Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006

Item

Total

45-54

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) ....... 24,544 654 844 903 974 2,072 2,538 2,274 3,917 10,368 

Consumer unit characteristics: 

Income before taxes ..................................... $76,160 - $4,325 $7,869 $12,468 $17,399 $25,280 $34,745 $44,675 $59,519 $131,361 

Income after taxes ........................................ 72,569 -4,556 7,918 12,711 17,515 24,997 33,645 43,539 57,475 124,186 

Age of reference person ................................ 49.3 49.2 49.5 49.7 49.2 49.3 49.1 49.2 49.6 49.3 

Average number in consumer unit:

Persons ........................................................ 2.7 1.8 1.7 2.1 2.3 2.2 2.3 2.5 2.7 3.1 

Children under 18 ........................................ .6 .4 .4 .5 .6 .5 .5 .6 .5 .7 

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

Earners ........................................................ 1.7 .6 .5 .8 1.0 1.3 1.4 1.6 1.9 2.2 

Vehicles ....................................................... 2.4 1.0 .8 1.0 1.3 1.6 1.8 2.0 2.5 3.1 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 33 28 43 40 39 44 43 49 54 

Female ......................................................... 52 67 72 57 60 61 56 57 51 46 

Housing tenure:

Homeowner .................................................. 75 43 28 38 44 57 63 71 81 92 

With mortgage ............................................ 58 19 13 15 25 38 45 55 63 77 

Without mortgage ....................................... 17 24 15 23 19 18 18 16 18 16 

Renter .......................................................... 25 57 72 62 56 43 37 29 19 8 

Race of reference person:

Black or African-American ........................... 13 28 28 23 22 18 19 15 11 7 

White, Asian, and all other races ................. 87 72 72 77 78 82 81 85 89 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 10 13 12 14 17 16 12 9 9 7 

Not Hispanic or Latino .................................. 90 87 88 86 83 84 88 91 91 93 

Education of reference person:

Elementary (1-8) .......................................... 4 9 11 13 8 7 6 3 3 1 

High school (9-12) ........................................ 34 42 52 44 55 49 44 39 35 22 

College ......................................................... 62 48 36 43 36 44 50 58 62 77 

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

At least one vehicle owned or leased ............ 91 62 56 66 76 85 90 95 96 98 

Average annual expenditures .......................... $56,729 $25,701 $17,188 $19,746 $23,269 $28,069 $33,551 $38,965 $49,753 $85,910 

Food ............................................................... 7,155 4,150 3,211 3,236 3,473 4,099 4,589 5,111 6,809 10,012

Food at home ............................................... 3,922 2,672 2,363 2,303 2,252 2,689 2,801 3,024 3,940 5,055 

Cereals and bakery products ..................... 505 356 305 292 275 340 364 383 493 659 

Cereals and cereal products .................... 161 111 110 101 95 109 120 132 144 210 

Bakery products ....................................... 344 244 195 190 180 231 244 251 350 449 

Meats, poultry, fish, and eggs .................... 945 696 624 633 558 696 638 744 995 1,180 

Beef .......................................................... 295 169 169 226 164 213 186 227 350 361 

Pork .......................................................... 186 159 136 132 101 146 133 135 213 222 

Other meats ............................................. 124 106 75 84 69 83 95 107 115 159 

Poultry ...................................................... 161 122 137 95 96 121 109 126 162 201 

Fish and seafood ..................................... 141 115 76 60 99 102 82 115 117 193 

Eggs ......................................................... 38 25 32 36 29 31 34 34 37 43 

Dairy products ............................................ 426 285 214 251 254 283 316 335 428 550 

Fresh milk and cream .............................. 155 111 100 125 105 116 126 134 155 187 

Other dairy products ................................ 271 174 114 126 149 168 189 201 273 363 

Fruits and vegetables ................................. 649 381 353 377 358 450 432 498 611 867 

Fresh fruits ............................................... 213 137 97 107 114 144 123 152 199 294 

Fresh vegetables ..................................... 218 124 109 131 116 154 138 166 196 297 

Processed fruits ....................................... 116 65 63 63 64 79 92 91 115 150 

Processed vegetables .............................. 102 55 84 77 64 73 79 90 101 126 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

45-54

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 .................................... $1,397 $954 $868 $751 $808 $919 $1,051 $1,064 $1,413 $1,800 

Sugar and other sweets ........................... 149 77 82 78 72 85 111 96 158 199 

Fats and oils ............................................. 98 60 72 64 91 73 66 86 94 122 

Miscellaneous foods ................................ 710 488 463 334 368 474 524 542 702 927 

Nonalcoholic beverages ........................... 389 299 237 268 259 270 317 317 417 471 

Food prepared by consumer unit on

out-of-town trips ..................................... 50 430 415 47 418 18 33 24 42 81 

Food away from home ................................. 3,233 1,477 847 933 1,222 1,410 1,788 2,088 2,869 4,957 

Alcoholic beverages ....................................... 535 229 140 148 242 274 275 357 482 808 

Housing .......................................................... 17,837 9,839 7,469 7,767 9,154 10,436 11,574 13,817 15,668 25,552 

Shelter .......................................................... 10,606 6,016 4,566 4,617 5,321 6,158 6,938 8,111 9,060 15,322 

Owned dwellings ........................................ 7,871 2,514 1,069 1,263 1,941 3,139 3,880 5,461 6,949 12,696 

Mortgage interest and charges ................ 4,672 1,444 485 627 1,125 1,709 2,285 3,237 4,211 7,567 

Property taxes .......................................... 1,987 922 382 354 541 788 960 1,454 1,713 3,173 

Maintenance, repairs, insurance, other

expenses ................................................ 1,213 147 202 281 275 642 635 770 1,026 1,956 

Rented dwellings ........................................ 1,946 3,287 3,440 3,299 3,293 2,921 2,882 2,444 1,743 1,038 

Other lodging ............................................. 788 4216 458 454 88 98 177 206 369 1,588 

Utilities, fuels, and public services ............... 3,803 2,415 2,047 2,217 2,500 2,879 2,968 3,367 3,730 4,807 

Natural gas ................................................. 567 369 339 240 332 426 402 488 574 733 

Electricity .................................................... 1,389 949 841 956 1,035 1,105 1,131 1,245 1,351 1,698 

Fuel oil and other fuels ............................... 161 498 417 482 89 120 101 109 140 233 

Telephone services .................................... 1,249 770 626 700 804 919 1,013 1,143 1,217 1,579 

Water and other public services ................. 437 228 224 238 239 310 322 383 449 564 

Household operations .................................. 731 249 166 184 220 277 343 370 615 1,210 

Personal services ....................................... 162 463 453 423 417 465 111 70 160 256 

Other household expenses ........................ 569 186 113 161 203 211 233 301 455 954 

Housekeeping supplies ................................ 722 357 314 282 440 344 440 484 675 1,039 

Laundry and cleaning supplies .................. 157 129 149 92 111 89 138 131 167 188 

Other household products .......................... 379 186 127 131 290 184 191 244 337 560 

Postage and stationery .............................. 186 42 38 59 39 71 111 109 171 290 

Household furnishings and equipment ......... 1,975 802 376 468 673 779 884 1,484 1,587 3,174 

Household textiles ...................................... 167 74 27 66 77 68 88 104 127 266 

Furniture ..................................................... 496 259 132 76 146 174 199 291 359 845 

Floor coverings .......................................... 69 43 49 42 42 7 8 29 57 132 

Major appliances ........................................ 262 480 56 447 52 120 88 202 256 414 

Small appliances, miscellaneous

housewares .............................................. 136 49 38 21 40 38 58 78 144 213 

Miscellaneous household equipment ......... 843 337 114 256 357 373 443 781 645 1,304 

Apparel and services ..................................... 2,247 1,204 973 1,088 888 1,062 1,357 1,469 1,903 3,358 

Men and boys .............................................. 555 144 163 325 136 248 291 415 544 818 

Men, 16 and over ....................................... 458 4109 4103 299 92 165 211 340 452 690 

Boys, 2 to 15 .............................................. 97 35 60 25 44 83 79 75 92 129 

Women and girls .......................................... 934 670 325 374 444 386 593 614 791 1,392 

Women, 16 and over .................................. 801 558 263 349 384 332 524 531 686 1,185 

Girls, 2 to 15 ............................................... 133 112 63 25 59 54 70 83 105 207 

Children under 2 .......................................... 62 469 429 427 445 42 41 53 51 84 

Footwear ...................................................... 356 4212 341 257 4143 259 292 225 275 484 

Other apparel products and services ........... 339 109 114 106 119 127 140 162 243 579 

Transportation ................................................ 9,954 4,208 2,338 2,909 3,560 4,510 6,311 6,757 9,411 15,035 

Vehicle purchases (net outlay) ..................... 3,964 41,608 4718 4615 4799 1,184 2,322 2,071 3,708 6,436 

Cars and trucks, new ................................. 2,123 4964 4106 442 4170 4468 4580 778 1,686 3,894 

Cars and trucks, used ................................ 1,768 4584 608 573 629 716 1,700 1,293 1,974 2,400 

Other vehicles ............................................ 74 460 44 3 ( ) 3 ( ) 3 ( ) 442 3 ( ) 449 141 

Gasoline and motor oil ................................. 2,559 1,268 766 1,180 1,445 1,649 1,970 2,253 2,581 3,396 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

45-54

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 ............................... $2,835 $1,095 $659 $933 $1,158 $1,449 $1,811 $2,222 $2,769 $4,128 

Vehicle finance charges ............................. 333 104 57 52 85 152 211 270 343 493 

Maintenance and repairs ........................... 838 411 191 393 413 364 536 651 777 1,228 

Vehicle insurance ....................................... 1,132 443 314 375 384 709 824 999 1,164 1,555 

Vehicle rental, leases, licenses, and other

charges .................................................... 532 137 97 113 277 224 240 302 486 852 

Public transportation .................................... 596 237 195 180 157 229 207 212 353 1,074 

Healthcare ...................................................... 2,715 1,421 531 1,275 1,259 1,810 1,845 2,345 2,594 3,753 

Health insurance .......................................... 1,296 551 225 469 555 788 891 1,206 1,352 1,772 

Medical services .......................................... 784 530 91 475 343 518 489 632 631 1,141 

Drugs ........................................................... 497 255 173 282 314 444 371 423 499 629 

Medical supplies .......................................... 137 486 442 49 46 61 95 85 112 210 

Entertainment ................................................. 2,901 921 754 836 937 1,147 1,641 1,759 2,430 4,639 

Fees and admissions ................................... 755 205 105 63 121 183 236 320 483 1,401 

Audio and visual equipment and services .... 1,033 482 446 520 537 582 737 784 932 1,462 

Pets, toys, hobbies, and playground

equipment .................................................. 518 182 140 232 228 208 312 380 527 753 

Other entertainment supplies, equipment,

and services ............................................... 596 53 62 20 51 174 357 275 488 1,023 

Personal care products and services ............. 662 270 223 198 288 331 434 483 595 977 

Reading .......................................................... 138 44 22 25 38 64 71 107 113 220 

Education ....................................................... 1,752 438 207 126 455 366 322 422 1,023 3,416 

Tobacco products and smoking supplies ....... 430 329 475 457 512 447 501 465 509 365 

Miscellaneous ................................................ 960 881 272 563 572 586 655 576 1,025 1,292 

Cash contributions ......................................... 2,097 807 295 406 745 849 809 1,110 1,337 3,667 

Personal insurance and pensions .................. 7,347 959 277 712 1,145 2,088 3,167 4,186 5,852 12,817 

Life and other personal insurance ................ 443 101 69 69 132 172 195 278 348 743 

Pensions and Social Security ...................... 6,904 858 208 643 1,014 1,915 2,972 3,908 5,504 12,074 

Sources of income and personal taxes: 

Money income before taxes ........................... 76,160 -4,325 7,869 12,468 17,399 25,280 34,745 44,675 59,519 131,361 

Wages and salaries ..................................... 66,263 5,207 2,510 6,118 11,591 20,507 29,564 39,267 53,337 114,608 

Self-employment income ............................. 5,169 -10,821 4-55 4419 4354 789 1,961 2,115 2,773 10,704 

Social Security, private and government

retirement ................................................... 2,051 282 2,139 3,439 3,280 2,314 2,014 2,048 2,026 1,886 

Interest, dividends, rental income, other

property income ......................................... 1,312 153 79 105 140 192 180 201 267 2,840 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 300 497 4319 4299 353 399 239 276 430 257 

Public assistance, supplemental security

income, food stamps .................................. 340 511 2,367 1,544 1,147 415 335 207 151 70 

Regular contributions for support ................. 458 462 298 284 350 529 326 454 384 569 

Other income ............................................... 268 4183 4211 4261 4182 135 127 107 151 427 

Personal taxes ............................................... 3,591 231 -49 -243 -116 283 1,100 1,136 2,044 7,175 

Federal income taxes ................................... 2,594 168 -134 -289 -228 66 671 691 1,398 5,330 

State and local income taxes ....................... 775 420 30 16 52 153 314 307 467 1,473 

Other taxes .................................................. 222 443 55 31 60 64 115 137 179 372 

Income after taxes ......................................... 72,569 -4,556 7,918 12,711 17,515 24,997 33,645 43,539 57,475 124,186 

See footnotes at end of table.
Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

45-54

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 ........ - $9,161 - $3,125 $714 $2,302 - $6,239 $633 - $8,830 - $2,770 - $13,785 - $13,311 

Net change in total assets ............................ 9,155 -856 5,202 3,524 -1,945 9,351 1,929 5,586 6,376 15,204 

Net change in total liabilities ........................ 18,316 2,269 4,489 1,221 4,294 8,718 10,759 8,356 20,162 28,515 

Other financial information:

Other money receipts ................................... 577 4614 4316 4214 430 302 170 230 621 893 

Mortgage principal paid on owned property -3,011 -733 -350 -494 -1,177 -847 -1,303 -1,508 -2,335 -5,199 

Estimated market value of owned home ...... 208,085 115,003 40,673 40,159 67,442 83,557 95,830 149,175 171,842 334,401 

Estimated monthly rental value of owned

home .......................................................... 992 484 233 270 351 471 576 735 923 1,497 

Gifts of goods and services ............................ 1,834 749 325 355 421 516 746 621 1,187 3,319 

Food ............................................................. 207 428 431 27 415 35 76 61 112 399 

Alcoholic beverages ..................................... 14 41 45 3 ( ) 43 410 42 48 14 21 

Housing ........................................................ 351 213 133 125 121 99 167 128 253 597 

Housekeeping supplies .............................. 37 414 48 416 466 8 25 24 32 53 

Household textiles ...................................... 16 44 44 445 42 47 49 46 26 18 

Appliances and miscellaneous

housewares .............................................. 31 420 411 41 45 415 411 47 22 55 

Major appliances ...................................... 12 46 42 3 ( ) 3 ( ) 411 43 41 44 23 

Small appliances and miscellaneous

housewares ............................................ 19 414 49 41 45 44 48 46 18 32 

Miscellaneous household equipment ......... 75 460 49 414 433 16 81 47 75 107 

Other housing ............................................ 191 4115 101 449 414 53 41 45 98 363 

Apparel and services ................................... 259 187 117 135 68 100 210 198 261 357 

Males, 2 and over ...................................... 62 444 410 47 414 19 44 62 90 74 

Females, 2 and over .................................. 107 453 454 36 428 35 94 71 87 160 

Children under 2 ........................................ 45 462 415 25 412 24 30 40 38 64 

Other apparel products and services ......... 45 427 438 427 414 422 42 425 47 60 

Jewelry and watches ................................ 21 411 45 42 47 413 410 412 21 32 

All other apparel products and services ... 24 416 433 425 46 49 432 413 26 28 

Transportation .............................................. 85 3 ( ) 3 ( ) 48 5 24 74 31 36 158 

Health care ................................................... 45 428 2 ( ) 41 418 413 414 415 41 78 

Entertainment ............................................... 93 421 415 423 418 37 48 57 81 151 

Toys, games, arts and crafts, and tricycles 28 415 411 412 415 16 18 24 39 34 

Other entertainment ................................... 65 46 44 411 43 20 30 33 42 118 

Personal care products and services ........... 20 41 47 43 48 41 16 26 5 33 

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

Education ..................................................... 639 4111 412 432 4135 438 63 49 300 1,343 

All other gifts ................................................ 120 4159 46 41 30 159 74 47 83 180 

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.