Table 1710. Housing tenure: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 2021 

 (Aggregates in millions of dollars, unless otherwise indicated) 

Homeowner 

Item Aggregate Total Homeowner 

with mortgage 

Homeowner 

without mortgage Renter 

Number of consumer units (in thousands)1................................................... 133,595 86,465 50,331 36,134 47,130 

Percent distribution of consumer units .......................................................... 100.0 64.7 37.7 27.0 35.3 

Consumer unit characteristics (mean values): 

 Income before taxes ................................................................................... $87,432 $104,495 $123,680 $77,772 $56,130 

 Income after taxes ...................................................................................... 78,743 92,698 108,573 70,586 53,142 

 Age of reference person ............................................................................. 51.8 55.7 50.2 63.3 44.9 

 Average number in consumer unit: 

 People ..................................................................................................... 2.4 2.6 2.8 2.2 2.2 

 Children under 18 .................................................................................... .6 .6 .8 .3 .6 

 Adults 65 and older ................................................................................. .4 .5 .3 .8 .2 

 Earners .................................................................................................... 1.3 1.3 1.6 .9 1.2 

 Vehicles ................................................................................................... 1.9 2.2 2.4 2.1 1.2 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 47 49 50 47 45 

 Women .................................................................................................... 53 51 50 53 55 

 Housing tenure: 

 Homeowner ............................................................................................. 65 100 100 100 n.a. 

 With mortgage ...................................................................................... 38 58 100 n.a. n.a. 

 Without mortgage ................................................................................. 27 42 n.a. 100 n.a. 

 Renter ...................................................................................................... 35 n.a. n.a. n.a. 100 

 Race of reference person: 

 Black or African-American ....................................................................... 13 9 10 7 22 

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

 African-American .................................................................................. 87 91 90 93 78 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 15 11 12 10 21 

 Not Hispanic or Latino ............................................................................. 85 89 88 90 79 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 28 24 19 31 35 

 College .................................................................................................... 69 73 79 66 60 

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

 At least one vehicle owned or leased ......................................................... 89 96 97 94 77 

Annual aggregate expenditures..................................................................... $8,937,383 73.8 50.0 23.7 26.2 

 Food ............................................................................................................ 1,105,178 71.5 49.9 21.6 28.5 

 Food at home .......................................................................................... 701,087 71.3 48.7 22.6 28.7 

 Cereals and bakery products ............................................................... 89,592 72.3 49.1 23.2 27.7 

 Cereals and cereal products ............................................................. 28,017 70.8 48.7 22.1 29.2 

 Bakery products ................................................................................ 61,575 73.0 49.3 23.8 27.0 

 Meats, poultry, fish, and eggs .............................................................. 148,655 69.7 47.0 22.7 30.3 

 Beef ................................................................................................... 39,018 69.0 46.6 22.4 31.0 

 Pork ................................................................................................... 29,713 69.8 44.4 25.5 30.2 

 Other meats ...................................................................................... 20,081 73.7 49.3 24.4 26.3 

 Poultry ............................................................................................... 27,052 68.2 47.7 20.5 31.8 

 Fish and seafood .............................................................................. 23,778 69.8 48.2 21.6 30.2 

 Eggs .................................................................................................. 9,012 67.5 46.4 21.1 32.5 

 Dairy products ...................................................................................... 65,568 72.5 49.4 23.1 27.5 

 Fresh milk and cream ....................................................................... 20,941 70.3 47.6 22.7 29.7 

 Other dairy products ......................................................................... 44,627 73.6 50.3 23.3 26.4 

 Fruits and vegetables ........................................................................... 137,670 71.3 49.0 22.3 28.7 

 Fresh fruits ........................................................................................ 50,421 71.4 48.6 22.8 28.6 

 Fresh vegetables .............................................................................. 43,712 71.2 49.2 22.0 28.8 

 Processed fruits ................................................................................ 17,683 70.8 47.9 22.9 29.2 

 Processed vegetables ...................................................................... 25,854 71.6 50.0 21.6 28.4 

 Other food at home .............................................................................. 259,603 71.7 49.3 22.4 28.3 

 Sugar and other sweets .................................................................... 24,263 74.5 52.1 22.4 25.5 

 Fats and oils ...................................................................................... 17,664 70.1 46.8 23.3 29.9 

See footnotes at end of table. 
Table 1710. Housing tenure: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 2021 

— Continued 

 (Aggregates in millions of dollars, unless otherwise indicated) 

Homeowner 

Item Aggregate Total Homeowner 

with mortgage 

Homeowner 

without mortgage Renter 

 Miscellaneous foods ......................................................................... 139,776 71.7 49.5 22.2 28.3 

 Nonalcoholic beverages ................................................................... 68,632 70.7 48.6 22.0 29.3 

 Food prepared by consumer unit on out of town trips ...................... 9,267 74.7 49.1 25.5 25.3 

 Food away from home............................................................................. 404,091 71.8 51.8 19.9 28.2 

 Alcoholic beverages ................................................................................... 73,841 74.9 52.4 22.5 25.1 

 Housing ....................................................................................................... 3,021,905 69.4 48.0 21.4 30.6 

 Shelter ..................................................................................................... 1,771,197 63.8 46.9 17.0 36.2 

 Owned dwellings .................................................................................. 1,014,119 99.6 74.5 25.1 .4 

 Mortgage interest and charges ......................................................... 371,521 99.7 98.7 1.0 3

.3 

 Property taxes ................................................................................... 330,672 99.6 62.6 37.0 .4 

 Maintenance, repairs, insurance, and other expenses .................... 311,926 99.4 58.2 41.2 .6 

 Rented dwellings .................................................................................. 625,766 1.6 .6 1.0 98.4 

 Other lodging ........................................................................................ 131,312 83.8 53.9 29.8 16.2 

 Utilities, fuels, and public services .......................................................... 564,237 76.2 46.7 29.5 23.8 

 Natural gas ........................................................................................... 59,764 80.6 48.7 31.9 19.4 

 Electricity .............................................................................................. 207,189 74.3 44.6 29.7 25.7 

 Fuel oil and other fuels ......................................................................... 16,247 93.9 47.0 46.9 6.1 

 Telephone services .............................................................................. 188,193 71.8 45.8 26.0 28.2 

 Residential phone service, VOIP, and phone cards ......................... 22,060 84.5 37.0 47.6 15.5 

 Cellular phone service ...................................................................... 166,134 70.1 46.9 23.1 29.9 

 Water and other public services .......................................................... 92,843 83.6 52.1 31.4 16.4 

 Household operations ............................................................................. 218,873 78.4 50.6 27.8 21.6 

 Personal services ................................................................................. 50,394 76.8 64.7 12.1 23.2 

 Other household expenses .................................................................. 168,479 78.8 46.4 32.5 21.2 

 Housekeeping supplies ........................................................................... 107,042 77.0 49.9 27.1 23.0 

 Laundry and cleaning supplies ............................................................ 23,789 68.2 42.2 26.0 31.8 

 Other household products .................................................................... 68,508 80.3 53.7 26.6 19.7 

 Postage and stationery ........................................................................ 14,745 76.0 45.0 31.0 24.0 

 Household furnishings and equipment .................................................... 360,556 78.6 53.8 24.8 21.4 

 Household textiles ................................................................................ 16,221 78.5 51.5 27.0 21.5 

 Furniture ............................................................................................... 95,600 75.5 49.9 25.6 24.5 

 Floor coverings ..................................................................................... 4,439 81.9 55.0 26.9 18.1 

 Major appliances .................................................................................. 61,922 84.6 52.6 32.0 15.4 

 Small appliances and miscellaneous housewares .............................. 18,949 72.1 49.4 22.8 27.9 

 Miscellaneous household equipment ................................................... 163,425 78.7 57.2 21.5 21.3 

 Apparel and services .................................................................................. 233,952 67.2 46.1 21.1 32.8 

 Men and boys .......................................................................................... 56,507 67.6 48.6 18.9 32.4 

 Men, 16 and over ................................................................................. 41,298 69.4 47.9 21.6 30.6 

 Boys, 2 to 15 ........................................................................................ 15,210 62.5 50.7 11.8 37.5 

 Women and girls ..................................................................................... 87,858 69.6 49.4 20.2 30.4 

 Women, 16 and over ............................................................................ 73,157 70.5 49.0 21.5 29.5 

 Girls, 2 to 15 ......................................................................................... 14,701 65.5 51.5 14.0 34.5 

 Children under 2 ...................................................................................... 8,844 56.3 41.5 14.8 43.7 

 Footwear .................................................................................................. 44,801 66.4 47.8 18.7 33.6 

 Other apparel products and services ...................................................... 35,942 64.5 33.4 31.1 35.5 

 Transportation ............................................................................................ 1,464,325 74.3 49.9 24.4 25.7 

 Vehicle purchases (net outlay) ................................................................ 645,014 76.5 52.6 23.9 23.5 

 Cars and trucks, new ........................................................................... 295,306 81.9 57.4 24.5 18.1 

 Cars and trucks, used .......................................................................... 341,296 71.6 48.3 23.4 28.4 

 Other vehicles ...................................................................................... 8,412 87.4 61.1 26.3 12.6 

 Gasoline, other fuels, and motor oil ........................................................ 286,902 72.2 47.0 25.2 27.8 

 Other vehicle expenses ........................................................................... 472,093 73.2 48.5 24.8 26.8 

 Vehicle finance charges ....................................................................... 36,325 74.5 55.6 18.9 25.5 

 Maintenance and repairs ..................................................................... 130,199 72.7 46.1 26.6 27.3 

 Vehicle rental, leases, licenses, and other charges ............................ 101,488 76.5 52.7 23.8 23.5 

 Vehicle insurance ................................................................................. 204,080 71.7 46.6 25.1 28.3 

 Public and other transportation ............................................................... 60,316 69.5 45.7 23.8 30.5 

 Healthcare .................................................................................................. 728,228 80.2 46.8 33.4 19.8 

 Health insurance ..................................................................................... 494,784 80.5 45.9 34.7 19.5 

 Medical services ...................................................................................... 142,902 79.7 51.8 27.9 20.3 

 Drugs ....................................................................................................... 66,401 79.6 44.5 35.1 20.4 

 Medical supplies ...................................................................................... 24,141 77.6 43.4 34.2 22.4 

 Entertainment ............................................................................................. 476,379 80.6 54.8 25.7 19.4 

 Fees and admissions .............................................................................. 87,296 80.6 53.9 26.7 19.4 

 Audio and visual equipment and services............................................... 136,305 73.3 44.9 28.5 26.7 

See footnotes at end of table. 
Table 1710. Housing tenure: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 2021 

— Continued 

 (Aggregates in millions of dollars, unless otherwise indicated) 

Homeowner 

Item Aggregate Total Homeowner 

with mortgage 

Homeowner 

without mortgage Renter 

 Pets, toys, hobbies, and playground equipment ..................................... 129,294 81.3 58.3 22.9 18.7 

 Pets ...................................................................................................... 102,783 82.1 57.8 24.3 17.9 

 Toys, hobbies, and playground equipment .......................................... 26,511 78.0 60.2 17.8 22.0 

 Other entertainment supplies, equipment, and services ........................ 123,484 87.8 62.9 24.9 12.2 

 Personal care products and services ......................................................... 102,831 71.3 48.2 23.1 28.7 

 Reading ...................................................................................................... 15,229 73.6 47.8 25.8 26.4 

 Education .................................................................................................... 163,787 76.9 54.3 22.6 23.1 

 Tobacco products and smoking supplies ................................................... 45,605 58.5 34.7 23.9 41.5 

 Miscellaneous ............................................................................................. 131,738 78.4 53.7 24.8 21.6 

 Cash contributions ...................................................................................... 322,566 86.5 44.0 42.5 13.5 

 Personal insurance and pensions .............................................................. 1,051,819 77.7 58.5 19.2 22.3 

 Life and other personal insurance ........................................................... 63,249 83.4 58.7 24.7 16.6 

 Pensions and Social Security.................................................................. 988,570 77.3 58.4 18.9 22.7 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $11,680,535 77.4 53.3 24.1 22.6 

 Wages and salaries ................................................................................. 9,005,474 76.4 57.8 18.6 23.6 

 Self-employment income ......................................................................... 812,912 79.1 53.8 25.3 20.9 

 Social Security, private and government retirement ............................... 1,286,764 84.7 29.3 55.4 15.3 

 Interest, dividends, rental income, and other property income ............... 304,491 93.9 37.4 56.5 6.1 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 78,876 36.6 19.9 16.7 63.4 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 147,077 61.7 43.4 18.4 38.3 

 Other income ........................................................................................... 44,941 40.0 22.2 17.9 60.0 

 Personal taxes (contains some imputed values) ....................................... 1,160,821 87.9 65.5 22.4 12.1 

 Federal income taxes .............................................................................. 1,143,769 84.0 60.8 23.2 16.0 

 Stimulus payment .................................................................................... -339,560 66.3 41.4 24.9 33.7 

 State and local income taxes .................................................................. 342,557 79.2 58.6 20.6 20.8 

 Other taxes .............................................................................................. 14,055 90.0 32.7 57.3 10.0 

 Income after taxes ...................................................................................... 10,519,715 76.2 51.9 24.2 23.8 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 Data are likely to have large sampling errors. 

n.a. Not applicable. 

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2022