Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

35-44

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) ....... 23,936 555 720 893 877 2,270 2,717 2,523 4,472 8,909 

Consumer unit characteristics: 

Income before taxes ..................................... $69,242 - $3,634 $7,735 $12,706 $17,418 $24,898 $34,748 $44,772 $59,454 $123,187 

Income after taxes ........................................ 66,573 -3,385 7,968 13,071 17,642 24,980 34,338 44,040 57,632 117,149 

Age of reference person ................................ 39.7 39.9 39.5 39.7 39.8 39.6 39.4 39.9 39.4 39.8 

Average number in consumer unit:

Persons ........................................................ 3.2 2.3 2.3 2.5 2.8 2.9 3.0 3.1 3.3 3.6 

Children under 18 ........................................ 1.3 .9 .9 1.0 1.2 1.2 1.2 1.2 1.3 1.5 

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

Earners ........................................................ 1.7 .6 .6 .9 1.1 1.3 1.5 1.7 1.8 2.0 

Vehicles ....................................................... 2.1 .9 .8 1.0 1.2 1.5 1.8 2.2 2.3 2.6 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 34 39 40 41 41 43 48 52 53 

Female ......................................................... 52 66 61 60 59 59 57 52 48 47 

Housing tenure:

Homeowner .................................................. 69 37 28 30 39 44 60 67 74 89 

With mortgage ............................................ 59 21 13 15 24 28 48 56 64 82 

Without mortgage ....................................... 11 16 15 15 15 15 12 11 11 8 

Renter .......................................................... 31 63 72 70 61 56 40 33 26 11 

Race of reference person:

Black or African-American ........................... 14 19 31 26 30 22 17 12 12 7 

White, Asian, and all other races ................. 86 81 69 74 70 78 83 88 88 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 14 17 19 20 22 21 19 15 13 9 

Not Hispanic or Latino .................................. 86 83 81 80 78 79 81 85 87 91 

Education of reference person:

Elementary (1-8) .......................................... 4 10 9 8 8 7 6 4 2 1 

High school (9-12) ........................................ 35 48 57 57 55 47 45 43 34 19 

College ......................................................... 61 42 33 33 36 46 49 53 64 80 

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

At least one vehicle owned or leased ............ 91 57 54 69 79 85 91 95 96 97 

Average annual expenditures .......................... $52,905 $22,707 $16,153 $21,862 $22,310 $28,415 $35,427 $40,874 $49,774 $80,038 

Food ............................................................... 7,052 3,974 2,740 4,587 3,830 4,561 5,432 5,962 6,895 9,471 

Food at home ............................................... 4,008 2,656 1,926 3,369 2,563 2,907 3,212 3,564 3,935 5,051 

Cereals and bakery products ..................... 558 372 305 447 390 381 461 485 541 707 

Cereals and cereal products .................... 189 156 95 178 174 127 157 165 187 230 

Bakery products ....................................... 369 216 210 269 216 254 303 320 353 477 

Meats, poultry, fish, and eggs .................... 992 715 525 949 682 797 813 955 996 1,173 

Beef .......................................................... 303 194 158 268 221 239 240 291 300 366 

Pork .......................................................... 202 144 115 213 160 185 174 181 211 226 

Other meats ............................................. 129 111 49 115 80 97 107 112 129 160 

Poultry ...................................................... 176 119 88 178 119 131 150 176 177 207 

Fish and seafood ..................................... 141 108 90 133 63 106 102 154 141 169 

Eggs ......................................................... 41 40 26 43 40 39 39 42 39 44 

Dairy products ............................................ 459 348 215 379 283 304 385 390 449 587 

Fresh milk and cream .............................. 184 176 94 177 132 140 161 172 180 218 

Other dairy products ................................ 276 173 121 201 151 164 223 218 269 369 

Fruits and vegetables ................................. 639 432 276 494 416 439 497 602 609 819 

Fresh fruits ............................................... 208 149 86 155 117 136 159 215 185 273 

Fresh vegetables ..................................... 201 143 75 150 137 140 152 177 207 255 

Processed fruits ....................................... 127 68 66 92 86 88 99 109 117 167 

Processed vegetables .............................. 103 72 49 97 76 76 87 101 100 123 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

35-44

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 .................................... $1,360 $790 $605 $1,101 $793 $987 $1,057 $1,132 $1,341 $1,764 

Sugar and other sweets ........................... 145 114 89 110 85 97 112 118 148 186 

Fats and oils ............................................. 98 70 51 91 72 74 82 94 99 117 

Miscellaneous foods ................................ 710 391 270 627 400 515 552 552 670 945 

Nonalcoholic beverages ........................... 364 213 190 265 230 291 288 334 383 444 

Food prepared by consumer unit on

out-of-town trips ..................................... 43 43 45 47 45 10 23 34 42 73 

Food away from home ................................. 3,044 1,318 814 1,217 1,267 1,654 2,220 2,398 2,959 4,420 

Alcoholic beverages ....................................... 523 206 96 167 155 204 326 620 475 761 

Housing .......................................................... 17,712 10,019 7,289 8,662 8,790 10,077 12,373 13,919 15,907 26,305 

Shelter .......................................................... 10,417 6,607 4,480 5,304 5,375 5,969 7,104 8,237 9,395 15,418 

Owned dwellings ........................................ 7,548 3,275 1,125 1,506 1,713 2,108 3,976 5,306 6,673 13,063 

Mortgage interest and charges ................ 4,944 1,985 602 917 1,122 1,295 2,694 3,546 4,411 8,539 

Property taxes .......................................... 1,660 675 340 407 401 515 803 1,045 1,449 2,910 

Maintenance, repairs, insurance, other

expenses ................................................ 944 615 182 181 190 297 479 716 812 1,615 

Rented dwellings ........................................ 2,465 3,111 3,300 3,719 3,608 3,795 2,994 2,793 2,442 1,536 

Other lodging ............................................. 405 4221 455 479 454 66 133 138 280 819 

Utilities, fuels, and public services ............... 3,442 2,186 1,933 2,209 2,455 2,620 2,929 3,156 3,472 4,295 

Natural gas ................................................. 498 228 221 298 363 377 412 449 477 651 

Electricity .................................................... 1,254 937 828 898 1,025 1,020 1,101 1,150 1,248 1,506 

Fuel oil and other fuels ............................... 118 476 469 467 439 43 87 142 116 160 

Telephone services .................................... 1,179 753 644 752 751 931 990 1,083 1,224 1,458 

Water and other public services ................. 393 193 171 193 278 248 339 332 406 520 

Household operations .................................. 1,073 296 198 250 200 319 425 535 756 2,062 

Personal services ....................................... 620 4125 474 4124 478 153 202 242 385 1,271 

Other household expenses ........................ 453 171 124 125 122 166 223 293 372 791 

Housekeeping supplies ................................ 697 247 253 355 281 380 550 494 670 1,003 

Laundry and cleaning supplies .................. 166 63 99 125 101 139 137 149 187 194 

Other household products .......................... 361 119 104 171 145 170 296 238 314 549 

Postage and stationery .............................. 169 66 50 59 35 71 118 107 169 260 

Household furnishings and equipment ......... 2,083 683 425 545 479 790 1,366 1,496 1,614 3,527 

Household textiles ...................................... 171 435 15 32 70 87 187 140 113 263 

Furniture ..................................................... 585 229 174 161 113 198 213 337 441 1,085 

Floor coverings .......................................... 53 48 45 44 47 11 5 55 67 86 

Major appliances ........................................ 241 448 418 71 71 61 99 269 195 404 

Small appliances, miscellaneous

housewares .............................................. 99 415 32 32 43 58 59 63 68 164 

Miscellaneous household equipment ......... 935 349 180 246 174 375 803 632 730 1,524 

Apparel and services ..................................... 2,253 951 828 1,403 1,179 1,552 1,767 1,408 2,106 3,232 

Men and boys .............................................. 565 152 206 447 215 361 430 381 548 806 

Men, 16 and over ....................................... 380 495 94 364 136 212 283 261 369 547 

Boys, 2 to 15 .............................................. 185 58 111 83 79 149 147 119 179 259 

Women and girls .......................................... 864 329 321 479 409 569 639 506 841 1,254 

Women, 16 and over .................................. 625 230 200 336 296 353 492 363 644 900 

Girls, 2 to 15 ............................................... 239 98 121 144 113 216 148 143 198 354 

Children under 2 .......................................... 96 460 438 43 50 75 84 65 70 141 

Footwear ...................................................... 407 4259 4148 309 359 409 433 295 413 467 

Other apparel products and services ........... 322 151 116 124 146 138 181 162 234 565 

Transportation ................................................ 9,570 3,506 2,210 2,953 3,357 5,415 6,423 7,371 10,189 14,145 

Vehicle purchases (net outlay) ..................... 4,295 41,316 4691 4849 846 2,350 2,567 2,856 4,794 6,636 

Cars and trucks, new ................................. 2,276 4511 3 ( ) 3 ( ) 492 4662 1,280 969 2,714 3,879 

Cars and trucks, used ................................ 1,893 4804 691 848 754 1,688 1,281 1,798 1,892 2,540 

Other vehicles ............................................ 126 3 ( ) 3 ( ) 41 3 ( ) 3 ( ) 46 489 188 218 

Gasoline and motor oil ................................. 2,125 919 805 1,019 1,256 1,480 1,759 1,974 2,249 2,761 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

35-44

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 ............................... $2,685 $1,040 $599 $944 $1,162 $1,436 $1,912 $2,255 $2,808 $3,892 

Vehicle finance charges ............................. 415 483 427 111 103 179 297 377 456 616 

Maintenance and repairs ........................... 706 451 257 311 371 442 509 556 716 993 

Vehicle insurance ....................................... 1,049 332 265 443 570 631 854 995 1,157 1,391 

Vehicle rental, leases, licenses, and other

charges .................................................... 516 174 49 79 118 186 252 328 479 892 

Public transportation .................................... 465 231 115 141 93 148 186 285 338 856 

Healthcare ...................................................... 2,277 716 549 808 973 1,345 1,657 2,031 2,293 3,272 

Health insurance .......................................... 1,184 318 259 369 574 672 899 1,117 1,307 1,629 

Medical services .......................................... 664 234 119 204 212 398 434 497 562 1,062 

Drugs ........................................................... 337 135 137 199 171 240 262 355 330 438 

Medical supplies .......................................... 92 429 434 436 416 35 63 62 93 143 

Entertainment ................................................. 2,638 745 671 819 846 1,134 1,623 1,929 2,399 4,272 

Fees and admissions ................................... 711 165 111 123 96 190 294 452 536 1,335 

Audio and visual equipment and services .... 975 441 432 479 503 556 715 872 1,015 1,341 

Pets, toys, hobbies, and playground

equipment .................................................. 465 78 85 111 169 262 347 355 438 707 

Other entertainment supplies, equipment,

and services ............................................... 488 61 44 106 79 126 267 250 411 888 

Personal care products and services ............. 644 286 211 276 323 375 444 496 568 965 

Reading .......................................................... 122 37 38 37 36 48 65 88 108 203 

Education ....................................................... 857 513 80 293 232 255 311 442 641 1,601 

Tobacco products and smoking supplies ....... 354 333 415 360 405 398 456 419 394 263 

Miscellaneous ................................................ 791 535 478 346 353 334 586 708 781 1,124 

Cash contributions ......................................... 1,503 256 222 316 514 656 884 1,188 1,263 2,516 

Personal insurance and pensions .................. 6,608 630 328 835 1,317 2,061 3,077 4,292 5,754 11,908 

Life and other personal insurance ................ 396 4249 438 73 141 125 171 260 314 708 

Pensions and Social Security ...................... 6,213 382 290 762 1,176 1,936 2,906 4,032 5,441 11,200 

Sources of income and personal taxes: 

Money income before taxes ........................... 69,242 -3,634 7,735 12,706 17,418 24,898 34,748 44,772 59,454 123,187 

Wages and salaries ..................................... 62,260 2,412 2,802 7,848 12,942 21,644 31,236 40,802 55,038 110,620 

Self-employment income ............................. 4,141 4-7,552 4139 469 4633 923 1,052 1,720 2,221 9,318 

Social Security, private and government

retirement ................................................... 775 4199 1,914 1,499 1,293 717 757 984 732 578 

Interest, dividends, rental income, other

property income ......................................... 745 58 454 23 94 62 309 135 235 1,716 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 272 4102 4144 4338 302 459 383 236 283 207 

Public assistance, supplemental security

income, food stamps .................................. 353 690 2,014 1,759 1,395 546 300 192 94 97 

Regular contributions for support ................. 564 4206 429 544 635 470 647 596 707 509 

Other income ............................................... 131 4251 4238 4226 4124 77 63 107 144 141 

Personal taxes ............................................... 2,669 -249 -233 -365 -224 -83 410 732 1,822 6,038 

Federal income taxes ................................... 1,852 -273 -255 -383 -351 -270 101 354 1,145 4,451 

State and local income taxes ....................... 663 -22 3 2 ( ) 99 136 238 266 507 1,335 

Other taxes .................................................. 154 445 419 417 29 51 72 112 170 253 

Income after taxes ......................................... 66,573 -3,385 7,968 13,071 17,642 24,980 34,338 44,040 57,632 117,149 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

35-44

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 ........ - $13,834 - $5,261 - $611 - $447 - $4,271 $1,728 - $6,037 - $9,470 - $6,856 - $28,803 

Net change in total assets ............................ 14,995 3,915 -343 6,570 -843 6,751 6,105 10,644 16,680 24,528 

Net change in total liabilities ........................ 28,829 9,177 267 7,017 3,428 5,024 12,142 20,113 23,536 53,331 

Other financial information:

Other money receipts ................................... 379 460 443 470 41,128 236 241 103 392 532 

Mortgage principal paid on owned

property ...................................................... -2,585 -914 -284 -308 -554 -596 -1,173 -1,712 -2,075 -4,743 

Estimated market value of owned home ...... 162,079 63,724 33,268 31,831 44,165 50,965 78,856 103,893 140,595 284,244 

Estimated monthly rental value of owned

home .......................................................... 898 356 241 239 284 349 520 632 837 1,472 

Gifts of goods and services ............................ 1,005 640 193 309 393 402 1,005 508 983 1,513 

Food ............................................................. 81 439 453 48 433 23 44 43 56 145 

Alcoholic beverages ..................................... 23 416 43 46 415 11 19 10 17 37 

Housing ........................................................ 258 4233 43 72 79 98 469 114 195 362 

Housekeeping supplies .............................. 60 44 416 42 21 33 37 17 54 102 

Household textiles ...................................... 16 2 ( ) 41 3 ( ) 48 411 415 47 13 26 

Appliances and miscellaneous

housewares .............................................. 22 2 ( ) 41 43 49 46 416 49 7 43 

Major appliances ...................................... 8 3 ( ) 41 3 ( ) 41 3 ( ) 44 44 42 16 

Small appliances and miscellaneous

housewares ............................................ 14 2 ( ) 41 43 48 46 412 45 5 27 

Miscellaneous household equipment ......... 106 4162 47 48 413 24 348 33 70 121 

Other housing ............................................ 54 468 418 59 428 25 53 49 51 70 

Apparel and services ................................... 283 466 73 155 139 173 241 133 318 399 

Males, 2 and over ...................................... 78 424 423 448 417 24 55 27 97 118 

Females, 2 and over .................................. 102 2 ( ) 47 62 422 72 63 42 135 144 

Children under 2 ........................................ 42 441 435 412 413 37 31 34 32 60 

Other apparel products and services ......... 61 2 ( ) 48 434 488 440 92 30 54 77 

Jewelry and watches ................................ 21 2 ( ) 48 42 42 48 412 49 25 35 

All other apparel products and services ... 40 3 ( ) 3 ( ) 433 486 432 479 421 29 42 

Transportation .............................................. 56 417 2 ( ) 42 45 9 78 50 70 72 

Health care ................................................... 31 43 2 ( ) 42 411 45 44 416 63 42 

Entertainment ............................................... 66 412 410 428 417 19 53 52 65 101 

Toys, games, arts and crafts, and

tricycles .................................................... 22 46 44 412 46 49 18 16 23 33 

Other entertainment ................................... 44 46 46 416 411 10 35 36 42 68 

Personal care products and services ........... 32 410 43 412 13 7 24 19 17 58 

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

Education ..................................................... 108 4231 42 43 43 21 437 27 98 201 

All other gifts ................................................ 67 413 45 421 78 35 36 43 83 95 

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.