Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Number of consumer units (in thousands) ....... 24,014 568 830 962 1,052 2,098 2,428 2,316 4,116 9,645 

Consumer unit characteristics: 

Income before taxes ..................................... $72,769 - $1,429 $7,754 $12,637 $17,296 $25,117 $34,760 $44,799 $59,361 $127,143 

Income after taxes ........................................ 69,045 -1,399 7,767 12,945 17,456 24,708 33,904 43,529 56,550 119,632 

Age of reference person ................................ 49.3 48.8 49.4 49.4 49.1 49.4 49.4 49.2 49.4 49.3 

Average number in consumer unit:

Persons ........................................................ 2.7 1.9 1.9 2.2 2.1 2.1 2.3 2.6 2.7 3.1 

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

Persons 65 and over .................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) .1 1 ( ) 1 ( ) 1 ( )

Earners ........................................................ 1.7 .6 .5 .9 1.1 1.3 1.5 1.7 1.9 2.2 

Vehicles ....................................................... 2.4 .9 .8 1.1 1.4 1.5 1.9 2.1 2.6 3.1 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 32 28 39 40 42 45 46 51 56 

Female ......................................................... 51 68 72 61 60 58 55 54 49 44 

Housing tenure:

Homeowner .................................................. 76 36 37 46 48 57 64 72 83 93 

With mortgage ............................................ 58 18 18 24 26 36 45 53 64 78 

Without mortgage ....................................... 18 18 18 22 22 21 18 19 20 16 

Renter .......................................................... 24 64 63 54 52 43 36 28 17 7 

Race of reference person:

Black or African-American ........................... 13 35 32 24 20 19 16 15 10 7 

White, Asian, and all other races ................. 87 65 68 76 80 81 84 85 90 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 9 8 10 15 16 15 10 9 9 6 

Not Hispanic or Latino .................................. 91 92 90 85 84 85 90 91 91 94 

Education of reference person:

Elementary (1-8) .......................................... 4 6 13 15 10 6 5 4 3 1 

High school (9-12) ........................................ 33 46 51 50 53 46 44 39 34 19 

College ......................................................... 63 48 36 35 36 47 51 57 63 79 

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

At least one vehicle owned or leased ............ 92 57 56 71 80 87 92 95 97 99 

Average annual expenditures .......................... $54,359 $24,874 $17,044 $18,813 $24,601 $27,751 $33,566 $38,288 $48,217 $83,207 

Food ............................................................... 7,009 4,702 3,226 3,027 4,382 4,133 4,643 5,374 6,615 9,730 

Food at home ............................................... 3,944 2,899 2,432 2,244 2,914 2,746 2,965 3,155 3,914 5,027 

Cereals and bakery products ..................... 523 394 325 319 364 352 376 423 526 667 

Cereals and cereal products .................... 170 137 134 112 123 122 129 137 168 210 

Bakery products ....................................... 353 257 191 207 240 229 247 286 358 457 

Meats, poultry, fish, and eggs .................... 1,014 783 711 581 818 759 784 824 1,064 1,233 

Beef .......................................................... 310 200 194 182 278 211 236 247 360 371 

Pork .......................................................... 200 164 169 136 135 166 174 171 206 234 

Other meats ............................................. 128 126 77 83 110 98 102 117 121 156 

Poultry ...................................................... 179 146 140 95 132 129 127 130 189 224 

Fish and seafood ..................................... 153 105 93 54 121 117 103 121 147 201 

Eggs ......................................................... 43 41 38 32 42 38 41 38 41 47 

Dairy products ............................................ 435 307 241 228 319 289 327 362 425 561 

Fresh milk and cream .............................. 160 134 110 101 132 117 133 150 152 193 

Other dairy products ................................ 275 173 132 127 187 172 194 212 273 368 

Fruits and vegetables ................................. 643 442 353 372 482 426 482 491 605 848 

Fresh fruits ............................................... 215 138 103 129 139 143 154 152 192 294 

Fresh vegetables ..................................... 211 158 110 110 167 139 157 160 199 277 

Processed fruits ....................................... 120 75 69 62 100 77 99 98 117 153 

Processed vegetables .............................. 98 70 71 71 75 67 72 81 96 124 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other food at home .................................... $1,329 $973 $801 $743 $931 $920 $996 $1,054 $1,293 $1,717 

Sugar and other sweets ........................... 152 94 88 84 110 104 100 97 153 204 

Fats and oils ............................................. 106 78 86 64 130 85 80 103 96 125 

Miscellaneous foods ................................ 656 474 360 326 358 432 489 505 651 865 

Nonalcoholic beverages ........................... 368 314 250 251 308 287 293 322 351 446 

Food prepared by consumer unit on

out-of-town trips ..................................... 48 413 416 419 425 13 34 26 42 77 

Food away from home ................................. 3,066 1,803 794 783 1,468 1,388 1,678 2,219 2,702 4,704 

Alcoholic beverages ....................................... 479 230 143 112 182 221 271 382 435 721 

Housing .......................................................... 16,800 9,782 7,008 7,152 9,331 9,638 11,529 12,920 14,833 24,447 

Shelter .......................................................... 9,889 6,121 4,089 4,072 5,165 5,622 6,572 7,388 8,557 14,636 

Owned dwellings ........................................ 7,420 2,300 1,184 1,443 2,222 2,767 3,708 4,943 6,616 12,305 

Mortgage interest and charges ................ 4,344 1,289 593 745 1,210 1,470 2,229 2,934 3,961 7,207 

Property taxes .......................................... 1,843 759 393 406 626 711 862 1,329 1,649 3,006 

Maintenance, repairs, insurance, other

expenses ................................................ 1,233 252 198 291 387 586 617 680 1,007 2,091 

Rented dwellings ........................................ 1,732 3,618 2,855 2,595 2,849 2,723 2,685 2,235 1,548 820 

Other lodging ............................................. 736 4203 450 434 94 132 178 210 394 1,512 

Utilities, fuels, and public services ............... 3,554 2,147 2,096 2,224 2,214 2,617 2,842 3,234 3,491 4,529 

Natural gas ................................................. 505 323 316 256 294 373 372 443 495 661 

Electricity .................................................... 1,281 837 890 955 845 988 1,047 1,199 1,255 1,574 

Fuel oil and other fuels ............................... 160 463 447 73 88 93 113 142 157 225 

Telephone services .................................... 1,204 709 628 723 749 881 999 1,093 1,177 1,541 

Water and other public services ................. 404 216 215 218 237 283 311 357 407 527 

Household operations .................................. 680 229 153 167 224 283 334 347 566 1,154 

Personal services ....................................... 133 437 437 432 419 70 85 69 118 216 

Other household expenses ........................ 547 192 117 136 205 212 248 278 448 938 

Housekeeping supplies ................................ 736 562 278 297 581 362 509 606 669 1,023 

Laundry and cleaning supplies .................. 171 146 131 117 126 105 150 200 173 196 

Other household products .......................... 387 298 90 121 390 181 254 243 331 568 

Postage and stationery .............................. 178 117 58 59 65 76 106 163 165 258 

Household furnishings and equipment ......... 1,940 723 392 392 1,147 754 1,273 1,345 1,550 3,105 

Household textiles ...................................... 170 119 413 40 199 54 96 112 146 261 

Furniture ..................................................... 415 175 149 124 246 116 246 225 289 708 

Floor coverings .......................................... 76 415 43 43 414 19 14 43 61 143 

Major appliances ........................................ 238 433 74 45 41 131 102 185 266 362 

Small appliances, miscellaneous

housewares .............................................. 125 56 26 21 111 53 99 44 98 200 

Miscellaneous household equipment ......... 915 324 128 158 535 381 716 735 691 1,431 

Apparel and services ..................................... 2,269 1,131 938 1,206 1,026 1,053 1,366 1,493 1,832 3,485 

Men and boys .............................................. 558 223 215 313 200 219 305 317 490 874 

Men, 16 and over ....................................... 467 156 172 223 154 157 234 251 410 752 

Boys, 2 to 15 .............................................. 91 67 43 90 47 62 71 65 80 122 

Women and girls .......................................... 964 538 324 421 558 427 615 767 828 1,419 

Women, 16 and over .................................. 831 482 302 361 518 384 534 643 717 1,215 

Girls, 2 to 15 ............................................... 133 56 22 60 39 43 81 124 111 204 

Children under 2 .......................................... 53 447 411 438 22 40 31 36 43 76 

Footwear ...................................................... 377 202 271 348 4104 244 288 226 280 542 

Other apparel products and services ........... 318 121 116 86 142 124 126 147 192 574 

Transportation ................................................ 9,612 3,655 2,603 3,147 3,767 5,284 6,097 7,023 9,256 14,444 

Vehicle purchases (net outlay) ..................... 3,909 41,544 41,025 4977 1,108 1,986 2,252 2,592 3,898 6,050 

Cars and trucks, new ................................. 1,980 4568 3 ( ) 4409 4608 809 548 1,166 1,571 3,525 

Cars and trucks, used ................................ 1,825 4907 1,022 569 501 1,156 1,700 1,376 2,143 2,367 

Other vehicles ............................................ 104 469 44 3 ( ) 3 ( ) 421 43 450 185 158 

Gasoline and motor oil ................................. 2,208 929 725 1,094 1,220 1,435 1,718 1,907 2,256 2,972 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other vehicle expenses ............................... $2,954 $935 $677 $949 $1,295 $1,660 $1,919 $2,327 $2,752 $4,425 

Vehicle finance charges ............................. 364 480 63 79 104 197 247 315 389 529 

Maintenance and repairs ........................... 823 326 180 250 379 447 537 671 735 1,237 

Vehicle insurance ....................................... 1,219 403 364 537 550 783 875 1,061 1,198 1,711 

Vehicle rental, leases, licenses, and other

charges .................................................... 548 125 70 82 262 233 259 280 429 948 

Public transportation .................................... 541 247 176 127 143 203 209 197 350 996 

Healthcare ...................................................... 2,693 1,261 695 1,146 1,485 1,675 1,981 2,394 2,731 3,687 

Health insurance .......................................... 1,294 367 332 562 684 811 940 1,179 1,412 1,741 

Medical services .......................................... 792 459 121 265 475 383 523 627 729 1,179 

Drugs ........................................................... 480 328 211 272 282 423 427 458 480 582 

Medical supplies .......................................... 128 106 431 48 45 58 90 130 110 184 

Entertainment ................................................. 2,793 1,353 709 856 858 1,288 1,761 1,626 2,386 4,471 

Fees and admissions ................................... 709 236 82 73 123 167 266 287 504 1,335 

Audio and visual equipment and services .... 988 495 402 507 480 611 762 728 909 1,403 

Pets, toys, hobbies, and playground

equipment .................................................. 509 397 150 259 157 253 290 373 481 750 

Other entertainment supplies, equipment,

and services ............................................... 588 225 76 18 98 258 442 239 492 983 

Personal care products and services ............. 658 350 259 213 310 354 428 534 562 975 

Reading .......................................................... 146 56 29 27 53 69 83 106 132 232 

Education ....................................................... 1,669 213 158 196 347 259 402 374 855 3,456 

Tobacco products and smoking supplies ....... 402 364 360 442 517 447 445 400 423 362 

Miscellaneous ................................................ 865 606 278 222 595 494 668 510 975 1,194 

Cash contributions ......................................... 1,849 613 254 291 512 802 716 1,056 1,343 3,280 

Personal insurance and pensions .................. 7,116 559 384 777 1,236 2,034 3,177 4,094 5,838 12,723 

Life and other personal insurance ................ 492 77 97 97 129 170 242 312 417 837 

Pensions and Social Security ...................... 6,625 482 287 680 1,107 1,864 2,936 3,781 5,421 11,886 

Sources of income and personal taxes: 

Money income before taxes ........................... 72,769 -1,429 7,754 12,637 17,296 25,117 34,760 44,799 59,361 127,143 

Wages and salaries ..................................... 63,139 3,811 2,581 6,996 11,962 20,165 29,387 39,254 52,831 110,997 

Self-employment income ............................. 5,128 4-6,929 4-352 587 554 876 1,742 1,741 2,889 10,808 

Social Security, private and government

retirement ................................................... 2,184 4211 2,447 2,836 2,830 2,376 2,253 2,436 1,951 2,121 

Interest, dividends, rental income, other

property income ......................................... 1,025 255 410 47 138 242 291 255 549 2,095 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 335 4203 4333 4321 401 538 231 357 433 273 

Public assistance, supplemental security

income, food stamps .................................. 347 589 2,260 1,318 885 487 384 346 147 58 

Regular contributions for support ................. 410 497 274 348 407 325 336 317 420 502 

Other income ............................................... 200 4334 4201 4185 4119 108 137 94 141 289 

Personal taxes ............................................... 3,723 -30 -13 -308 -160 409 856 1,271 2,812 7,511 

Federal income taxes ................................... 2,710 -39 -74 -356 -262 171 492 724 2,038 5,615 

State and local income taxes ....................... 787 4-27 13 11 41 166 265 394 535 1,529 

Other taxes .................................................. 226 436 48 36 62 72 98 152 239 367 

Income after taxes ......................................... 69,045 -1,399 7,767 12,945 17,456 24,708 33,904 43,529 56,550 119,632 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

45-54

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Addenda:

Net change in total assets and liabilities ........ - $10,123 - $1,408 - $2,119 - $932 - $2,728 - $629 - $12,121 - $2,285 - $10,235 - $16,444 

Net change in total assets ............................ 8,405 -88 2,749 3,333 -1,248 5,822 2,406 5,908 7,384 14,058 

Net change in total liabilities ........................ 18,528 1,320 4,868 4,265 1,480 6,451 14,527 8,193 17,620 30,501 

Other financial information:

Other money receipts ................................... 507 4524 454 4194 4191 329 195 491 892 566 

Mortgage principal paid on owned

property ...................................................... -2,860 -840 -538 -689 -869 -900 -1,363 -1,442 -2,329 -4,982 

Estimated market value of owned home ...... 184,143 74,331 37,637 37,767 64,591 75,061 87,866 122,884 161,088 303,350 

Estimated monthly rental value of owned

home .......................................................... 963 346 291 301 374 465 563 693 899 1,489 

Gifts of goods and services ............................ 1,903 582 359 638 623 706 862 701 1,230 3,462 

Food ............................................................. 178 412 36 25 49 26 63 53 110 352 

Alcoholic beverages ..................................... 22 43 415 41 43 410 43 16 15 37 

Housing ........................................................ 371 193 103 109 237 115 207 171 267 632 

Housekeeping supplies .............................. 59 430 410 30 479 31 37 38 55 84 

Household textiles ...................................... 19 2 ( ) 43 414 418 48 45 48 37 24 

Appliances and miscellaneous

housewares .............................................. 29 49 48 43 422 412 414 436 18 46 

Major appliances ...................................... 10 47 46 3 ( ) 41 46 45 430 4 13 

Small appliances and miscellaneous

housewares ............................................ 19 42 41 43 420 46 48 46 15 32 

Miscellaneous household equipment ......... 83 443 410 411 49 22 91 48 87 120 

Other housing ............................................ 180 4110 472 451 70 43 60 42 70 359 

Apparel and services ................................... 280 137 53 321 81 140 211 221 243 396 

Males, 2 and over ...................................... 74 446 45 90 413 27 71 40 67 107 

Females, 2 and over .................................. 109 446 418 80 436 45 81 104 103 152 

Children under 2 ........................................ 37 438 49 34 19 24 22 25 33 52 

Other apparel products and services ......... 60 48 422 4117 413 43 37 52 40 84 

Jewelry and watches ................................ 18 43 45 44 413 14 410 419 17 26 

All other apparel products and services ... 41 44 417 4114 3 ( ) 429 427 433 23 58 

Transportation .............................................. 89 3 ( ) 2 ( ) 437 109 122 86 35 57 124 

Health care ................................................... 46 432 411 411 49 415 411 421 46 80 

Entertainment ............................................... 110 416 49 437 31 62 73 60 78 183 

Toys, games, arts and crafts, and

tricycles .................................................... 29 412 45 415 416 26 27 24 35 35 

Other entertainment ................................... 81 44 43 422 416 36 46 35 44 148 

Personal care products and services ........... 26 412 45 43 415 10 23 27 13 40 

Reading ........................................................ 1 2 ( ) 3 ( ) 2 ( ) 41 41 41 2 ( ) 3 1 

Education ..................................................... 674 446 429 493 480 436 97 43 318 1,478 

All other gifts ................................................ 107 4132 97 41 48 170 88 54 80 140 

1 Value less than 0.05. 2 Value less than or equal to 0.5. 3 No data reported.4 Data are likely to have large sampling errors.

n.a. Not applicable.