Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020

Item 

Total 

four 

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.................................................... 16,819 522 3,311 5,813 4,174 2,071 928 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $120,319 $64,647 $85,772 $126,626 $145,944 $139,690 $76,909 

 Income after taxes ...................................................................................... 106,108 63,186 80,742 110,736 125,023 120,670 74,199 

 Age of reference person ............................................................................. 43.8 22.5 30.8 39.6 49.2 59.0 71.3 

 Average number in consumer unit: 

 People ...................................................................................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 

 Children under 18 .................................................................................... 1.5 1.3 1.9 1.8 1.3 .8 .6 

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

.1 ( 3

 ) ( 3 ) ( 3 ) .1 1.4 

 Earners .................................................................................................... 2.0 2.0 1.7 1.9 2.2 2.5 1.9 

 Vehicles ................................................................................................... 2.4 1.9 2.1 2.3 2.7 2.8 2.5 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 50 47 43 48 55 54 50 

 Women ..................................................................................................... 50 53 57 52 45 46 50 

 Housing tenure: 

 Homeowner.............................................................................................. 72 27 56 74 82 81 83 

 With mortgage ...................................................................................... 57 7 48 64 66 58 42 

 Without mortgage ................................................................................. 15 19 8 11 16 23 40 

 Renter ...................................................................................................... 28 73 44 26 18 19 17 

 Race of reference person: 

 Black or African-American ....................................................................... 14 20 16 14 11 17 21 

 White, Asian, and all other races ............................................................. 86 80 84 86 89 83 79 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 20 38 23 19 18 17 17 

 Not Hispanic or Latino ............................................................................. 80 62 77 81 82 83 83 

 Education of reference person: 

 Elementary (1-8) ...................................................................................... 3 ( 4 ) 3 3 2 4 5 

 High school (9-12) ................................................................................... 26 47 30 23 21 26 48 

 College ..................................................................................................... 71 53 66 74 78 70 46 

 Never attended and other ........................................................................ ( 3 ) ( 4 ) ( 3 ) 1 ( 3 ) ( 3 ) 2 

 At least one vehicle owned or leased ......................................................... 95 90 95 96 96 95 92 

Average annual expenditures ........................................................................ $84,595 $52,769 $65,744 $88,387 $98,196 $94,518 $65,193 

 Food ............................................................................................................ 11,033 7,042 8,372 11,236 13,075 12,315 10,468 

 Food at home ........................................................................................... 6,911 4,245 5,265 7,107 7,998 7,900 6,796 

 Cereals and bakery products ............................................................... 922 583 644 975 1,045 1,098 978 

 Cereals and cereal products ............................................................. 304 232 219 325 332 373 265 

 Bakery products ................................................................................ 619 351 425 651 713 726 713 

 Meats, poultry, fish, and eggs .............................................................. 1,473 884 1,231 1,427 1,688 1,746 1,642 

 Beef ................................................................................................... 393 195 319 398 456 409 489 

 Pork ................................................................................................... 295 190 255 262 313 473 310 

 Other meats ....................................................................................... 195 117 144 212 223 209 155 

 Poultry ............................................................................................... 274 180 263 246 318 315 292 

 Fish and seafood ............................................................................... 229 140 181 220 277 236 307 

 Eggs .................................................................................................. 88 61 68 89 100 105 90 

 Dairy products ...................................................................................... 685 494 514 712 795 764 601 

 Fresh milk and cream ........................................................................ 213 154 167 222 240 234 190 

 Other dairy products .......................................................................... 472 340 347 489 554 530 411 

 Fruits and vegetables ........................................................................... 1,362 959 1,071 1,383 1,565 1,569 1,238 

 Fresh fruits......................................................................................... 513 306 425 506 618 591 353 

 Fresh vegetables ............................................................................... 439 329 340 444 492 521 460 

 Processed fruits ................................................................................. 174 141 137 183 191 185 182 

 Processed vegetables ....................................................................... 236 182 168 250 264 272 243 

 Other food at home ............................................................................... 2,469 1,325 1,806 2,610 2,905 2,722 2,336 

 Sugar and other sweets .................................................................... 233 108 152 256 266 275 244 

 Fats and oils ...................................................................................... 169 143 127 162 200 210 171 

 Miscellaneous foods .......................................................................... 1,373 701 1,054 1,459 1,644 1,344 1,269 

 Nonalcoholic beverages .................................................................... 629 358 427 659 710 831 626 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

four 

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 ...................... 65 215 46 74 85 61 226 

 Food away from home ............................................................................. 4,122 2,797 3,107 4,129 5,078 4,416 3,672 

 Alcoholic beverages .................................................................................... 572 2110 274 594 843 666 400 

 Housing ....................................................................................................... 27,226 17,740 23,682 29,235 29,983 27,694 19,553 

 Shelter ...................................................................................................... 15,295 9,711 13,277 16,281 17,314 15,554 9,805 

 Owned dwellings .................................................................................. 10,356 1,411 7,092 11,320 13,046 11,373 6,616 

 Mortgage interest and charges ......................................................... 5,090 2503 4,078 5,805 6,198 4,810 2,440 

 Property taxes ................................................................................... 3,117 420 1,729 3,235 4,040 4,346 1,958 

 Maintenance, repairs, insurance, other expenses ............................ 2,148 2489 1,285 2,280 2,808 2,217 2,218 

 Rented dwellings .................................................................................. 3,957 7,984 5,769 3,817 3,000 2,957 2,646 

 Other lodging ........................................................................................ 982 2316 415 1,144 1,268 1,225 542 

 Utilities, fuels, and public services ........................................................... 5,271 4,069 4,409 5,156 5,931 5,998 5,149 

 Natural gas ........................................................................................... 543 289 401 531 643 658 558 

 Electricity .............................................................................................. 1,815 1,346 1,620 1,765 1,963 2,072 1,855 

 Fuel oil and other fuels ......................................................................... 102 23 71 108 128 105 2104 

 Telephone services .............................................................................. 1,927 1,817 1,614 1,866 2,198 2,169 1,727 

 Residential phone service, VOIP, and phone cards ......................... 171 2138 85 123 236 264 292 

 Cellular phone service ....................................................................... 1,756 1,679 1,529 1,743 1,962 1,906 1,436 

 Water and other public services ........................................................... 885 614 704 887 1,000 993 906 

 Household operations .............................................................................. 2,722 1,568 3,209 3,620 2,129 1,572 1,224 

 Personal services ................................................................................. 1,404 2930 2,251 2,242 492 2237 291 

 Other household expenses .................................................................. 1,318 637 958 1,378 1,636 1,335 1,133 

 Housekeeping supplies............................................................................ 1,100 364 829 966 1,293 1,834 1,292 

 Laundry and cleaning supplies ............................................................. 238 152 194 223 259 313 351 

 Other household products .................................................................... 716 160 491 591 876 1,401 725 

 Postage and stationery ......................................................................... 147 253 144 152 158 119 216 

 Household furnishings and equipment .................................................... 2,837 2,028 1,958 3,211 3,316 2,736 2,083 

 Household textiles ................................................................................ 146 105 67 211 140 155 31 

 Furniture ............................................................................................... 720 320 541 925 713 569 660 

 Floor coverings ..................................................................................... 27 21 17 45 24 15 212 

 Major appliances .................................................................................. 484 333 378 543 483 573 375 

 Small appliances, miscellaneous housewares ..................................... 154 101 136 160 156 173 192 

 Miscellaneous household equipment ................................................... 1,307 1,168 819 1,328 1,799 1,252 812 

 Apparel and services .................................................................................. 2,716 1,714 2,421 2,949 2,968 2,660 1,901 

 Men and boys .......................................................................................... 645 344 495 764 790 402 424 

 Men, 16 and over .................................................................................. 393 2255 236 442 518 304 2308 

 Boys, 2 to 15 ......................................................................................... 252 89 260 322 272 98 116 

 Women and girls ...................................................................................... 1,022 671 660 1,151 1,261 981 681 

 Women, 16 and over ............................................................................ 763 576 377 861 969 840 508 

 Girls, 2 to 15 ......................................................................................... 259 96 283 290 292 142 2173 

 Children under 2 ...................................................................................... 166 276 362 163 272 276 2159 

 Footwear .................................................................................................. 643 2433 603 643 575 1,043 2471 

 Other apparel products and services ...................................................... 240 191 301 228 270 158 165 

 Transportation ............................................................................................. 15,049 10,923 12,253 16,289 15,972 15,794 13,956 

 Vehicle purchases (net outlay) ................................................................ 7,037 23,755 5,546 8,499 6,835 6,654 6,812 

 Cars and trucks, new ............................................................................ 2,835 2512 1,737 3,977 2,599 1,910 24,033 

 Cars and trucks, used........................................................................... 4,115 3,243 3,729 4,388 4,165 4,706 2,731 

 Other vehicles ....................................................................................... 86 ( 4 ) 279 2133 271 237 248 

 Gasoline, other fuels, and motor oil ......................................................... 2,661 2,562 2,435 2,611 2,861 2,868 2,480 

 Other vehicle expenses ........................................................................... 4,733 4,268 3,978 4,504 5,590 5,213 4,345 

 Vehicle finance charges ....................................................................... 408 284 447 423 440 327 290 

 Maintenance and repairs ...................................................................... 1,155 906 1,049 1,045 1,388 1,194 1,376 

 Vehicle rental, leases, licenses, and other charges ............................. 1,085 756 767 1,086 1,387 1,276 604 

 Vehicle insurance ................................................................................. 2,085 2,322 1,716 1,950 2,375 2,417 2,075 

 Public and other transportation................................................................ 617 339 294 676 686 1,059 320 

 Healthcare ................................................................................................... 6,065 2,623 4,404 5,909 7,127 7,549 6,818 

 Health insurance ...................................................................................... 4,204 1,817 3,218 4,217 4,650 5,104 4,980 

 Medical services ...................................................................................... 1,236 424 838 1,128 1,710 1,665 709 

 Drugs ....................................................................................................... 441 267 249 416 559 516 681 

 Medical supplies ...................................................................................... 184 2115 100 149 209 264 448 

 Entertainment .............................................................................................. 4,014 1,384 2,827 4,251 4,712 5,676 2,257 

 Fees and admissions ............................................................................... 1,107 262 451 1,377 1,727 678 381 

 Audio and visual equipment and services ............................................... 1,145 727 870 1,149 1,428 1,122 1,081 

 Pets, toys, hobbies, and playground equipment ..................................... 1,160 356 811 1,066 814 3,507 710 

 Pets ....................................................................................................... 863 223 588 650 560 3,226 594 

See footnotes at end of table. 
Table 3640. Consumer units of four people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

four 

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 .......................................... 297 2133 223 416 253 2281 2116 

 Other entertainment supplies, equipment, and services ......................... 602 239 695 659 743 370 286 

 Personal care products and services ......................................................... 956 610 660 1,063 1,166 872 720 

 Reading ....................................................................................................... 107 286 71 120 122 95 2133 

 Education .................................................................................................... 2,337 3,133 975 1,462 3,822 4,359 1,011 

 Tobacco products and smoking supplies ................................................... 352 2357 461 294 252 432 604 

 Miscellaneous ............................................................................................. 1,010 246 657 990 1,458 969 890 

 Cash contributions ...................................................................................... 1,848 1,069 884 1,754 2,658 2,566 1,080 

 Personal insurance and pensions............................................................... 11,312 5,731 7,803 12,243 14,037 12,870 5,401 

 Life and other personal insurance ........................................................... 674 2338 263 701 854 956 720 

 Pensions and Social Security .................................................................. 10,637 5,394 7,539 11,541 13,183 11,914 4,681 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $120,319 $64,647 $85,772 $126,626 $145,944 $139,690 $76,909 

 Wages and salaries ................................................................................. 106,483 54,300 78,478 114,086 131,395 118,562 49,134 

 Self-employment income ......................................................................... 8,638 28,148 4,208 9,664 10,048 12,390 23,583 

 Social Security, private and government retirement ............................... 2,646 2950 737 791 1,479 5,052 21,918 

 Interest, dividends, rental income, other property income ...................... 1,158 21 533 1,063 1,900 1,464 619 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 468 2626 696 403 227 656 645 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 666 2420 884 438 600 1,025 2958 

 Other income ........................................................................................... 259 2201 237 182 297 540 252 

 Personal taxes (contains some imputed values) ........................................ 14,211 1,462 5,030 15,891 20,921 19,020 2,710 

 Federal income taxes .............................................................................. 11,601 950 4,230 12,770 17,057 15,700 2,878 

 Stimulus payment (new UCC Q20202)# ................................................. -1,223 2

-429 -1,540 -1,048 -1,248 -1,300 2-1,360 

 State and local income taxes ................................................................... 3,780 939 2,286 4,113 5,052 4,572 1,142 

 Other taxes .............................................................................................. 53 22 254 55 60 248 250 

 Income after taxes ...................................................................................... 106,108 63,186 80,742 110,736 125,023 120,670 74,199 

Addenda: 

 Net change in total assets and liabilities ..................................................... -$3,597 $2,299 -$9,256 -$16,104 $18,021 -$6,044 -$150 

 Net change in total assets ....................................................................... 35,524 1,815 35,813 37,355 50,533 19,066 11,208 

 Net change in total liabilities .................................................................... 39,121 -484 45,069 53,459 32,512 25,110 11,358 

 Other financial information: 

 Other money receipts .............................................................................. 540 272 791 728 2214 2218 2908 

 Mortgage principal paid on owned property ............................................ -3,673 2

-290 -2,304 -3,901 -4,915 -4,259 -2,135 

 Estimated market value of owned home ................................................. 269,057 45,556 150,621 265,777 357,861 353,535 249,960 

 Estimated monthly rental value of owned home ..................................... 1,442 288 907 1,498 1,807 1,778 1,256 

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