Table 3244. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020

Item 

Total 

55-64

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................................................... 24,834 3,166 3,158 1,949 1,759 2,979 3,639 8,184 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $97,209 $7,001 $22,323 $34,410 $44,930 $59,181 $83,907 $206,958 

 Income after taxes ...................................................................................... 80,491 7,798 22,998 34,331 43,096 55,591 75,073 161,304 

 Age of reference person ............................................................................. 59.6 59.8 60.2 59.9 60.0 59.7 59.4 59.2 

 Average number in consumer unit: 

 People ..................................................................................................... 2.2 1.5 1.8 1.9 2.0 2.1 2.3 2.7 

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

 Adults 65 and older ................................................................................. .1 .1 .1 .1 .2 .2 .1 .1 

 Earners .................................................................................................... 1.4 .3 .7 1.0 1.2 1.4 1.7 2.1 

 Vehicles ................................................................................................... 2.2 1.1 1.4 1.7 1.9 2.1 2.5 3.0 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 48 43 41 47 43 47 46 55 

 Women .................................................................................................... 52 57 59 53 57 53 54 45 

 Housing tenure: 

 Homeowner ............................................................................................. 74 48 55 60 67 77 84 92 

 With mortgage ...................................................................................... 42 16 21 25 36 40 52 61 

 Without mortgage................................................................................. 33 32 34 35 32 37 32 31 

 Renter ...................................................................................................... 26 52 45 40 33 23 16 8 

 Race of reference person: 

 Black or African-American ...................................................................... 13 21 16 15 15 12 11 8 

 White, Asian, and all other races ............................................................ 87 79 84 85 85 88 89 92 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 11 13 15 14 14 13 10 8 

 Not Hispanic or Latino ............................................................................. 89 87 85 86 86 87 90 92 

 Education of reference person: 

 Elementary (1-8) ..................................................................................... 3 6 5 2 5 2 2 1 

 High school (9-12) ................................................................................... 30 48 41 42 37 31 27 15 

 College .................................................................................................... 67 45 54 55 58 66 70 84 

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

 At least one vehicle owned or leased ........................................................ 92 73 84 93 92 95 96 98 

Average annual expenditures........................................................................ $67,192 $27,631 $34,329 $39,695 $44,208 $52,207 $65,085 $113,246 

 Food ........................................................................................................... 7,929 4,166 5,300 5,882 5,634 6,771 7,496 12,077 

 Food at home .......................................................................................... 5,085 3,076 3,918 4,128 3,904 4,547 4,731 7,184 

 Cereals and bakery products ............................................................... 632 431 522 482 486 590 570 867 

 Cereals and cereal products ............................................................ 201 130 134 133 131 182 187 300 

 Bakery products ................................................................................ 432 301 387 349 354 408 383 567 

 Meats, poultry, fish, and eggs .............................................................. 1,124 665 868 990 884 1,047 1,045 1,553 

 Beef ................................................................................................... 306 176 248 229 245 264 290 434 

 Pork ................................................................................................... 231 151 187 205 187 244 206 303 

 Other meats ...................................................................................... 146 80 103 191 128 156 154 175 

 Poultry ............................................................................................... 200 120 129 194 149 186 177 289 

 Fish and seafood .............................................................................. 177 90 148 122 126 145 155 269 

 Eggs .................................................................................................. 63 48 53 48 49 53 64 82 

 Dairy products ...................................................................................... 478 309 344 391 339 415 464 682 

 Fresh milk and cream ....................................................................... 146 119 127 109 122 120 145 189 

 Other dairy products ......................................................................... 333 190 217 281 217 295 319 493 

 Fruits and vegetables .......................................................................... 965 555 689 768 741 925 895 1,379 

 Fresh fruits ........................................................................................ 349 179 234 282 255 356 323 508 

 Fresh vegetables .............................................................................. 322 199 211 239 257 291 292 473 

 Processed fruits ................................................................................ 119 74 110 100 101 114 118 150 

 Processed vegetables ...................................................................... 175 103 135 147 128 164 161 248 

 Other food at home .............................................................................. 1,885 1,116 1,495 1,499 1,453 1,569 1,757 2,703 

 Sugar and other sweets .................................................................... 171 106 141 150 115 148 173 235 

 Fats and oils ..................................................................................... 134 80 128 102 98 140 125 175 

 Miscellaneous foods ......................................................................... 1,000 583 776 782 784 766 934 1,471 

 Nonalcoholic beverages ................................................................... 507 328 418 445 397 459 454 692 

See footnotes at end of table. 
Table 3244. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

55-64

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 

 Food prepared by consumer unit on out-of-town trips ..................... 72 320 32 20 59 56 71 129 

 Food away from home ............................................................................ 2,845 1,090 1,382 1,754 1,730 2,225 2,765 4,893 

 Alcoholic beverages ................................................................................... 638 153 322 370 438 297 441 1,273 

 Housing ...................................................................................................... 21,287 11,238 13,678 14,350 15,611 17,916 20,325 32,670 

 Shelter ..................................................................................................... 12,229 6,615 7,896 8,178 8,905 9,750 11,269 19,082 

 Owned dwellings .................................................................................. 8,098 2,621 3,730 3,608 4,940 6,044 7,798 14,532 

 Mortgage interest and charges ......................................................... 2,855 791 1,075 1,126 1,753 1,974 2,884 5,297 

 Property taxes ................................................................................... 2,805 984 1,213 1,354 1,511 2,014 2,692 5,086 

 Maintenance, repairs, insurance, other expenses ........................... 2,438 847 1,442 1,128 1,676 2,056 2,222 4,149 

 Rented dwellings.................................................................................. 2,910 3,568 3,835 4,377 3,611 3,097 2,580 1,877 

 Other lodging ....................................................................................... 1,221 425 331 193 353 610 891 2,673 

 Utilities, fuels, and public services .......................................................... 4,455 2,817 3,180 3,539 3,777 4,166 4,630 5,970 

 Natural gas ........................................................................................... 452 236 307 366 351 402 463 648 

 Electricity .............................................................................................. 1,614 1,233 1,318 1,414 1,482 1,553 1,622 1,970 

 Fuel oil and other fuels ........................................................................ 132 78 98 80 95 112 169 176 

 Telephone services .............................................................................. 1,533 819 941 1,105 1,295 1,430 1,615 2,193 

 Residential phone service, VOIP, and phone cards ........................ 223 152 168 186 206 198 239 286 

 Cellular phone service ...................................................................... 1,310 667 773 918 1,089 1,232 1,376 1,907 

 Water and other public services .......................................................... 723 451 515 574 553 669 762 983 

 Household operations ............................................................................. 1,247 525 710 847 794 1,031 1,136 2,054 

 Personal services................................................................................. 62 35 358 336 321 325 334 125 

 Other household expenses .................................................................. 1,185 520 652 811 773 1,007 1,102 1,928 

 Housekeeping supplies ........................................................................... 954 467 720 678 726 711 1,205 1,342 

 Laundry and cleaning supplies ............................................................ 194 99 122 229 135 187 174 274 

 Other household products ................................................................... 601 285 409 349 521 442 873 825 

 Postage and stationery ........................................................................ 159 83 189 100 71 81 158 242 

 Household furnishings and equipment ................................................... 2,402 813 1,171 1,108 1,409 2,257 2,085 4,223 

 Household textiles................................................................................ 166 93 80 65 79 137 98 314 

 Furniture ............................................................................................... 553 184 321 251 279 369 585 970 

 Floor coverings .................................................................................... 26 7 11 34 314 19 33 46 

 Major appliances .................................................................................. 364 139 222 176 296 196 297 658 

 Small appliances, miscellaneous housewares .................................... 141 52 79 70 125 92 139 239 

 Miscellaneous household equipment .................................................. 1,152 340 459 543 616 1,444 933 1,996 

 Apparel and services .................................................................................. 1,515 938 846 901 980 1,098 1,209 2,567 

 Men and boys .......................................................................................... 335 164 151 198 161 317 300 568 

 Men, 16 and over ................................................................................. 287 119 135 174 147 278 241 495 

 Boys, 2 to 15 ........................................................................................ 48 45 17 24 14 40 60 73 

 Women and girls ..................................................................................... 564 346 311 354 370 318 522 958 

 Women, 16 and over ........................................................................... 511 235 297 316 359 264 457 902 

 Girls, 2 to 15 ......................................................................................... 53 111 313 38 311 54 65 56 

 Children under 2 ...................................................................................... 49 310 398 311 340 364 342 52 

 Footwear ................................................................................................. 339 311 185 219 248 255 186 561 

 Other apparel products and services ...................................................... 228 107 101 117 161 143 158 428 

 Transportation ............................................................................................ 10,746 5,110 5,605 6,716 8,170 9,614 10,573 16,919 

 Vehicle purchases (net outlay) ............................................................... 4,539 2,322 2,035 2,376 3,107 4,202 3,918 7,585 

 Cars and trucks, new ........................................................................... 2,337 31,201 3615 3694 31,234 1,772 2,263 4,308 

 Cars and trucks, used .......................................................................... 2,162 1,110 1,367 1,681 1,842 2,345 1,628 3,229 

 Other vehicles ...................................................................................... 41 312 353 ( 4 ) 331 386 327 348 

 Gasoline, other fuels, and motor oil ........................................................ 1,935 1,042 1,160 1,533 1,683 1,872 2,151 2,656 

 Other vehicle expenses .......................................................................... 3,685 1,583 2,161 2,651 2,880 3,152 3,978 5,574 

 Vehicle finance charges ....................................................................... 253 69 119 185 193 215 277 408 

 Maintenance and repairs ..................................................................... 1,009 399 608 825 783 835 1,167 1,489 

 Vehicle rental, leases, licenses, and other charges ............................ 751 327 334 347 418 537 804 1,299 

 Vehicle insurance................................................................................. 1,672 788 1,100 1,294 1,486 1,565 1,730 2,379 

 Public and other transportation ............................................................... 587 163 249 157 500 388 526 1,103 

 Healthcare .................................................................................................. 5,820 2,383 3,263 3,815 4,403 5,149 6,369 8,924 

 Health insurance ..................................................................................... 3,881 1,538 2,098 2,536 3,081 3,501 4,177 5,974 

 Medical services ...................................................................................... 1,176 438 678 692 813 889 1,386 1,857 

 Drugs ....................................................................................................... 577 322 398 418 406 593 626 797 

 Medical supplies ...................................................................................... 186 84 89 169 103 166 180 296 

 Entertainment ............................................................................................. 3,830 1,119 1,586 1,945 2,400 2,283 3,192 7,372 

 Fees and admissions .............................................................................. 829 106 113 78 215 238 407 2,114 

 Audio and visual equipment and services .............................................. 1,130 689 713 783 920 1,000 1,167 1,624 

 Pets, toys, hobbies, and playground equipment..................................... 1,055 243 668 901 615 863 897 1,797 

 Pets ...................................................................................................... 942 214 608 866 491 748 800 1,608 

See footnotes at end of table. 
Table 3244. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

55-64

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 

 Toys, hobbies, and playground equipment ......................................... 113 329 360 335 3124 115 96 189 

 Other entertainment supplies, equipment, and services ........................ 815 80 92 184 650 181 722 1,837 

 Personal care products and services ......................................................... 730 289 295 509 502 623 684 1,233 

 Reading ...................................................................................................... 99 50 59 99 49 66 80 166 

 Education.................................................................................................... 1,518 116 181 213 239 367 988 3,817 

 Tobacco products and smoking supplies ................................................... 392 438 439 602 386 426 441 274 

 Miscellaneous ............................................................................................. 1,081 368 655 863 720 931 1,108 1,694 

 Cash contributions...................................................................................... 2,771 603 709 879 1,007 1,363 3,784 5,297 

 Personal insurance and pensions .............................................................. 8,837 661 1,392 2,550 3,669 5,303 8,394 18,964 

 Life and other personal insurance .......................................................... 705 239 318 300 402 463 630 1,317 

 Pensions and Social Security ................................................................. 8,132 422 1,073 2,250 3,267 4,840 7,763 17,647 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $97,209 $7,001 $22,323 $34,410 $44,930 $59,181 $83,907 $206,958 

 Wages and salaries................................................................................. 77,001 1,626 9,264 22,925 32,236 46,343 69,990 169,079 

 Self-employment income ........................................................................ 8,823 79 1,105 1,421 2,007 2,741 4,737 22,444 

 Social Security, private and government retirement ............................... 7,199 3,128 9,654 8,171 8,129 8,210 6,886 7,166 

 Interest, dividends, rental income, other property income ...................... 2,546 108 440 508 824 757 897 6,541 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 551 1,527 1,190 720 431 215 306 143 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 830 185 510 544 1,135 834 834 1,203 

 Other income ........................................................................................... 259 348 160 3121 3168 80 257 382 

 Personal taxes (contains some imputed values) ....................................... 16,718 -798 -675 78 1,834 3,590 8,834 45,654 

 Federal income taxes .............................................................................. 14,212 -35 119 708 2,069 3,488 7,371 37,935 

 Stimulus payment (new UCC Q20202)# ................................................ -946 -733 -878 -1,048 -1,039 -1,159 -1,066 -880 

 State and local income taxes .................................................................. 3,346 -60 38 383 756 1,207 2,438 8,385 

 Other taxes .............................................................................................. 106 331 346 336 348 353 90 213 

 Income after taxes ...................................................................................... 80,491 7,798 22,998 34,331 43,096 55,591 75,073 161,304 

Addenda: 

 Net change in total assets and liabilities .................................................... $17,255 $5,485 $651 $67 $286 -$8,010 -$4,971 $55,037 

 Net change in total assets ....................................................................... 28,920 8,612 192 3,700 8,248 -1,372 11,074 77,275 

 Net change in total liabilities ................................................................... 11,665 3,127 -459 3,633 7,962 6,638 16,046 22,238 

 Other financial information: 

 Other money receipts .............................................................................. 5,517 620 584 3524 31,635 3729 2,883 14,252 

 Mortgage principal paid on owned property ........................................... -2,951 -744 -1,030 -1,085 -1,526 -1,628 -2,957 -5,776 

 Estimated market value of owned home................................................. 260,865 107,834 121,970 126,239 154,394 197,400 243,173 459,584 

 Estimated monthly rental value of owned home ..................................... 1,349 621 729 775 924 1,152 1,385 2,155 

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, 2021