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

characteristics, Consumer Expenditure Survey, 2014-2015

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) ....... 16,248 720 3,773 5,269 4,065 1,659 760

Consumer unit characteristics:

Income before taxes ....................................... $95,173 $49,721 $68,083 $106,738 $114,727 $103,239 $70,395

Income after taxes .......................................... 82,928 48,745 63,136 90,381 97,727 90,085 67,147

Age of reference person ................................. 42.5 21.6 30.3 39.6 49.1 58.8 72.7

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 1.2 2.0 1.8 1.3 .7 .6

Adults 65 and older ...................................... .1 1.1 2 ( ) 2 ( ) 2 ( ) .2 1.5

Earners ......................................................... 1.9 1.9 1.7 1.8 2.3 2.4 1.7

Vehicles ........................................................ 2.3 1.6 1.9 2.2 2.8 2.8 2.6

Percent distribution:

Reference person:

Men .............................................................. 45 36 42 43 49 50 49

Women ......................................................... 55 64 58 57 51 50 51

Housing tenure:

Homeowner .................................................. 66 32 50 67 79 79 79

With mortgage ............................................ 51 15 43 57 60 52 39

Without mortgage ....................................... 15 16 7 10 19 27 40

Renter ........................................................... 34 68 50 33 21 21 21

Race of reference person:

Black or African-American ............................ 11 14 13 9 10 14 14

White, Asian, and all other races .................. 89 86 87 91 90 86 86

Hispanic or Latino origin of reference person:

Hispanic or Latino ......................................... 20 34 23 21 16 14 16

Not Hispanic or Latino .................................. 80 66 77 79 84 86 84

Education of reference person:

Elementary (1-8) ........................................... 3 1 3 2 3 4 10

High school (9-12) ........................................ 31 60 32 25 28 34 54

College ......................................................... 65 38 65 72 68 60 36

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

At least one vehicle owned or leased ............. 94 78 93 93 97 97 96

Average annual expenditures ........................... $73,315 $46,475 $58,445 $77,660 $88,972 $74,762 $57,411

Food ............................................................... 9,707 6,872 7,911 10,022 11,779 10,228 7,714

Food at home ............................................... 5,694 4,426 4,950 5,666 6,587 6,379 5,061

Cereals and bakery products ..................... 761 559 609 772 933 821 656

Cereals and cereal products .................... 265 204 225 284 306 246 226

Bakery products ....................................... 495 355 384 487 628 574 430

Meats, poultry, fish, and eggs .................... 1,297 1,027 1,177 1,243 1,522 1,444 1,110

Beef .......................................................... 341 272 336 297 428 338 312

Pork .......................................................... 240 161 216 226 280 299 216

Other meats .............................................. 193 132 161 194 237 197 176

Poultry ...................................................... 264 249 236 272 297 286 136

Fish and seafood ...................................... 177 141 147 171 196 238 196

Eggs ......................................................... 82 73 80 84 84 86 74

Dairy products ............................................ 617 403 523 623 734 682 547

Fresh milk and cream ............................... 215 165 201 219 240 229 163

Other dairy products ................................. 401 238 322 403 494 453 384

Fruits and vegetables ................................. 1,090 947 935 1,109 1,224 1,200 982

Fresh fruits ............................................... 417 380 329 435 485 445 362

Fresh vegetables ...................................... 338 297 306 322 369 410 346

Processed fruits ........................................ 149 131 132 152 170 151 131

Processed vegetables .............................. 186 139 168 200 200 194 143

Other food at home .................................... 1,931 1,490 1,706 1,919 2,173 2,233 1,766

Sugar and other sweets ........................... 184 142 144 186 221 201 187

Fats and oils ............................................. 152 125 126 157 168 174 160

Miscellaneous foods ................................. 1,018 825 954 1,018 1,100 1,167 827

Nonalcoholic beverages ........................... 509 379 436 480 601 625 530

Food prepared by consumer unit on

out-of-town trips ...................................... 67 119 45 79 84 66 163

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 Survey, 2014-2015 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Food away from home .................................. 4,013 2,446 2,961 4,356 5,192 3,849 2,653

Alcoholic beverages ....................................... 519 180 349 627 662 476 305

Housing .......................................................... 23,650 16,737 20,333 26,433 26,045 22,457 17,552

Shelter .......................................................... 13,512 10,253 11,226 15,640 14,979 12,200 8,212

Owned dwellings ........................................ 8,702 2,011 5,887 10,566 10,646 8,796 5,487

Mortgage interest and charges ................. 4,940 1,135 3,847 6,291 5,562 4,278 2,721

Property taxes .......................................... 2,436 475 1,339 2,689 3,384 2,967 1,767

Maintenance, repairs, insurance, other

expenses ................................................ 1,325 400 701 1,586 1,700 1,551 999

Rented dwellings ........................................ 4,000 7,902 4,970 4,333 3,002 2,447 1,905

Other lodging .............................................. 810 1341 368 741 1,331 957 820

Utilities, fuels, and public services ................ 5,005 3,971 4,065 5,015 5,781 5,568 5,193

Natural gas ................................................. 523 280 427 547 606 591 459

Electricity .................................................... 1,859 1,678 1,561 1,889 2,039 2,027 1,979

Fuel oil and other fuels ............................... 137 135 91 96 185 213 321

Telephone services .................................... 1,793 1,514 1,443 1,770 2,150 1,970 1,661

Residential phone service, VOIP, and

phone cards ............................................ 356 193 197 344 452 497 556

Cellular phone service .............................. 1,437 1,321 1,246 1,425 1,699 1,474 1,105

Water and other public services ................. 693 464 543 713 800 767 774

Household operations .................................. 2,201 765 2,631 2,942 1,731 1,212 972

Personal services ....................................... 1,163 1300 1,894 1,743 461 1202 1180

Other household expenses ........................ 1,038 465 737 1,199 1,270 1,010 792

Housekeeping supplies ................................ 792 444 646 735 972 1,020 939

Laundry and cleaning supplies ................... 208 111 189 197 237 242 271

Other household products .......................... 437 274 338 403 542 623 445

Postage and stationery ............................... 147 59 119 135 193 155 223

Household furnishings and equipment ......... 2,140 1,304 1,765 2,101 2,582 2,458 2,236

Household textiles ...................................... 139 158 115 143 156 137 233

Furniture ..................................................... 591 484 507 595 775 414 484

Floor coverings ........................................... 17 19 15 12 25 18 115

Major appliances ........................................ 303 238 231 333 335 335 273

Small appliances, miscellaneous

housewares .............................................. 116 95 122 111 144 87 63

Miscellaneous household equipment ......... 974 421 776 906 1,147 1,467 1,168

Apparel and services ...................................... 3,043 1,758 2,413 3,154 4,282 2,397 1,623

Men and boys ............................................... 671 488 512 791 778 611 376

Men, 16 and over ....................................... 430 381 316 424 541 551 275

Boys, 2 to 15 .............................................. 241 108 196 367 236 60 101

Women and girls .......................................... 1,025 438 758 935 1,549 1,072 824

Women, 16 and over .................................. 765 346 556 670 1,194 759 722

Girls, 2 to 15 ............................................... 260 92 202 265 354 313 102

Children under 2 ........................................... 176 360 358 131 61 1101 1123

Footwear ...................................................... 618 1318 427 650 1,003 351 1179

Other apparel products and services ........... 553 154 357 648 892 262 121

Transportation ................................................ 13,114 9,991 11,681 12,538 15,718 14,096 11,363

Vehicle purchases (net outlay) ..................... 5,574 4,778 5,585 5,093 6,363 5,832 4,817

Cars and trucks, new .................................. 2,457 1804 2,737 2,125 2,336 3,577 13,141

Cars and trucks, used ................................ 3,007 3,686 2,730 2,776 4,023 2,207 1,658

Other vehicles ............................................ 109 1287 1117 1192 15

148 117

Gasoline and motor oil ................................. 3,219 2,493 2,838 3,256 3,662 3,475 2,616

Other vehicle expenses ................................ 3,594 2,339 2,839 3,380 4,639 4,056 3,672

Vehicle finance charges ............................. 341 246 348 357 341 375 214

Maintenance and repairs ............................ 1,034 529 691 1,044 1,342 1,292 973

Vehicle insurance ....................................... 1,407 11,310 1,136 1,050 2,017 11,548 11,963

Vehicle rental, leases, licenses, and other

charges ..................................................... 812 255 664 928 939 841 522

Public and other transportation .................... 727 382 419 808 1,054 732 258

Healthcare ...................................................... 4,895 2,342 3,407 4,978 5,870 6,291 5,906

Health insurance .......................................... 3,356 1,641 2,480 3,486 3,945 3,828 4,249

Medical services ........................................... 952 469 613 907 1,134 1,684 842

Drugs ............................................................ 439 166 216 440 576 626 695

Medical supplies ........................................... 148 166 98 145 216 152 121

Entertainment ................................................. 3,551 1,519 2,600 4,311 4,192 3,219 2,313

Fees and admissions ................................... 1,144 197 506 1,675 1,533 766 273

Audio and visual equipment and services .... 1,266 916 1,026 1,393 1,426 1,212 1,152

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 Survey, 2014-2015 — 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, toys, hobbies, and playground

equipment ................................................... 713 313 720 692 748 835 818

Pets ............................................................ 494 197 424 446 588 664 672

Toys, hobbies, and playground equipment 219 1116 296 246 160 171 1146

Other entertainment supplies, equipment,

and services ............................................... 427 94 348 551 486 405 171

Personal care products and services ............. 883 510 648 925 1,124 893 851

Reading .......................................................... 119 152 84 106 158 168 164

Education ....................................................... 1,903 1,598 827 1,614 3,697 1,488 830

Tobacco products and smoking supplies ....... 405 617 338 331 403 478 875

Miscellaneous ................................................. 1,008 342 662 1,284 1,177 882 783

Cash contributions .......................................... 1,552 291 1,075 1,724 2,112 1,358 1,341

Personal insurance and pensions .................. 8,967 3,665 6,118 9,612 11,752 10,331 5,791

Life and other personal insurance ................ 434 146 169 497 560 779 263

Pensions and Social Security ....................... 8,532 3,619 5,949 9,115 11,192 9,551 5,528

Sources of income and personal taxes:

Money income before taxes ........................... $95,173 $49,721 $68,083 $106,738 $114,727 $103,239 $70,395

Wages and salaries ...................................... 83,132 44,651 62,786 94,959 101,533 81,720 43,310

Self-employment income .............................. 6,210 11,469 2,452 8,716 8,010 6,536 1,665

Social Security, private and government

retirement ................................................... 2,847 11,258 499 833 2,134 7,950 22,634

Interest, dividends, rental income, other

property income .......................................... 1,365 1104 298 937 1,768 4,798 1,167

Public assistance, Supplemental Security

Income, Supplementary Nutrition

Assistance Program (SNAP) ...................... 794 1,591 1,217 613 484 797 833

Unemployment and workers’

compensation, veterans’ benefits, and

regular contributions for support ................. 539 1327 459 458 578 952 592

Other income ................................................ 286 1320 372 221 220 1485 1193

Personal taxes (contains some imputed

values) .......................................................... 12,245 976 4,947 16,357 17,000 13,153 3,247

Federal income taxes ................................... 9,383 139 3,332 12,880 13,164 10,055 2,256

State and local income taxes ....................... 2,810 808 1,584 3,442 3,735 3,059 932

Other taxes ................................................... 52 129 131 35 101 140 160

Income after taxes .......................................... 82,928 48,745 63,136 90,381 97,727 90,085 67,147

Addenda:

Net change in total assets and liabilities ........ $7,258 - $2,953 - $3,419 $7,737 $18,834 $4,878 $9,899

Net change in total assets ............................ 21,403 8,725 10,781 25,220 33,126 12,754 15,872

Net change in total liabilities ......................... 14,145 11,677 14,200 17,483 14,292 7,875 5,973

Other financial information:

Other money receipts ................................... 858 110 122 691 977 13,486 1100

Mortgage principal paid on owned property -2,638 -611 -1,405 -2,988 -3,741 -2,790 -2,030

Estimated market value of owned home ...... 202,439 48,910 107,156 231,088 271,652 231,317 189,175

Estimated monthly rental value of owned

home .......................................................... 1,107 348 676 1,183 1,444 1,370 1,061

Gifts of goods and services, total ................... 1,134 300 646 619 2,488 1,215 631

Food ............................................................. 83 118 81 45 120 185 125

Alcoholic beverages ..................................... 10 3 ( ) 15 14 11 19 3 ( )

Housing ........................................................ 184 188 155 140 254 248 245

Housekeeping supplies .............................. 23 16 11 29 24 28 139

Household textiles ...................................... 19

3 ( ) 2 ( ) 12133 142 ( )

Appliances and miscellaneous

housewares .............................................. 12 14

123 15113 112 111

Major appliances ...................................... 6 13

113 3 ( ) 1619111

Small appliances and miscellaneous

housewares ............................................ 6 11

110 15161311

Miscellaneous household equipment ......... 45 14 46 28 59 183 152

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 Survey, 2014-2015 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other housing ............................................. 95 176 74 77 124 121 1142

Apparel and services .................................... 351 1126 203 177 873 147 235

Males, 2 and over ....................................... 48 170 20 55 62 151 127

Females, 2 and over ................................... 67 126 47 44 120 134 1159

Children under 2 ......................................... 53 128 75 158 137 155 115

Other apparel products and services ......... 184 11

160 121 1654 17133

Jewelry and watches ................................ 165 11

145 121625 2 ( ) 116

All other apparel products and services ... 19 3 ( ) 115 120 129 17

117

Transportation .............................................. 116 9 100 85 137 280 37

Healthcare .................................................... 9 3 ( ) 12

15117 126 13

Entertainment ............................................... 86 139 61 84 102 150 148

Toys, games, arts and crafts, and tricycles 34 113 141 38 131 130 123

Other entertainment ................................... 52 126 20 46 71 120 125

Personal care products and services ........... 8 3 ( ) 17 7 11 17

15

Reading ........................................................ 5 2 ( ) 12 5 5 111 110

Education ..................................................... 236 12

13123 888 159 3 ( )

All other gifts ................................................. 45 117 26 34 71 83 123

1 Data are likely to have large sampling errors.

2 Value is too small to display.

3 No data reported.

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, August, 2016