420 2,555 2,396 2,952 3,286 5,281 

 Alcoholic beverages ................................................................................... 548 184 101 194 258 296 429 918 

 Housing ...................................................................................................... 25,524 16,064 14,088 15,755 18,542 18,891 22,633 36,304 

 Shelter ..................................................................................................... 14,932 10,626 8,395 9,289 11,660 11,011 13,232 20,962 

 Owned dwellings .................................................................................. 8,558 2,856 1,700 2,478 3,839 4,768 7,300 15,044 

 Mortgage interest and charges ......................................................... 4,378 950 627 1,212 1,824 2,417 3,998 7,765 

 Property taxes ................................................................................... 2,347 693 447 622 974 1,201 1,830 4,291 

 Maintenance, repairs, insurance, other expenses ........................... 1,833 1,213 626 644 1,042 1,151 1,472 2,988 

 Rented dwellings.................................................................................. 5,533 6,727 6,536 6,613 7,563 5,953 5,404 4,388 

 Other lodging ....................................................................................... 841 41,043 4159 199 258 290 528 1,530 

 Utilities, fuels, and public services .......................................................... 4,501 3,079 3,213 3,637 3,893 4,287 4,546 5,361 

 Natural gas ........................................................................................... 447 309 290 371 371 347 411 586 

 Electricity .............................................................................................. 1,619 1,315 1,319 1,468 1,504 1,534 1,614 1,819 

 Fuel oil and other fuels ........................................................................ 80 421 428 429 470 61 104 109 

 Telephone services .............................................................................. 1,634 993 1,154 1,249 1,443 1,691 1,675 1,919 

 Residential phone service, VOIP, and phone cards ........................ 108 109 130 62 98 87 104 124 

 Cellular phone service ...................................................................... 1,526 884 1,023 1,188 1,345 1,604 1,571 1,795 

 Water and other public services .......................................................... 721 441 422 520 505 654 741 929 

 Household operations ............................................................................. 2,278 697 717 810 994 1,171 1,868 4,008 

 Personal services................................................................................. 1,127 4136 4164 4160 4229 337 770 2,318 

 Other household expenses .................................................................. 1,151 561 553 650 765 835 1,099 1,690 

 Housekeeping supplies ........................................................................... 801 631 510 604 458 706 730 1,028 

 Laundry and cleaning supplies ............................................................ 197 228 185 185 143 170 173 227 

 Other household products ................................................................... 498 365 282 370 238 417 467 660 

 Postage and stationery ........................................................................ 106 438 43 49 77 119 90 141 

 Household furnishings and equipment ................................................... 3,012 1,032 1,253 1,415 1,537 1,717 2,258 4,945 

 Household textiles................................................................................ 143 50 44 68 75 141 194 181 

 Furniture ............................................................................................... 721 439 432 377 385 477 629 1,096 

 Floor coverings .................................................................................... 36 410 45 48 48 11 17 75 

 Major appliances .................................................................................. 420 136 256 305 379 330 368 586 

 Small appliances, miscellaneous housewares .................................... 144 76 45 80 67 129 107 217 

 Miscellaneous household equipment .................................................. 1,548 321 471 577 623 628 942 2,790 

 Apparel and services .................................................................................. 2,247 1,167 1,126 1,467 1,290 1,637 1,910 3,245 

 Men and boys .......................................................................................... 536 283 390 334 321 400 391 782 

 Men, 16 and over ................................................................................. 317 4179 4286 4123 152 195 210 491 

 Boys, 2 to 15 ........................................................................................ 219 105 105 211 169 205 181 292 

 Women and girls ..................................................................................... 872 418 223 556 389 607 781 1,308 

 Women, 16 and over ........................................................................... 675 293 159 374 302 443 558 1,052 

 Girls, 2 to 15 ......................................................................................... 197 125 64 182 87 163 223 256 

 Children under 2 ...................................................................................... 115 442 460 4123 425 476 144 150 

 Footwear ................................................................................................. 503 4278 4335 273 335 434 442 675 

 Other apparel products and services ...................................................... 221 147 117 181 221 120 152 329 

 Transportation ............................................................................................ 13,139 5,354 7,241 7,659 8,565 10,742 14,180 18,093 

 Vehicle purchases (net outlay) ............................................................... 6,248 42,241 3,390 2,680 3,386 4,599 7,131 9,012 

 Cars and trucks, new ........................................................................... 2,740 4572 41,317 4391 41,057 41,199 3,566 4,396 

 Cars and trucks, used .......................................................................... 3,441 1,669 2,073 2,248 2,152 3,303 3,554 4,529 

 Other vehicles ...................................................................................... 66 ( 3 ) ( 3 ) 442 4177 497 411 86 

 Gasoline, other fuels, and motor oil ........................................................ 2,260 1,240 1,539 1,960 2,034 2,137 2,417 2,664 

 Other vehicle expenses .......................................................................... 4,037 1,632 2,172 2,840 2,871 3,616 4,118 5,419 

 Vehicle finance charges ....................................................................... 335 111 88 176 166 270 347 509 

 Maintenance and repairs ..................................................................... 978 444 592 773 708 925 1,027 1,235 

 Vehicle rental, leases, licenses, and other charges ............................ 964 216 269 403 429 610 842 1,640 

 Vehicle insurance................................................................................. 1,760 861 1,223 1,488 1,568 1,811 1,902 2,035 

 Public and other transportation ............................................................... 594 241 140 179 274 389 513 998 

 Healthcare .................................................................................................. 4,700 1,623 1,399 1,961 2,493 3,829 5,115 7,007 

 Health insurance ..................................................................................... 3,252 1,055 969 1,313 1,724 2,673 3,596 4,845 

 Medical services ...................................................................................... 943 262 237 338 461 748 1,041 1,448 

 Drugs ....................................................................................................... 364 266 116 241 235 306 349 495 

 Medical supplies ...................................................................................... 142 441 78 69 74 102 128 219 

 Entertainment ............................................................................................. 3,657 1,129 1,202 2,781 1,421 2,354 3,023 5,837 

 Fees and admissions .............................................................................. 951 255 105 280 272 453 676 1,782 

 Audio and visual equipment and services .............................................. 1,068 543 635 650 631 919 994 1,491 

 Pets, toys, hobbies, and playground equipment..................................... 1,087 213 333 1,663 360 706 1,074 1,506 

 Pets ...................................................................................................... 802 141 261 1,577 287 578 802 1,029 

See footnotes at end of table. 
Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

35-44

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 ......................................... 285 472 472 486 472 129 272 477 

 Other entertainment supplies, equipment, and services ........................ 551 4118 128 188 158 275 278 1,058 

 Personal care products and services ......................................................... 824 321 315 604 591 603 826 1,151 

 Reading ...................................................................................................... 96 425 416 425 31 83 107 149 

 Education.................................................................................................... 1,174 380 166 637 489 978 928 1,940 

 Tobacco products and smoking supplies ................................................... 354 434 391 423 376 402 435 260 

 Miscellaneous ............................................................................................. 961 605 708 430 903 811 933 1,236 

 Cash contributions...................................................................................... 2,029 475 431 533 815 1,142 1,690 3,641 

 Personal insurance and pensions .............................................................. 9,722 519 1,755 2,757 3,847 5,747 8,056 17,713 

 Life and other personal insurance .......................................................... 472 82 128 120 166 255 364 869 

 Pensions and Social Security ................................................................. 9,251 437 1,627 2,637 3,680 5,492 7,692 16,844 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $103,696 $6,234 $22,860 $34,730 $44,848 $59,775 $84,038 $187,547 

 Wages and salaries................................................................................. 93,248 4,246 16,856 29,070 38,863 54,024 77,782 169,259 

 Self-employment income ........................................................................ 6,891 -1,627 1,332 1,756 3,183 2,820 3,821 14,134 

 Social Security, private and government retirement ............................... 1,158 1,083 2,107 1,489 853 1,351 994 986 

 Interest, dividends, rental income, other property income ...................... 786 4137 4126 199 202 218 228 1,728 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 526 1,796 1,641 822 746 418 326 104 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 859 272 570 1,201 502 764 713 1,134 

 Other income ........................................................................................... 228 4326 4229 4194 4497 179 174 201 

 Personal taxes (contains some imputed values) ....................................... 12,608 -1,512 -4,354 -3,266 -1,340 1,877 5,706 31,501 

 Federal income taxes .............................................................................. 10,273 -604 -3,270 -2,780 -909 1,692 4,527 25,480 

 Stimulus payment (new UCC Q20202)# ................................................ -1,043 -819 -1,013 -815 -1,188 -1,090 -1,058 -1,077 

 State and local income taxes .................................................................. 3,325 -101 -85 282 718 1,247 2,175 7,021 

 Other taxes .............................................................................................. 53 412 413 447 439 427 62 76 

 Income after taxes ...................................................................................... 91,088 7,745 27,214 37,996 46,188 57,898 78,331 156,046 

Addenda: 

 Net change in total assets and liabilities .................................................... $3,995 $8,400 $3,035 -$421 $1,329 $1,313 $651 $7,297 

 Net change in total assets ....................................................................... 33,044 7,957 5,309 3,699 8,939 13,511 20,638 66,427 

 Net change in total liabilities ................................................................... 29,049 -443 2,274 4,120 7,609 12,198 19,986 59,130 

 Other financial information: 

 Other money receipts .............................................................................. 529 4333 4331 482 4663 4756 4519 580 

 Mortgage principal paid on owned property ........................................... -2,925 -638 -463 -808 -1,117 -1,571 -2,449 -5,317 

 Estimated market value of owned home................................................. 208,865 54,954 47,734 64,288 83,250 114,280 168,779 374,986 

 Estimated monthly rental value of owned home ..................................... 1,146 400 345 447 558 725 1,023 1,904 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 No data reported. 

4

 Data are likely to have large sampling errors. 

# 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, 2021