Table 3630. Consumer units of three people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020

Item 

Total 

three 

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)1.................................................... 19,126 669 3,775 4,018 4,698 3,527 2,438 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $106,943 $55,298 $88,647 $98,667 $119,044 $148,086 $80,254 

 Income after taxes ...................................................................................... 91,168 53,802 79,895 87,136 102,696 111,506 73,895 

 Age of reference person ............................................................................. 47.3 22.2 30.1 39.4 49.6 58.9 72.5 

 Average number in consumer unit: 

 People ...................................................................................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 

 Children under 18 .................................................................................... .7 .6 1.0 1.1 .6 .2 .2 

 Adults 65 and older .................................................................................. .3 2

.1 ( 3

 ) ( 3 ) .1 .2 1.6 

 Earners .................................................................................................... 1.8 2.0 1.7 1.7 2.0 2.0 1.3 

 Vehicles ................................................................................................... 2.2 1.9 1.8 1.9 2.5 2.7 2.2 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 45 54 45 46 41 47 49 

 Women ..................................................................................................... 55 46 55 54 59 53 51 

 Housing tenure: 

 Homeowner.............................................................................................. 67 32 46 58 75 84 88 

 With mortgage ...................................................................................... 46 20 38 48 57 52 35 

 Without mortgage ................................................................................. 21 12 9 10 17 32 53 

 Renter ...................................................................................................... 33 68 54 42 25 16 12 

 Race of reference person: 

 Black or African-American ....................................................................... 13 4 13 15 13 12 17 

 White, Asian, and all other races ............................................................. 87 96 87 85 87 88 83 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 18 43 23 18 17 13 10 

 Not Hispanic or Latino ............................................................................. 82 57 77 82 83 87 90 

 Education of reference person: 

 Elementary (1-8) ...................................................................................... 3 5 1 2 3 3 5 

 High school (9-12) ................................................................................... 28 47 26 24 25 29 36 

 College ..................................................................................................... 69 48 73 74 72 67 58 

 Never attended and other ........................................................................ ( 3 ) ( 4 ) ( 4 ) ( 3 ) 1 1 1 

 At least one vehicle owned or leased ......................................................... 93 89 92 91 95 95 92 

Average annual expenditures ........................................................................ $71,944 $46,563 $63,618 $71,972 $81,318 $82,186 $58,345 

 Food ............................................................................................................ 8,980 5,931 7,641 9,096 9,871 9,955 8,264 

 Food at home ........................................................................................... 5,498 3,429 4,763 5,391 5,772 6,183 5,709 

 Cereals and bakery products ............................................................... 697 493 570 756 724 733 724 

 Cereals and cereal products ............................................................. 232 204 194 239 243 250 232 

 Bakery products ................................................................................ 465 289 375 517 481 483 491 

 Meats, poultry, fish, and eggs .............................................................. 1,178 744 992 1,067 1,204 1,425 1,330 

 Beef ................................................................................................... 329 235 273 266 334 426 385 

 Pork ................................................................................................... 226 168 166 197 240 283 263 

 Other meats ....................................................................................... 159 134 126 161 164 185 160 

 Poultry ............................................................................................... 217 101 189 204 236 244 228 

 Fish and seafood ............................................................................... 178 262 178 168 152 216 225 

 Eggs .................................................................................................. 69 43 60 71 77 70 68 

 Dairy products ...................................................................................... 531 226 468 517 560 610 551 

 Fresh milk and cream ........................................................................ 168 94 147 178 174 181 169 

 Other dairy products .......................................................................... 363 133 321 338 386 428 382 

 Fruits and vegetables ........................................................................... 1,060 575 955 1,092 1,119 1,093 1,119 

 Fresh fruits......................................................................................... 380 201 367 371 378 409 425 

 Fresh vegetables ............................................................................... 347 145 322 376 372 348 335 

 Processed fruits ................................................................................. 137 108 121 150 145 130 140 

 Processed vegetables ....................................................................... 196 121 144 196 224 207 218 

 Other food at home ............................................................................... 2,032 1,391 1,779 1,959 2,165 2,323 1,987 

 Sugar and other sweets .................................................................... 188 143 163 180 209 202 186 

 Fats and oils ...................................................................................... 140 69 108 147 161 139 148 

 Miscellaneous foods .......................................................................... 1,099 753 1,081 1,035 1,113 1,262 1,045 

 Nonalcoholic beverages .................................................................... 544 388 389 547 597 625 575 

See footnotes at end of table. 
Table 3630. Consumer units of three people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

three 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Food prepared by consumer unit on out-of-town trips ...................... 62 238 38 50 86 94 31 

 Food away from home ............................................................................. 3,482 2,501 2,878 3,705 4,099 3,772 2,555 

 Alcoholic beverages .................................................................................... 478 205 355 401 598 669 321 

 Housing ....................................................................................................... 23,356 16,762 22,319 24,557 25,212 25,001 18,773 

 Shelter ...................................................................................................... 13,639 10,320 13,262 14,740 15,056 14,085 9,942 

 Owned dwellings .................................................................................. 8,213 1,616 5,467 8,049 10,090 10,545 7,552 

 Mortgage interest and charges ......................................................... 3,582 2805 2,978 4,113 4,603 3,707 2,257 

 Property taxes ................................................................................... 2,500 411 1,470 2,261 3,013 3,474 2,664 

 Maintenance, repairs, insurance, other expenses ............................ 2,131 400 1,020 1,675 2,474 3,364 2,631 

 Rented dwellings .................................................................................. 4,583 8,487 7,452 6,068 3,872 2,062 1,639 

 Other lodging ........................................................................................ 843 2217 342 622 1,093 1,479 751 

 Utilities, fuels, and public services ........................................................... 4,738 3,673 3,840 4,320 5,199 5,683 4,852 

 Natural gas ........................................................................................... 447 185 351 424 464 547 525 

 Electricity .............................................................................................. 1,712 1,327 1,465 1,587 1,757 2,023 1,871 

 Fuel oil and other fuels ......................................................................... 127 263 84 80 125 196 194 

 Telephone services .............................................................................. 1,722 1,635 1,432 1,563 2,021 2,038 1,420 

 Residential phone service, VOIP, and phone cards ......................... 178 289 65 92 179 303 332 

 Cellular phone service ....................................................................... 1,544 1,546 1,367 1,471 1,842 1,735 1,089 

 Water and other public services ........................................................... 730 463 508 665 832 879 842 

 Household operations .............................................................................. 1,893 792 2,404 2,496 1,682 1,451 1,452 

 Personal services ................................................................................. 710 254 1,533 1,339 346 225 2275 

 Other household expenses .................................................................. 1,183 738 871 1,157 1,336 1,426 1,177 

 Housekeeping supplies............................................................................ 819 593 669 683 931 1,049 748 

 Laundry and cleaning supplies ............................................................. 201 164 139 190 254 212 196 

 Other household products .................................................................... 501 363 430 383 558 661 477 

 Postage and stationery ......................................................................... 117 265 99 109 118 176 76 

 Household furnishings and equipment .................................................... 2,268 1,384 2,145 2,319 2,344 2,733 1,780 

 Household textiles ................................................................................ 135 263 116 166 163 140 62 

 Furniture ............................................................................................... 606 571 648 640 624 702 322 

 Floor coverings ..................................................................................... 29 23 27 22 41 31 22 

 Major appliances .................................................................................. 385 241 240 379 333 661 362 

 Small appliances, miscellaneous housewares ..................................... 124 116 95 130 165 126 73 

 Miscellaneous household equipment ................................................... 989 389 1,018 983 1,017 1,074 939 

 Apparel and services .................................................................................. 1,808 1,020 1,894 2,028 1,975 1,718 1,310 

 Men and boys .......................................................................................... 413 375 414 414 492 401 278 

 Men, 16 and over .................................................................................. 299 2312 267 224 396 333 222 

 Boys, 2 to 15 ......................................................................................... 115 62 147 190 96 68 57 

 Women and girls ...................................................................................... 647 253 547 747 847 507 532 

 Women, 16 and over ............................................................................ 528 205 433 578 678 445 495 

 Girls, 2 to 15 ......................................................................................... 118 249 114 169 170 62 37 

 Children under 2 ...................................................................................... 105 290 272 144 243 245 215 

 Footwear .................................................................................................. 403 2152 398 549 410 327 324 

 Other apparel products and services ...................................................... 240 150 264 175 182 438 160 

 Transportation ............................................................................................. 12,864 11,247 12,176 13,268 14,388 13,988 9,138 

 Vehicle purchases (net outlay) ................................................................ 5,815 25,882 6,016 6,522 6,414 5,762 3,245 

 Cars and trucks, new ............................................................................ 2,625 21,192 3,367 2,264 2,563 3,355 1,528 

 Cars and trucks, used........................................................................... 3,170 4,690 2,625 4,221 3,834 2,398 1,702 

 Other vehicles ....................................................................................... 21 ( 4 ) 223 237 218 210 216 

 Gasoline, other fuels, and motor oil ......................................................... 2,199 2,033 2,050 2,084 2,520 2,460 1,671 

 Other vehicle expenses ........................................................................... 4,217 2,954 3,670 4,089 4,671 4,994 3,619 

 Vehicle finance charges ....................................................................... 331 235 351 341 399 312 208 

 Maintenance and repairs ...................................................................... 1,026 741 790 958 1,006 1,382 1,101 

 Vehicle rental, leases, licenses, and other charges ............................. 933 443 826 1,049 1,055 1,078 595 

 Vehicle insurance ................................................................................. 1,927 1,535 1,702 1,741 2,211 2,222 1,715 

 Public and other transportation................................................................ 632 378 441 573 782 772 603 

 Healthcare ................................................................................................... 5,686 2,213 4,168 4,883 6,015 7,182 7,501 

 Health insurance ...................................................................................... 4,044 1,788 2,899 3,395 4,383 4,913 5,598 

 Medical services ...................................................................................... 967 206 906 936 984 1,278 836 

 Drugs ....................................................................................................... 500 164 238 373 451 781 876 

 Medical supplies ...................................................................................... 176 255 125 178 198 209 191 

 Entertainment .............................................................................................. 3,272 1,752 2,793 3,752 3,740 3,545 2,298 

 Fees and admissions ............................................................................... 686 196 447 858 896 821 292 

 Audio and visual equipment and services ............................................... 1,095 623 815 995 1,254 1,315 1,187 

 Pets, toys, hobbies, and playground equipment ..................................... 973 693 895 1,341 996 821 719 

 Pets ....................................................................................................... 789 600 617 1,069 842 729 601 

See footnotes at end of table. 
Table 3630. Consumer units of three people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

three 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Toys, hobbies, and playground equipment .......................................... 184 293 277 271 153 92 118 

 Other entertainment supplies, equipment, and services ......................... 518 2239 636 559 595 588 100 

 Personal care products and services ......................................................... 765 373 588 774 941 908 556 

 Reading ....................................................................................................... 83 222 60 103 80 86 98 

 Education .................................................................................................... 2,211 21,114 1,646 948 3,636 3,171 1,339 

 Tobacco products and smoking supplies ................................................... 386 317 338 374 395 438 410 

 Miscellaneous ............................................................................................. 905 424 580 1,092 817 1,212 941 

 Cash contributions ...................................................................................... 1,638 472 834 1,305 1,737 2,554 2,236 

 Personal insurance and pensions............................................................... 9,514 4,712 8,225 9,390 11,912 11,760 5,160 

 Life and other personal insurance ........................................................... 661 2136 377 461 919 894 738 

 Pensions and Social Security .................................................................. 8,853 4,575 7,849 8,929 10,992 10,866 4,422 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $106,943 $55,298 $88,647 $98,667 $119,044 $148,086 $80,254 

 Wages and salaries ................................................................................. 91,716 49,090 80,949 89,376 107,868 125,329 44,196 

 Self-employment income ......................................................................... 6,014 23,743 5,172 4,866 6,015 10,376 3,521 

 Social Security, private and government retirement ............................... 6,041 2956 684 1,271 2,304 7,581 28,564 

 Interest, dividends, rental income, other property income ...................... 1,336 2132 340 627 1,426 2,179 2,987 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 475 2556 391 516 320 716 466 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,092 2670 679 1,756 837 1,619 481 

 Other income ........................................................................................... 269 2152 432 255 274 286 238 

 Personal taxes (contains some imputed values) ........................................ 15,775 1,497 8,753 11,532 16,348 36,580 6,360 

 Federal income taxes .............................................................................. 13,508 1,514 7,013 9,648 13,415 32,432 6,020 

 Stimulus payment (new UCC Q20202)# ................................................. -1,140 2

-1,030 -964 -999 -1,092 -1,374 -1,427 

 State and local income taxes ................................................................... 3,301 905 2,660 2,816 3,819 5,420 1,688 

 Other taxes .............................................................................................. 106 2108 244 66 206 101 278 

 Income after taxes ...................................................................................... 91,168 53,802 79,895 87,136 102,696 111,506 73,895 

Addenda: 

 Net change in total assets and liabilities ..................................................... $19,514 -$3,899 $10,228 $16,357 $4,299 $69,390 $2,685 

 Net change in total assets ....................................................................... 34,461 12,938 35,145 25,194 25,415 71,768 18,045 

 Net change in total liabilities .................................................................... 14,947 16,837 24,916 8,837 21,116 2,378 15,360 

 Other financial information: 

 Other money receipts .............................................................................. 5,298 2215 2251 476 624 224,475 23,721 

 Mortgage principal paid on owned property ............................................ -2,811 2

-644 -1,685 -2,625 -3,856 -3,652 -2,223 

 Estimated market value of owned home ................................................. 225,767 43,352 134,962 195,639 259,325 319,414 265,952 

 Estimated monthly rental value of owned home ..................................... 1,204 309 749 1,050 1,390 1,608 1,465 

1

 Data are rounded to the nearest thousands. 

2

 Data are likely to have large sampling errors. 

3

 Value is too small to display. 

4

 No data reported. 

# 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