Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

55-64

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) ....... 17,785 576 1,041 1,096 1,021 2,035 1,884 1,868 2,733 5,531 

Consumer unit characteristics: 

Income before taxes ..................................... $62,736 $1,537 $7,983 $12,653 $17,441 $24,750 $34,598 $44,703 $59,105 $129,155 

Income after taxes ........................................ 59,690 1,036 7,942 12,626 17,409 24,311 33,749 43,309 56,699 121,538

Age of reference person ................................ 59.2 59.5 59.8 59.8 59.6 59.9 59.4 59.5 58.9 58.6 

Average number in consumer unit:

Persons ........................................................ 2.1 1.5 1.3 1.7 1.8 1.8 1.9 2.1 2.2 2.5 

Children under 18 ........................................ .2 1.1 1.1 .2 .2 .1 .1 .2 .2 .2 

Persons 65 and over .................................... .1 1.1 1.1 .1 .1 .1 .1 .1 .1 .1 

Earners ........................................................ 1.3 .3 .2 .4 .6 .9 1.2 1.3 1.5 1.9 

Vehicles ....................................................... 2.2 1.3 .9 1.4 1.6 1.9 2.1 2.1 2.5 2.9 

Percent distribution:

Sex of reference person:

Male ............................................................. 50 43 37 36 40 38 46 47 54 61 

Female ......................................................... 50 57 63 64 60 62 54 53 46 39 

Housing tenure:

Homeowner .................................................. 82 60 44 64 68 78 83 86 89 96 

With mortgage ............................................ 46 22 12 21 27 32 41 46 54 65 

Without mortgage ....................................... 37 38 31 43 41 46 42 40 34 30 

Renter .......................................................... 18 40 56 36 32 22 17 14 11 4 

Race of reference person:

Black or African-American ........................... 10 17 22 18 12 14 11 9 7 7 

White, Asian, and all other races ................. 90 83 78 82 88 86 89 91 93 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 7 12 13 9 12 7 8 9 5 4 

Not Hispanic or Latino .................................. 93 88 87 91 88 93 92 91 95 96 

Education of reference person:

Elementary (1-8) .......................................... 5 10 25 13 10 6 5 3 1 1 

High school (9-12) ........................................ 35 46 45 48 49 49 47 43 31 18 

College ......................................................... 59 43 29 38 40 44 48 54 67 81 

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

At least one vehicle owned or leased ............ 91 70 57 77 84 92 96 95 98 98 

Average annual expenditures .......................... $48,544 $23,003 $15,951 $22,130 $23,397 $29,838 $34,258 $39,634 $48,865 $81,501 

Food ............................................................... 6,051 3,314 2,467 3,182 3,115 4,223 4,499 5,417 6,297 9,239 

Food at home ............................................... 3,431 2,012 1,798 2,008 2,073 2,741 2,881 3,161 3,746 4,703 

Cereals and bakery products ..................... 451 291 264 273 262 363 395 424 511 593 

Cereals and cereal products .................... 138 85 91 88 77 109 125 121 151 184 

Bakery products ....................................... 313 207 173 186 185 255 270 302 359 409 

Meats, poultry, fish, and eggs .................... 860 466 454 500 514 779 751 789 933 1,144 

Beef .......................................................... 254 128 118 168 147 214 227 208 278 348 

Pork .......................................................... 185 88 114 85 130 193 175 191 219 215 

Other meats ............................................. 105 78 68 68 50 81 81 92 109 149 

Poultry ...................................................... 145 82 79 100 77 147 122 152 161 179 

Fish and seafood ..................................... 131 57 45 44 85 107 100 109 124 206 

Eggs ......................................................... 41 33 30 34 25 37 45 38 42 47 

Dairy products ............................................ 374 234 205 245 226 296 312 346 410 506 

Fresh milk and cream .............................. 138 104 95 118 91 132 133 136 135 165 

Other dairy products ................................ 237 130 109 127 135 164 179 210 275 342 

Fruits and vegetables ................................. 607 389 281 365 388 455 489 565 634 860 

Fresh fruits ............................................... 205 152 70 101 132 161 163 204 203 296 

Fresh vegetables ..................................... 207 133 101 131 136 134 163 177 215 305 

Processed fruits ....................................... 106 54 57 70 67 86 90 99 103 148 

Processed vegetables .............................. 89 49 52 63 54 74 72 86 112 110 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

55-64

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 .................................... $1,138 $632 $594 $626 $683 $848 $935 $1,038 $1,259 $1,600 

Sugar and other sweets ........................... 133 68 97 68 78 111 105 133 150 177 

Fats and oils ............................................. 96 55 62 71 71 88 94 94 93 118 

Miscellaneous foods ................................ 540 304 245 264 313 390 412 483 594 790 

Nonalcoholic beverages ........................... 306 185 175 199 202 230 275 270 358 401 

Food prepared by consumer unit on

out-of-town trips ..................................... 64 119 115 24 119 29 49 58 63 114 

Food away from home ................................. 2,620 1,302 669 1,174 1,042 1,482 1,618 2,256 2,551 4,537 

Alcoholic beverages ....................................... 455 297 72 260 118 234 243 256 410 878 

Housing .......................................................... 15,113 8,953 6,573 8,963 8,799 9,777 11,404 12,145 14,900 24,037 

Shelter .......................................................... 8,337 5,474 3,812 4,753 4,657 5,252 6,403 6,643 8,226 13,298 

Owned dwellings ........................................ 6,364 3,240 1,532 2,640 2,617 3,471 4,727 4,932 6,416 11,107 

Mortgage interest and charges ................ 2,988 1,259 650 1,010 1,094 1,523 2,018 2,430 3,032 5,385 

Property taxes .......................................... 1,823 1,113 567 841 796 1,085 1,350 1,485 1,825 3,064 

Maintenance, repairs, insurance, other

expenses ................................................ 1,553 868 314 790 727 864 1,359 1,018 1,560 2,658 

Rented dwellings ........................................ 1,223 1,790 2,188 1,950 1,802 1,508 1,357 1,315 1,234 543 

Other lodging ............................................. 751 444 192 163 238 273 319 396 576 1,647 

Utilities, fuels, and public services ............... 3,332 2,199 1,846 2,510 2,573 2,714 3,005 3,127 3,456 4,381 

Natural gas ................................................. 499 338 228 362 363 378 470 458 467 702 

Electricity .................................................... 1,218 860 703 1,018 1,019 1,037 1,105 1,169 1,253 1,533 

Fuel oil and other fuels ............................... 169 1100 96 119 136 148 197 158 186 200 

Telephone services .................................... 1,062 696 637 762 787 835 880 968 1,129 1,434 

Water and other public services ................. 385 206 182 249 267 317 353 374 421 512 

Household operations .................................. 668 332 174 266 220 271 374 500 545 1,323 

Personal services ....................................... 57 177 11 130 14 112 110 191 135 113 

Other household expenses ........................ 611 255 173 235 216 259 365 409 510 1,210 

Housekeeping supplies ................................ 696 307 312 339 481 515 523 600 777 1,017 

Laundry and cleaning supplies .................. 154 83 81 92 70 157 138 140 157 205 

Other household products .......................... 351 177 151 169 295 198 267 290 413 517 

Postage and stationery .............................. 192 47 80 79 115 161 118 170 207 295 

Household furnishings and equipment ......... 2,079 640 428 1,094 869 1,025 1,098 1,275 1,896 4,019 

Household textiles ...................................... 179 15 73 71 78 121 134 111 209 295 

Furniture ..................................................... 511 184 89 367 327 221 215 282 379 1,037 

Floor coverings .......................................... 85 139 14 116 175 44 41 64 56 171 

Major appliances ........................................ 269 173 55 183 82 157 197 245 256 461 

Small appliances, miscellaneous

housewares .............................................. 136 36 40 40 61 84 62 104 120 256 

Miscellaneous household equipment ......... 900 292 168 417 245 398 449 469 876 1,799 

Apparel and services ..................................... 1,823 962 639 702 786 697 1,151 1,469 1,600 3,373 

Men and boys .............................................. 367 374 100 172 174 143 208 365 323 644 

Men, 16 and over ....................................... 322 348 70 157 159 99 175 326 270 579 

Boys, 2 to 15 .............................................. 45 126 130 15 15 43 33 40 53 65 

Women and girls .......................................... 751 247 276 270 292 256 471 521 723 1,418 

Women, 16 and over .................................. 696 230 273 247 277 232 426 487 675 1,314 

Girls, 2 to 15 ............................................... 54 117 13 24 15 24 45 33 49 104 

Children under 2 .......................................... 53 127 137 112 17 30 36 41 45 94 

Footwear ...................................................... 325 1120 135 199 1159 135 254 363 325 522 

Other apparel products and services ........... 328 194 90 149 143 134 183 178 184 696 

Transportation ................................................ 8,700 3,661 2,544 3,458 4,541 5,833 6,309 7,714 8,974 14,255 

Vehicle purchases (net outlay) ..................... 3,717 11,278 11,045 11,116 1,770 2,601 2,303 3,490 3,694 6,329 

Cars and trucks, new ................................. 2,355 11,180 1990 1569 1978 1,556 1,099 1,635 1,841 4,562 

Cars and trucks, used ................................ 1,292 199 155 547 792 1,042 1,193 1,739 1,736 1,644 

Other vehicles ............................................ 70 3 ( ) 3 ( ) 3 ( ) 3 ( ) 13 111 1116 1117 123 

Gasoline and motor oil ................................. 1,888 946 661 1,104 1,187 1,432 1,715 1,776 2,107 2,659 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

55-64

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 ............................... $2,522 $1,192 $743 $1,101 $1,434 $1,602 $2,005 $2,141 $2,691 $4,037 

Vehicle finance charges ............................. 313 91 60 104 136 204 291 311 376 474 

Maintenance and repairs ........................... 738 355 220 376 537 472 496 598 849 1,155 

Vehicle insurance ....................................... 959 553 359 496 562 730 828 894 994 1,415 

Vehicle rental, leases, licenses, and other

charges .................................................... 512 193 103 125 200 197 390 338 471 993 

Public transportation .................................... 573 246 96 137 150 198 285 307 483 1,230 

Healthcare ...................................................... 3,352 2,256 1,483 1,973 2,197 2,645 3,065 3,665 3,645 4,406 

Health insurance .......................................... 1,580 1,182 659 982 1,100 1,312 1,340 1,665 1,727 2,081 

Medical services .......................................... 943 701 432 403 435 618 871 1,108 1,033 1,308 

Drugs ........................................................... 682 300 313 521 585 617 746 767 699 800 

Medical supplies .......................................... 147 173 79 67 77 97 108 124 185 217 

Entertainment ................................................. 2,627 1,156 695 1,275 996 2,406 1,673 1,678 2,864 4,310 

Fees and admissions ................................... 631 328 124 157 168 205 337 333 574 1,322 

Audio and visual equipment and services .... 838 482 406 527 491 622 793 774 887 1,173 

Pets, toys, hobbies, and playground

equipment .................................................. 479 246 119 246 262 229 413 401 426 814 

Other entertainment supplies, equipment,

and services ............................................... 680 100 46 344 76 1,349 129 169 977 1,001 

Personal care products and services ............. 590 286 171 297 277 380 356 534 563 996 

Reading .......................................................... 172 72 65 59 68 87 118 146 179 299 

Education ....................................................... 727 1200 139 106 157 244 142 233 416 1,855 

Tobacco products and smoking supplies ....... 318 233 305 308 352 308 418 351 340 273 

Miscellaneous ................................................ 905 451 208 405 533 501 589 784 887 1,555 

Cash contributions ......................................... 1,864 826 352 568 621 815 1,054 1,282 1,893 3,588 

Personal insurance and pensions .................. 5,845 336 340 576 938 1,688 3,236 3,961 5,897 12,435 

Life and other personal insurance ................ 577 131 141 242 233 251 349 430 575 1,083 

Pensions and Social Security ...................... 5,268 205 200 333 705 1,437 2,886 3,530 5,322 11,352 

Sources of income and personal taxes: 

Money income before taxes ........................... 62,736 1,537 7,983 12,653 17,441 24,750 34,598 44,703 59,105 129,155 

Wages and salaries ..................................... 46,071 1,219 1,184 3,203 7,148 13,564 22,949 31,355 44,819 100,301 

Self-employment income ............................. 4,253 1-1,336 136 1203 1242 939 1,125 1,594 2,774 11,086 

Social Security, private and government

retirement ................................................... 9,295 1,028 4,129 6,933 8,646 8,815 9,045 10,082 9,456 11,633 

Interest, dividends, rental income, other

property income ......................................... 2,143 -45 246 379 233 643 686 1,109 1,188 5,300 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 267 1103 1115 1227 1250 315 249 299 373 248 

Public assistance, supplemental security

income, food stamps .................................. 371 426 1,995 1,322 619 264 377 112 109 79 

Regular contributions for support ................. 204 151 156 1181 1113 1178 1146 1123 245 307 

Other income ............................................... 132 191 1222 1206 1191 132 121 127 141 200 

Personal taxes ............................................... 3,047 501 41 27 32 439 849 1,393 2,406 7,616 

Federal income taxes ................................... 2,187 218 -10 -19 -70 216 512 907 1,683 5,635 

State and local income taxes ....................... 610 12 -11 2 20 83 171 257 477 1,546 

Other taxes .................................................. 251 280 62 45 82 140 166 229 246 435 

Income after taxes ......................................... 59,690 1,036 7,942 12,626 17,409 24,311 33,749 43,309 56,699 121,538

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

55-64

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

Addenda:

Net change in total assets and liabilities ........ - $4,829 $1,629 - $2,407 - $5,171 - $780 - $702 - $2,199 - $11,803 - $8,025 - $5,117 

Net change in total assets ............................ 9,139 2,129 -1,387 3,042 -160 3,241 2,687 8,330 7,337 20,308 

Net change in total liabilities ........................ 13,969 500 1,019 8,214 620 3,943 4,887 20,133 15,362 25,425 

Other financial information:

Other money receipts ................................... 1,317 1120 1773 1123 145 371 489 326 982 3,144 

Mortgage principal paid on owned

property ...................................................... -2,617 -821 -941 -558 -596 -1,030 -1,426 -1,758 -2,259 -5,357 

Estimated market value of owned home ...... 201,854 105,526 59,171 88,709 85,160 116,554 143,651 149,128 182,948 361,076 

Estimated monthly rental value of owned

home .......................................................... 1,010 586 365 521 547 678 785 858 1,031 1,597 

Gifts of goods and services ............................ 1,612 619 288 451 466 581 824 1,139 1,304 3,340 

Food ............................................................. 156 114 126 1142 116 98 37 103 101 326 

Alcoholic beverages ..................................... 13 19 14 12 11 110 13 16 35 13 

Housing ........................................................ 368 183 126 81 120 167 184 213 388 710 

Housekeeping supplies .............................. 57 17 119 122 157 69 33 41 68 77 

Household textiles ...................................... 26 13 17 11 13 9 35 117 15 50 

Appliances and miscellaneous

housewares .............................................. 44 110 14 14 121 114 112 10 29 107 

Major appliances ...................................... 18 110 2 ( ) 14 11 11 15 11 13 46 

Small appliances and miscellaneous

housewares ............................................ 26 2 ( ) 14 11 120 113 17 19 16 61 

Miscellaneous household equipment ......... 91 155 37 17 22 44 50 51 155 144 

Other housing ............................................ 151 1109 58 136 117 31 54 95 121 331 

Apparel and services ................................... 332 120 62 60 209 138 205 393 284 585 

Males, 2 and over ...................................... 80 135 113 123 39 51 48 103 83 126 

Females, 2 and over .................................. 116 119 122 117 83 42 75 155 103 197 

Children under 2 ........................................ 46 127 116 12 17 25 26 32 44 85 

Other apparel products and services ......... 90 139 112 19 169 20 56 103 54 177 

Jewelry and watches ................................ 46 115 15 19 16 17 112 117 14 122 

All other apparel products and services ... 44 124 17 2 ( ) 162 113 44 187 140 55 

Transportation .............................................. 62 7 11 12 12 15 70 56 24 138 

Health care ................................................... 31 11 113 142 111 125 123 130 35 42 

Entertainment ............................................... 122 177 119 50 52 59 72 122 118 213 

Toys, games, arts and crafts, and

tricycles .................................................... 48 123 111 21 47 35 33 45 52 74 

Other entertainment ................................... 73 154 18 130 14 24 39 78 66 140 

Personal care products and services ........... 18 3 ( ) 119 12 121 13 8 15 22 28 

Reading ........................................................ 2 2 ( ) 2 ( ) 2 ( ) 11 2 ( ) 11 2 2 3 

Education ..................................................... 349 1147 18 127 13 18 56 186 145 974 

All other gifts ................................................ 159 60 11 41 30 39 164 103 150 308 

1 Data are likely to have large sampling errors. 2 Value less than or equal to 0.5.3 No data reported.

n.a. Not applicable.