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

characteristics, Consumer Expenditure Survey, 2009-2010

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) ....... 22,055 516 526 793 944 1,978 2,139 2,104 3,603 9,453 

Consumer unit characteristics: 

Income before taxes ..................................... $76,569 - $2,977 $7,953 $12,721 $17,592 $24,825 $34,583 $44,612 $59,368 $129,965 

Income after taxes ........................................ 74,520 -2,455 8,379 13,217 18,382 25,806 34,783 44,341 58,706 125,074 

Age of reference person ................................ 39.6 39.6 39.3 39.5 39.3 39.5 39.5 39.8 39.6 39.7 

Average number in consumer unit:

Persons ........................................................ 3.3 2.5 2.4 2.5 2.8 3.1 3.1 3.2 3.4 3.6 

Children under 18 ........................................ 1.3 1.0 1.1 1.1 1.2 1.3 1.3 1.3 1.3 1.4 

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

Earners ........................................................ 1.6 .6 .6 .7 1.0 1.2 1.4 1.5 1.7 1.9 

Vehicles ....................................................... 2.1 .9 1.0 1.0 1.2 1.4 1.7 1.9 2.1 2.6 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 35 43 36 36 39 43 47 50 53 

Female ......................................................... 52 65 57 64 64 61 57 53 50 47 

Housing tenure:

Homeowner .................................................. 65 34 30 27 33 38 51 58 69 84 

With mortgage ............................................ 56 19 12 15 19 26 43 48 58 77 

Without mortgage ....................................... 9 15 18 12 14 13 9 9 10 7 

Renter .......................................................... 35 66 70 73 67 62 49 42 31 16 

Race of reference person:

Black or African-American ........................... 14 27 20 21 21 21 21 19 12 9 

White, Asian, and all other races ................. 86 73 80 79 79 79 79 81 88 91 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 17 14 22 24 26 26 22 19 17 11 

Not Hispanic or Latino .................................. 83 86 78 76 74 74 78 81 83 89 

Education of reference person:

Elementary (1-8) .......................................... 4 4 10 7 6 7 5 5 3 2 

High school (9-12) ........................................ 31 51 59 54 51 48 43 33 31 17 

College ......................................................... 65 45 30 38 42 44 51 62 65 82 

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

At least one vehicle owned or leased ............ 91 58 60 68 77 85 89 94 95 97 

Average annual expenditures .......................... $56,640 $26,690 $21,395 $24,344 $27,009 $29,741 $36,037 $42,244 $48,890 $82,708 

Food ............................................................... 7,627 4,886 4,200 4,196 4,588 4,957 5,434 6,268 7,023 10,326

Food at home ............................................... 4,355 3,057 2,921 3,068 3,029 3,497 3,520 3,898 4,154 5,364 

Cereals and bakery products ..................... 618 436 388 378 434 491 467 513 623 777 

Cereals and cereal products .................... 218 173 155 118 182 193 175 184 213 264 

Bakery products ....................................... 401 263 233 259 252 298 292 329 410 512 

Meats, poultry, fish, and eggs .................... 941 706 672 816 758 811 849 925 898 1,073 

Beef .......................................................... 247 219 137 218 183 206 239 259 219 283 

Pork .......................................................... 185 128 87 152 166 171 153 202 208 198 

Other meats ............................................. 139 85 138 104 109 106 117 123 133 169 

Poultry ...................................................... 178 162 119 198 121 154 159 162 183 198 

Fish and seafood ..................................... 139 65 4143 109 132 126 132 126 102 169 

Eggs ......................................................... 52 49 47 36 46 48 49 52 52 56 

Dairy products ............................................ 477 396 326 289 302 349 370 365 467 614 

Fresh milk and cream .............................. 178 168 144 129 144 137 150 133 180 216 

Other dairy products ................................ 299 228 182 160 158 212 220 232 287 398 

Fruits and vegetables ................................. 762 544 481 509 521 596 636 693 725 940 

Fresh fruits ............................................... 261 201 184 175 172 201 196 215 234 338 

Fresh vegetables ..................................... 231 154 125 158 159 187 197 215 218 284 

Processed fruits ....................................... 135 118 85 87 80 99 112 122 135 165 

Processed vegetables .............................. 135 70 86 90 110 109 131 141 138 153 

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, 2009-2010 — 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 .................................... $1,556 $975 $1,054 $1,075 $1,014 $1,249 $1,196 $1,403 $1,441 $1,961 

Sugar and other sweets ........................... 158 139 112 106 70 145 125 133 152 196 

Fats and oils ............................................. 118 70 69 87 76 110 109 115 115 136 

Miscellaneous foods ................................ 835 480 576 537 578 630 615 730 758 1,084 

Nonalcoholic beverages ........................... 393 270 287 315 273 347 330 398 380 456 

Food prepared by consumer unit on

out-of-town trips ..................................... 52 416 49 430 417 17 17 26 36 89 

Food away from home ................................. 3,273 1,829 1,279 1,128 1,559 1,460 1,915 2,370 2,869 4,962 

Alcoholic beverages ....................................... 498 453 4210 257 160 165 298 379 420 754 

Housing .......................................................... 20,379 12,347 8,685 10,011 11,240 11,965 13,996 15,495 17,805 28,584 

Shelter .......................................................... 12,448 7,516 4,870 6,081 6,753 7,247 8,839 9,470 10,793 17,440

Owned dwellings ........................................ 8,493 3,591 1,325 1,552 1,958 2,570 4,330 5,048 7,018 13,904 

Mortgage interest and charges ................ 5,532 2,298 4662 927 1,091 1,599 2,870 3,280 4,608 9,087 

Property taxes .......................................... 1,999 1,012 410 439 374 616 861 1,256 1,630 3,287 

Maintenance, repairs, insurance, other

expenses ................................................ 962 4282 252 186 493 355 599 512 780 1,530 

Rented dwellings ........................................ 3,401 3,779 3,493 4,433 4,709 4,590 4,380 4,220 3,496 2,469 

Other lodging ............................................. 554 4146 452 496 487 87 129 202 280 1,066 

Utilities, fuels, and public services ............... 4,085 2,713 2,456 2,526 2,916 3,151 3,377 3,728 4,114 4,922 

Natural gas ................................................. 511 397 265 252 288 359 370 427 460 676 

Electricity .................................................... 1,548 1,109 1,063 1,108 1,242 1,298 1,375 1,454 1,539 1,782 

Fuel oil and other fuels ............................... 118 499 473 466 444 39 56 125 108 167 

Telephone services .................................... 1,368 810 733 853 1,043 1,075 1,182 1,288 1,455 1,597 

Water and other public services ................. 540 299 322 246 299 380 394 435 552 700 

Household operations .................................. 1,395 509 342 308 675 450 565 730 965 2,363 

Personal services ....................................... 744 4186 450 488 4336 147 200 266 433 1,383 

Other household expenses ........................ 651 322 292 220 338 304 364 464 533 981 

Housekeeping supplies ................................ 681 574 328 361 302 395 427 488 610 981 

Laundry and cleaning supplies .................. 185 188 118 146 102 156 122 154 167 239 

Other household products .......................... 352 221 138 169 176 178 229 255 306 520 

Postage and stationery .............................. 143 165 72 47 25 62 75 79 137 222 

Household furnishings and equipment ......... 1,769 1,034 689 735 593 722 789 1,079 1,322 2,878 

Household textiles ...................................... 134 44 494 49 24 64 48 59 112 224 

Furniture ..................................................... 419 270 85 129 135 162 272 261 323 657 

Floor coverings .......................................... 35 44 42 46 417 5 7 34 22 60 

Major appliances ........................................ 239 475 96 41 115 80 108 229 178 373 

Small appliances, miscellaneous

housewares .............................................. 100 184 113 37 77 47 47 78 67 146 

Miscellaneous household equipment ......... 843 458 298 473 225 363 308 418 620 1,418 

Apparel and services ..................................... 2,199 1,094 1,770 2,412 1,326 1,409 1,432 1,795 1,527 3,056 

Men and boys .............................................. 526 281 261 963 239 344 264 394 327 745 

Men, 16 and over ....................................... 365 4119 4124 887 136 242 139 287 194 524 

Boys, 2 to 15 .............................................. 161 162 138 76 104 101 125 106 133 221 

Women and girls .......................................... 820 363 819 582 354 431 518 662 656 1,180 

Women, 16 and over .................................. 591 169 592 508 247 259 399 449 478 855 

Girls, 2 to 15 ............................................... 230 194 227 74 107 171 119 213 178 325 

Children under 2 .......................................... 113 451 455 90 74 102 82 99 95 145 

Footwear ...................................................... 432 4297 4506 525 329 394 382 483 293 499 

Other apparel products and services ........... 308 103 128 252 330 139 186 157 156 488 

Transportation ................................................ 8,561 2,781 2,975 2,826 4,293 4,424 5,646 6,473 7,934 12,348 

Vehicle purchases (net outlay) ..................... 2,833 4549 4688 4548 4786 1,369 1,289 1,762 2,403 4,531 

Cars and trucks, new ................................. 1,270 2 ( ) 2 ( ) 2 ( ) 4173 4567 4381 4568 832 2,297 

Cars and trucks, used ................................ 1,500 4549 4688 548 613 758 872 1,162 1,481 2,146 

Other vehicles ............................................ 63 2 ( ) 2 ( ) 2 ( ) 41 444 435 432 490 88 

Gasoline and motor oil ................................. 2,447 1,142 1,069 1,227 1,435 1,744 2,008 2,197 2,515 3,075 

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, 2009-2010 — 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 ............................... $2,734 $964 $1,109 $958 $1,705 $1,088 $2,094 $2,252 $2,686 $3,809 

Vehicle finance charges ............................. 333 457 435 71 99 100 201 242 406 482 

Maintenance and repairs ........................... 826 317 425 334 563 430 535 674 802 1,139 

Vehicle insurance ....................................... 1,064 4300 4545 4470 4855 4360 1,066 986 1,087 1,381 

Vehicle rental, leases, licenses, and other

charges .................................................... 510 290 103 83 189 198 292 349 391 807 

Public transportation .................................... 547 126 4109 93 366 224 256 262 330 933 

Healthcare ...................................................... 2,551 1,081 696 916 1,097 1,284 1,863 1,895 2,455 3,625 

Health insurance .......................................... 1,445 522 396 363 546 599 1,114 1,136 1,447 2,053 

Medical services .......................................... 665 402 160 302 229 412 423 394 600 975 

Drugs ........................................................... 337 124 114 218 261 215 254 291 320 443 

Medical supplies .......................................... 104 432 426 432 61 57 72 73 88 155 

Entertainment ................................................. 3,192 1,756 822 1,094 1,166 1,386 1,769 2,075 2,624 4,986 

Fees and admissions ................................... 885 243 87 192 191 202 354 401 512 1,611 

Audio and visual equipment and services .... 1,094 822 468 475 594 634 869 923 1,082 1,441 

Pets, toys, hobbies, and playground

equipment .................................................. 768 507 239 352 278 454 432 596 656 1,138 

Other entertainment supplies, equipment,

and services ............................................... 444 4183 430 475 104 96 114 156 373 797 

Personal care products and services ............. 683 336 371 285 402 414 394 475 551 1,012 

Reading .......................................................... 82 27 15 30 30 41 30 48 65 134 

Education ....................................................... 949 305 4179 291 291 287 442 492 583 1,646 

Tobacco products and smoking supplies ....... 387 442 425 568 439 479 420 433 388 325 

Miscellaneous ................................................ 942 315 318 426 362 505 493 1,289 843 1,262 

Cash contributions ......................................... 1,557 642 448 421 561 586 990 1,284 1,262 2,368 

Personal insurance and pensions .................. 7,033 226 282 613 1,056 1,839 2,830 3,845 5,411 12,281 

Life and other personal insurance ................ 275 445 421 448 73 70 130 129 209 475 

Pensions and Social Security ...................... 6,758 181 260 564 983 1,769 2,700 3,715 5,202 11,806 

Sources of income and personal taxes: 

Money income before taxes ........................... 76,569 -2,977 7,953 12,721 17,592 24,825 34,583 44,612 59,368 129,965 

Wages and salaries ..................................... 69,108 3,806 2,913 5,905 11,232 19,702 29,918 40,258 53,885 118,860 

Self-employment income ............................. 3,468 -8,849 496 4424 4198 1,055 1,301 1,490 2,725 6,629 

Social Security, private and government

retirement ................................................... 1,055 4332 1,484 2,246 2,130 1,167 1,002 986 901 927 

Interest, dividends, rental income, other

property income ......................................... 1,013 457 427 461 184 137 100 112 142 2,205 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 613 478 4330 886 892 818 734 865 772 419 

Public assistance, supplemental security

income, food stamps .................................. 516 717 2,182 2,034 2,040 1,364 749 383 230 42 

Regular contributions for support ................. 599 4188 589 893 618 427 644 425 599 661 

Other income ............................................... 196 4695 4333 4271 4299 154 134 493 114 220 

Personal taxes ............................................... 2,049 -522 -426 -497 -790 -981 -200 272 662 4,891 

Federal income taxes ................................... 1,274 -526 -484 -510 -790 -1,068 -434 16 179 3,400 

2008 Tax stimulus (thru Q20091) ................ 4-1 2 ( ) 2 ( ) 2 ( ) 2 ( ) 4-2 4-3 2 ( ) 2 ( ) 4-2 

State and local income taxes ....................... 654 -45 14 -6 -21 47 158 193 370 1,301 

Other taxes .................................................. 121 449 444 20 22 42 79 62 113 191 

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, 2009-2010 — 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 ......................................... 74,520 -2,455 8,379 13,217 18,382 25,806 34,783 44,341 58,706 125,074 

Addenda:

Net change in total assets and liabilities ........ - $8,241 - $5,732 $2,110 - $953 - $196 $2,459 - $6,389 - $5,518 - $4,537 - $15,044 

Net change in total assets ............................ 9,254 -1,349 3,521 -2,495 1,665 3,773 2,774 8,887 5,805 15,903 

Net change in total liabilities ........................ 17,495 4,382 1,410 -1,542 1,861 1,314 9,163 14,405 10,342 30,947 

Other financial information:

Other money receipts ................................... 228 4600 484 491 4223 74 179 465 167 331 

Mortgage principal paid on owned property -2,791 -990 4-452 -458 -1,192 -719 -1,233 -1,634 -2,253 -4,624 

Estimated market value of owned home ...... 160,330 76,774 28,645 41,385 36,911 52,508 76,226 94,043 130,626 262,177 

Estimated monthly rental value of owned

home .......................................................... 900 397 238 257 263 339 481 605 799 1,399 

Gifts of goods and services ............................ 766 440 404 535 465 372 435 521 561 1,148 

Food ............................................................. 62 125 48 48 46 42 50 74 44 83 

Alcoholic beverages ..................................... 14 415 2 ( ) 3 ( ) 43 47 47 19 15 19 

Housing ........................................................ 157 4105 4203 445 290 81 86 112 128 210 

Housekeeping supplies .............................. 24 2 ( ) 49 410 42 410 16 19 21 36 

Household textiles ...................................... 7 42 3 ( ) 41 2 ( ) 45 46 42 46 12 

Appliances and miscellaneous

housewares .............................................. 16 2 ( ) 3 ( ) 3 ( ) 41 45 42 416 412 28 

Major appliances ...................................... 3 2 ( ) 2 ( ) 2 ( ) 41 3 ( ) 3 ( ) 2 ( ) 42 5 

Small appliances and miscellaneous

housewares ............................................ 13 2 ( ) 3 ( ) 3 ( ) 2 ( ) 45 42 416 410 23 

Miscellaneous household equipment ......... 36 425 416 2 ( ) 410 419 417 427 35 56 

Other housing ............................................ 74 477 4178 434 276 42 45 448 53 78 

Apparel and services ................................... 205 480 4109 442 84 151 125 174 142 267 

Males, 2 and over ...................................... 51 443 411 415 47 34 20 26 32 87 

Females, 2 and over .................................. 67 415 450 322 428 421 39 50 49 76 

Children under 2 ........................................ 49 419 419 60 430 48 26 56 36 61 

Other apparel products and services ......... 38 43 429 445 418 448 441 442 25 43 

Jewelry and watches ................................ 9 43 3 ( ) 421 45 43 416 49 411 8 

All other apparel products and services ... 29 2 ( ) 428 424 414 445 425 433 414 35 

Transportation .............................................. 58 48 2 ( ) 7 17 9 20 23 20 114 

Health care ................................................... 13 2 ( ) 2 ( ) 2 ( ) 46 48 412 45 413 19 

Entertainment ............................................... 77 486 413 47 424 423 454 57 105 103 

Toys, games, arts and crafts, and tricycles 38 478 411 43 45 418 433 421 444 52 

Other entertainment ................................... 39 48 41 44 419 45 22 36 60 51 

Personal care products and services ........... 12 2 ( ) 466 412 42 410 43 13 8 14 

Reading ........................................................ 3 ( ) 2 ( ) 2 ( ) 2 ( ) 42 3 ( ) 2 ( ) 3 ( ) 3 ( ) 1 

Education ..................................................... 105 42 46 411 48 423 435 411 21 220 

All other gifts ................................................ 64 420 2 ( ) 43 423 18 43 32 66 99 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2011