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

Expenditure Surveys, 2020-2021

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................................................... 24,928 3,031 3,147 2,054 1,706 2,867 3,613 8,510 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $96,815 $6,796 $22,428 $34,738 $44,953 $59,484 $84,319 $199,655 

 Income after taxes ...................................................................................... 82,337 8,654 24,417 35,277 43,881 57,176 77,610 159,557 

 Age of reference person ............................................................................. 59.7 59.7 60.2 60.1 59.7 59.7 59.5 59.3 

 Average number in consumer unit: 

 People ..................................................................................................... 2.2 1.5 1.8 1.8 2.0 2.1 2.4 2.7 

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

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

 Earners .................................................................................................... 1.4 .3 .6 .9 1.2 1.4 1.7 2.1 

 Vehicles ................................................................................................... 2.1 1.2 1.5 1.7 1.8 2.0 2.4 2.9 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 47 43 41 45 44 44 47 53 

 Women .................................................................................................... 53 57 59 55 56 56 53 47 

 Housing tenure: 

 Homeowner ............................................................................................. 75 48 56 60 68 73 82 93 

 With mortgage ...................................................................................... 42 15 21 28 32 39 50 61 

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

 Renter ...................................................................................................... 25 52 44 40 32 27 18 7 

 Race of reference person: 

 Black or African-American ...................................................................... 14 23 15 18 17 14 13 8 

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

 African-American ................................................................................. 86 77 85 82 83 86 87 92 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 12 14 17 13 17 14 14 8 

 Not Hispanic or Latino ............................................................................. 88 86 83 87 83 86 86 92 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 30 51 40 39 36 32 27 15 

 College .................................................................................................... 67 42 53 58 60 66 70 84 

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

 At least one vehicle owned or leased ........................................................ 92 74 86 93 92 96 97 98 

Average annual expenditures........................................................................ $67,694 $28,145 $33,780 $42,469 $45,740 $51,691 $65,221 $111,589 

 Food ........................................................................................................... 7,834 4,196 4,669 6,295 5,454 6,423 7,150 12,080 

 Food at home .......................................................................................... 5,281 3,354 3,551 4,546 3,986 4,508 4,918 7,558 

 Cereals and bakery products ............................................................... 640 416 436 555 527 494 594 921 

 Cereals and cereal products ............................................................ 201 127 136 170 148 160 183 295 

 Bakery products ................................................................................ 439 288 300 386 378 333 411 626 

 Meats, poultry, fish, and eggs .............................................................. 1,171 737 780 1,083 928 1,090 1,066 1,632 

 Beef ................................................................................................... 314 210 212 273 206 271 287 453 

 Pork ................................................................................................... 217 156 133 234 168 251 203 270 

 Other meats ...................................................................................... 161 87 115 166 160 133 155 217 

 Poultry ............................................................................................... 219 125 142 216 183 216 186 308 

 Fish and seafood .............................................................................. 195 109 126 140 157 158 173 296 

 Eggs .................................................................................................. 66 49 51 54 53 61 62 88 

 Dairy products ...................................................................................... 492 317 338 425 331 412 464 708 

 Fresh milk and cream ....................................................................... 154 116 121 152 118 129 136 206 

 Other dairy products ......................................................................... 338 202 217 273 212 284 329 502 

 Fruits and vegetables .......................................................................... 1,032 635 678 920 719 946 955 1,476 

 Fresh fruits ........................................................................................ 372 224 231 331 255 362 322 541 

 Fresh vegetables .............................................................................. 335 208 208 305 196 308 324 482 

 Processed fruits ................................................................................ 129 89 89 110 120 117 126 170 

 Processed vegetables ...................................................................... 197 114 149 175 148 159 182 283 

 Other food at home .............................................................................. 1,946 1,249 1,319 1,563 1,482 1,566 1,839 2,820 

 Sugar and other sweets .................................................................... 171 122 129 143 117 118 137 259 

 Fats and oils ..................................................................................... 143 106 94 127 96 150 135 191 

 Miscellaneous foods ......................................................................... 1,044 636 665 794 830 817 1,023 1,540 

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, 2020-2021 — 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 

 Nonalcoholic beverages ................................................................... 518 359 391 475 375 438 484 712 

 Food prepared by consumer unit on out of town trips ...................... 69 26 41 23 63 44 60 119 

 Food away from home ............................................................................ 2,552 842 1,118 1,749 1,468 1,914 2,232 4,522 

 Alcoholic beverages ................................................................................... 577 149 250 367 356 291 444 1,121 

 Housing ...................................................................................................... 22,174 11,872 13,746 15,582 16,545 18,417 21,670 33,214 

 Shelter ..................................................................................................... 12,769 6,854 7,936 8,953 9,641 10,735 11,949 19,245 

 Owned dwellings .................................................................................. 8,599 2,927 3,742 4,244 5,569 6,503 8,371 14,878 

 Mortgage interest and charges ......................................................... 2,945 850 985 1,383 1,814 2,057 2,979 5,306 

 Property taxes ................................................................................... 3,043 1,142 1,288 1,654 1,696 2,102 2,896 5,355 

 Maintenance, repairs, insurance, and other expenses .................... 2,610 934 1,469 1,207 2,058 2,344 2,496 4,217 

 Rented dwellings.................................................................................. 2,955 3,645 3,861 4,550 3,823 3,713 2,783 1,631 

 Other lodging ....................................................................................... 1,215 282 334 159 249 519 794 2,735 

 Utilities, fuels, and public services .......................................................... 4,590 3,000 3,289 3,590 3,770 4,188 4,740 6,116 

 Natural gas ........................................................................................... 480 272 343 347 381 408 502 673 

 Electricity .............................................................................................. 1,657 1,350 1,357 1,443 1,471 1,556 1,638 2,009 

 Fuel oil and other fuels ........................................................................ 146 73 67 93 473 93 151 244 

 Telephone services .............................................................................. 1,550 872 990 1,120 1,293 1,435 1,659 2,146 

 Residential phone service, VOIP, and phone cards ........................ 211 130 146 170 205 163 236 280 

 Cellular phone service ...................................................................... 1,339 742 844 950 1,088 1,273 1,423 1,866 

 Water and other public services .......................................................... 757 433 532 588 552 695 789 1,044 

 Household operations ............................................................................. 1,330 658 714 959 929 1,037 1,309 2,075 

 Personal services................................................................................. 45 ( 3 ) 455 447 437 435 420 472 

 Other household expenses .................................................................. 1,285 658 659 912 892 1,001 1,289 2,003 

 Housekeeping supplies ........................................................................... 994 465 617 623 634 779 1,158 1,512 

 Laundry and cleaning supplies ............................................................ 190 129 127 229 164 242 149 232 

 Other household products ................................................................... 660 254 369 306 403 432 908 1,041 

 Postage and stationery ........................................................................ 144 82 121 89 67 105 101 239 

 Household furnishings and equipment ................................................... 2,490 895 1,190 1,456 1,571 1,679 2,516 4,266 

 Household textiles................................................................................ 142 49 70 69 98 107 69 273 

 Furniture ............................................................................................... 600 283 278 359 327 359 749 964 

 Floor coverings .................................................................................... 31 16 16 47 46 25 30 54 

 Major appliances .................................................................................. 486 169 240 266 311 319 530 817 

 Small appliances and miscellaneous housewares .............................. 151 51 92 79 149 122 202 217 

 Miscellaneous household equipment .................................................. 1,081 326 494 675 680 747 935 1,941 

 Apparel and services .................................................................................. 1,463 725 819 993 1,107 1,149 1,278 2,357 

 Men and boys .......................................................................................... 280 160 130 234 95 354 297 396 

 Men, 16 and over ................................................................................. 241 122 91 199 67 329 244 355 

 Boys, 2 to 15 ........................................................................................ 39 438 439 435 428 425 53 40 

 Women and girls ..................................................................................... 550 348 335 353 503 404 534 825 

 Women, 16 and over ........................................................................... 499 307 333 317 488 367 444 752 

 Girls, 2 to 15 ......................................................................................... 51 442 43 436 414 438 490 73 

 Children under 2 ...................................................................................... 43 410 490 430 456 457 438 436 

 Footwear ................................................................................................. 300 105 148 277 211 211 254 509 

 Other apparel products and services ...................................................... 290 102 116 99 243 123 155 591 

 Transportation ............................................................................................ 10,609 5,082 6,099 7,739 9,179 9,357 10,213 15,818 

 Vehicle purchases (net outlay) ............................................................... 4,593 2,202 2,410 3,338 4,292 3,773 3,869 7,198 

 Cars and trucks, new ........................................................................... 2,406 4606 4735 4869 42,005 2,148 2,401 4,205 

 Cars and trucks, used .......................................................................... 2,109 1,469 1,451 2,469 2,256 1,567 1,467 2,920 

 Other vehicles ...................................................................................... 77 4127 4224 ( 3 ) 432 457 ( 3 ) 473 

 Gasoline, other fuels, and motor oil ........................................................ 1,949 1,096 1,305 1,584 1,766 1,862 2,057 2,599 

 Other vehicle expenses .......................................................................... 3,712 1,680 2,227 2,682 2,954 3,386 3,994 5,378 

 Vehicle finance charges ....................................................................... 275 84 155 219 193 208 263 444 

 Maintenance and repairs ..................................................................... 1,032 476 628 765 698 912 1,155 1,501 

 Vehicle rental, leases, licenses, and other charges ............................ 722 339 281 305 501 658 771 1,167 

 Vehicle insurance................................................................................. 1,683 781 1,162 1,393 1,562 1,608 1,805 2,266 

 Public and other transportation ............................................................... 356 104 157 136 167 336 294 643 

 Healthcare .................................................................................................. 5,887 2,440 3,380 3,940 4,518 5,352 6,299 8,797 

 Health insurance ..................................................................................... 4,030 1,688 2,269 2,670 3,257 3,755 4,205 6,017 

 Medical services ...................................................................................... 1,127 406 593 581 740 884 1,366 1,770 

 Drugs ....................................................................................................... 566 270 435 550 404 566 559 764 

 Medical supplies ...................................................................................... 165 75 83 140 117 148 170 247 

 Entertainment ............................................................................................. 3,612 1,341 1,411 1,938 1,876 1,958 3,376 6,684 

 Fees and admissions .............................................................................. 436 97 111 89 114 163 277 988 

 Audio and visual equipment and services .............................................. 1,114 683 753 838 906 958 1,243 1,508 

 Pets, toys, hobbies, and playground equipment..................................... 1,016 335 392 847 619 613 1,198 1,700 

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, 2020-2021 — 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 

 Pets ...................................................................................................... 889 286 336 777 465 495 1,092 1,500 

 Toys, hobbies, and playground equipment ......................................... 127 449 457 470 4154 118 106 200 

 Other entertainment supplies, equipment, and services ........................ 1,046 226 154 163 237 224 658 2,488 

 Personal care products and services ......................................................... 717 270 304 512 462 517 680 1,223 

 Reading ...................................................................................................... 108 38 52 98 436 55 85 203 

 Education.................................................................................................... 1,357 482 81 192 222 412 671 3,403 

 Tobacco products and smoking supplies ................................................... 427 555 485 634 419 444 447 298 

 Miscellaneous ............................................................................................. 979 417 586 669 677 999 1,086 1,411 

 Cash contributions...................................................................................... 3,012 518 624 968 1,167 1,076 3,569 6,063 

 Personal insurance and pensions .............................................................. 8,938 460 1,276 2,544 3,720 5,241 8,253 18,918 

 Life and other personal insurance .......................................................... 614 265 212 320 361 435 585 1,083 

 Pensions and Social Security ................................................................. 8,324 195 1,064 2,224 3,359 4,806 7,668 17,835 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $96,815 $6,796 $22,428 $34,738 $44,953 $59,484 $84,319 $199,655 

 Wages and salaries................................................................................. 75,435 1,725 9,307 21,946 32,606 46,080 68,165 160,621 

 Self-employment income ........................................................................ 9,102 28 888 1,848 2,486 3,287 4,603 22,317 

 Social Security, private and government retirement ............................... 6,989 2,562 9,135 8,389 7,011 7,849 8,043 6,693 

 Interest, dividends, rental income, and other property income .............. 3,180 249 561 536 669 518 1,587 7,909 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 653 1,589 1,525 635 568 543 417 156 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,201 389 873 1,232 1,502 1,075 1,342 1,525 

 Other income ........................................................................................... 255 253 139 4151 4112 132 161 433 

 Personal taxes (contains some imputed values) ....................................... 14,478 -1,858 -1,988 -539 1,071 2,308 6,709 40,098 

 Federal income taxes .............................................................................. 13,149 -217 -85 1,009 2,228 3,330 6,781 33,936 

 Stimulus payment (new UCC Q20202)# ................................................ -2,024 -1,621 -1,947 -2,138 -2,010 -2,307 -2,506 -1,871 

 State and local income taxes .................................................................. 3,243 -50 8 451 817 1,220 2,333 7,842 

 Other taxes .............................................................................................. 110 431 435 4140 436 65 101 191 

 Income after taxes ...................................................................................... 82,337 8,654 24,417 35,277 43,881 57,176 77,610 159,557 

Addenda: 

 Net change in total assets and liabilities .................................................... $36,642 $13,483 $2,930 -$395 $5,020 -$2,396 -$1,520 $101,991 

 Net change in total assets ....................................................................... 53,489 17,258 6,295 5,948 14,558 2,773 20,209 134,344 

 Net change in total liabilities ................................................................... 16,847 3,775 3,365 6,344 9,538 5,169 21,730 32,352 

 Other financial information: 

 Other money receipts .............................................................................. 5,296 4543 4219 41,369 42,776 4604 42,427 13,120 

 Mortgage principal paid on owned property ........................................... -3,071 -676 -879 -1,195 -1,536 -1,868 -3,004 -5,930 

 Estimated market value of owned home................................................. 288,356 129,651 125,854 139,129 173,656 195,132 281,743 498,221 

 Estimated monthly rental value of owned home ..................................... 1,449 682 775 830 1,015 1,165 1,449 2,303 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 No data reported. 

4

 Data are likely to have large sampling errors. 

# 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, 2022