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

characteristics, Consumer Expenditure Survey, 2008-2009

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) ....... 22,516 509 543 734 855 2,186 2,162 2,035 3,787 9,706 

Consumer unit characteristics: 

Income before taxes ..................................... $77,297 - $2,606 $8,022 $12,813 $17,597 $24,916 $34,759 $44,530 $59,430 $130,613 

Income after taxes ........................................ 75,294 -1,821 8,169 13,386 18,344 25,729 35,376 44,707 59,175 125,548 

Age of reference person ................................ 39.7 39.6 39.5 39.5 39.3 39.5 39.5 39.7 39.6 39.9 

Average number in consumer unit:

Persons ........................................................ 3.3 2.7 2.3 2.5 2.7 2.9 3.1 3.1 3.3 3.6 

Children under 18 ........................................ 1.3 1.1 .9 1.1 1.2 1.2 1.4 1.2 1.3 1.5 

Persons 65 and older ................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( )

Earners ........................................................ 1.6 .6 .5 .8 1.0 1.3 1.4 1.6 1.8 2.0 

Vehicles ....................................................... 2.1 1.2 .9 1.1 1.2 1.4 1.6 1.8 2.2 2.7 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 40 45 39 33 39 45 44 49 52 

Female ......................................................... 52 60 55 61 67 61 55 56 51 48 

Housing tenure:

Homeowner .................................................. 66 43 28 26 29 41 49 55 70 86 

With mortgage ............................................ 57 28 16 16 16 28 38 46 60 79 

Without mortgage ....................................... 9 15 12 10 12 13 11 8 10 7 

Renter .......................................................... 34 57 72 74 71 59 51 45 30 14 

Race of reference person:

Black or African-American ........................... 14 22 23 19 19 21 22 21 12 8 

White, Asian, and all other races ................. 86 78 77 81 81 79 78 79 88 92 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 16 16 19 26 28 28 22 17 17 10 

Not Hispanic or Latino .................................. 84 84 81 74 72 72 78 83 83 90 

Education of reference person:

Elementary (1-8) .......................................... 4 8 10 10 5 8 5 5 3 1 

High school (9-12) ........................................ 31 40 54 47 51 49 45 35 35 17 

College ......................................................... 65 52 35 43 43 44 49 59 61 82 

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

At least one vehicle owned or leased ............ 92 69 60 72 79 87 87 94 95 98 

Average annual expenditures .......................... $58,070 $30,495 $21,482 $24,018 $25,399 $29,753 $36,847 $41,601 $50,136 $84,679 

Food ............................................................... 7,805 4,994 3,579 4,019 4,126 4,905 5,723 5,970 6,973 10,646

Food at home ............................................... 4,477 3,053 2,334 2,971 2,875 3,260 3,615 3,765 4,068 5,710 

Cereals and bakery products ..................... 624 414 278 368 420 440 483 497 590 808 

Cereals and cereal products .................... 218 164 102 123 166 174 185 177 199 273 

Bakery products ....................................... 406 250 176 246 253 267 297 321 390 534 

Meats, poultry, fish, and eggs .................... 998 707 502 786 691 760 925 946 917 1,196 

Beef .......................................................... 275 189 126 206 213 188 237 257 251 340 

Pork .......................................................... 197 145 91 154 140 173 179 198 207 218 

Other meats ............................................. 134 85 86 107 74 92 144 116 116 165 

Poultry ...................................................... 192 181 83 179 124 162 180 185 190 217 

Fish and seafood ..................................... 145 64 469 100 88 96 132 135 99 196 

Eggs ......................................................... 55 42 47 40 52 50 53 53 54 60 

Dairy products ............................................ 506 394 357 329 296 325 406 393 449 661 

Fresh milk and cream .............................. 196 166 168 144 120 144 189 150 175 242 

Other dairy products ................................ 310 227 189 184 176 182 218 243 275 419 

Fruits and vegetables ................................. 746 508 417 512 431 537 565 634 692 956 

Fresh fruits ............................................... 254 158 177 161 125 177 175 207 225 340 

Fresh vegetables ..................................... 233 176 115 173 128 174 176 199 216 297 

Processed fruits ....................................... 134 101 63 98 79 93 104 107 126 171 

Processed vegetables .............................. 125 72 62 81 99 94 110 122 125 149 

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, 2008-2009 — 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 .................................... $1,602 $1,031 $780 $976 $1,037 $1,197 $1,236 $1,295 $1,420 $2,088 

Sugar and other sweets ........................... 158 113 83 98 101 130 114 139 131 204 

Fats and oils ............................................. 117 64 53 89 93 100 104 109 103 142 

Miscellaneous foods ................................ 860 561 412 455 581 634 648 672 769 1,132 

Nonalcoholic beverages ........................... 416 278 223 319 244 320 356 345 379 521 

Food prepared by consumer unit on

out-of-town trips ..................................... 51 415 48 415 418 13 13 30 38 88 

Food away from home ................................. 3,328 1,941 1,245 1,048 1,251 1,645 2,108 2,205 2,905 4,936 

Alcoholic beverages ....................................... 480 501 248 188 200 167 305 323 363 724 

Housing .......................................................... 20,678 13,288 9,280 9,991 10,745 12,007 14,027 15,583 17,917 28,965 

Shelter .......................................................... 12,720 8,289 5,212 5,894 6,431 7,406 8,697 9,573 11,036 17,853

Owned dwellings ........................................ 8,945 5,028 1,658 1,631 1,669 2,888 4,068 5,038 7,562 14,563 

Mortgage interest and charges ................ 6,031 3,534 886 906 1,105 1,915 2,789 3,291 5,214 9,815 

Property taxes .......................................... 1,993 1,174 456 496 330 646 798 1,167 1,620 3,271 

Maintenance, repairs, insurance, other

expenses ................................................ 921 321 316 229 234 328 482 581 728 1,477 

Rented dwellings ........................................ 3,168 3,116 3,440 4,201 4,669 4,398 4,390 4,308 3,170 2,156 

Other lodging ............................................. 607 4145 4115 461 493 120 239 227 305 1,135 

Utilities, fuels, and public services ............... 4,112 2,913 2,447 2,512 2,743 3,131 3,381 3,768 4,072 4,981 

Natural gas ................................................. 557 391 311 257 283 395 405 471 518 729 

Electricity .................................................... 1,539 1,198 949 1,082 1,181 1,267 1,367 1,406 1,516 1,793 

Fuel oil and other fuels ............................... 149 485 483 4105 441 53 90 138 105 224 

Telephone services .................................... 1,343 958 789 821 966 1,064 1,136 1,327 1,404 1,556 

Water and other public services ................. 524 279 315 248 272 353 383 426 529 680 

Household operations .................................. 1,376 592 360 342 506 422 595 633 878 2,368 

Personal services ....................................... 760 4213 488 4105 4280 149 280 243 407 1,409 

Other household expenses ........................ 616 379 273 236 226 273 315 390 471 960 

Housekeeping supplies ................................ 681 461 307 421 392 398 467 525 588 939 

Laundry and cleaning supplies .................. 182 117 106 184 137 150 139 142 157 229 

Other household products .......................... 366 183 160 193 217 168 238 295 299 528 

Postage and stationery .............................. 133 160 441 44 37 79 90 88 132 182 

Household furnishings and equipment ......... 1,789 1,033 953 822 673 649 888 1,084 1,344 2,823 

Household textiles ...................................... 130 461 96 32 49 58 69 60 96 208 

Furniture ..................................................... 435 346 236 206 96 166 320 185 342 674 

Floor coverings .......................................... 37 411 47 48 42 7 6 26 33 63 

Major appliances ........................................ 227 4106 152 438 113 103 111 157 182 349 

Small appliances, miscellaneous

housewares .............................................. 96 138 106 25 51 59 47 98 60 136 

Miscellaneous household equipment ......... 862 371 357 513 362 256 335 558 630 1,393 

Apparel and services ..................................... 2,291 1,230 1,113 2,482 959 1,338 1,507 1,823 1,721 3,205 

Men and boys .............................................. 592 338 176 1,022 204 284 314 357 442 856 

Men, 16 and over ....................................... 428 4191 4109 938 102 190 181 239 318 627 

Boys, 2 to 15 .............................................. 164 147 67 85 102 94 133 119 123 229 

Women and girls .......................................... 848 453 459 586 334 479 574 739 620 1,209 

Women, 16 and over .................................. 606 334 234 521 212 343 426 460 436 875 

Girls, 2 to 15 ............................................... 242 119 225 65 121 136 149 279 184 334 

Children under 2 .......................................... 117 464 425 474 443 85 92 103 114 152 

Footwear ...................................................... 426 4228 4334 512 211 348 362 436 380 501 

Other apparel products and services ........... 307 147 119 288 168 141 165 187 164 487 

Transportation ................................................ 9,095 4,250 3,171 2,764 4,311 4,788 5,957 6,875 8,752 12,861 

Vehicle purchases (net outlay) ..................... 2,944 4966 4563 4392 41,104 1,238 1,806 2,289 2,601 4,446 

Cars and trucks, new ................................. 1,311 3 ( ) 3 ( ) 3 ( ) 4375 4390 4270 4907 741 2,381 

Cars and trucks, used ................................ 1,539 919 4563 392 607 783 1,489 1,382 1,762 1,922 

Other vehicles ............................................ 94 446 3 ( ) 3 ( ) 4122 465 447 3 ( ) 498 143 

Gasoline and motor oil ................................. 2,860 1,734 1,269 1,363 1,580 2,046 2,162 2,423 2,993 3,613 

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, 2008-2009 — 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 ............................... $2,751 $1,393 $1,231 $871 $1,275 $1,348 $1,775 $1,897 $2,824 $3,875 

Vehicle finance charges ............................. 377 131 460 127 88 149 240 298 418 535 

Maintenance and repairs ........................... 754 300 413 266 387 444 542 570 740 1,028 

Vehicle insurance ....................................... 1,077 4644 4643 4393 4596 4562 748 682 1,287 1,421 

Vehicle rental, leases, licenses, and other

charges .................................................... 542 317 115 86 204 193 244 346 379 892 

Public transportation .................................... 540 158 107 138 352 156 216 267 334 927 

Healthcare ...................................................... 2,510 1,407 852 795 1,075 1,086 1,824 1,836 2,400 3,574 

Health insurance .......................................... 1,388 837 410 422 615 553 1,000 1,069 1,385 1,955 

Medical services .......................................... 681 417 280 182 217 282 492 409 625 1,006 

Drugs ........................................................... 342 131 129 169 193 191 278 288 303 467 

Medical supplies .......................................... 99 421 433 423 450 59 55 70 86 147 

Entertainment ................................................. 3,460 1,965 984 951 1,149 1,283 1,857 2,022 2,612 5,550 

Fees and admissions ................................... 870 276 114 115 199 172 364 390 512 1,572 

Audio and visual equipment and services .... 1,139 865 526 416 579 641 878 869 1,070 1,546 

Pets, toys, hobbies, and playground

equipment .................................................. 903 506 287 368 323 353 434 516 579 1,485 

Other entertainment supplies, equipment,

and services ............................................... 548 4318 457 451 48 117 180 248 451 947 

Personal care products and services ............. 706 387 404 254 310 430 436 553 574 1,017 

Reading .......................................................... 94 32 18 32 27 48 38 55 72 151 

Education ....................................................... 944 376 4229 464 198 198 470 335 642 1,635 

Tobacco products and smoking supplies ....... 385 372 345 521 472 476 420 434 409 322 

Miscellaneous ................................................ 914 349 270 355 314 534 519 702 997 1,260 

Cash contributions ......................................... 1,565 931 689 505 411 536 900 1,230 1,351 2,364 

Personal insurance and pensions .................. 7,143 412 300 696 1,101 1,958 2,862 3,860 5,354 12,407 

Life and other personal insurance ................ 277 486 423 452 447 79 129 161 196 473 

Pensions and Social Security ...................... 6,866 326 277 644 1,055 1,879 2,734 3,699 5,159 11,934 

Sources of income and personal taxes: 

Money income before taxes ........................... 77,297 -2,606 8,022 12,813 17,597 24,916 34,759 44,530 59,430 130,613 

Wages and salaries ..................................... 70,141 3,702 2,955 6,711 11,649 20,793 30,577 40,223 54,646 119,580 

Self-employment income ............................. 3,590 4-7,959 494 4495 4561 810 1,217 1,796 2,448 6,869 

Social Security, private and government

retirement ................................................... 883 4203 1,225 2,099 1,879 1,083 859 768 734 763 

Interest, dividends, rental income, other

property income ......................................... 1,096 127 487 488 436 155 115 140 250 2,334 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 349 4100 4315 4483 4380 351 417 653 436 238 

Public assistance, supplemental security

income, food stamps .................................. 465 564 2,261 1,929 2,223 1,102 623 248 219 56 

Regular contributions for support ................. 563 4216 627 716 612 399 762 619 558 545 

Other income ............................................... 209 4441 4458 4292 4256 223 189 483 139 229 

Personal taxes ............................................... 2,004 -785 -147 -573 -747 -813 -617 -177 255 5,065 

Federal income taxes ................................... 1,675 -422 -93 -424 -472 -605 -347 -11 381 4,054 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -517 4-419 4-131 4-174 4-285 -327 -490 -426 -598 -626 

State and local income taxes ....................... 686 -4 29 8 -9 78 130 169 332 1,378 

Other taxes .................................................. 160 461 448 17 19 41 90 90 140 259 

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, 2008-2009 — 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

Income after taxes ......................................... 75,294 -1,821 8,169 13,386 18,344 25,729 35,376 44,707 59,175 125,548 

Addenda:

Net change in total assets and liabilities ........ - $7,476 - $2,765 - $1,104 - $4,734 $1,492 $1,694 - $10,465 - $1,994 $965 - $14,918 

Net change in total assets ............................ 9,279 -3,578 4,639 -1,745 254 4,438 2,508 3,765 6,681 16,610 

Net change in total liabilities ........................ 16,755 -813 5,743 2,988 -1,238 2,744 12,973 5,759 5,716 31,529 

Other financial information:

Other money receipts ................................... 246 41,489 4759 4235 410 102 86 473 178 304 

Mortgage principal paid on owned property -3,028 -1,616 -661 -436 -1,035 -813 -1,056 -1,539 -2,359 -5,117 

Estimated market value of owned home ...... 171,690 91,151 30,126 39,685 35,487 57,274 77,518 96,367 140,653 280,466 

Estimated monthly rental value of owned

home .......................................................... 944 526 228 250 234 376 488 595 818 1,473 

Gifts of goods and services ............................ 828 540 343 585 251 334 425 562 662 1,250 

Food ............................................................. 74 449 45 10 414 45 49 58 56 111 

Alcoholic beverages ..................................... 13 421 3 ( ) 2 ( ) 3 ( ) 43 42 13 7 23 

Housing ........................................................ 144 464 4208 437 490 77 68 83 116 215 

Housekeeping supplies .............................. 25 42 49 43 45 47 13 18 20 40 

Household textiles ...................................... 6 3 ( ) 2 ( ) 3 ( ) 41 41 46 42 42 11 

Appliances and miscellaneous

housewares .............................................. 13 3 ( ) 3 ( ) 3 ( ) 42 41 42 48 410 24 

Major appliances ...................................... 4 3 ( ) 3 ( ) 3 ( ) 3 ( ) 2 ( ) 2 ( ) 3 ( ) 43 9 

Small appliances and miscellaneous

housewares ............................................ 9 3 ( ) 3 ( ) 3 ( ) 42 41 42 48 47 15 

Miscellaneous household equipment ......... 36 411 413 3 ( ) 415 412 416 429 39 54 

Other housing ............................................ 64 451 4186 434 467 55 30 427 44 86 

Apparel and services ................................... 223 245 439 455 87 87 166 255 131 288 

Males, 2 and over ...................................... 51 447 422 415 47 18 28 22 18 89 

Females, 2 and over .................................. 73 469 41 4338 432 422 56 90 42 79 

Children under 2 ........................................ 53 444 49 455 429 35 49 46 37 71 

Other apparel products and services ......... 46 484 47 447 420 413 433 98 34 50 

Jewelry and watches ................................ 12 42 47 424 412 41 46 430 49 13 

All other apparel products and services ... 33 482 3 ( ) 423 48 412 427 468 425 37 

Transportation .............................................. 68 47 41 18 7 29 20 31 34 126 

Healthcare .................................................... 9 3 ( ) 41 42 418 44 46 49 45 12 

Entertainment ............................................... 85 4130 413 445 418 412 45 41 75 132 

Toys, games, arts and crafts, and tricycles 35 4121 411 442 47 43 427 415 416 52 

Other entertainment ................................... 50 49 42 42 411 49 18 26 59 80 

Personal care products and services ........... 16 410 466 411 42 41 4 9 14 24 

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

Education ..................................................... 94 43 43 42 411 418 421 41 93 172 

All other gifts ................................................ 101 410 47 45 43 58 44 61 129 147 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, October, 2010