Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006

Item

Total

35-44

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Number of consumer units (in thousands) ....... 23,892 537 689 840 846 2,226 2,576 2,452 4,228 9,498 

Consumer unit characteristics: 

Income before taxes ..................................... $74,159 - $1,803 $7,770 $12,664 $17,401 $25,017 $34,879 $44,769 $59,406 $130,091 

Income after taxes ........................................ 71,035 -1,682 8,025 13,118 17,774 25,130 34,321 43,666 57,543 123,372 

Age of reference person ................................ 39.7 39.7 39.9 39.8 39.9 39.6 39.4 39.8 39.5 39.8 

Average number in consumer unit:

Persons ........................................................ 3.2 2.3 2.2 2.6 2.8 2.9 2.9 3.0 3.3 3.6 

Children under 18 ........................................ 1.3 .9 .8 1.2 1.2 1.2 1.2 1.1 1.3 1.4 

Persons 65 and over .................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( )

Earners ........................................................ 1.6 .6 .6 .9 1.1 1.3 1.4 1.6 1.8 2.0 

Vehicles ....................................................... 2.1 .8 .8 1.1 1.2 1.5 1.7 2.1 2.3 2.6 

Percent distribution:

Sex of reference person:

Male ............................................................. 47 35 38 37 41 41 43 46 49 52 

Female ......................................................... 53 65 62 63 59 59 57 54 51 48 

Housing tenure:

Homeowner .................................................. 68 37 28 31 34 43 56 63 72 89 

With mortgage ............................................ 59 22 12 17 20 30 44 51 63 82 

Without mortgage ....................................... 10 15 17 14 14 13 12 12 9 7 

Renter .......................................................... 32 63 72 69 66 57 44 37 28 11 

Race of reference person:

Black or African-American ........................... 14 23 27 22 29 21 21 13 11 8 

White, Asian, and all other races ................. 86 77 73 78 71 79 79 87 89 92 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 14 14 16 27 22 21 20 16 15 9 

Not Hispanic or Latino .................................. 86 86 84 73 78 79 80 84 85 91 

Education of reference person:

Elementary (1-8) .......................................... 4 11 12 12 9 6 7 4 3 1 

High school (9-12) ........................................ 32 50 56 54 55 48 44 37 32 18 

College ......................................................... 63 38 31 34 37 46 49 58 65 81 

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

At least one vehicle owned or leased ............ 91 52 57 69 74 83 91 94 96 98 

Average annual expenditures .......................... $56,350 $27,002 $18,200 $23,892 $23,532 $29,277 $36,372 $41,000 $51,166 $84,436 

Food ............................................................... 7,345 4,345 3,160 4,972 4,151 4,702 5,436 6,034 7,085 9,800 

Food at home ............................................... 4,125 2,403 2,077 3,588 3,045 3,066 3,232 3,433 3,979 5,186 

Cereals and bakery products ..................... 559 297 277 459 353 402 416 445 539 724 

Cereals and cereal products .................... 184 95 106 162 141 147 141 148 180 229 

Bakery products ....................................... 375 202 170 297 212 255 275 297 359 495 

Meats, poultry, fish, and eggs .................... 963 647 581 879 762 796 804 818 950 1,147 

Beef .......................................................... 283 216 189 263 209 240 235 240 278 334 

Pork .......................................................... 193 144 137 170 172 165 190 164 183 221 

Other meats ............................................. 132 62 46 111 99 103 110 117 133 162 

Poultry ...................................................... 177 123 100 187 137 142 137 142 177 214 

Fish and seafood ..................................... 137 71 81 103 102 105 94 116 133 174 

Eggs ......................................................... 41 31 28 44 43 40 37 39 46 42 

Dairy products ............................................ 465 244 221 386 314 326 375 368 469 590 

Fresh milk and cream .............................. 185 127 109 156 145 150 151 157 191 220 

Other dairy products ................................ 280 117 112 229 169 176 225 211 278 370 

Fruits and vegetables ................................. 667 429 293 559 537 492 488 574 605 859 

Fresh fruits ............................................... 218 164 96 184 166 139 171 189 192 287 

Fresh vegetables ..................................... 205 167 78 159 166 169 141 170 188 263 

Processed fruits ....................................... 131 43 59 105 109 96 92 104 121 174 

Processed vegetables .............................. 112 55 60 110 97 88 85 111 105 136 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

35-44

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other food at home .................................... $1,471 $786 $706 $1,306 $1,078 $1,049 $1,148 $1,226 $1,416 $1,866 

Sugar and other sweets ........................... 145 87 77 107 93 99 117 115 140 187 

Fats and oils ............................................. 98 50 54 99 80 86 85 81 102 114 

Miscellaneous foods ................................ 785 374 321 747 598 544 610 641 741 1,009 

Nonalcoholic beverages ........................... 399 269 248 342 301 309 313 362 397 480 

Food prepared by consumer unit on

out-of-town trips ..................................... 44 45 46 410 47 10 23 27 36 76 

Food away from home ................................. 3,220 1,942 1,083 1,384 1,105 1,636 2,204 2,602 3,107 4,614 

Alcoholic beverages ....................................... 504 4216 119 188 157 202 361 508 435 738 

Housing .......................................................... 19,409 11,042 8,018 9,264 9,643 10,777 13,188 14,543 16,818 28,573 

Shelter .......................................................... 11,656 7,460 4,868 5,570 6,054 6,438 7,717 8,753 9,989 17,205 

Owned dwellings ........................................ 8,465 3,871 1,434 1,884 1,743 2,386 4,057 5,126 6,893 14,598 

Mortgage interest and charges ................ 5,556 2,304 575 1,182 1,121 1,541 2,613 3,443 4,516 9,631 

Property taxes .......................................... 1,849 837 503 531 386 528 857 1,042 1,496 3,194 

Maintenance, repairs, insurance, other

expenses ................................................ 1,060 731 356 171 237 317 587 641 880 1,773 

Rented dwellings ........................................ 2,706 3,385 3,370 3,654 4,257 3,996 3,529 3,388 2,804 1,652 

Other lodging ............................................. 485 4203 463 433 453 56 130 239 292 955 

Utilities, fuels, and public services ............... 3,712 2,251 2,249 2,352 2,545 2,816 3,092 3,269 3,747 4,602 

Natural gas ................................................. 541 296 262 419 383 424 438 427 521 694 

Electricity .................................................... 1,355 973 953 917 1,033 1,105 1,172 1,226 1,339 1,621 

Fuel oil and other fuels ............................... 147 465 446 446 427 55 111 163 148 204 

Telephone services .................................... 1,240 661 772 733 803 954 1,042 1,110 1,298 1,518 

Water and other public services ................. 430 257 216 238 298 278 329 343 441 564 

Household operations .................................. 1,263 411 167 299 202 352 442 679 813 2,357 

Personal services ....................................... 739 4192 441 4140 460 152 218 354 393 1,465 

Other household expenses ........................ 524 219 126 159 142 200 224 325 419 892 

Housekeeping supplies ................................ 738 365 376 336 295 415 512 538 646 1,076 

Laundry and cleaning supplies .................. 175 65 198 121 101 148 119 143 179 216 

Other household products .......................... 399 247 140 154 149 186 270 272 319 615 

Postage and stationery .............................. 164 453 39 61 45 81 123 122 147 246 

Household furnishings and equipment ......... 2,039 555 359 706 547 756 1,425 1,305 1,623 3,332 

Household textiles ...................................... 147 437 431 21 44 79 134 148 135 206 

Furniture ..................................................... 581 210 91 274 151 138 274 330 412 1,031 

Floor coverings .......................................... 47 47 44 427 47 6 7 21 46 86 

Major appliances ........................................ 260 427 445 78 67 83 96 177 216 446 

Small appliances, miscellaneous

housewares .............................................. 107 29 19 31 45 68 57 100 77 164 

Miscellaneous household equipment ......... 897 246 169 275 234 382 856 530 738 1,398 

Apparel and services ..................................... 2,366 2,016 1,051 1,290 909 1,602 1,769 1,721 2,326 3,215 

Men and boys .............................................. 587 158 276 397 152 343 468 448 612 795 

Men, 16 and over ....................................... 404 473 152 286 77 211 331 322 421 554 

Boys, 2 to 15 .............................................. 182 86 124 110 75 133 137 126 191 241 

Women and girls .......................................... 925 959 333 437 347 649 728 645 903 1,253 

Women, 16 and over .................................. 671 799 174 302 220 471 573 478 708 877 

Girls, 2 to 15 ............................................... 254 160 159 136 127 178 154 167 195 376 

Children under 2 .......................................... 117 479 474 75 120 80 95 72 86 166 

Footwear ...................................................... 400 4690 247 245 152 385 307 351 440 455 

Other apparel products and services ........... 337 129 122 137 138 144 172 204 286 547 

Transportation ................................................ 9,961 4,726 2,549 3,658 3,328 5,527 6,383 6,806 10,207 14,655 

Vehicle purchases (net outlay) ..................... 4,232 42,177 4879 1,169 4779 2,187 2,389 2,251 4,409 6,581 

Cars and trucks, new ................................. 2,190 41,393 3 ( ) 4233 496 4474 873 862 2,270 3,819 

Cars and trucks, used ................................ 1,912 784 879 921 684 1,712 1,512 1,290 1,995 2,527 

Other vehicles ............................................ 130 3 ( ) 3 ( ) 415 3 ( ) 3 ( ) 43 498 144 234 

Gasoline and motor oil ................................. 2,507 980 905 1,284 1,382 1,794 1,954 2,181 2,660 3,252 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

35-44

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other vehicle expenses ............................... $2,697 $1,342 $593 $1,091 $1,008 $1,400 $1,834 $2,073 $2,772 $3,883 

Vehicle finance charges ............................. 385 4100 428 139 72 151 270 313 404 572 

Maintenance and repairs ........................... 736 409 251 364 338 465 555 560 760 1,003 

Vehicle insurance ....................................... 992 285 259 469 474 637 767 898 1,079 1,307 

Vehicle rental, leases, licenses, and other

charges .................................................... 585 548 55 118 124 147 242 302 529 1,001 

Public transportation .................................... 525 226 173 114 158 146 207 302 367 939 

Healthcare ...................................................... 2,278 824 661 839 972 1,119 1,489 1,954 2,327 3,265 

Health insurance .......................................... 1,187 423 229 380 602 599 846 1,004 1,342 1,632 

Medical services .......................................... 650 276 173 205 200 273 321 553 552 1,031 

Drugs ........................................................... 349 102 234 213 150 214 267 332 352 457 

Medical supplies .......................................... 92 424 425 442 420 33 55 66 82 145 

Entertainment ................................................. 2,866 909 798 929 926 1,112 1,706 1,912 2,430 4,631 

Fees and admissions ................................... 796 155 133 146 125 197 304 382 564 1,482 

Audio and visual equipment and services .... 1,040 493 461 535 521 565 766 913 1,018 1,432 

Pets, toys, hobbies, and playground

equipment .................................................. 482 134 115 142 193 214 354 344 443 733 

Other entertainment supplies, equipment,

and services ............................................... 547 128 88 106 87 137 282 274 406 984 

Personal care products and services ............. 657 227 224 294 390 344 449 497 626 948 

Reading .......................................................... 117 49 26 38 39 41 53 76 92 198 

Education ....................................................... 894 567 109 249 262 255 328 431 653 1,612 

Tobacco products and smoking supplies ....... 356 380 430 382 496 437 445 397 370 274 

Miscellaneous ................................................ 867 738 351 502 336 369 632 678 815 1,244 

Cash contributions ......................................... 1,721 267 362 407 604 753 1,088 1,130 1,235 2,885 

Personal insurance and pensions .................. 7,009 697 340 881 1,320 2,038 3,045 4,311 5,745 12,399 

Life and other personal insurance ................ 381 4182 459 74 133 122 136 214 301 669 

Pensions and Social Security ...................... 6,629 515 282 807 1,187 1,916 2,909 4,096 5,444 11,729 

Sources of income and personal taxes: 

Money income before taxes ........................... 74,159 -1,803 7,770 12,664 17,401 25,017 34,879 44,769 59,406 130,091 

Wages and salaries ..................................... 66,350 3,051 2,881 8,291 13,034 21,109 31,379 40,441 54,891 116,294 

Self-employment income ............................. 4,958 4-6,376 420 4221 4280 1,178 1,098 2,257 2,357 10,581 

Social Security, private and government

retirement ................................................... 830 4224 1,755 1,121 1,298 868 758 819 758 776 

Interest, dividends, rental income, other

property income ......................................... 760 202 47 427 478 45 161 196 243 1,676 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 229 426 4178 4320 4318 341 271 194 291 173 

Public assistance, supplemental security

income, food stamps .................................. 384 739 2,249 1,850 1,786 779 353 147 117 70 

Regular contributions for support ................. 520 4187 451 598 428 559 731 623 589 420 

Other income ............................................... 128 4143 4229 4236 4179 136 127 92 160 100 

Personal taxes ............................................... 3,124 -121 -255 -454 -372 -113 558 1,103 1,863 6,718 

Federal income taxes ................................... 2,217 -216 -291 -545 -486 -309 223 669 1,189 5,012 

State and local income taxes ....................... 733 -9 17 17 75 162 263 323 530 1,407 

Other taxes .................................................. 173 4104 18 74 39 34 71 112 144 299 

Income after taxes ......................................... 71,035 -1,682 8,025 13,118 17,774 25,130 34,321 43,666 57,543 123,372 

See footnotes at end of table.
Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

35-44

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Addenda:

Net change in total assets and liabilities ........ - $14,373 $9,472 $73 - $8,514 - $10,027 $392 - $1,807 - $10,394 - $4,457 - $29,984 

Net change in total assets ............................ 16,368 20,470 5,325 2,780 920 6,436 8,498 11,468 18,216 24,420 

Net change in total liabilities ........................ 30,741 10,998 5,252 11,294 10,947 6,044 10,304 21,862 22,673 54,404 

Other financial information:

Other money receipts ................................... 317 4136 414 487 41,160 227 170 533 139 379 

Mortgage principal paid on owned property -2,743 -971 -514 -414 -530 -637 -1,060 -1,502 -2,145 -4,944 

Estimated market value of owned home ...... 185,320 77,951 39,824 40,228 39,819 56,726 80,782 110,647 151,278 320,664 

Estimated monthly rental value of owned

home .......................................................... 951 383 240 266 268 368 508 624 852 1,542 

Gifts of goods and services ............................ 839 419 311 300 212 434 830 548 854 1,173 

Food ............................................................. 89 431 428 420 452 36 48 39 67 151 

Alcoholic beverages ..................................... 18 412 43 3 ( ) 43 11 18 15 9 29 

Housing ........................................................ 179 109 57 51 43 103 469 107 146 196 

Housekeeping supplies .............................. 25 48 410 49 45 419 17 13 25 37 

Household textiles ...................................... 11 2 ( ) 423 3 ( ) 2 ( ) 48 47 412 48 14 

Appliances and miscellaneous

housewares .............................................. 14 3 ( ) 41 42 45 49 414 49 16 19 

Major appliances ...................................... 4 3 ( ) 41 3 ( ) 41 41 45 41 43 8 

Small appliances and miscellaneous

housewares ............................................ 10 3 ( ) 3 ( ) 42 44 48 49 48 13 11 

Miscellaneous household equipment ......... 70 422 410 49 410 30 379 25 36 49 

Other housing ............................................ 59 79 414 431 423 37 52 47 61 77 

Apparel and services ................................... 236 474 176 115 57 196 154 195 309 283 

Males, 2 and over ...................................... 54 437 434 429 421 21 52 33 82 63 

Females, 2 and over .................................. 79 41 458 419 45 71 54 50 116 95 

Children under 2 ........................................ 50 436 446 444 416 49 34 52 42 62 

Other apparel products and services ......... 53 3 ( ) 438 423 414 455 415 59 70 63 

Jewelry and watches ................................ 31 3 ( ) 2 ( ) 43 43 427 49 443 47 37 

All other apparel products and services ... 22 3 ( ) 438 420 411 429 46 416 423 27 

Transportation .............................................. 50 22 47 3 ( ) 46 16 11 39 81 72 

Health care ................................................... 25 2 ( ) 41 43 3 ( ) 47 49 417 32 40 

Entertainment ............................................... 66 410 423 427 415 24 40 56 61 101 

Toys, games, arts and crafts, and tricycles 20 44 41 414 43 13 13 14 20 29 

Other entertainment ................................... 46 46 422 413 412 11 28 42 41 72 

Personal care products and services ........... 19 45 44 414 412 47 45 10 22 28 

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

Education ..................................................... 99 4156 43 45 415 413 443 41 74 180 

All other gifts ................................................ 58 2 ( ) 410 466 48 22 34 30 53 93 

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.