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

2020-2021

Item 

Total 

two 

people 

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)1................................................... 43,638 1,821 5,985 4,092 5,750 10,313 15,676 10,028 5,647 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $90,825 $56,092 $97,885 $106,414 $110,987 $109,117 $68,666 $75,062 $57,308 

 Income after taxes ...................................................................................... 80,597 53,460 86,038 91,949 94,312 93,225 65,370 70,431 56,381 

 Age of reference person ............................................................................. 55.8 22.4 29.5 39.4 50.1 59.9 73.3 69.2 80.5 

 Average number in consumer unit: 

 People ..................................................................................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 

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

 Adults 65 and older ................................................................................. .7 ( 2 ) ( 2 ) ( 2 ) ( 2 ) .2 1.7 1.7 1.8 

 Earners .................................................................................................... 1.2 1.7 1.7 1.5 1.6 1.3 .5 .7 .3 

 Vehicles ................................................................................................... 2.1 1.7 1.8 1.8 2.0 2.4 2.2 2.4 1.9 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 50 50 53 51 42 46 55 52 59 

 Women .................................................................................................... 50 50 47 49 58 54 45 48 41 

 Housing tenure: 

 Homeowner ............................................................................................. 74 20 45 59 73 83 89 88 90 

 With mortgage ...................................................................................... 38 13 37 47 50 44 29 35 18 

 Without mortgage ................................................................................. 36 6 8 12 23 38 60 53 72 

 Renter ...................................................................................................... 26 80 55 41 27 17 11 12 10 

 Race of reference person: 

 Black or African-American ....................................................................... 10 9 12 16 15 10 7 8 7 

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

 African-American.................................................................................. 90 91 88 84 85 90 93 92 93 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino.................................................................................... 11 18 15 15 15 10 7 8 4 

 Not Hispanic or Latino ............................................................................. 89 82 85 85 85 90 93 92 96 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 27 30 21 22 27 28 29 26 35 

 College .................................................................................................... 71 68 79 76 71 70 68 72 61 

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

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

Average annual expenditures ........................................................................ $66,361 $49,175 $64,262 $67,595 $70,372 $74,711 $61,822 $65,852 $54,696 

 Food ............................................................................................................ 7,714 5,326 7,892 8,172 7,738 8,289 7,375 7,702 6,801 

 Food at home .......................................................................................... 4,969 2,913 4,323 4,824 4,779 5,579 5,163 5,340 4,854 

 Cereals and bakery products ............................................................... 625 330 538 640 606 658 676 682 665 

 Cereals and cereal products ............................................................. 195 110 188 197 201 198 203 202 204 

 Bakery products ................................................................................ 430 221 350 442 404 460 473 480 460 

 Meats, poultry, fish, and eggs .............................................................. 1,071 805 897 1,000 1,025 1,262 1,086 1,136 998 

 Beef ................................................................................................... 290 233 250 266 297 340 285 285 283 

 Pork ................................................................................................... 217 176 144 194 214 245 243 258 217 

 Other meats ...................................................................................... 140 128 109 139 116 171 142 150 128 

 Poultry ............................................................................................... 186 130 187 168 193 228 167 180 143 

 Fish and seafood .............................................................................. 176 106 149 166 150 211 183 196 159 

 Eggs .................................................................................................. 63 32 59 67 55 67 66 66 67 

 Dairy products ...................................................................................... 470 220 375 437 450 509 528 543 501 

 Fresh milk and cream ....................................................................... 141 78 113 132 130 153 156 165 142 

 Other dairy products ......................................................................... 330 142 262 305 320 356 371 379 359 

 Fruits and vegetables ........................................................................... 980 557 810 942 880 1,098 1,065 1,074 1,048 

 Fresh fruits ........................................................................................ 343 164 272 323 287 380 392 402 376 

 Fresh vegetables .............................................................................. 325 183 279 306 304 376 339 348 325 

 Processed fruits ................................................................................ 124 95 92 128 107 140 137 126 155 

 Processed vegetables ...................................................................... 187 115 167 186 182 201 196 199 193 

 Other food at home .............................................................................. 1,822 1,000 1,703 1,805 1,819 2,054 1,809 1,904 1,643 

 Sugar and other sweets .................................................................... 166 88 134 141 157 174 191 186 199 

 Fats and oils ...................................................................................... 132 91 106 136 134 139 141 142 140 

 Miscellaneous foods ......................................................................... 983 486 1,029 994 938 1,130 930 964 871 

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

2020-2021 — Continued 

Item 

Total 

two 

people 

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 

 Nonalcoholic beverages ................................................................... 474 297 386 474 525 532 475 520 396 

 Food prepared by consumer unit on out of town trips ...................... 67 39 49 60 65 78 72 92 37 

 Food away from home ............................................................................ 2,745 2,413 3,569 3,348 2,958 2,709 2,211 2,362 1,946 

 Alcoholic beverages ................................................................................... 651 295 731 783 618 772 553 642 396 

 Housing....................................................................................................... 22,241 18,412 22,716 23,042 22,990 23,795 21,014 22,302 18,743 

 Shelter ..................................................................................................... 12,850 12,347 15,015 14,317 13,424 13,448 11,095 11,771 9,894 

 Owned dwellings .................................................................................. 7,993 1,543 6,066 7,659 8,505 9,447 8,421 8,935 7,506 

 Mortgage interest and charges ......................................................... 2,636 588 3,016 3,538 3,599 3,317 1,693 2,115 944 

 Property taxes ................................................................................... 2,690 463 1,529 1,951 2,578 3,375 3,174 3,207 3,116 

 Maintenance, repairs, insurance, and other expenses .................... 2,667 492 1,522 2,170 2,329 2,755 3,553 3,613 3,446 

 Rented dwellings .................................................................................. 3,788 10,332 8,399 6,027 3,736 2,412 1,607 1,673 1,490 

 Other lodging ........................................................................................ 1,069 472 550 631 1,183 1,589 1,067 1,163 897 

 Utilities, fuels, and public services .......................................................... 4,302 2,692 3,368 4,044 4,582 4,780 4,495 4,557 4,386 

 Natural gas ........................................................................................... 447 226 303 406 417 508 510 477 570 

 Electricity .............................................................................................. 1,577 1,118 1,237 1,463 1,654 1,723 1,664 1,685 1,628 

 Fuel oil and other fuels ......................................................................... 130 417 49 60 107 160 180 171 194 

 Telephone services .............................................................................. 1,436 971 1,273 1,471 1,660 1,608 1,347 1,431 1,198 

 Residential phone service, VOIP, and phone cards ......................... 215 415 53 111 152 223 344 311 403 

 Cellular phone service ...................................................................... 1,221 957 1,220 1,359 1,508 1,385 1,003 1,120 796 

 Water and other public services .......................................................... 712 360 506 644 744 780 794 793 795 

 Household operations ............................................................................. 1,395 636 1,024 1,351 1,319 1,545 1,565 1,504 1,675 

 Personal services ................................................................................. 93 4

-27 108 214 4110 428 106 465 4181 

 Other household expenses .................................................................. 1,302 663 916 1,137 1,209 1,517 1,459 1,439 1,495 

 Housekeeping supplies ........................................................................... 864 405 610 548 887 1,013 996 1,065 874 

 Laundry and cleaning supplies ............................................................ 170 104 128 120 217 194 177 185 162 

 Other household products.................................................................... 542 235 356 308 531 642 654 721 537 

 Postage and stationery ........................................................................ 151 466 127 121 139 177 165 159 176 

 Household furnishings and equipment.................................................... 2,830 2,332 2,699 2,781 2,778 3,007 2,863 3,405 1,914 

 Household textiles ................................................................................ 128 62 88 108 136 178 122 141 88 

 Furniture ............................................................................................... 675 659 783 707 794 780 514 550 450 

 Floor coverings ..................................................................................... 37 12 40 33 40 42 35 27 50 

 Major appliances .................................................................................. 450 319 392 374 431 550 449 466 419 

 Small appliances and miscellaneous housewares .............................. 143 84 144 102 142 173 141 152 121 

 Miscellaneous household equipment................................................... 1,397 1,196 1,253 1,457 1,234 1,284 1,603 2,069 786 

 Apparel and services .................................................................................. 1,368 1,683 1,633 1,884 1,710 1,311 1,010 1,132 796 

 Men and boys .......................................................................................... 311 386 360 384 479 297 213 256 137 

 Men, 16 and over ................................................................................. 281 334 345 307 448 260 195 230 133 

 Boys, 2 to 15 ........................................................................................ 30 452 415 77 31 37 18 26 44 

 Women and girls ..................................................................................... 534 470 612 833 656 511 400 433 343 

 Women, 16 and over ............................................................................ 492 364 571 748 612 474 371 395 329 

 Girls, 2 to 15 ......................................................................................... 43 4106 41 85 44 37 29 38 414 

 Children under 2 ...................................................................................... 39 459 460 47 438 50 29 33 423 

 Footwear.................................................................................................. 269 670 306 420 296 242 183 217 125 

 Other apparel products and services ...................................................... 215 99 294 241 240 211 184 194 168 

 Transportation ............................................................................................ 10,390 11,513 10,830 10,427 12,114 11,433 8,763 9,968 6,622 

 Vehicle purchases (net outlay) ................................................................ 4,602 6,220 4,753 4,287 5,726 5,125 3,683 4,402 2,406 

 Cars and trucks, new ........................................................................... 2,354 42,438 2,128 1,955 2,754 2,973 1,981 2,415 1,211 

 Cars and trucks, used .......................................................................... 2,171 3,643 2,536 2,218 2,859 2,030 1,687 1,964 1,194 

 Other vehicles ...................................................................................... 77 4139 488 4114 4113 4122 415 423 ( 3 ) 

 Gasoline, other fuels, and motor oil ........................................................ 1,808 1,911 1,886 1,826 2,075 2,020 1,523 1,732 1,153 

 Other vehicle expenses ........................................................................... 3,617 3,114 3,648 3,957 3,927 3,918 3,264 3,480 2,880 

 Vehicle finance charges ....................................................................... 267 276 334 290 307 350 164 205 91 

 Maintenance and repairs ..................................................................... 988 703 888 1,245 991 1,121 903 1,008 716 

 Vehicle rental, leases, licenses, and other charges ............................ 821 667 864 863 910 752 825 822 829 

 Vehicle insurance ................................................................................. 1,542 1,467 1,562 1,560 1,718 1,695 1,373 1,445 1,244 

 Public and other transportation ............................................................... 363 268 543 357 386 371 293 355 183 

 Healthcare .................................................................................................. 6,392 1,359 3,433 4,628 5,136 6,941 8,667 8,436 9,076 

 Health insurance ..................................................................................... 4,512 852 2,427 2,965 3,487 4,755 6,354 6,116 6,777 

 Medical services ...................................................................................... 1,054 298 648 1,152 1,028 1,315 1,108 1,147 1,040 

 Drugs ....................................................................................................... 616 135 256 380 474 682 883 842 956 

 Medical supplies ...................................................................................... 209 74 103 131 148 190 321 332 303 

 Entertainment ............................................................................................. 3,588 2,132 3,196 3,845 3,210 4,070 3,649 4,218 2,642 

 Fees and admissions .............................................................................. 496 359 498 505 451 480 534 529 541 

 Audio and visual equipment and services .............................................. 1,161 723 895 1,247 1,115 1,296 1,218 1,242 1,175 

 Pets, toys, hobbies, and playground equipment ..................................... 1,014 738 1,135 1,269 861 1,037 968 1,160 632 

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

2020-2021 — Continued 

Item 

Total 

two 

people 

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 

 Pets ...................................................................................................... 842 631 901 1,077 689 866 821 966 567 

 Toys, hobbies, and playground equipment .......................................... 172 4107 234 192 172 170 147 194 65 

 Other entertainment supplies, equipment, and services ........................ 917 313 669 823 784 1,258 930 1,288 294 

 Personal care products and services ......................................................... 757 538 788 718 840 812 710 712 707 

 Reading ...................................................................................................... 141 75 113 114 113 153 169 159 187 

 Education .................................................................................................... 947 1,621 1,472 663 1,555 1,079 431 285 689 

 Tobacco products and smoking supplies ................................................... 350 205 288 474 531 460 218 265 136 

 Miscellaneous ............................................................................................. 1,003 395 785 979 1,169 1,017 1,091 1,140 1,004 

 Cash contributions ...................................................................................... 3,146 524 726 1,266 2,280 4,193 4,495 4,201 5,016 

 Personal insurance and pensions .............................................................. 7,674 5,096 9,660 10,601 10,367 10,387 3,677 4,688 1,883 

 Life and other personal insurance ........................................................... 543 132 182 263 450 808 661 753 497 

 Pensions and Social Security ................................................................. 7,131 4,964 9,479 10,338 9,917 9,579 3,016 3,934 1,386 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $90,825 $56,092 $97,885 $106,414 $110,987 $109,117 $68,666 $75,062 $57,308 

 Wages and salaries ................................................................................. 64,136 51,722 92,278 93,492 95,252 84,414 22,416 29,280 10,227 

 Self-employment income ......................................................................... 6,032 2,486 2,869 7,749 6,917 9,430 4,643 6,013 2,211 

 Social Security, private and government retirement ............................... 15,739 4388 404 1,360 4,396 9,257 35,557 34,015 38,294 

 Interest, dividends, rental income, and other property income ............... 3,205 145 587 1,438 2,205 4,240 4,707 4,527 5,028 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 369 271 207 490 587 511 237 253 209 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,115 4434 1,256 1,596 1,326 1,113 939 842 1,112 

 Other income ........................................................................................... 229 647 283 289 304 152 166 132 4227 

 Personal taxes (contains some imputed values) ....................................... 10,228 2,632 11,846 14,465 16,675 15,892 3,296 4,631 927 

 Federal income taxes .............................................................................. 9,792 3,768 10,667 13,151 15,034 14,103 4,521 5,614 2,579 

 Stimulus payment (new UCC Q20202)# ................................................. -2,139 -2,201 -2,196 -2,131 -1,865 -1,967 -2,325 -2,380 -2,229 

 State and local income taxes .................................................................. 2,497 1,056 3,309 3,388 3,455 3,614 1,037 1,321 533 

 Other taxes .............................................................................................. 78 49 66 458 51 142 64 75 43 

 Income after taxes ...................................................................................... 80,597 53,460 86,038 91,949 94,312 93,225 65,370 70,431 56,381 

Addenda: 

 Net change in total assets and liabilities .................................................... $17,407 -$530 -$2,934 $12,054 -$1,366 $37,048 $22,619 $25,995 $16,625 

 Net change in total assets ....................................................................... 38,288 16,380 37,823 48,137 26,640 59,071 29,039 34,597 19,170 

 Net change in total liabilities.................................................................... 20,881 16,910 40,758 36,083 28,006 22,023 6,420 8,603 2,545 

 Other financial information: 

 Other money receipts .............................................................................. 918 4681 307 338 632 2,037 698 693 706 

 Mortgage principal paid on owned property ............................................ -2,592 -409 -1,816 -2,594 -3,283 -3,748 -2,127 -2,711 -1,091 

 Estimated market value of owned home ................................................. 273,443 53,543 136,864 184,922 251,123 330,929 344,615 345,596 342,874 

 Estimated monthly rental value of owned home ..................................... 1,376 285 788 1,036 1,328 1,587 1,694 1,689 1,702 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 No data reported. 

4

 Data are likely to have large sampling errors. 

# 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, 2022