Table 3620. Consumer units of two people by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Surveys, 

2019-2020

Item 

Total 

two 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

65-74

years 

75 years 

and older 

Number of consumer units (in thousands)1................................................... 43,364 1,821 5,902 3,899 6,183 10,217 15,342 9,709 5,632 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $88,661 $52,549 $92,115 $100,002 $107,629 $105,119 $70,130 $78,208 $56,204 

 Income after taxes ...................................................................................... 76,958 48,927 80,374 85,324 90,708 88,116 63,874 69,972 53,360 

 Age of reference person ............................................................................. 55.7 22.2 29.5 39.6 50.2 59.9 73.3 69.2 80.6 

 Average number in consumer unit: 

 People ..................................................................................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 

 Children under 18 .................................................................................... .1 .1 .1 .2 .1 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Adults 65 and older ................................................................................. .7 ( 2 ) ( 2 ) ( 2 ) .1 .2 1.7 1.7 1.8 

 Earners .................................................................................................... 1.2 1.7 1.7 1.5 1.5 1.4 .6 .7 .4 

 Vehicles ................................................................................................... 2.1 1.7 1.8 1.8 2.2 2.5 2.2 2.4 1.9 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 51 51 55 50 39 48 55 54 57 

 Women .................................................................................................... 49 49 45 50 61 52 45 46 43 

 Housing tenure: 

 Homeowner ............................................................................................. 73 21 42 55 72 83 89 88 89 

 With mortgage ...................................................................................... 37 14 36 43 52 45 28 34 18 

 Without mortgage ................................................................................. 35 7 7 12 20 38 61 55 71 

 Renter ...................................................................................................... 27 79 58 45 28 17 11 12 11 

 Race of reference person: 

 Black or African-American ....................................................................... 11 12 13 17 15 10 8 8 6 

 White, Asian, and all other races ............................................................ 89 88 87 83 85 90 92 92 94 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino.................................................................................... 10 16 13 15 12 9 6 7 5 

 Not Hispanic or Latino ............................................................................. 90 84 87 85 88 91 94 93 95 

 Education of reference person: 

 Elementary (1-8)...................................................................................... 2 2 1 2 1 2 2 2 3 

 High school (9-12) ................................................................................... 27 32 20 19 25 28 32 29 36 

 College .................................................................................................... 71 66 79 79 74 70 66 69 60 

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

 At least one vehicle owned or leased......................................................... 94 87 92 92 93 95 95 96 94 

Average annual expenditures ........................................................................ $65,063 $47,331 $60,491 $64,968 $70,412 $74,443 $60,412 $64,471 $53,386 

 Food ............................................................................................................ 7,802 5,562 7,483 8,143 7,963 8,461 7,543 8,008 6,729 

 Food at home .......................................................................................... 4,741 2,617 3,887 4,341 4,782 5,386 4,939 5,208 4,468 

 Cereals and bakery products ............................................................... 589 369 465 550 569 657 631 649 601 

 Cereals and cereal products ............................................................. 180 132 167 162 189 200 179 187 163 

 Bakery products ................................................................................ 408 238 298 388 380 457 453 461 437 

 Meats, poultry, fish, and eggs .............................................................. 1,017 557 800 936 1,032 1,161 1,066 1,120 970 

 Beef ................................................................................................... 283 160 226 237 303 326 294 311 264 

 Pork ................................................................................................... 206 100 114 192 218 235 232 245 210 

 Other meats ...................................................................................... 129 87 99 107 126 147 140 153 118 

 Poultry ............................................................................................... 177 105 178 178 186 195 167 172 158 

 Fish and seafood .............................................................................. 164 74 128 172 145 195 171 178 159 

 Eggs .................................................................................................. 58 30 55 50 54 63 60 60 61 

 Dairy products ...................................................................................... 454 239 354 394 439 496 506 536 454 

 Fresh milk and cream ....................................................................... 135 77 107 117 131 150 148 155 134 

 Other dairy products ......................................................................... 319 162 247 277 308 347 359 381 319 

 Fruits and vegetables ........................................................................... 916 485 694 823 860 1,036 1,011 1,057 932 

 Fresh fruits ........................................................................................ 322 160 221 291 301 363 369 389 333 

 Fresh vegetables .............................................................................. 315 167 242 306 301 360 336 353 307 

 Processed fruits ................................................................................ 113 64 93 89 93 131 126 128 124 

 Processed vegetables ...................................................................... 166 94 139 137 165 182 180 187 168 

 Other food at home .............................................................................. 1,766 966 1,574 1,637 1,882 2,036 1,724 1,847 1,511 

 Sugar and other sweets .................................................................... 164 82 134 136 162 185 176 175 179 

 Fats and oils ...................................................................................... 127 54 94 116 144 145 133 134 130 

 Miscellaneous foods ......................................................................... 955 496 931 919 1,010 1,086 905 968 793 

 Nonalcoholic beverages ................................................................... 451 301 370 410 502 530 436 474 369 

See footnotes at end of table. 
Table 3620. Consumer units of two people by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Surveys, 

2019-2020 — Continued 

Item 

Total 

two 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

65-74

years 

75 years 

and older 

 Food prepared by consumer unit on out-of-town trips ..................... 69 32 44 56 63 90 75 95 41 

 Food away from home ............................................................................ 3,061 2,945 3,596 3,803 3,181 3,075 2,604 2,800 2,261 

 Alcoholic beverages ................................................................................... 708 440 736 718 682 846 635 755 424 

 Housing....................................................................................................... 21,306 16,319 21,540 22,426 22,864 22,576 20,020 21,405 17,622 

 Shelter ..................................................................................................... 12,428 11,055 14,029 14,315 13,702 12,782 10,747 11,530 9,396 

 Owned dwellings .................................................................................. 7,569 1,420 5,026 7,056 8,892 8,953 7,953 8,638 6,773 

 Mortgage interest and charges ......................................................... 2,599 674 2,770 3,450 3,918 3,012 1,739 2,227 899 

 Property taxes ................................................................................... 2,529 461 1,227 1,845 2,702 3,047 3,034 3,172 2,796 

 Maintenance, repairs, insurance, other expenses ........................... 2,441 285 1,029 1,761 2,271 2,893 3,179 3,238 3,077 

 Rented dwellings .................................................................................. 3,730 9,299 8,465 6,425 3,630 2,238 1,597 1,555 1,669 

 Other lodging ........................................................................................ 1,129 336 539 834 1,181 1,591 1,197 1,338 954 

 Utilities, fuels, and public services .......................................................... 4,243 2,691 3,340 3,988 4,609 4,700 4,387 4,502 4,188 

 Natural gas ........................................................................................... 430 177 301 375 442 479 486 461 528 

 Electricity .............................................................................................. 1,543 1,046 1,177 1,449 1,618 1,682 1,644 1,686 1,572 

 Fuel oil and other fuels ......................................................................... 124 431 55 71 103 148 167 161 176 

 Telephone services .............................................................................. 1,458 1,099 1,284 1,486 1,742 1,640 1,324 1,419 1,160 

 Residential phone service, VOIP, and phone cards ......................... 227 416 45 115 174 243 361 330 413 

 Cellular phone service ...................................................................... 1,231 1,083 1,239 1,371 1,567 1,397 963 1,089 747 

 Water and other public services .......................................................... 689 338 523 607 705 751 766 775 752 

 Household operations ............................................................................. 1,337 655 1,030 1,318 1,376 1,385 1,493 1,512 1,461 

 Personal services ................................................................................. 105 438 168 237 489 434 4108 477 4163 

 Other household expenses .................................................................. 1,232 617 863 1,081 1,287 1,351 1,385 1,435 1,298 

 Housekeeping supplies ........................................................................... 882 374 574 625 885 1,024 1,024 1,129 840 

 Laundry and cleaning supplies ............................................................ 179 81 114 161 173 211 200 217 170 

 Other household products.................................................................... 549 242 356 355 565 637 643 729 491 

 Postage and stationery ........................................................................ 153 52 104 109 148 176 181 183 179 

 Household furnishings and equipment.................................................... 2,416 1,542 2,567 2,179 2,291 2,685 2,369 2,731 1,737 

 Household textiles ................................................................................ 136 66 105 117 123 204 120 142 82 

 Furniture ............................................................................................... 573 561 728 530 651 688 417 484 302 

 Floor coverings ..................................................................................... 35 14 31 23 28 33 47 45 52 

 Major appliances .................................................................................. 354 282 375 358 373 321 368 435 253 

 Small appliances, miscellaneous housewares .................................... 139 83 145 116 150 170 124 132 111 

 Miscellaneous household equipment................................................... 1,177 536 1,183 1,036 966 1,267 1,292 1,494 938 

 Apparel and services .................................................................................. 1,520 1,611 1,792 1,844 1,780 1,548 1,201 1,294 1,039 

 Men and boys .......................................................................................... 349 418 426 331 528 333 260 238 297 

 Men, 16 and over ................................................................................. 316 383 403 270 483 292 239 210 288 

 Boys, 2 to 15 ........................................................................................ 33 435 23 60 45 41 21 28 9 

 Women and girls ..................................................................................... 574 405 548 793 590 624 503 557 408 

 Women, 16 and over ............................................................................ 540 369 510 739 555 596 472 519 388 

 Girls, 2 to 15 ......................................................................................... 34 436 38 54 35 27 32 38 21 

 Children under 2 ...................................................................................... 38 442 469 412 427 50 27 34 415 

 Footwear.................................................................................................. 326 588 460 421 396 292 218 237 184 

 Other apparel products and services ...................................................... 233 157 289 287 239 249 193 227 135 

 Transportation ............................................................................................ 10,367 11,280 10,059 10,324 12,208 11,602 8,822 9,888 6,984 

 Vehicle purchases (net outlay) ................................................................ 4,381 6,233 3,888 4,186 5,462 5,085 3,496 4,083 2,486 

 Cars and trucks, new ........................................................................... 2,291 2,912 1,380 1,993 2,535 2,956 2,103 2,429 1,540 

 Cars and trucks, used .......................................................................... 2,027 3,308 2,430 2,176 2,817 2,074 1,332 1,555 946 

 Other vehicles ...................................................................................... 64 413 477 417 4110 456 462 498 ( 3 ) 

 Gasoline, other fuels, and motor oil ........................................................ 1,803 1,736 1,874 1,831 2,101 2,028 1,505 1,680 1,204 

 Other vehicle expenses ........................................................................... 3,593 2,911 3,605 3,748 4,121 3,859 3,238 3,422 2,922 

 Vehicle finance charges ....................................................................... 260 261 351 278 313 301 172 218 92 

 Maintenance and repairs ..................................................................... 895 626 715 935 1,023 1,046 832 907 703 

 Vehicle rental, leases, licenses, and other charges ............................ 856 509 959 880 1,011 780 840 833 850 

 Vehicle insurance ................................................................................. 1,582 1,516 1,580 1,655 1,775 1,732 1,395 1,464 1,277 

 Public and other transportation ............................................................... 590 400 692 559 524 629 582 703 373 

 Healthcare .................................................................................................. 6,305 1,753 3,314 4,118 5,096 6,929 8,623 8,385 9,033 

 Health insurance ..................................................................................... 4,405 1,013 2,359 2,832 3,434 4,642 6,227 6,078 6,485 

 Medical services ...................................................................................... 1,043 475 639 804 977 1,361 1,142 1,161 1,109 

 Drugs ....................................................................................................... 625 206 237 369 458 695 908 826 1,050 

 Medical supplies ...................................................................................... 232 58 78 113 227 231 345 320 389 

 Entertainment ............................................................................................. 3,475 1,778 2,666 3,684 3,077 4,820 3,165 3,545 2,508 

 Fees and admissions .............................................................................. 765 257 609 575 528 1,358 618 657 551 

 Audio and visual equipment and services .............................................. 1,170 760 934 1,180 1,111 1,353 1,206 1,237 1,153 

 Pets, toys, hobbies, and playground equipment ..................................... 921 617 822 1,458 891 1,112 728 883 458 

 Pets ...................................................................................................... 798 583 723 1,313 767 988 594 726 362 

See footnotes at end of table. 
Table 3620. Consumer units of two people by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Surveys, 

2019-2020 — Continued 

Item 

Total 

two 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

65-74

years 

75 years 

and older 

 Toys, hobbies, and playground equipment .......................................... 123 434 99 145 125 124 135 157 96 

 Other entertainment supplies, equipment, and services ........................ 619 144 301 470 546 997 613 768 347 

 Personal care products and services ......................................................... 787 597 718 732 871 866 762 767 754 

 Reading ...................................................................................................... 128 41 60 81 117 127 181 157 223 

 Education .................................................................................................... 1,107 2,245 1,425 1,011 2,217 1,104 427 323 606 

 Tobacco products and smoking supplies ................................................... 331 236 313 425 464 413 215 256 144 

 Miscellaneous ............................................................................................. 1,018 452 697 828 1,098 1,289 1,044 1,160 845 

 Cash contributions ...................................................................................... 2,838 467 815 1,162 2,091 3,744 4,020 3,891 4,243 

 Personal insurance and pensions .............................................................. 7,372 4,550 8,872 9,473 9,884 10,120 3,755 4,637 2,233 

 Life and other personal insurance ........................................................... 612 93 187 368 582 922 705 780 576 

 Pensions and Social Security ................................................................. 6,760 4,457 8,685 9,105 9,301 9,198 3,049 3,857 1,657 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $88,661 $52,549 $92,115 $100,002 $107,629 $105,119 $70,130 $78,208 $56,204 

 Wages and salaries ................................................................................. 62,173 49,132 87,436 88,613 92,591 80,731 22,663 29,629 10,655 

 Self-employment income ......................................................................... 7,004 1,477 2,323 7,291 6,849 10,370 7,208 9,556 3,161 

 Social Security, private and government retirement ............................... 15,043 4822 421 1,595 4,843 9,451 33,608 32,236 35,974 

 Interest, dividends, rental income, other property income ...................... 3,000 77 454 697 1,438 3,285 5,351 5,489 5,113 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 321 190 249 408 552 376 212 233 175 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 841 4300 963 1,093 1,060 751 767 700 883 

 Other income ........................................................................................... 279 551 270 305 297 154 320 365 4243 

 Personal taxes (contains some imputed values) ....................................... 11,702 3,622 11,741 14,677 16,921 17,003 6,257 8,236 2,844 

 Federal income taxes .............................................................................. 10,069 3,254 9,705 12,375 14,519 14,033 5,998 7,571 3,287 

 Stimulus payment (new UCC Q20202)# ................................................. -968 -704 -971 -852 -822 -950 -1,097 -1,129 -1,042 

 State and local income taxes .................................................................. 2,513 1,062 2,943 3,097 3,158 3,754 1,285 1,711 550 

 Other taxes .............................................................................................. 88 410 63 457 66 166 71 83 49 

 Income after taxes ...................................................................................... 76,958 48,927 80,374 85,324 90,708 88,116 63,874 69,972 53,360 

Addenda: 

 Net change in total assets and liabilities .................................................... $10,479 $4,043 -$2,760 $11,831 $2,199 $14,138 $16,893 $17,022 $16,669 

 Net change in total assets ....................................................................... 25,075 21,298 29,084 35,216 19,479 29,262 20,871 21,116 20,448 

 Net change in total liabilities.................................................................... 14,597 17,255 31,845 23,385 17,281 15,125 3,978 4,094 3,778 

 Other financial information: 

 Other money receipts .............................................................................. 1,238 4213 245 259 908 3,340 723 792 605 

 Mortgage principal paid on owned property ............................................ -2,531 -333 -1,427 -2,368 -3,222 -3,600 -2,267 -2,789 -1,366 

 Estimated market value of owned home ................................................. 244,691 39,591 113,253 161,444 233,187 289,211 315,750 317,433 312,848 

 Estimated monthly rental value of owned home ..................................... 1,289 266 693 944 1,305 1,475 1,598 1,623 1,556 

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, 2021