Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2004-2005

Item

Total

two

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Number of consumer units (in thousands) ....... 37,549 2,078 4,976 4,494 7,602 8,498 9,902 5,752 4,149 

Consumer unit characteristics: 

Income before taxes ..................................... $60,230 $33,572 $62,506 $64,066 $72,079 $68,953 $46,356 $52,406 $37,969 

Income after taxes ........................................ 57,366 32,773 59,595 60,918 67,754 65,393 44,933 50,975 36,558 

Age of reference person ................................ 52.8 22.0 29.1 39.9 49.9 59.4 73.8 69.3 80.0 

Average number in consumer unit:

Persons ........................................................ 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 

Children under 18 ........................................ .1 .2 .1 .2 .1 1 ( ) 1 ( ) 1 ( ) 1 ( )

Persons 65 and over .................................... .5 1 ( ) 1 ( ) 1 ( ) 1 ( ) .1 1.7 1.7 1.8 

Earners ........................................................ 1.3 1.6 1.7 1.6 1.6 1.3 .5 .7 .3 

Vehicles ....................................................... 2.2 1.6 1.9 1.9 2.4 2.5 2.0 2.2 1.7 

Percent distribution:

Sex of reference person:

Male ............................................................. 52 43 55 46 44 52 61 59 63 

Female ......................................................... 48 57 45 54 56 48 39 41 37 

Housing tenure:

Homeowner .................................................. 75 19 46 65 79 91 90 90 88 

With mortgage ............................................ 40 14 39 51 58 47 22 29 12 

Without mortgage ....................................... 35 5 7 14 22 43 67 61 76 

Renter .......................................................... 25 81 54 35 21 9 10 10 12 

Race of reference person:

Black or African-American ........................... 10 14 11 14 12 7 7 7 7 

White, Asian, and all other races ................. 90 86 89 86 88 93 93 93 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 6 11 10 9 5 6 4 4 3 

Not Hispanic or Latino .................................. 94 89 90 91 95 94 96 96 97 

Education of reference person:

Elementary (1-8) .......................................... 4 1 1 3 3 4 8 7 10 

High school (9-12) ........................................ 36 36 26 35 35 35 41 41 42 

College ......................................................... 60 63 73 61 62 61 50 52 48 

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

At least one vehicle owned or leased ............ 93 83 91 89 95 96 93 94 91 

Average annual expenditures .......................... $47,119 $32,516 $46,799 $47,628 $52,490 $54,058 $40,108 $44,471 $34,104 

Food ............................................................... 5,826 4,265 5,638 5,731 6,181 6,607 5,380 5,842 4,758 

Food at home ............................................... 3,215 1,960 2,623 2,998 3,416 3,675 3,337 3,528 3,083 

Cereals and bakery products ..................... 423 271 329 374 436 480 466 477 451 

Cereals and cereal products .................... 130 99 115 117 133 143 135 136 135 

Bakery products ....................................... 293 172 214 257 303 337 331 342 316 

Meats, poultry, fish, and eggs .................... 801 454 631 783 868 934 806 871 721 

Beef .......................................................... 232 149 180 235 247 274 226 238 211 

Pork .......................................................... 169 89 118 159 185 210 169 184 149 

Other meats ............................................. 105 62 83 94 114 115 114 131 91 

Poultry ...................................................... 132 73 131 141 147 153 114 124 101 

Fish and seafood ..................................... 128 56 90 123 139 140 145 153 134 

Eggs ......................................................... 36 25 30 30 36 43 38 40 35 

Dairy products ............................................ 354 233 298 311 372 393 380 401 351 

Fresh milk and cream .............................. 127 94 102 111 132 139 140 140 140 

Other dairy products ................................ 227 140 196 200 241 254 240 261 212 

Fruits and vegetables ................................. 559 281 436 495 563 642 637 672 591 

Fresh fruits ............................................... 188 82 139 154 187 217 225 239 207 

Fresh vegetables ..................................... 186 84 150 175 190 216 202 222 176 

Processed fruits ....................................... 103 75 81 88 98 115 122 118 126 

Processed vegetables .............................. 82 39 66 77 87 94 88 93 82 

See footnotes at end of table.
Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

two

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Other food at home .................................... $1,078 $721 $929 $1,035 $1,177 $1,225 $1,048 $1,107 $969 

Sugar and other sweets ........................... 127 63 81 115 145 148 137 144 128 

Fats and oils ............................................. 86 45 73 70 92 102 91 91 92 

Miscellaneous foods ................................ 529 396 488 517 560 569 527 540 510 

Nonalcoholic beverages ........................... 284 203 258 296 334 325 236 262 200 

Food prepared by consumer unit on

out-of-town trips ..................................... 52 14 29 37 47 81 57 69 39 

Food away from home ................................. 2,612 2,305 3,014 2,733 2,766 2,932 2,042 2,315 1,675 

Alcoholic beverages ....................................... 537 530 641 788 531 533 391 466 291 

Housing .......................................................... 14,694 10,458 15,060 15,825 16,482 16,021 12,389 13,408 10,980

Shelter .......................................................... 8,327 6,546 9,541 9,566 9,699 8,629 6,216 6,696 5,550 

Owned dwellings ........................................ 5,723 1,415 4,772 6,350 7,326 6,894 4,587 5,099 3,876 

Mortgage interest and charges ................ 2,825 931 3,228 4,128 4,170 3,077 1,178 1,616 571 

Property taxes .......................................... 1,644 287 979 1,419 1,846 2,063 1,849 1,900 1,778 

Maintenance, repairs, insurance, other

expenses ................................................ 1,255 197 564 804 1,309 1,755 1,560 1,584 1,527 

Rented dwellings ........................................ 1,949 4,946 4,465 2,779 1,602 778 951 772 1,201 

Other lodging ............................................. 654 185 304 437 771 957 678 825 474 

Utilities, fuels, and public services ............... 3,140 1,949 2,696 3,099 3,428 3,490 3,109 3,301 2,844 

Natural gas ................................................. 454 184 325 456 453 511 529 542 510 

Electricity .................................................... 1,150 684 903 1,118 1,265 1,297 1,172 1,259 1,052 

Fuel oil and other fuels ............................... 151 433 65 94 161 195 199 204 192 

Telephone services .................................... 1,026 912 1,141 1,097 1,160 1,085 808 880 706 

Water and other public services ................. 358 136 262 335 390 403 402 415 384 

Household operations .................................. 634 334 538 529 647 722 707 731 673 

Personal services ....................................... 81 162 166 120 63 427 62 473 447 

Other household expenses ........................ 553 172 371 408 585 695 645 659 625 

Housekeeping supplies ................................ 667 333 525 653 684 835 664 735 571 

Laundry and cleaning supplies .................. 138 78 106 137 142 178 132 144 117 

Other household products .......................... 342 167 210 374 371 429 338 369 297 

Postage and stationery .............................. 187 88 209 142 171 229 194 222 157 

Household furnishings and equipment ......... 1,926 1,296 1,760 1,978 2,025 2,345 1,692 1,946 1,342 

Household textiles ...................................... 172 66 134 182 155 230 174 143 214 

Furniture ..................................................... 497 484 572 526 466 573 408 503 277 

Floor coverings .......................................... 66 12 44 58 85 99 49 66 25 

Major appliances ........................................ 253 137 214 187 240 330 271 262 281 

Small appliances, miscellaneous

housewares .............................................. 121 72 114 113 101 168 113 128 94 

Miscellaneous household equipment ......... 817 524 682 912 978 944 676 843 451 

Apparel and services ..................................... 1,705 1,607 2,111 1,899 1,853 1,864 1,194 1,488 797 

Men and boys .............................................. 381 365 372 474 440 409 281 371 160 

Men, 16 and over ....................................... 348 340 333 427 408 375 255 333 150 

Boys, 2 to 15 .............................................. 33 25 39 47 32 34 26 38 10 

Women and girls .......................................... 703 689 851 727 757 761 534 660 366 

Women, 16 and over .................................. 658 661 809 645 704 713 507 622 353 

Girls, 2 to 15 ............................................... 46 28 42 82 53 48 28 39 14 

Children under 2 .......................................... 43 55 51 36 49 56 23 28 15 

Footwear ...................................................... 256 208 317 327 281 274 173 203 133 

Other apparel products and services ........... 322 290 520 336 325 364 183 226 123 

Transportation ................................................ 8,637 7,110 9,566 8,616 9,455 10,001 6,705 7,773 5,223 

Vehicle purchases (net outlay) ..................... 3,729 3,087 4,509 3,706 3,902 4,412 2,763 3,304 2,012 

Cars and trucks, new ................................. 2,174 565 2,261 1,970 2,163 3,037 1,828 2,121 1,422 

Cars and trucks, used ................................ 1,456 2,483 2,188 1,491 1,533 1,306 927 1,170 590 

Other vehicles ............................................ 99 439 460 246 206 69 48 413 3 ( )

Gasoline and motor oil ................................. 1,838 1,683 1,869 1,898 2,125 2,082 1,400 1,647 1,058 

See footnotes at end of table.
Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

two

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Other vehicle expenses ............................... $2,517 $2,135 $2,667 $2,517 $2,911 $2,796 $1,980 $2,180 $1,703 

Vehicle finance charges ............................. 321 266 466 403 394 360 134 191 57 

Maintenance and repairs ........................... 711 553 658 655 777 815 657 703 593 

Vehicle insurance ....................................... 986 851 995 995 1,174 1,028 824 852 785 

Vehicle rental, leases, licenses, and other

charges .................................................... 499 464 547 465 566 593 365 434 268 

Public transportation .................................... 553 205 521 495 517 710 561 642 450 

Healthcare ...................................................... 3,292 937 1,558 2,012 2,803 3,924 5,071 4,897 5,311 

Health insurance .......................................... 1,694 493 822 952 1,330 1,876 2,846 2,754 2,973 

Medical services .......................................... 773 272 420 653 825 1,076 811 847 760 

Drugs ........................................................... 688 135 236 329 526 796 1,226 1,118 1,375 

Medical supplies .......................................... 136 37 80 77 122 176 188 178 202 

Entertainment ................................................. 2,550 1,777 2,756 2,376 2,595 3,274 2,034 2,531 1,347 

Fees and admissions ................................... 590 330 545 548 558 750 575 671 441 

Audio and visual equipment and services .... 847 717 941 913 911 898 704 794 578 

Pets, toys, hobbies, and playground

equipment .................................................. 462 341 486 488 581 566 285 358 185 

Other entertainment supplies, equipment,

and services ............................................... 651 389 784 426 546 1,060 470 707 142 

Personal care products and services ............. 607 420 565 671 631 658 580 606 545 

Reading .......................................................... 155 70 115 114 150 196 180 182 177 

Education ....................................................... 780 1,296 1,033 474 1,419 631 323 309 343 

Tobacco products and smoking supplies ....... 323 342 279 442 467 333 170 210 113 

Miscellaneous ................................................ 859 471 679 770 876 971 961 1,004 904 

Cash contributions ......................................... 1,892 538 846 1,413 1,854 2,291 2,606 2,910 2,184 

Personal insurance and pensions .................. 5,261 2,696 5,953 6,499 7,192 6,754 2,126 2,844 1,130 

Life and other personal insurance ................ 447 44 174 333 489 679 490 571 377 

Pensions and Social Security ...................... 4,814 2,651 5,779 6,166 6,703 6,075 1,636 2,273 753 

Sources of income and personal taxes: 

Money income before taxes ........................... 60,230 33,572 62,506 64,066 72,079 68,953 46,356 52,406 37,969 

Wages and salaries ..................................... 43,372 30,112 57,920 57,537 61,765 50,209 12,427 17,130 5,908 

Self-employment income ............................. 3,827 965 2,672 3,861 5,084 4,061 3,826 5,563 1,418 

Social Security, private and government

retirement ................................................... 10,205 4231 347 795 2,895 11,762 25,798 25,939 25,603 

Interest, dividends, rental income, other

property income ......................................... 1,889 458 680 728 974 2,162 3,791 3,269 4,515 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 213 72 172 221 368 230 125 161 475 

Public assistance, supplemental security

income, food stamps .................................. 219 295 158 297 268 226 154 150 160 

Regular contributions for support ................. 330 991 319 512 431 176 169 105 256 

Other income ............................................... 176 449 237 115 295 127 66 90 434 

Personal taxes ............................................... 2,863 799 2,912 3,149 4,325 3,560 1,423 1,431 1,411 

Federal income taxes ................................... 2,094 539 2,144 2,249 3,269 2,561 1,021 1,024 1,016 

State and local income taxes ....................... 543 239 678 715 808 694 127 129 124 

Other taxes .................................................. 227 21 89 185 248 305 275 279 271 

Income after taxes ......................................... 57,366 32,773 59,595 60,918 67,754 65,393 44,933 50,975 36,558 

See footnotes at end of table.
Table 3620. Consumer units of two persons by age of reference person: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

two

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Addenda:

Net change in total assets and liabilities ........ - $5,941 $1,945 - $12,734 - $7,125 - $11,385 - $660 - $4,000 - $5,312 - $2,182 

Net change in total assets ............................ 9,364 12,642 23,899 13,436 4,420 11,468 1,513 1,973 876 

Net change in total liabilities ........................ 15,305 10,697 36,633 20,560 15,804 12,129 5,513 7,285 3,058 

Other financial information:

Other money receipts ................................... 741 112 167 450 746 1,477 659 742 544 

Mortgage principal paid on owned

property ...................................................... -2,058 -299 -1,416 -2,380 -2,696 -3,119 -1,204 -1,668 -561 

Estimated market value of owned home ...... 170,119 28,535 96,207 130,250 176,096 226,534 202,060 215,530 183,386 

Estimated monthly rental value of owned

home .......................................................... 890 171 540 773 938 1,131 1,024 1,064 969 

Gifts of goods and services ............................ 1,540 603 557 1,224 2,591 2,083 1,114 1,349 795 

Food ............................................................. 129 13 28 79 266 198 64 80 41 

Alcoholic beverages ..................................... 21 56 10 41 27 16 10 14 6 

Housing ........................................................ 329 177 153 371 502 447 202 250 137 

Housekeeping supplies .............................. 60 47 42 102 67 72 38 48 24 

Household textiles ...................................... 21 421 14 17 25 37 11 11 10 

Appliances and miscellaneous

housewares .............................................. 33 418 30 19 21 65 28 32 22 

Major appliances ...................................... 11 2 ( ) 43 41 9 30 6 6 45 

Small appliances and miscellaneous

housewares ............................................ 23 417 28 18 12 34 22 26 17 

Miscellaneous household equipment ......... 87 55 33 156 119 108 50 60 36 

Other housing ............................................ 127 36 33 77 269 165 76 99 45 

Apparel and services ................................... 291 192 161 358 324 396 235 331 107 

Males, 2 and over ...................................... 78 45 39 124 69 97 78 117 24 

Females, 2 and over .................................. 113 70 43 139 136 157 91 132 37 

Children under 2 ........................................ 39 26 37 35 48 56 23 28 15 

Other apparel products and services ......... 61 51 43 60 70 86 44 53 31 

Jewelry and watches ................................ 19 414 14 15 30 23 12 15 7 

All other apparel products and services ... 42 436 29 45 41 63 32 38 424 

Transportation .............................................. 62 23 36 46 67 95 59 76 35 

Health care ................................................... 39 48 40 54 60 31 30 21 443 

Entertainment ............................................... 97 44 72 75 107 163 68 94 33 

Toys, games, arts and crafts, and

tricycles .................................................... 39 12 22 34 40 65 32 44 15 

Other entertainment ................................... 59 33 51 40 67 98 36 50 18 

Personal care products and services ........... 21 32 8 30 23 20 21 23 20 

Reading ........................................................ 2 2 ( ) 1 41 2 2 3 4 3 

Education ..................................................... 415 48 8 108 1,077 502 262 231 305 

All other gifts ................................................ 133 50 40 60 137 212 158 225 67 

1 Value less than 0.05. 2 Value less than or equal to 0.5. 3 No data reported.4 Data are likely to have large sampling errors.

n.a. Not applicable.