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

Expenditure Surveys, 2021-2022

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.................................................... 16,498 511 2,917 5,827 4,660 1,832 752 

Consumer unit characteristics:

 Income before taxes.................................................................................... $136,749 $76,946 $93,231 $141,507 $167,389 $145,403 $98,397 

 Income after taxes....................................................................................... 120,782 71,595 89,235 124,338 142,272 129,056 95,724 

 Age of reference person ............................................................................. 43.8 22.4 30.7 39.7 49.2 58.9 71.6 

 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 1.1 1.9 1.9 1.3 .7 .6 

 Adults 65 and older.................................................................................. .1 ( 2 ) ( 2 ) ( 2 ) .1 .1 1.5 

 Earners..................................................................................................... 2.0 2.2 1.7 1.8 2.3 2.5 1.8 

 Vehicles.................................................................................................... 2.4 2.1 2.0 2.2 2.7 2.8 2.3 

Percent distribution:

 Reference person:

 Men .......................................................................................................... 50 51 40 49 55 56 57 

 Women..................................................................................................... 50 49 60 51 45 44 43 

 Housing tenure:

 Homeowner.............................................................................................. 72 39 59 73 81 78 76 

 With mortgage ...................................................................................... 58 ( 2 ) 49 64 64 50 46 

 Without mortgage ................................................................................. 14 ( 2 ) 10 8 17 27 30 

 Renter ...................................................................................................... 28 61 41 27 19 22 24 

 Race of reference person:

 Black or African-American ....................................................................... 13 ( 2 ) 15 12 12 ( 2 ) ( 2 ) 

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

 African-American .................................................................................. 87 85 85 88 88 88 76 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino .................................................................................... 20 34 25 17 18 20 ( 2 ) 

 Not Hispanic or Latino ............................................................................. 80 66 75 83 82 80 89 

 Education of reference person:

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

 High school (9-12).................................................................................... 25 64 30 21 20 27 32 

 College..................................................................................................... 72 36 66 77 77 70 62 

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

 At least one vehicle owned or leased ......................................................... 95 91 93 96 95 95 98 

Average annual expenditures ........................................................................ $97,286 $61,909 $72,799 $101,390 $114,597 $99,043 $71,521 

 Food ............................................................................................................ 12,478 7,753 9,794 12,226 15,085 12,468 11,008 

 Food at home........................................................................................... 7,908 4,865 6,190 7,620 9,542 7,824 8,190 

 Cereals and bakery products................................................................ 1,034 538 795 975 1,283 1,002 1,167 

 Cereals and cereal products ............................................................. 323 ( 2 ) 255 313 418 287 254 

 Bakery products................................................................................. 711 379 540 662 865 715 912 

 Meats, poultry, fish, and eggs .............................................................. 1,637 1,149 1,318 1,562 1,885 1,737 1,848 

 Beef ................................................................................................... 419 173 384 392 495 467 331 

 Pork ................................................................................................... 335 ( 2 ) 244 332 343 366 ( 2 ) 

 Other meats....................................................................................... 220 183 168 186 257 308 240 

 Poultry................................................................................................ 302 ( 2 ) 233 299 353 286 324 

 Fish and seafood............................................................................... 255 ( 2 ) 196 253 315 200 ( 2 ) 

 Eggs................................................................................................... 106 ( 2 ) 92 101 121 109 106 

 Dairy products....................................................................................... 731 521 622 688 869 730 730 

 Fresh milk and cream........................................................................ 241 179 215 230 277 237 238 

 Other dairy products.......................................................................... 490 343 408 458 592 493 492 

 Fruits and vegetables ........................................................................... 1,591 978 1,196 1,578 1,951 1,469 1,541 

 Fresh fruits......................................................................................... 580 322 460 594 697 517 495 

 Fresh vegetables............................................................................... 515 443 381 516 616 468 527 

 Processed fruits................................................................................. 205 ( 2 ) 147 198 268 186 192 

 Processed vegetables ....................................................................... 290 ( 2 ) 207 271 370 299 327 

 Other food at home............................................................................... 2,915 ( 2 ) 2,260 2,817 3,554 2,886 2,905 

 Sugar and other sweets .................................................................... 273 ( 2 ) 220 266 321 230 291 

 Fats and oils ...................................................................................... 216 ( 2 ) 172 199 264 245 190 

 Miscellaneous foods.......................................................................... 1,553 700 1,200 1,525 1,895 1,540 1,478 

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, 2021-2022 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

 Nonalcoholic beverages .................................................................... 765 ( 2 ) 611 700 927 783 918 

 Food prepared by consumer unit on out of town trips ...................... 109 ( 2 ) 57 127 146 88 ( 2 ) 

 Food away from home ............................................................................. 4,570 ( 2 ) 3,604 4,606 5,543 4,644 2,818 

 Alcoholic beverages .................................................................................... 665 396 566 711 751 699 262 

 Housing ....................................................................................................... 30,583 18,628 25,266 33,161 33,561 29,065 24,433 

 Shelter...................................................................................................... 17,256 10,927 13,242 19,090 19,145 16,372 13,373 

 Owned dwellings................................................................................... 11,343 ( 2 ) 7,041 12,978 13,319 11,128 9,233 

 Mortgage interest and charges ......................................................... 5,111 ( 2 ) 3,737 6,101 5,734 4,689 2,763 

 Property taxes ................................................................................... 3,535 1,334 1,973 3,791 4,359 3,908 3,086 

 Maintenance, repairs, insurance, and other expenses ..................... 2,697 ( 2 ) 1,330 3,086 3,226 2,530 ( 2 ) 

 Rented dwellings .................................................................................. 4,399 7,506 5,657 4,635 3,395 3,817 ( 2 ) 

 Other lodging ........................................................................................ 1,514 ( 2 ) 544 1,476 2,431 1,428 ( 2 ) 

 Utilities, fuels, and public services........................................................... 5,683 4,119 4,640 5,376 6,445 6,620 6,177 

 Natural gas ........................................................................................... 606 439 464 585 727 598 700 

 Electricity............................................................................................... 2,022 1,564 1,752 1,899 2,178 2,396 2,457 

 Fuel oil and other fuels ......................................................................... 140 ( 2 ) ( 2 ) ( 2 ) 204 ( 2 ) ( 2 ) 

 Telephone services............................................................................... 1,966 1,346 1,575 1,861 2,300 2,337 1,736 

 Residential phone service, VOIP, and phone cards ......................... 128 ( 2 ) 57 89 161 241 252 

 Cellular phone service....................................................................... 1,837 1,258 1,517 1,772 2,139 2,096 1,484 

 Water and other public services ........................................................... 950 722 739 913 1,035 1,159 1,177 

 Household operations.............................................................................. 3,101 ( 2 ) 3,782 4,200 2,283 1,748 1,427 

 Personal services ................................................................................. 1,500 ( 2 ) 2,695 2,531 ( 2 ) ( 2 ) ( 2 ) 

 Other household expenses................................................................... 1,600 ( 2 ) 1,087 1,669 1,889 1,688 1,383 

 Housekeeping supplies............................................................................ 941 368 1,001 913 958 1,067 893 

 Laundry and cleaning supplies............................................................. 203 ( 2 ) 157 197 223 233 288 

 Other household products .................................................................... 590 226 657 574 595 ( 2 ) 460 

 Postage and stationery......................................................................... 148 ( 2 ) ( 2 ) 143 140 ( 2 ) ( 2 ) 

 Household furnishings and equipment .................................................... 3,602 1,808 2,601 3,582 4,730 3,259 2,562 

 Household textiles ................................................................................ 163 ( 2 ) ( 2 ) 103 ( 2 ) ( 2 ) ( 2 ) 

 Furniture................................................................................................ 1,076 ( 2 ) 715 943 1,635 959 ( 2 ) 

 Floor coverings ..................................................................................... 47 ( 2 ) 24 34 ( 2 ) ( 2 ) ( 2 ) 

 Major appliances................................................................................... 595 ( 2 ) 420 724 612 585 ( 2 ) 

 Small appliances and miscellaneous housewares............................... 158 ( 2 ) 146 171 177 141 72 

 Miscellaneous household equipment ................................................... 1,565 685 1,186 1,607 1,958 1,403 ( 2 ) 

 Apparel and services................................................................................... 3,012 ( 2 ) 2,511 3,117 3,274 3,208 2,003 

 Men and boys .......................................................................................... 774 ( 2 ) 521 935 825 695 ( 2 ) 

 Men, 16 and over.................................................................................. 462 ( 2 ) ( 2 ) 449 572 ( 2 ) ( 2 ) 

 Boys, 2 to 15......................................................................................... 313 ( 2 ) ( 2 ) 486 254 ( 2 ) ( 2 ) 

 Women and girls ...................................................................................... 1,077 ( 2 ) 802 1,013 1,275 1,401 ( 2 ) 

 Women, 16 and over ............................................................................ 782 ( 2 ) 515 637 935 ( 2 ) ( 2 ) 

 Girls, 2 to 15 ......................................................................................... 295 ( 2 ) 287 376 ( 2 ) ( 2 ) ( 2 ) 

 Children under 2 ...................................................................................... 164 ( 2 ) 482 196 ( 2 ) ( 2 ) ( 2 ) 

 Footwear .................................................................................................. 562 ( 2 ) ( 2 ) 592 571 671 ( 2 ) 

 Other apparel products and services....................................................... 435 ( 2 ) 227 381 ( 2 ) ( 2 ) ( 2 ) 

 Transportation ............................................................................................. 17,716 ( 2 ) 14,771 19,897 18,450 17,584 10,457 

 Vehicle purchases (net outlay) ................................................................ 8,028 ( 2 ) 7,049 10,330 6,940 7,605 ( 2 ) 

 Cars and trucks, new............................................................................ 3,979 ( 2 ) ( 2 ) 6,050 3,026 ( 2 ) ( 2 ) 

 Cars and trucks, used........................................................................... 3,983 ( 2 ) 4,874 4,252 3,766 4,112 ( 2 ) 

 Other vehicles....................................................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 3 ) 

 Gasoline, other fuels, and motor oil......................................................... 3,805 3,472 3,365 3,678 4,419 3,832 2,860 

 Other vehicle expenses ........................................................................... 4,972 3,897 3,744 4,864 5,924 5,333 4,511 

 Vehicle finance charges ....................................................................... 463 351 430 510 493 417 216 

 Maintenance and repairs ...................................................................... 1,271 767 926 1,201 1,663 1,250 1,098 

 Vehicle rental, leases, licenses, and other charges............................. 1,103 ( 2 ) 709 1,332 1,207 903 915 

 Vehicle insurance ................................................................................. 2,136 1,996 1,678 1,821 2,560 2,763 2,282 

 Public and other transportation................................................................ 911 ( 2 ) 613 1,025 1,167 814 ( 2 ) 

 Healthcare................................................................................................... 6,804 ( 2 ) 3,802 6,625 7,916 9,773 8,319 

 Health insurance...................................................................................... 4,335 ( 2 ) 2,669 4,476 4,838 5,188 5,978 

 Medical services ...................................................................................... 1,475 ( 2 ) 792 1,460 2,041 1,489 ( 2 ) 

 Drugs........................................................................................................ ( 2 ) ( 2 ) 249 517 720 ( 2 ) 689 

 Medical supplies ...................................................................................... 213 ( 2 ) 92 172 317 272 235 

 Entertainment.............................................................................................. 5,139 2,047 3,265 4,937 7,696 3,927 3,111 

 Fees and admissions............................................................................... 1,411 ( 2 ) 763 1,689 2,028 749 ( 2 ) 

 Audio and visual equipment and services ............................................... 1,231 ( 2 ) 961 1,288 1,358 1,281 1,044 

 Pets, toys, hobbies, and playground equipment ..................................... 1,151 ( 2 ) 815 1,161 1,466 967 ( 2 ) 

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, 2021-2022 — Continued

Item

Total

four

people

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

 Pets....................................................................................................... 837 ( 2 ) ( 2 ) 830 1,189 718 ( 2 ) 

 Toys, hobbies, and playground equipment .......................................... 314 ( 2 ) 380 331 278 ( 2 ) ( 2 ) 

 Other entertainment supplies, equipment, and services ......................... ( 2 ) ( 2 ) 727 798 ( 2 ) ( 2 ) ( 2 ) 

 Personal care products and services.......................................................... 1,069 ( 2 ) 799 1,061 1,285 1,089 836 

 Reading....................................................................................................... 115 ( 2 ) 103 116 121 ( 2 ) ( 2 ) 

 Education .................................................................................................... 2,186 ( 2 ) 682 1,551 4,101 2,371 ( 2 ) 

 Tobacco products and smoking supplies ................................................... 327 ( 2 ) 441 305 210 449 ( 2 ) 

 Miscellaneous ............................................................................................. 1,274 ( 2 ) 942 1,472 1,266 1,345 ( 2 ) 

 Cash contributions ...................................................................................... 2,365 ( 2 ) ( 2 ) 1,660 ( 2 ) 2,321 1,440 

 Personal insurance and pensions............................................................... 13,554 6,316 8,524 14,552 16,884 14,606 7,050 

 Life and other personal insurance ........................................................... 725 ( 2 ) 295 742 1,020 757 803 

 Pensions and Social Security .................................................................. 12,828 6,252 8,229 13,809 15,864 13,849 6,247 

Sources of income and personal taxes:

 Income before taxes.................................................................................... $136,749 $76,946 $93,231 $141,507 $167,389 $145,403 $98,397 

 Wages and salaries ................................................................................. 120,533 66,960 84,575 129,852 145,638 124,117 59,967 

 Self-employment income ......................................................................... 9,116 ( 2 ) 4,787 7,760 14,114 10,783 ( 2 ) 

 Social Security, private and government retirement ............................... 2,943 ( 2 ) ( 2 ) 882 2,013 4,934 28,655 

 Interest, dividends, rental income, and other property income ............... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP).................................................. 815 ( 2 ) 1,463 521 505 ( 2 ) 1,625 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support.................................................... 940 ( 2 ) ( 2 ) ( 2 ) 764 ( 2 ) ( 2 ) 

 Other income ........................................................................................... 340 ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Personal taxes (contains some imputed values)........................................ 15,967 ( 2 ) ( 2 ) 17,170 25,117 16,347 ( 2 ) 

 Federal income taxes .............................................................................. 13,056 ( 2 ) ( 2 ) 14,107 20,622 13,804 ( 2 ) 

 Stimulus payment (new UCC Q20202)# ................................................. -1,910 ( 2 ) -2,044 -1,896 -1,739 -2,066 -2,172 

 State and local income taxes................................................................... 4,538 1,540 2,680 4,790 6,143 4,525 1,907 

 Other taxes .............................................................................................. ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Income after taxes....................................................................................... 120,782 71,595 89,235 124,338 142,272 129,056 95,724 

Addenda:

 Net change in total assets and liabilities..................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Net change in total assets ....................................................................... 38,637 ( 2 ) ( 2 ) 53,409 ( 2 ) ( 2 ) ( 2 ) 

 Net change in total liabilities .................................................................... 38,337 ( 2 ) ( 2 ) 49,424 42,391 ( 2 ) ( 2 ) 

 Other financial information:

 Other money receipts .............................................................................. ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Mortgage principal paid on owned property ............................................ -4,411 ( 2 ) -2,553 -4,672 -5,603 -5,123 -2,835 

 Estimated market value of owned home ................................................. 345,258 ( 2 ) 195,344 350,496 425,784 410,131 378,775 

 Estimated monthly rental value of owned home...................................... 1,697 690 1,084 1,763 2,023 1,926 1,682 

1

 Data are rounded to the nearest thousands.

2

 Data are suppressed due to the Relative Standard Error (RSE) being equal to or greater than 25 percent. See www.bls.gov/cex/tables-getting-started-guide.htm for more information.

3

 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, 2023