Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2008-2009

Item

Total

55-64

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) ....... 20,279 683 799 1,103 1,015 2,179 1,994 1,913 3,205 7,387 

Consumer unit characteristics: 

Income before taxes ..................................... $71,120 - $2,431 $8,043 $12,718 $17,394 $25,147 $34,645 $44,648 $59,191 $136,282 

Income after taxes ........................................ 68,282 -2,107 8,087 12,667 17,184 25,171 34,150 43,409 57,129 129,836 

Age of reference person ................................ 59.2 59.1 59.3 59.5 59.6 59.6 59.7 59.3 59.1 58.9 

Average number in consumer unit:

Persons ........................................................ 2.1 1.4 1.4 1.5 1.7 1.8 1.9 2.1 2.2 2.5 

Children under 18 ........................................ .2 1.1 1.1 1.1 .2 .1 .1 .2 .2 .2 

Persons 65 and older ................................... .1 2 ( ) 1.1 1.1 .1 .1 .1 .1 .1 .1 

Earners ........................................................ 1.3 .3 .3 .4 .6 .9 1.1 1.3 1.5 1.9 

Vehicles ....................................................... 2.2 1.4 1.0 1.3 1.5 1.7 1.9 2.1 2.6 2.8 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 47 35 41 41 40 42 47 51 56 

Female ......................................................... 51 53 65 59 59 60 58 53 49 44 

Housing tenure:

Homeowner .................................................. 81 58 47 54 62 74 77 84 86 94 

With mortgage ............................................ 47 26 19 16 24 32 39 44 55 63 

Without mortgage ....................................... 34 32 29 38 38 42 39 41 31 31 

Renter .......................................................... 19 42 53 46 38 26 23 16 14 6 

Race of reference person:

Black or African-American ........................... 11 21 20 21 16 17 15 10 9 5 

White, Asian, and all other races ................. 89 79 80 79 84 83 85 90 91 95 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 8 12 10 13 12 9 12 8 7 5 

Not Hispanic or Latino .................................. 92 88 90 87 88 91 88 92 93 95 

Education of reference person:

Elementary (1-8) .......................................... 4 6 12 9 10 8 5 4 2 1 

High school (9-12) ........................................ 33 37 53 49 47 47 41 35 32 19 

College ......................................................... 63 56 34 42 43 45 54 60 66 79 

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

At least one vehicle owned or leased ............ 92 69 63 75 82 90 95 95 97 99 

Average annual expenditures .......................... $53,602 $28,606 $18,495 $20,968 $26,699 $29,625 $34,267 $41,871 $51,409 $84,566 

Food ............................................................... 6,330 3,646 3,213 3,535 3,404 3,813 4,625 5,262 6,259 9,250 

Food at home ............................................... 3,694 2,544 2,586 2,507 2,345 2,543 2,869 3,335 3,753 4,920 

Cereals and bakery products ..................... 478 399 304 308 320 333 349 434 484 640 

Cereals and cereal products .................... 152 179 93 89 105 110 115 127 153 201 

Bakery products ....................................... 326 220 211 218 215 223 234 307 331 439 

Meats, poultry, fish, and eggs .................... 847 553 693 679 464 566 735 844 860 1,082 

Beef .......................................................... 242 141 180 197 120 146 236 272 245 305 

Pork .......................................................... 166 94 117 152 94 132 158 155 182 198 

Other meats ............................................. 106 53 74 66 72 73 80 105 117 137 

Poultry ...................................................... 150 144 181 112 74 106 112 138 140 197 

Fish and seafood ..................................... 135 93 109 111 71 79 114 123 125 186 

Eggs ......................................................... 48 30 32 41 33 30 36 52 50 60 

Dairy products ............................................ 402 289 279 291 286 256 293 343 385 557 

Fresh milk and cream .............................. 140 108 113 109 117 95 116 120 140 179 

Other dairy products ................................ 263 181 166 183 170 161 178 223 245 378 

Fruits and vegetables ................................. 673 480 450 402 422 480 519 613 670 905 

Fresh fruits ............................................... 229 145 142 123 153 167 183 195 230 310 

Fresh vegetables ..................................... 227 172 159 131 116 155 174 220 210 316 

Processed fruits ....................................... 108 87 71 71 83 72 80 97 109 143 

Processed vegetables .............................. 109 75 78 77 69 86 83 101 119 137 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

55-64

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 .................................... $1,293 $822 $861 $827 $854 $909 $972 $1,100 $1,354 $1,736 

Sugar and other sweets ........................... 141 108 102 81 92 102 125 112 145 186 

Fats and oils ............................................. 106 72 89 78 65 76 88 88 106 140 

Miscellaneous foods ................................ 650 355 463 429 407 469 459 571 688 872 

Nonalcoholic beverages ........................... 325 247 202 221 252 234 263 289 346 414 

Food prepared by consumer unit on

out-of-town trips ..................................... 71 140 15 119 138 29 38 40 69 123 

Food away from home ................................. 2,636 1,102 627 1,028 1,058 1,270 1,756 1,927 2,505 4,330 

Alcoholic beverages ....................................... 482 202 201 182 127 216 270 281 495 815 

Housing .......................................................... 17,295 11,284 7,715 8,470 10,113 10,918 12,136 13,823 16,965 25,521 

Shelter .......................................................... 9,932 6,955 4,310 4,851 5,785 6,102 6,613 7,628 9,687 14,871 

Owned dwellings ........................................ 7,265 3,987 1,806 2,000 2,848 3,846 4,337 5,797 7,306 11,714 

Mortgage interest and charges ................ 3,480 1,991 805 551 1,156 1,703 2,027 2,622 3,691 5,711 

Property taxes .......................................... 2,259 1,355 631 809 961 1,227 1,431 1,790 2,104 3,629 

Maintenance, repairs, insurance, other

expenses ................................................ 1,527 641 369 641 732 915 880 1,385 1,511 2,374 

Rented dwellings ........................................ 1,588 2,436 2,446 2,629 2,508 1,913 1,968 1,425 1,475 1,028 

Other lodging ............................................. 1,078 532 159 222 429 343 308 406 906 2,129 

Utilities, fuels, and public services ............... 3,934 2,391 2,441 2,415 2,886 3,183 3,341 3,584 4,087 5,015 

Natural gas ................................................. 566 314 325 291 313 411 492 553 588 750 

Electricity .................................................... 1,472 950 1,019 1,012 1,155 1,311 1,339 1,349 1,499 1,785 

Fuel oil and other fuels ............................... 215 1107 1145 169 172 160 154 150 246 296 

Telephone services .................................... 1,164 717 706 745 846 903 944 1,047 1,226 1,500 

Water and other public services ................. 518 304 245 299 400 399 412 484 528 684 

Household operations .................................. 875 427 209 235 297 451 512 623 760 1,501 

Personal services ....................................... 87 17 11 12 110 1107 118 156 176 153 

Other household expenses ........................ 788 420 208 233 287 344 494 567 684 1,348 

Housekeeping supplies ................................ 785 430 352 396 390 457 508 663 757 1,194 

Laundry and cleaning supplies .................. 155 127 112 103 111 114 107 156 136 210 

Other household products .......................... 446 206 183 155 184 177 291 352 421 736 

Postage and stationery .............................. 184 97 57 137 95 166 110 155 200 248 

Household furnishings and equipment ......... 1,770 1,080 402 573 754 726 1,161 1,325 1,675 2,940 

Household textiles ...................................... 156 88 42 45 58 79 121 123 127 260 

Furniture ..................................................... 370 231 49 114 162 142 189 223 407 620 

Floor coverings .......................................... 48 128 118 111 115 121 28 64 38 78 

Major appliances ........................................ 271 181 167 90 152 147 171 209 326 409 

Small appliances, miscellaneous

housewares .............................................. 135 69 37 58 56 48 121 85 109 230 

Miscellaneous household equipment ......... 790 582 189 255 311 288 531 622 669 1,343 

Apparel and services ..................................... 1,606 627 566 389 615 838 1,394 1,047 1,479 2,610 

Men and boys .............................................. 363 199 140 107 103 123 295 275 366 587 

Men, 16 and over ....................................... 327 1187 1125 93 72 112 252 241 340 533 

Boys, 2 to 15 .............................................. 36 113 115 14 31 11 44 33 26 54 

Women and girls .......................................... 668 212 240 98 279 367 681 409 605 1,073 

Women, 16 and over .................................. 605 195 226 86 250 338 609 356 541 980 

Girls, 2 to 15 ............................................... 63 117 115 112 28 29 71 53 64 94 

Children under 2 .......................................... 56 141 118 25 124 27 44 30 49 92 

Footwear ...................................................... 256 140 194 179 1101 192 262 165 252 383 

Other apparel products and services ........... 264 135 74 82 109 130 111 169 206 475 

Transportation ................................................ 8,842 3,844 2,774 2,964 5,261 5,329 5,887 7,971 9,223 13,214 

Vehicle purchases (net outlay) ..................... 2,873 1837 1420 1588 1,638 1,735 1,432 2,817 3,240 4,417 

Cars and trucks, new ................................. 1,598 4 ( ) 1162 1461 1682 1858 1762 1,644 1,396 2,717 

Cars and trucks, used ................................ 1,156 1837 1200 1127 790 809 636 1,139 1,568 1,561 

Other vehicles ............................................ 118 4 ( ) 158 4 ( ) 1166 167 133 134 1276 139 

Gasoline and motor oil ................................. 2,438 1,441 1,127 1,185 1,552 1,716 1,884 2,272 2,563 3,331 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

55-64

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 ............................... $2,946 $1,302 $1,146 $1,035 $1,930 $1,682 $2,356 $2,603 $2,952 $4,326 

Vehicle finance charges ............................. 300 121 134 81 134 228 268 253 361 415 

Maintenance and repairs ........................... 855 507 360 238 505 410 572 729 957 1,276 

Vehicle insurance ....................................... 1,266 1554 1560 1592 11,144 829 1,251 1,264 1,145 1,701 

Vehicle rental, leases, licenses, and other

charges .................................................... 526 120 192 124 146 215 265 358 489 933 

Public transportation .................................... 586 264 81 156 142 196 214 279 469 1,141 

Healthcare ...................................................... 3,860 2,531 1,427 1,891 2,396 2,570 2,737 3,551 4,073 5,413 

Health insurance .......................................... 1,982 1,447 769 1,044 1,300 1,420 1,583 1,863 1,953 2,713 

Medical services .......................................... 1,038 601 321 306 504 472 513 802 1,186 1,646 

Drugs ........................................................... 696 411 316 478 497 601 587 753 740 848 

Medical supplies .......................................... 144 72 122 63 95 77 55 133 193 207 

Entertainment ................................................. 2,970 2,358 1,082 1,020 1,117 1,620 1,979 2,309 3,387 4,429 

Fees and admissions ................................... 636 265 63 103 78 253 234 368 548 1,216 

Audio and visual equipment and services .... 1,067 650 584 577 697 668 814 962 1,158 1,454 

Pets, toys, hobbies, and playground

equipment .................................................. 753 558 348 219 296 634 526 620 904 1,019 

Other entertainment supplies, equipment,

and services ............................................... 513 885 186 121 46 65 404 359 777 740 

Personal care products and services ............. 623 478 209 170 260 366 434 444 569 998 

Reading .......................................................... 152 81 40 52 63 72 82 104 159 250 

Education ....................................................... 936 1469 114 1145 1227 85 206 555 449 2,053 

Tobacco products and smoking supplies ....... 383 296 337 441 497 377 408 341 417 362 

Miscellaneous ................................................ 1,130 980 178 678 714 641 540 836 1,101 1,759 

Cash contributions ......................................... 2,127 624 359 484 936 797 1,004 1,551 1,541 3,964 

Personal insurance and pensions .................. 6,867 1,185 381 545 970 1,983 2,566 3,795 5,291 13,928 

Life and other personal insurance ................ 482 176 105 149 129 217 244 310 445 852 

Pensions and Social Security ...................... 6,385 1,009 277 396 841 1,765 2,323 3,485 4,847 13,075 

Sources of income and personal taxes: 

Money income before taxes ........................... 71,120 -2,431 8,043 12,718 17,394 25,147 34,645 44,648 59,191 136,282 

Wages and salaries ..................................... 53,978 3,548 2,029 3,822 7,376 13,956 22,717 31,744 44,700 108,178 

Self-employment income ............................. 4,985 1-8,344 1-379 1159 415 754 1,399 1,636 2,325 12,384 

Social Security, private and government

retirement ................................................... 8,538 976 3,334 6,342 7,567 8,378 8,815 8,806 9,934 9,559 

Interest, dividends, rental income, other

property income ......................................... 2,225 577 139 212 345 527 584 1,060 1,071 4,908 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 512 183 1369 1260 1318 600 511 553 578 566 

Public assistance, supplemental security

income, food stamps .................................. 491 415 2,178 1,418 934 682 384 365 354 180 

Regular contributions for support ................. 243 147 158 1240 1216 188 177 1357 1126 396 

Other income ............................................... 148 1268 1316 1264 1223 1163 1158 1126 102 110 

Personal taxes ............................................... 2,838 -324 -44 51 210 -24 495 1,239 2,062 6,446 

Federal income taxes ................................... 2,274 -224 10 71 118 84 468 1,053 1,720 5,064 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -372 1-195 1-156 1-111 1-193 -336 -323 -354 -488 -454 

State and local income taxes ....................... 662 3 ( ) 18 20 198 65 191 322 573 1,382 

Other taxes .................................................. 274 195 84 71 86 163 159 219 257 454 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

55-64

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

Income after taxes ......................................... 68,282 -2,107 8,087 12,667 17,184 25,171 34,150 43,409 57,129 129,836 

Addenda:

Net change in total assets and liabilities ........ - $2,977 $6,050 - $4,215 - $1,148 - $7,982 - $3,855 - $3,233 - $3,731 - $7,413 - $813 

Net change in total assets ............................ 4,459 6,126 1,267 407 -1,173 3,795 1,739 -619 42 10,192 

Net change in total liabilities ........................ 7,436 75 5,482 1,555 6,808 7,650 4,972 3,113 7,455 11,005 

Other financial information:

Other money receipts ................................... 1,019 1199 135 470 1533 252 1440 1,191 968 1,711 

Mortgage principal paid on owned property -2,910 -1,739 -589 -511 -1,065 -1,195 -1,243 -1,817 -2,949 -5,103 

Estimated market value of owned home ...... 214,792 138,004 68,604 86,763 93,450 123,030 129,633 174,193 203,369 339,021 

Estimated monthly rental value of owned

home .......................................................... 1,079 689 427 466 547 699 792 942 1,037 1,592 

Gifts of goods and services ............................ 1,665 771 371 645 743 518 901 992 1,165 3,102 

Food ............................................................. 162 118 58 185 63 65 98 82 96 290 

Alcoholic beverages ..................................... 15 17 128 113 118 11 112 14 7 26 

Housing ........................................................ 309 1126 106 114 195 135 173 179 212 559 

Housekeeping supplies .............................. 46 17 133 130 127 147 26 58 39 61 

Household textiles ...................................... 12 126 4 ( ) 3 ( ) 117 14 115 13 112 18 

Appliances and miscellaneous

housewares .............................................. 26 13 11 13 14 123 116 110 20 47 

Major appliances ...................................... 10 4 ( ) 4 ( ) 11 11 110 18 16 14 18 

Small appliances and miscellaneous

housewares ............................................ 16 13 11 12 12 113 18 14 16 29 

Miscellaneous household equipment ......... 63 159 119 118 134 127 30 116 47 118 

Other housing ............................................ 162 130 153 162 1112 134 85 92 94 314 

Apparel and services ................................... 260 76 55 57 137 124 291 172 252 404 

Males, 2 and over ...................................... 61 113 117 116 37 16 89 57 54 89 

Females, 2 and over .................................. 96 115 112 116 54 70 99 56 108 139 

Children under 2 ........................................ 51 141 118 22 23 22 39 30 42 85 

Other apparel products and services ......... 54 17 18 14 123 116 165 129 47 91 

Jewelry and watches ................................ 17 11 11 12 17 12 111 110 118 32 

All other apparel products and services ... 36 16 17 12 116 113 154 119 29 59 

Transportation .............................................. 114 7 5 20 22 62 77 45 89 218 

Healthcare .................................................... 35 118 127 12 113 112 110 115 125 69 

Entertainment ............................................... 156 1225 163 181 173 142 121 83 189 231 

Toys, games, arts and crafts, and tricycles 46 168 121 120 18 124 142 135 65 58 

Other entertainment ................................... 110 1157 142 61 165 18 78 48 124 173 

Personal care products and services ........... 12 11 117 4 ( ) 14 18 19 115 19 13 

Reading ........................................................ 1 4 ( ) 3 ( ) 11 11 11 11 11 1 2 

Education ..................................................... 478 1283 14 182 1192 128 78 330 163 1,062 

All other gifts ................................................ 122 110 17 91 125 41 33 66 112 229 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, October, 2010