Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2021-2022

Item

Total

35-44

years

Less

than

$15,000

$15,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

to

$99,999

$100,000

and

more

Number of consumer units (in thousands)1................................................... 22,867 1,369 1,733 1,451 1,496 2,962 3,859 9,998 

Consumer unit characteristics:

 Income before taxes ................................................................................... $113,151 $7,174 $23,370 $35,260 $44,481 $59,286 $83,444 $192,217 

 Income after taxes ...................................................................................... 100,690 12,056 30,510 41,346 48,722 60,909 80,598 160,911 

 Age of reference person............................................................................. 39.4 39.5 39.4 39.4 39.3 39.5 39.3 39.5 

 Average number in consumer unit:

 People ..................................................................................................... 3.3 2.6 2.9 3.1 3.0 3.1 3.3 3.6 

 Children under 18.................................................................................... 1.4 1.2 1.3 1.5 1.3 1.3 1.3 1.5 

 Adults 65 and older ................................................................................. ( 2 ) ( 2 ) 3

.1 3.1 ( 2

 ) ( 2 ) ( 2 ) ( 2 ) 

 Earners .................................................................................................... 1.6 .7 1.0 1.3 1.3 1.5 1.7 2.0 

 Vehicles ................................................................................................... 1.9 1.0 1.2 1.3 1.4 1.7 2.1 2.4 

Percent distribution:

 Reference person:

 Men.......................................................................................................... 49 43 42 38 39 46 51 55 

 Women .................................................................................................... 51 57 58 62 61 54 49 45 

 Housing tenure:

 Homeowner............................................................................................. 61 27 32 30 39 47 65 81 

 With mortgage...................................................................................... 50 17 15 17 32 38 52 71 

 Without mortgage................................................................................. 11 9 16 13 8 9 13 10 

 Renter...................................................................................................... 39 73 68 70 61 53 35 19 

 Race of reference person:

 Black or African-American....................................................................... 15 21 26 18 26 19 15 9 

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

 African-American.................................................................................. 85 79 74 82 74 81 85 91 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino.................................................................................... 19 29 31 30 23 24 21 12 

 Not Hispanic or Latino............................................................................. 81 71 69 70 77 76 79 88 

 Education of reference person:

 Elementary (1-8)...................................................................................... 3 7 6 7 4 3 2 1 

 High school (9-12)................................................................................... 25 48 53 42 37 33 21 11 

 College .................................................................................................... 72 44 40 49 58 63 77 88 

 Never attended and other ....................................................................... ( 2 ) 1 ( 2 ) 2 ( 4 ) 1 ( 4 ) ( 2 ) 

 At least one vehicle owned or leased......................................................... 91 70 75 85 86 93 95 97 

Average annual expenditures........................................................................ $83,004 $36,647 $37,124 $43,657 $50,753 $57,885 $72,541 $119,890 

 Food............................................................................................................ 10,427 6,853 6,257 6,848 7,468 8,526 9,502 13,829 

 Food at home .......................................................................................... 6,493 5,322 4,293 4,841 4,887 5,588 6,213 8,054 

 Cereals and bakery products ............................................................... 822 652 533 550 620 728 820 1,016 

 Cereals and cereal products............................................................. 269 225 188 229 197 256 245 326 

 Bakery products................................................................................ 553 426 345 321 424 472 575 690 

 Meats, poultry, fish, and eggs.............................................................. 1,374 1,297 1,197 1,032 1,132 1,192 1,358 1,586 

 Beef................................................................................................... 356 350 331 302 284 344 365 386 

 Pork................................................................................................... 278 282 239 204 211 228 287 323 

 Other meats ...................................................................................... 178 162 140 152 143 128 186 211 

 Poultry............................................................................................... 260 248 265 159 214 223 251 302 

 Fish and seafood .............................................................................. 204 165 151 124 195 172 179 256 

 Eggs.................................................................................................. 97 90 71 91 84 97 89 109 

 Dairy products ...................................................................................... 600 498 342 449 446 499 570 762 

 Fresh milk and cream ....................................................................... 198 169 138 172 170 180 189 234 

 Other dairy products ......................................................................... 402 329 204 277 276 319 381 528 

 Fruits and vegetables........................................................................... 1,281 1,037 756 1,030 970 1,105 1,210 1,600 

 Fresh fruits ........................................................................................ 464 360 247 401 376 382 395 600 

 Fresh vegetables .............................................................................. 418 288 264 334 305 328 426 527 

 Processed fruits ................................................................................ 168 174 88 134 124 174 167 194 

 Processed vegetables ...................................................................... 232 215 156 160 165 220 223 280 

 Other food at home .............................................................................. 2,416 1,838 1,466 1,780 1,718 2,063 2,255 3,090 

 Sugar and other sweets.................................................................... 211 173 142 142 141 216 207 255 

 Fats and oils...................................................................................... 170 130 146 117 125 131 172 209 

 Miscellaneous foods ......................................................................... 1,288 940 699 957 945 1,081 1,185 1,678 

See footnotes at end of table.
Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2021-2022 — Continued

Item

Total

35-44

years

Less

than

$15,000

$15,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

to

$99,999

$100,000

and

more

 Nonalcoholic beverages ................................................................... 649 575 452 538 467 575 616 786 

 Food prepared by consumer unit on out of town trips...................... 99 321 327 326 40 60 75 161 

 Food away from home ............................................................................ 3,933 1,532 1,963 2,007 2,581 2,938 3,289 5,776 

 Alcoholic beverages ................................................................................... 733 439 280 336 342 379 599 1,147 

 Housing....................................................................................................... 27,655 15,668 16,214 17,712 19,386 20,743 23,720 37,603 

 Shelter ..................................................................................................... 16,399 9,508 9,692 10,825 12,083 12,515 14,040 22,021 

 Owned dwellings .................................................................................. 9,437 2,327 2,223 2,455 3,955 4,542 7,513 15,688 

 Mortgage interest and charges......................................................... 4,463 1,124 860 1,066 1,966 2,284 3,556 7,407 

 Property taxes................................................................................... 2,697 661 712 640 1,037 1,304 2,084 4,516 

 Maintenance, repairs, insurance, and other expenses .................... 2,277 543 650 748 952 954 1,873 3,764 

 Rented dwellings.................................................................................. 5,909 6,783 7,319 8,168 7,807 7,595 5,871 4,449 

 Other lodging........................................................................................ 1,053 397 3150 3202 320 378 655 1,885 

 Utilities, fuels, and public services .......................................................... 4,740 2,951 3,595 3,724 3,968 4,331 4,719 5,575 

 Natural gas........................................................................................... 514 311 354 326 378 455 477 649 

 Electricity.............................................................................................. 1,734 1,252 1,457 1,536 1,544 1,613 1,729 1,942 

 Fuel oil and other fuels......................................................................... 106 317 333 392 381 70 80 156 

 Telephone services.............................................................................. 1,626 937 1,299 1,302 1,446 1,564 1,691 1,843 

 Residential phone service, VOIP, and phone cards......................... 79 89 81 349 55 60 58 98 

 Cellular phone service ...................................................................... 1,547 847 1,218 1,253 1,391 1,504 1,633 1,745 

 Water and other public services .......................................................... 761 434 453 469 519 630 741 984 

 Household operations ............................................................................. 2,650 811 819 933 1,136 1,264 1,673 4,485 

 Personal services................................................................................. 1,266 397 3140 3178 3325 302 595 2,464 

 Other household expenses .................................................................. 1,384 714 679 756 812 961 1,078 2,021 

 Housekeeping supplies ........................................................................... 792 505 557 551 561 675 772 1,009 

 Laundry and cleaning supplies ............................................................ 188 173 159 175 201 176 216 188 

 Other household products.................................................................... 499 290 362 299 283 446 450 669 

 Postage and stationery ........................................................................ 104 43 36 78 77 54 106 151 

 Household furnishings and equipment.................................................... 3,074 1,893 1,551 1,678 1,638 1,958 2,517 4,514 

 Household textiles................................................................................ 113 46 70 80 48 64 137 154 

 Furniture............................................................................................... 893 782 402 481 332 552 645 1,334 

 Floor coverings..................................................................................... 40 315 310 315 18 20 29 66 

 Major appliances .................................................................................. 533 477 300 290 346 316 419 751 

 Small appliances and miscellaneous housewares .............................. 152 107 106 102 83 115 155 197 

 Miscellaneous household equipment................................................... 1,344 467 662 710 810 891 1,132 2,011 

 Apparel and services.................................................................................. 2,470 1,224 1,638 1,195 1,982 2,180 2,278 3,264 

 Men and boys.......................................................................................... 649 413 379 319 314 549 589 908 

 Men, 16 and over ................................................................................. 389 248 179 3186 181 362 297 564 

 Boys, 2 to 15 ........................................................................................ 261 165 200 134 133 187 293 343 

 Women and girls ..................................................................................... 851 414 591 411 680 834 815 1,092 

 Women, 16 and over............................................................................ 613 247 361 241 534 643 549 808 

 Girls, 2 to 15......................................................................................... 238 3167 230 171 146 191 266 284 

 Children under 2...................................................................................... 114 353 329 397 3293 3114 3100 112 

 Footwear.................................................................................................. 528 3172 461 220 561 498 552 639 

 Other apparel products and services ...................................................... 328 173 178 148 134 184 222 514 

 Transportation ............................................................................................ 14,782 5,822 6,133 7,831 9,766 10,815 14,429 20,580 

 Vehicle purchases (net outlay)................................................................ 6,538 31,758 31,872 2,056 4,172 4,017 6,538 9,751 

 Cars and trucks, new ........................................................................... 3,309 31,029 3448 3508 3914 31,435 2,281 5,833 

 Cars and trucks, used .......................................................................... 3,140 719 1,424 1,548 3,258 2,576 3,854 3,872 

 Other vehicles ...................................................................................... 89 310 ( 4 ) ( 4 ) ( 4 ) 36 3403 46 

 Gasoline, other fuels, and motor oil ........................................................ 3,192 1,944 2,059 2,342 2,719 2,861 3,256 3,826 

 Other vehicle expenses........................................................................... 4,225 1,823 1,963 2,862 2,567 3,567 4,061 5,650 

 Vehicle finance charges....................................................................... 387 121 142 180 223 339 411 526 

 Maintenance and repairs ..................................................................... 1,189 628 588 868 639 1,051 1,151 1,556 

 Vehicle rental, leases, licenses, and other charges ............................ 964 208 208 490 432 489 665 1,604 

 Vehicle insurance................................................................................. 1,684 865 1,026 1,323 1,272 1,687 1,834 1,964 

 Public and other transportation ............................................................... 828 297 238 572 309 370 574 1,352 

 Healthcare .................................................................................................. 5,235 1,670 1,398 2,135 3,040 3,859 5,292 7,564 

 Health insurance ..................................................................................... 3,358 999 935 1,331 2,020 2,615 3,220 4,869 

 Medical services...................................................................................... 1,318 500 174 407 647 785 1,567 1,923 

 Drugs ....................................................................................................... 407 142 203 280 264 352 380 555 

 Medical supplies...................................................................................... 151 329 86 118 109 107 125 216 

 Entertainment ............................................................................................. 4,315 1,464 1,413 1,636 1,867 2,140 3,632 6,930 

 Fees and admissions .............................................................................. 1,212 312 211 214 217 350 759 2,246 

 Audio and visual equipment and services .............................................. 1,062 536 602 865 817 812 998 1,379 

 Pets, toys, hobbies, and playground equipment..................................... 1,159 459 433 427 506 657 1,328 1,709 

See footnotes at end of table.
Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2021-2022 — Continued

Item

Total

35-44

years

Less

than

$15,000

$15,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

to

$99,999

$100,000

and

more

 Pets ...................................................................................................... 892 349 379 230 362 461 1,072 1,318 

 Toys, hobbies, and playground equipment.......................................... 266 3111 354 3197 3143 196 255 390 

 Other entertainment supplies, equipment, and services ........................ 882 156 167 130 326 321 547 1,596 

 Personal care products and services ......................................................... 926 433 488 565 583 697 901 1,268 

 Reading ...................................................................................................... 102 330 332 51 35 66 84 162 

 Education.................................................................................................... 1,164 305 446 638 658 464 748 1,931 

 Tobacco products and smoking supplies................................................... 419 538 424 427 524 485 446 355 

 Miscellaneous............................................................................................. 1,121 695 352 651 711 909 1,041 1,542 

 Cash contributions...................................................................................... 1,975 1,002 465 652 537 1,013 1,411 3,280 

 Personal insurance and pensions .............................................................. 11,680 502 1,584 2,980 3,854 5,610 8,458 20,435 

 Life and other personal insurance........................................................... 518 3110 134 193 146 269 437 849 

 Pensions and Social Security ................................................................. 11,162 392 1,450 2,788 3,708 5,340 8,021 19,586 

Sources of income and personal taxes:

 Income before taxes ................................................................................... $113,151 $7,174 $23,370 $35,260 $44,481 $59,286 $83,444 $192,217 

 Wages and salaries................................................................................. 101,550 2,576 16,203 27,624 38,346 53,530 75,069 174,520 

 Self-employment income......................................................................... 7,396 166 942 2,511 2,081 2,760 5,472 13,123 

 Social Security, private and government retirement............................... 1,025 874 2,520 1,326 3688 837 842 919 

 Interest, dividends, rental income, and other property income............... 1,140 3155 351 391 234 189 573 2,209 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP)................................................. 823 2,380 2,532 1,421 1,369 888 263 342 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support................................................... 1,026 598 866 1,772 1,475 974 1,007 960 

 Other income........................................................................................... 191 3424 3256 3215 3288 3108 218 144 

 Personal taxes (contains some imputed values) ....................................... 12,461 -4,883 -7,140 -6,086 -4,241 -1,623 2,846 31,306 

 Federal income taxes.............................................................................. 10,378 -3,456 -5,379 -4,278 -3,254 -687 2,341 25,548 

 Stimulus payment (new UCC Q20202)#................................................. -1,677 -1,303 -1,753 -2,016 -1,579 -2,194 -1,723 -1,509 

 State and local income taxes .................................................................. 3,673 -134 -34 190 553 1,217 2,155 7,122 

 Other taxes.............................................................................................. 87 310 325 318 340 341 72 146 

 Income after taxes ...................................................................................... 100,690 12,056 30,510 41,346 48,722 60,909 80,598 160,911 

Addenda:

 Net change in total assets and liabilities .................................................... $2,674 $2,826 $5,858 -$3,202 -$9,525 $2,020 -$12,408 $10,793 

 Net change in total assets....................................................................... 38,965 9,112 11,076 1,871 20,501 9,387 15,855 73,712 

 Net change in total liabilities.................................................................... 36,292 6,286 5,218 5,073 30,026 7,367 28,263 62,920 

 Other financial information:

 Other money receipts.............................................................................. 1,264 31,119 3429 31,743 380 3382 3211 2,204 

 Mortgage principal paid on owned property............................................ -3,492 -839 -692 -690 -1,320 -1,611 -2,628 -5,964 

 Estimated market value of owned home................................................. 265,090 77,938 77,331 64,996 93,513 121,795 222,169 436,969 

 Estimated monthly rental value of owned home..................................... 1,337 440 448 412 586 747 1,192 2,091 

1

 Data are rounded to the nearest thousands.

2

 Value is too small to display.

3

 Data are likely to have large sampling errors.

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, 2023