Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

Number of consumer units (in thousands)1.................................................... 16,754 491 3,188 5,895 4,464 1,909 807 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $128,299 $71,885 $86,635 $132,165 $160,350 $141,211 $91,128 

 Income after taxes ...................................................................................... 114,008 65,353 83,717 117,306 136,727 124,433 88,855 

 Age of reference person ............................................................................. 43.7 22.4 30.9 39.5 49.2 58.9 71.8 

 Average number in consumer unit: 

 People ...................................................................................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 

 Children under 18 .................................................................................... 1.5 1.1 1.9 1.9 1.3 .8 .6 

 Adults 65 and older .................................................................................. .1 ( 2 ) ( 2 ) ( 2 ) ( 2 ) .1 1.5 

 Earners .................................................................................................... 2.0 2.2 1.7 1.8 2.2 2.5 1.8 

 Vehicles ................................................................................................... 2.4 2.1 2.0 2.2 2.7 2.7 2.3 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 49 47 41 48 54 53 55 

 Women ..................................................................................................... 51 53 59 52 46 47 45 

 Housing tenure: 

 Homeowner.............................................................................................. 71 29 56 72 81 78 82 

 With mortgage ...................................................................................... 57 12 47 63 65 53 45 

 Without mortgage ................................................................................. 14 17 9 9 16 25 37 

 Renter ...................................................................................................... 29 71 44 28 19 22 18 

 Race of reference person: 

 Black or African-American ....................................................................... 14 12 17 12 11 15 24 

 White, Asian, and all other races, not including Black or 

 African-American .................................................................................. 86 88 83 88 89 85 76 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 19 37 24 16 19 20 14 

 Not Hispanic or Latino ............................................................................. 81 63 76 84 81 80 86 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 25 55 29 21 20 26 40 

 College ..................................................................................................... 72 45 66 77 77 69 53 

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

 At least one vehicle owned or leased ......................................................... 95 96 94 96 96 95 94 

Average annual expenditures ........................................................................ $88,583 $57,004 $66,890 $90,812 $105,050 $95,536 $69,046 

 Food ............................................................................................................ 11,418 7,368 8,672 10,873 13,999 13,011 9,650 

 Food at home ........................................................................................... 7,583 4,807 5,748 7,051 9,346 8,818 7,015 

 Cereals and bakery products ............................................................... 1,015 514 754 963 1,223 1,195 1,053 

 Cereals and cereal products ............................................................. 327 170 251 319 395 397 212 

 Bakery products ................................................................................ 689 344 502 644 828 798 841 

 Meats, poultry, fish, and eggs .............................................................. 1,595 1,075 1,389 1,413 1,948 1,788 1,540 

 Beef ................................................................................................... 431 165 418 394 507 481 365 

 Pork ................................................................................................... 309 244 269 279 367 326 342 

 Other meats ....................................................................................... 211 187 140 199 257 265 200 

 Poultry ............................................................................................... 280 200 237 243 347 329 264 

 Fish and seafood ............................................................................... 267 200 249 210 354 263 294 

 Eggs .................................................................................................. 96 78 77 88 115 124 75 

 Dairy products ...................................................................................... 725 583 577 670 876 865 594 

 Fresh milk and cream ........................................................................ 228 184 195 212 266 272 193 

 Other dairy products .......................................................................... 496 399 382 458 609 593 400 

 Fruits and vegetables ........................................................................... 1,529 974 1,119 1,383 1,938 1,858 1,358 

 Fresh fruits......................................................................................... 564 340 442 517 714 660 424 

 Fresh vegetables ............................................................................... 481 356 354 422 600 627 465 

 Processed fruits ................................................................................. 198 152 141 185 251 214 176 

 Processed vegetables ....................................................................... 285 126 182 259 372 357 293 

 Other food at home ............................................................................... 2,720 1,662 1,909 2,622 3,361 3,112 2,470 

 Sugar and other sweets .................................................................... 266 344 176 267 311 286 231 

 Fats and oils ...................................................................................... 193 143 149 160 237 291 169 

 Miscellaneous foods .......................................................................... 1,489 715 1,080 1,436 1,863 1,656 1,307 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021 — Continued 

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Nonalcoholic beverages .................................................................... 697 432 454 664 868 807 736 

 Food prepared by consumer unit on out of town trips ...................... 75 428 50 95 83 72 426 

 Food away from home ............................................................................. 3,834 2,561 2,924 3,822 4,652 4,192 2,636 

 Alcoholic beverages .................................................................................... 540 4229 334 586 726 475 216 

 Housing ....................................................................................................... 28,704 20,179 23,871 30,944 31,103 28,733 23,226 

 Shelter ...................................................................................................... 16,234 11,564 13,156 17,711 18,004 15,512 12,356 

 Owned dwellings .................................................................................. 10,868 2,272 6,897 12,198 13,262 10,838 8,887 

 Mortgage interest and charges ......................................................... 5,008 4724 3,775 5,919 5,922 4,110 2,889 

 Property taxes ................................................................................... 3,361 932 1,788 3,562 4,185 4,320 2,763 

 Maintenance, repairs, insurance, and other expenses ..................... 2,499 4616 1,334 2,717 3,155 2,409 3,235 

 Rented dwellings .................................................................................. 4,257 9,067 5,822 4,289 3,216 3,383 2,740 

 Other lodging ........................................................................................ 1,109 4225 437 1,224 1,526 1,290 729 

 Utilities, fuels, and public services ........................................................... 5,443 4,085 4,456 5,225 6,145 6,344 5,745 

 Natural gas ........................................................................................... 556 466 408 545 626 636 693 

 Electricity .............................................................................................. 1,916 1,392 1,702 1,809 2,117 2,174 2,148 

 Fuel oil and other fuels ......................................................................... 112 417 65 105 169 129 460 

 Telephone services .............................................................................. 1,942 1,565 1,589 1,870 2,227 2,273 1,738 

 Residential phone service, VOIP, and phone cards ......................... 151 4114 73 109 199 261 257 

 Cellular phone service ....................................................................... 1,791 1,452 1,515 1,761 2,028 2,012 1,481 

 Water and other public services ........................................................... 916 645 692 896 1,005 1,132 1,106 

 Household operations .............................................................................. 2,796 1,428 3,145 3,735 2,249 1,550 1,271 

 Personal services ................................................................................. 1,332 4481 2,201 2,196 398 4156 461 

 Other household expenses .................................................................. 1,464 947 945 1,540 1,851 1,394 1,209 

 Housekeeping supplies............................................................................ 1,116 432 886 972 1,168 2,076 1,157 

 Laundry and cleaning supplies ............................................................. 220 98 182 201 236 277 347 

 Other household products .................................................................... 760 269 599 627 790 1,647 647 

 Postage and stationery ......................................................................... 136 465 104 144 142 151 163 

 Household furnishings and equipment .................................................... 3,115 2,670 2,228 3,300 3,537 3,251 2,697 

 Household textiles ................................................................................ 152 4113 110 158 128 193 319 

 Furniture ............................................................................................... 825 4292 641 901 954 793 690 

 Floor coverings ..................................................................................... 32 47 22 37 40 24 423 

 Major appliances .................................................................................. 488 463 398 500 569 469 361 

 Small appliances and miscellaneous housewares............................... 167 462 142 172 191 194 100 

 Miscellaneous household equipment ................................................... 1,451 1,733 914 1,532 1,654 1,579 1,204 

 Apparel and services .................................................................................. 2,489 1,721 2,355 2,479 2,595 3,100 1,653 

 Men and boys .......................................................................................... 589 221 409 779 567 500 358 

 Men, 16 and over .................................................................................. 344 4170 204 371 380 447 4336 

 Boys, 2 to 15 ......................................................................................... 244 451 205 408 187 453 423 

 Women and girls ...................................................................................... 921 242 725 871 1,145 1,084 762 

 Women, 16 and over ............................................................................ 674 238 428 599 864 926 743 

 Girls, 2 to 15 ......................................................................................... 247 44 297 273 282 4158 419 

 Children under 2 ...................................................................................... 153 448 430 148 463 429 451 

 Footwear .................................................................................................. 559 4291 541 458 566 1,127 4353 

 Other apparel products and services ...................................................... 268 919 250 223 254 360 130 

 Transportation ............................................................................................. 15,301 10,600 12,627 16,630 16,621 15,077 12,282 

 Vehicle purchases (net outlay) ................................................................ 7,379 44,250 6,189 8,965 7,215 6,573 45,219 

 Cars and trucks, new ............................................................................ 3,328 42,792 1,556 4,674 3,261 2,188 43,895 

 Cars and trucks, used........................................................................... 4,012 41,231 4,619 4,260 3,897 4,354 41,323 

 Other vehicles ....................................................................................... 39 4227 414 430 457 431 ( 3 ) 

 Gasoline, other fuels, and motor oil ......................................................... 2,715 2,554 2,444 2,632 3,085 2,793 2,249 

 Other vehicle expenses ........................................................................... 4,765 3,579 3,715 4,519 5,844 5,102 4,656 

 Vehicle finance charges ....................................................................... 433 294 403 478 490 331 236 

 Maintenance and repairs ...................................................................... 1,193 618 1,009 1,070 1,530 1,152 1,386 

 Vehicle rental, leases, licenses, and other charges ............................. 1,043 644 613 1,113 1,340 1,059 789 

 Vehicle insurance ................................................................................. 2,096 2,023 1,689 1,857 2,485 2,559 2,245 

 Public and other transportation................................................................ 443 4217 279 514 478 609 159 

 Healthcare ................................................................................................... 6,223 2,562 4,027 5,909 7,827 7,426 7,594 

 Health insurance ...................................................................................... 4,327 2,053 2,893 4,267 5,072 5,286 5,413 

 Medical services ...................................................................................... 1,224 4320 834 1,050 1,856 1,283 959 

 Drugs ....................................................................................................... 487 493 212 436 663 637 770 

 Medical supplies ...................................................................................... 186 496 88 155 237 220 451 

 Entertainment .............................................................................................. 4,860 1,318 3,092 4,555 6,927 6,020 2,740 

 Fees and admissions ............................................................................... 988 4107 495 1,248 1,371 648 264 

 Audio and visual equipment and services ............................................... 1,192 715 995 1,210 1,416 1,164 960 

 Pets, toys, hobbies, and playground equipment ..................................... 1,310 402 762 1,147 1,211 3,590 1,059 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021 — Continued 

Item 

Total 

four 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Pets ....................................................................................................... 1,011 4114 527 786 926 3,375 741 

 Toys, hobbies, and playground equipment .......................................... 299 4289 235 360 285 4215 4318 

 Other entertainment supplies, equipment, and services ......................... 1,371 493 840 951 2,930 618 457 

 Personal care products and services ......................................................... 952 972 668 953 1,137 1,022 780 

 Reading ....................................................................................................... 112 4134 87 113 127 87 4150 

 Education .................................................................................................... 2,388 42,140 909 1,412 4,576 3,366 1,053 

 Tobacco products and smoking supplies ................................................... 313 4290 455 281 216 354 441 

 Miscellaneous ............................................................................................. 1,253 341 1,036 1,333 1,350 1,356 1,230 

 Cash contributions ...................................................................................... 1,927 43,025 995 1,668 2,765 2,355 1,197 

 Personal insurance and pensions............................................................... 12,103 6,126 7,762 13,076 15,080 13,154 6,833 

 Life and other personal insurance ........................................................... 699 4139 308 729 1,018 649 711 

 Pensions and Social Security .................................................................. 11,405 5,986 7,454 12,348 14,062 12,504 6,122 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $128,299 $71,885 $86,635 $132,165 $160,350 $141,211 $91,128 

 Wages and salaries ................................................................................. 113,001 59,972 78,932 119,873 141,461 117,969 60,475 

 Self-employment income ......................................................................... 8,965 48,483 3,967 8,188 12,178 14,734 43,267 

 Social Security, private and government retirement ............................... 2,628 4430 756 1,115 1,723 4,323 23,418 

 Interest, dividends, rental income, and other property income ............... 1,771 4826 514 1,476 3,421 1,551 846 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 596 4822 964 491 347 710 886 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 988 41,173 1,084 839 710 1,437 2,068 

 Other income ........................................................................................... 349 4180 418 183 510 4487 4167 

 Personal taxes (contains some imputed values) ........................................ 14,291 6,532 2,917 14,859 23,623 16,778 2,273 

 Federal income taxes .............................................................................. 12,944 1,361 3,996 13,390 20,564 15,421 4,066 

 Stimulus payment (new UCC Q20202)# ................................................. -3,109 4

-2,462 -3,470 -2,907 -2,982 -3,392 -3,590 

 State and local income taxes ................................................................... 4,214 1,643 2,358 4,296 5,957 4,690 1,748 

 Other taxes .............................................................................................. 242 45,991 433 81 84 460 450 

 Income after taxes ...................................................................................... 114,008 65,353 83,717 117,306 136,727 124,433 88,855 

Addenda: 

 Net change in total assets and liabilities ..................................................... -$4,314 -$2,042 -$26,247 -$11,879 $3,725 $31,269 $7,557 

 Net change in total assets ....................................................................... 39,308 14,246 13,837 47,489 47,774 52,751 16,790 

 Net change in total liabilities .................................................................... 43,622 16,289 40,084 59,367 44,048 21,482 9,232 

 Other financial information: 

 Other money receipts .............................................................................. 395 4176 912 349 4286 4107 493 

 Mortgage principal paid on owned property ............................................ -3,918 4

-771 -2,380 -4,152 -5,173 -4,238 -2,492 

 Estimated market value of owned home ................................................. 300,839 478,818 156,677 303,019 396,588 359,556 320,967 

 Estimated monthly rental value of owned home ..................................... 1,542 4441 931 1,597 1,912 1,784 1,603 

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, 2022