Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2006-2007

Item

Total

45-54

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) ....... 24,971 607 736 855 1,016 2,129 2,530 2,310 4,005 10,783 

Consumer unit characteristics: 

Income before taxes ..................................... $78,821 - $5,489 $7,973 $12,423 $17,347 $25,060 $34,736 $44,462 $59,895 $134,803 

Income after taxes ........................................ 75,398 -5,859 7,892 12,590 17,311 24,873 33,824 43,472 57,939 128,082 

Age of reference person ................................ 49.4 49.5 49.6 49.6 49.4 49.4 49.1 49.2 49.6 49.3 

Average number in consumer unit:

Persons ........................................................ 2.7 1.6 1.6 2.0 2.2 2.2 2.3 2.4 2.7 3.1 

Children under 18 ........................................ .6 .3 .3 .5 .5 .5 .5 .5 .5 .7 

Persons 65 and over .................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) .0 1 ( )

Earners ........................................................ 1.7 .5 .4 .7 .9 1.2 1.4 1.5 1.9 2.2 

Vehicles ....................................................... 2.3 1.0 .7 1.0 1.3 1.5 1.7 1.9 2.5 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 44 31 43 43 38 45 43 46 54 

Female ......................................................... 52 56 69 57 57 62 55 57 54 46 

Housing tenure:

Homeowner .................................................. 75 48 31 39 49 52 61 71 81 91 

With mortgage ............................................ 58 23 15 18 25 35 42 54 63 77 

Without mortgage ....................................... 17 25 16 21 24 18 19 18 17 15 

Renter .......................................................... 25 52 69 61 51 48 39 29 19 9 

Race of reference person:

Black or African-American ........................... 13 22 25 19 18 20 21 15 11 7 

White, Asian, and all other races ................. 87 78 75 81 82 80 79 85 89 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 11 12 14 15 19 17 14 12 10 7 

Not Hispanic or Latino .................................. 89 88 86 85 81 83 86 88 90 93 

Education of reference person:

Elementary (1-8) .......................................... 4 10 12 10 8 5 7 4 3 1 

High school (9-12) ........................................ 34 48 51 48 54 50 42 37 34 22 

College ......................................................... 63 40 36 40 37 44 52 59 63 77 

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

At least one vehicle owned or leased ............ 91 63 57 63 79 85 90 93 96 98 

Average annual expenditures .......................... $58,369 $25,008 $18,085 $22,060 $23,494 $28,554 $34,756 $39,502 $49,991 $87,610 

Food ............................................................... 7,254 3,674 3,172 3,593 3,081 4,158 4,729 5,571 6,553 10,176

Food at home ............................................... 4,019 2,452 2,346 2,306 2,092 2,745 2,858 3,331 3,806 5,256 

Cereals and bakery products ..................... 516 359 276 319 273 372 353 418 485 675 

Cereals and cereal products .................... 162 113 82 107 98 120 124 125 145 211 

Bakery products ....................................... 355 246 194 211 174 252 230 293 340 464 

Meats, poultry, fish, and eggs .................... 939 603 616 649 512 713 672 834 865 1,195 

Beef .......................................................... 275 124 155 217 145 225 204 227 258 349 

Pork .......................................................... 183 136 118 135 98 141 140 164 194 218 

Other meats ............................................. 129 76 72 70 70 87 94 122 111 170 

Poultry ...................................................... 166 110 145 112 94 122 130 142 142 213 

Fish and seafood ..................................... 144 127 96 69 75 100 70 143 121 195 

Eggs ......................................................... 43 30 30 46 31 39 35 37 39 50 

Dairy products ............................................ 431 267 208 250 222 283 323 356 415 562 

Fresh milk and cream .............................. 162 104 105 143 86 121 136 137 154 198 

Other dairy products ................................ 269 163 103 106 135 161 187 220 261 364 

Fruits and vegetables ................................. 684 411 432 365 280 464 475 595 629 906 

Fresh fruits ............................................... 229 140 156 95 97 153 153 197 204 309 

Fresh vegetables ..................................... 225 116 133 138 88 147 143 198 204 304 

Processed fruits ....................................... 120 74 66 59 45 87 83 104 116 158 

Processed vegetables .............................. 109 80 76 72 50 77 97 96 105 135 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2006-2007 — Continued

Item

Total

45-54

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 .................................... $1,449 $812 $815 $724 $805 $913 $1,035 $1,127 $1,412 $1,918 

Sugar and other sweets ........................... 153 76 82 79 68 92 101 114 163 203 

Fats and oils ............................................. 102 71 64 77 53 71 73 91 99 129 

Miscellaneous foods ................................ 730 375 404 318 415 438 509 567 703 981 

Nonalcoholic beverages ........................... 412 256 256 241 254 296 323 336 407 518 

Food prepared by consumer unit on

out-of-town trips ..................................... 52 434 410 49 415 17 28 18 41 86 

Food away from home ................................. 3,235 1,223 826 1,287 989 1,413 1,871 2,240 2,747 4,920 

Alcoholic beverages ....................................... 555 138 123 167 334 271 276 433 451 839 

Housing .......................................................... 18,828 9,329 7,956 9,105 9,814 11,139 12,415 13,916 16,343 26,701 

Shelter .......................................................... 11,260 5,550 4,588 5,433 5,987 6,808 7,515 8,375 9,480 16,033 

Owned dwellings ........................................ 8,329 2,739 1,553 1,780 2,475 3,269 4,212 5,559 7,230 13,143 

Mortgage interest and charges ................ 4,957 1,536 723 1,000 1,421 1,786 2,519 3,347 4,380 7,842 

Property taxes .......................................... 2,106 964 456 507 691 789 1,062 1,343 1,754 3,342 

Maintenance, repairs, insurance, other

expenses ................................................ 1,266 240 374 274 363 694 631 869 1,096 1,959 

Rented dwellings ........................................ 2,059 2,632 3,004 3,544 3,405 3,450 3,114 2,582 1,808 1,178 

Other lodging ............................................. 872 4179 430 4108 4107 89 188 235 442 1,712 

Utilities, fuels, and public services ............... 3,983 2,483 2,167 2,484 2,824 2,941 3,070 3,453 3,921 4,977 

Natural gas ................................................. 568 327 314 251 333 392 410 474 548 746 

Electricity .................................................... 1,472 951 907 1,059 1,164 1,170 1,201 1,301 1,432 1,777 

Fuel oil and other fuels ............................... 171 4130 456 4105 96 122 116 110 164 233 

Telephone services .................................... 1,300 788 657 753 928 938 998 1,142 1,314 1,623 

Water and other public services ................. 471 287 233 315 303 319 345 427 463 598 

Household operations .................................. 830 248 191 282 265 271 354 388 599 1,406 

Personal services ....................................... 192 446 428 433 453 460 89 446 151 334 

Other household expenses ........................ 638 202 164 249 212 211 265 341 448 1,072 

Housekeeping supplies ................................ 726 384 287 306 219 394 616 454 639 1,032 

Laundry and cleaning supplies .................. 161 99 106 118 79 104 150 128 161 198 

Other household products .......................... 367 161 149 160 107 194 203 241 316 549 

Postage and stationery .............................. 198 124 432 28 33 97 263 85 162 285 

Household furnishings and equipment ......... 2,028 662 723 600 518 724 860 1,245 1,704 3,253 

Household textiles ...................................... 145 58 39 68 42 74 59 101 125 223 

Furniture ..................................................... 523 4165 228 89 167 147 188 244 391 893 

Floor coverings .......................................... 51 41 49 43 428 6 16 13 38 93 

Major appliances ........................................ 272 128 222 116 83 119 124 176 244 409 

Small appliances, miscellaneous

housewares .............................................. 140 42 47 17 35 28 86 87 153 209 

Miscellaneous household equipment ......... 897 269 179 306 163 350 387 624 753 1,426 

Apparel and services ..................................... 2,182 1,525 1,150 810 751 960 1,198 1,580 1,893 3,224 

Men and boys .............................................. 525 89 529 242 69 257 276 464 444 766 

Men, 16 and over ....................................... 434 423 4483 210 439 176 194 394 363 646 

Boys, 2 to 15 .............................................. 92 65 46 32 30 81 82 70 81 120 

Women and girls .......................................... 935 798 201 273 417 305 501 626 817 1,420 

Women, 16 and over .................................. 802 648 122 241 377 252 425 550 720 1,213 

Girls, 2 to 15 ............................................... 133 150 479 32 39 54 76 77 97 207 

Children under 2 .......................................... 63 4169 441 421 453 29 50 50 56 78 

Footwear ...................................................... 363 4382 265 4171 4100 252 232 241 332 497 

Other apparel products and services ........... 295 87 115 103 113 116 138 199 244 463 

Transportation ................................................ 10,283 4,194 2,181 2,966 3,736 4,526 6,778 6,452 9,444 15,466 

Vehicle purchases (net outlay) ..................... 3,599 4730 4597 4646 4872 948 2,044 1,700 3,527 5,779 

Cars and trucks, new ................................. 1,863 4506 4122 4328 4138 4346 4616 767 1,597 3,269 

Cars and trucks, used ................................ 1,606 4223 4382 4318 720 539 1,312 933 1,891 2,270 

Other vehicles ............................................ 130 3 ( ) 493 3 ( ) 415 463 4116 3 ( ) 439 240 

Gasoline and motor oil ................................. 2,770 1,274 802 1,157 1,572 1,783 2,123 2,344 2,827 3,646 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2006-2007 — Continued

Item

Total

45-54

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 ............................... $3,275 $1,986 $646 $974 $1,088 $1,575 $2,349 $2,155 $2,721 $4,914 

Vehicle finance charges ............................. 335 97 448 48 104 116 187 246 373 495 

Maintenance and repairs ........................... 904 426 220 391 438 414 577 644 829 1,318 

Vehicle insurance ....................................... 1,502 41,255 4273 4367 4422 821 1,357 934 1,078 2,239 

Vehicle rental, leases, licenses, and other

charges .................................................... 535 208 105 168 124 224 228 331 441 861 

Public transportation .................................... 639 204 136 189 204 220 262 252 370 1,127 

Healthcare ...................................................... 2,774 1,356 770 1,292 1,248 1,736 1,808 2,381 2,680 3,801 

Health insurance .......................................... 1,348 691 272 502 574 771 941 1,197 1,363 1,835 

Medical services .......................................... 785 377 116 505 281 517 485 630 695 1,113 

Drugs ........................................................... 498 224 188 240 364 382 305 467 505 639 

Medical supplies .......................................... 143 465 4195 45 29 66 77 86 117 214 

Entertainment ................................................. 3,093 1,320 824 978 935 1,176 1,483 1,828 2,486 4,960 

Fees and admissions ................................... 806 279 63 106 72 177 227 345 474 1,492 

Audio and visual equipment and services .... 1,069 673 507 516 582 559 691 850 984 1,487 

Pets, toys, hobbies, and playground

equipment .................................................. 717 307 231 298 210 302 422 487 651 1,071 

Other entertainment supplies, equipment,

and services ............................................... 501 462 423 59 71 138 142 147 377 910 

Personal care products and services ............. 691 244 241 179 237 339 421 505 590 1,037 

Reading .......................................................... 135 59 28 29 31 52 57 88 112 218 

Education ....................................................... 1,711 4340 287 162 328 440 270 630 1,006 3,220 

Tobacco products and smoking supplies ....... 410 340 479 458 448 432 430 389 505 363 

Miscellaneous ................................................ 990 647 341 1,021 764 464 916 596 796 1,351 

Cash contributions ......................................... 2,044 675 276 405 704 821 870 1,074 1,306 3,497 

Personal insurance and pensions .................. 7,418 1,167 255 896 1,083 2,041 3,106 4,060 5,825 12,757 

Life and other personal insurance ................ 407 4105 445 120 103 134 163 224 279 698 

Pensions and Social Security ...................... 7,011 1,062 210 775 980 1,907 2,943 3,836 5,546 12,059 

Sources of income and personal taxes: 

Money income before taxes ........................... 78,821 -5,489 7,973 12,423 17,347 25,060 34,736 44,462 59,895 134,803 

Wages and salaries ..................................... 68,525 5,637 2,434 5,661 11,029 19,333 29,606 38,846 54,383 117,428 

Self-employment income ............................. 5,103 -12,114 497 4605 4605 1,287 1,906 1,924 2,200 10,455 

Social Security, private and government

retirement ................................................... 2,179 268 2,089 3,570 3,899 2,743 1,668 2,237 1,932 2,107 

Interest, dividends, rental income, other

property income ......................................... 1,579 132 133 189 64 259 199 248 307 3,354 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 298 425 4303 4456 4276 287 343 202 394 278 

Public assistance, supplemental security

income, food stamps .................................. 334 451 2,375 1,398 1,006 513 414 232 124 86 

Regular contributions for support ................. 559 478 4294 4318 301 493 490 680 384 716 

Other income ............................................... 246 434 4247 4226 4167 4144 109 94 171 379 

Personal taxes ............................................... 3,423 369 81 -167 35 187 912 990 1,957 6,721 

Federal income taxes ................................... 2,444 285 -85 -222 -109 9 551 561 1,307 4,940 

State and local income taxes ....................... 741 35 44 16 75 119 231 272 454 1,398 

Other taxes .................................................. 239 450 4122 439 70 58 130 157 195 384 

Income after taxes ......................................... 75,398 -5,859 7,892 12,590 17,311 24,873 33,824 43,472 57,939 128,082 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2006-2007 — Continued

Item

Total

45-54

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 ........ - $4,893 $435 $1,590 - $3,922 - $3,082 - $3,966 - $1,856 - $6,518 - $13,016 - $3,414 

Net change in total assets ............................ 9,479 3,886 3,860 34 101 921 5,270 2,882 3,941 17,956 

Net change in total liabilities ........................ 14,372 3,451 2,270 3,956 3,183 4,886 7,126 9,399 16,958 21,370 

Other financial information:

Other money receipts ................................... 819 4542 4506 4204 4255 336 148 225 344 1,514 

Mortgage principal paid on owned property -3,345 -747 -415 -531 -916 -752 -1,246 -1,475 -2,461 -5,877 

Estimated market value of owned home ...... 217,002 112,921 54,934 66,849 75,690 81,433 108,093 141,358 181,847 340,715 

Estimated monthly rental value of owned

home .......................................................... 1,034 535 276 357 410 462 604 744 929 1,542 

Gifts of goods and services ............................ 1,839 700 726 192 321 420 697 828 1,145 3,271 

Food ............................................................. 179 429 73 418 416 37 48 47 110 335 

Alcoholic beverages ..................................... 13 3 ( ) 46 3 ( ) 2 ( ) 2 ( ) 43 42 14 23 

Housing ........................................................ 365 100 98 471 63 87 208 84 218 654 

Housekeeping supplies .............................. 36 411 45 43 41 46 24 13 34 59 

Household textiles ...................................... 14 44 3 ( ) 433 44 47 48 42 14 20 

Appliances and miscellaneous

housewares .............................................. 30 428 418 42 46 45 415 412 18 52 

Major appliances ...................................... 13 415 3 ( ) 3 ( ) 3 ( ) 2 ( ) 45 42 43 25 

Small appliances and miscellaneous

housewares ............................................ 17 413 418 42 46 45 410 410 15 27 

Miscellaneous household equipment ......... 94 415 414 49 42 430 30 29 52 177 

Other housing ............................................ 190 442 462 425 450 40 131 28 99 346 

Apparel and services ................................... 300 409 434 78 76 112 198 307 279 390 

Males, 2 and over ...................................... 66 430 4196 32 415 21 56 51 73 79 

Females, 2 and over .................................. 130 4148 462 420 427 48 73 156 90 191 

Children under 2 ........................................ 50 4160 427 418 422 19 39 38 43 65 

Other apparel products and services ......... 53 471 4149 49 412 424 430 462 73 55 

Jewelry and watches ................................ 24 48 417 42 46 46 413 440 37 26 

All other apparel products and services ... 29 463 4132 47 46 418 417 422 37 29 

Transportation .............................................. 106 2 ( ) 48 46 7 22 46 27 92 188 

Health care ................................................... 35 3 ( ) 43 2 ( ) 414 43 421 46 17 66 

Entertainment ............................................... 106 419 475 49 44 420 41 60 69 185 

Toys, games, arts and crafts, and tricycles 37 44 41 47 3 ( ) 411 412 427 35 60 

Other entertainment ................................... 69 415 474 42 44 48 29 33 34 125 

Personal care products and services ........... 21 45 48 3 ( ) 42 46 15 11 12 36 

Reading ........................................................ 1 41 2 ( ) 3 ( ) 2 ( ) 2 ( ) 2 ( ) 41 1 1 

Education ..................................................... 616 486 417 41 492 4117 80 245 247 1,225 

All other gifts ................................................ 99 452 43 48 46 16 36 37 87 169 

1 Value is less than or equal to 0.05. 2 Value is less than or equal to 0.5. 3 No data reported.4 Data are likely to have large sampling errors.

n.a. Not applicable.