Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2009-2010

Item

Total

four

persons

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) ....... 16,476 618 3,794 5,833 4,361 1,344 526 

Consumer unit characteristics: 

Income before taxes ..................................... $86,650 $44,221 $61,242 $94,549 $103,135 $98,224 $65,884 

Income after taxes ........................................ 84,355 44,033 61,245 91,945 98,892 95,435 65,373 

Age of reference person ................................ 41.8 21.6 30.2 39.5 48.9 58.6 72.8 

Average number in consumer unit:

Persons ........................................................ 4.0 4.0 4.0 4.0 4.0 4.0 4.0 

Children under 18 ........................................ 1.6 1.4 2.0 1.8 1.3 .6 .6 

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

Earners ........................................................ 1.9 1.9 1.6 1.8 2.1 2.2 1.5 

Vehicles ....................................................... 2.4 1.6 2.0 2.4 2.8 2.9 2.3 

Percent distribution:

Sex of reference person:

Male ............................................................. 47 38 36 48 53 61 42 

Female ......................................................... 53 62 64 52 47 39 58 

Housing tenure:

Homeowner .................................................. 73 30 57 77 83 87 78 

With mortgage ............................................ 60 17 49 68 67 64 44 

Without mortgage ....................................... 13 12 8 9 16 23 34 

Renter .......................................................... 27 70 43 23 17 13 22 

Race of reference person:

Black or African-American ........................... 13 18 15 11 9 11 31 

White, Asian, and all other races ................. 87 82 85 89 91 89 69 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 17 34 23 15 14 17 18 

Not Hispanic or Latino .................................. 83 66 77 85 86 83 82 

Education of reference person:

Elementary (1-8) .......................................... 4 4 4 4 3 8 13 

High school (9-12) ........................................ 34 60 37 29 32 35 56 

College ......................................................... 62 36 60 67 65 57 32 

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

At least one vehicle owned or leased ............ 94 76 92 95 96 94 88 

Average annual expenditures .......................... $64,395 $46,813 $50,494 $66,899 $76,604 $67,438 $49,737 

Food ............................................................... 8,754 7,337 6,899 9,406 10,027 8,640 6,972 

Food at home ............................................... 5,202 4,657 4,335 5,285 5,982 5,216 4,884 

Cereals and bakery products ..................... 736 609 591 790 830 718 690 

Cereals and cereal products .................... 256 217 232 272 271 237 251 

Bakery products ....................................... 480 392 359 518 559 481 440 

Meats, poultry, fish, and eggs .................... 1,139 1,146 898 1,118 1,334 1,184 1,373 

Beef .......................................................... 300 379 215 288 356 343 359 

Pork .......................................................... 222 252 178 218 247 240 302 

Other meats ............................................. 168 117 146 175 193 150 169 

Poultry ...................................................... 218 214 183 220 248 212 230 

Fish and seafood ..................................... 171 131 126 155 226 179 240 

Eggs ......................................................... 59 54 49 62 64 61 74 

Dairy products ............................................ 565 407 471 593 665 524 450 

Fresh milk and cream .............................. 211 159 189 229 232 180 166 

Other dairy products ................................ 354 248 282 364 433 344 284 

Fruits and vegetables ................................. 911 835 768 901 1,059 945 867 

Fresh fruits ............................................... 312 264 263 317 366 302 270 

Fresh vegetables ..................................... 275 264 224 269 330 289 249 

Processed fruits ....................................... 161 155 146 158 176 170 173 

Processed vegetables .............................. 163 152 136 157 188 184 176 

See footnotes at end of table.
Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2009-2010 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other food at home .................................... $1,851 $1,660 $1,608 $1,885 $2,094 $1,845 $1,504 

Sugar and other sweets ........................... 193 135 153 204 227 198 168 

Fats and oils ............................................. 141 129 115 142 158 160 147 

Miscellaneous foods ................................ 1,004 896 938 1,011 1,111 962 765 

Nonalcoholic beverages ........................... 455 483 368 454 531 461 398 

Food prepared by consumer unit on

out-of-town trips ..................................... 59 418 34 75 67 65 426 

Food away from home ................................. 3,552 2,681 2,564 4,121 4,045 3,424 2,088 

Alcoholic beverages ....................................... 464 442 356 576 467 400 220 

Housing .......................................................... 21,938 15,603 18,622 23,810 24,377 20,989 14,868 

Shelter .......................................................... 12,789 9,495 10,578 14,137 14,390 11,636 7,320 

Owned dwellings ........................................ 9,212 2,418 6,263 10,856 11,084 8,991 5,285 

Mortgage interest and charges ................ 5,747 1,424 4,385 6,985 6,471 5,147 2,450 

Property taxes .......................................... 2,427 776 1,322 2,692 3,225 2,883 1,631 

Maintenance, repairs, insurance, other

expenses ................................................ 1,038 4219 556 1,179 1,388 961 1,205 

Rented dwellings ........................................ 2,820 6,782 3,948 2,480 2,230 1,588 1,827 

Other lodging ............................................. 757 4295 367 801 1,077 1,056 4209 

Utilities, fuels, and public services ............... 4,664 3,231 3,813 4,802 5,229 5,282 4,708 

Natural gas ................................................. 598 404 444 626 702 679 549 

Electricity .................................................... 1,767 1,352 1,530 1,837 1,845 2,002 1,951 

Fuel oil and other fuels ............................... 157 49 88 154 204 227 4285 

Telephone services .................................... 1,522 1,166 1,249 1,537 1,776 1,642 1,330 

Water and other public services ................. 620 301 502 646 702 731 593 

Household operations .................................. 1,777 736 2,107 2,130 1,494 1,096 784 

Personal services ....................................... 1,039 4434 1,616 1,347 552 4264 4204 

Other household expenses ........................ 737 301 491 783 943 832 580 

Housekeeping supplies ................................ 816 679 611 838 1,003 852 610 

Laundry and cleaning supplies .................. 210 217 177 212 235 237 141 

Other household products .......................... 438 377 331 447 542 459 301 

Postage and stationery .............................. 167 85 104 178 226 156 168 

Household furnishings and equipment ......... 1,892 1,462 1,513 1,904 2,259 2,124 1,446 

Household textiles ...................................... 125 67 110 113 165 138 91 

Furniture ..................................................... 425 330 501 418 441 329 190 

Floor coverings .......................................... 29 414 21 28 38 442 42 

Major appliances ........................................ 261 114 210 281 287 347 148 

Small appliances, miscellaneous

housewares .............................................. 121 62 92 107 165 171 89 

Miscellaneous household equipment ......... 930 875 579 956 1,162 1,097 925 

Apparel and services ..................................... 2,543 3,362 2,012 2,643 2,832 2,464 1,813 

Men and boys .............................................. 571 410 406 624 660 631 536 

Men, 16 and over ....................................... 375 309 213 367 479 541 471 

Boys, 2 to 15 .............................................. 196 101 193 258 181 90 65 

Women and girls .......................................... 1,037 1,873 732 1,017 1,272 851 687 

Women, 16 and over .................................. 776 1,706 502 689 1,000 719 579 

Girls, 2 to 15 ............................................... 261 167 230 328 272 132 108 

Children under 2 .......................................... 177 379 353 142 65 118 441 

Footwear ...................................................... 456 485 350 473 501 558 4397 

Other apparel products and services ........... 302 215 172 388 334 305 152 

Transportation ................................................ 10,308 7,678 8,919 10,015 12,341 10,762 8,715 

Vehicle purchases (net outlay) ..................... 3,633 3,142 3,681 3,185 4,197 3,840 3,635 

Cars and trucks, new ................................. 1,516 4744 1,148 1,309 1,981 1,969 42,374 

Cars and trucks, used ................................ 2,043 2,364 2,507 1,764 2,152 1,865 960 

Other vehicles ............................................ 74 433 427 113 463 46 4300 

Gasoline and motor oil ................................. 2,843 2,127 2,530 2,873 3,173 3,019 2,442 

See footnotes at end of table.
Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2009-2010 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other vehicle expenses ............................... $3,226 $2,033 $2,406 $3,256 $4,201 $3,229 $2,209 

Vehicle finance charges ............................. 397 312 409 441 373 373 168 

Maintenance and repairs ........................... 926 711 711 920 1,103 1,125 785 

Vehicle insurance ....................................... 1,349 4716 903 1,291 2,020 41,163 4975 

Vehicle rental, leases, licenses, and other

charges .................................................... 555 294 383 604 705 568 280 

Public transportation .................................... 605 377 302 702 771 674 430 

Healthcare ...................................................... 3,293 1,223 2,200 3,158 4,094 4,720 4,881 

Health insurance .......................................... 1,849 623 1,318 1,832 2,275 2,184 2,913 

Medical services .......................................... 887 343 602 828 1,090 1,569 817 

Drugs ........................................................... 433 212 222 377 548 809 968 

Medical supplies .......................................... 124 445 57 122 180 158 182 

Entertainment ................................................. 3,590 1,538 2,712 4,017 4,273 3,632 2,199 

Fees and admissions ................................... 1,058 360 511 1,315 1,480 768 314 

Audio and visual equipment and services .... 1,207 810 1,078 1,302 1,265 1,291 885 

Pets, toys, hobbies, and playground

equipment .................................................. 788 311 615 868 894 836 860 

Other entertainment supplies, equipment,

and services ............................................... 538 58 509 532 634 737 4140 

Personal care products and services ............. 774 605 562 826 902 869 669 

Reading .......................................................... 99 46 55 98 138 123 115 

Education ....................................................... 1,869 3,468 515 1,213 3,702 2,319 695 

Tobacco products and smoking supplies ....... 418 386 412 355 432 540 765 

Miscellaneous ................................................ 1,038 287 949 925 1,132 1,308 2,368 

Cash contributions ......................................... 1,603 805 959 1,489 2,187 2,426 1,492 

Personal insurance and pensions .................. 7,706 4,033 5,321 8,367 9,700 8,245 3,964 

Life and other personal insurance ................ 386 476 179 388 576 516 336 

Pensions and Social Security ...................... 7,319 3,956 5,143 7,979 9,125 7,729 3,628 

Sources of income and personal taxes: 

Money income before taxes ........................... 86,650 44,221 61,242 94,549 103,135 98,224 65,884 

Wages and salaries ..................................... 76,820 40,419 56,363 84,760 94,015 75,534 39,766 

Self-employment income ............................. 4,331 41,020 2,344 4,230 4,871 11,028 42,099 

Social Security, private and government

retirement ................................................... 2,288 4274 520 746 2,018 8,457 21,004 

Interest, dividends, rental income, other

property income ......................................... 1,341 418 176 2,903 634 865 1,058 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 641 4106 413 570 889 1,022 4659 

Public assistance, supplemental security

income, food stamps .................................. 560 1,417 721 474 342 727 738 

Regular contributions for support ................. 500 4726 519 744 220 4283 4284 

Other income ............................................... 168 4241 186 122 146 4308 4276 

Personal taxes ............................................... 2,295 187 -3 2,605 4,243 2,789 511 

Federal income taxes ................................... 1,375 -158 -444 1,623 2,885 1,641 339 

2008 Tax stimulus (thru Q20091) ................ 2 ( ) 3 ( ) 3 ( ) 3 ( ) 4-1 3 ( ) 3 ( )

State and local income taxes ....................... 734 319 355 825 1,074 736 105 

Other taxes .................................................. 188 426 86 157 285 412 67 

See footnotes at end of table.
Table 3640. Consumer units of four persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2009-2010 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Income after taxes ......................................... 84,355 44,033 61,245 91,945 98,892 95,435 65,373 

Addenda:

Net change in total assets and liabilities ........ - $11,167 $11,567 - $16,185 - $15,202 - $9,685 - $1,239 $5,436 

Net change in total assets ............................ 7,448 2,811 13,041 4,509 4,153 18,644 3,829 

Net change in total liabilities ........................ 18,615 -8,756 29,226 19,711 13,839 19,882 -1,608 

Other financial information:

Other money receipts ................................... 434 4852 244 222 777 4674 4216 

Mortgage principal paid on owned property -3,305 -686 -1,870 -3,729 -4,507 -3,445 -1,700 

Estimated market value of owned home ...... 197,245 73,661 110,970 212,935 251,280 259,862 182,652 

Estimated monthly rental value of owned

home .......................................................... 1,072 410 695 1,151 1,317 1,328 1,006 

Gifts of goods and services ............................ 1,037 751 582 717 1,732 1,372 1,581 

Food ............................................................. 86 427 58 69 148 91 447 

Alcoholic beverages ..................................... 11 422 42 17 4 36 44 

Housing ........................................................ 180 233 108 146 255 319 433 

Housekeeping supplies .............................. 23 48 18 25 27 25 410 

Household textiles ...................................... 9 3 ( ) 49 43 17 415 415 

Appliances and miscellaneous

housewares .............................................. 21 43 413 16 41 47 43 

Major appliances ...................................... 5 3 ( ) 42 4 12 3 ( ) 41 

Small appliances and miscellaneous

housewares ............................................ 16 43 411 13 30 47 42 

Miscellaneous household equipment ......... 30 420 15 32 47 427 3 ( )

Other housing ............................................ 97 201 53 70 122 245 46 

Apparel and services ................................... 242 256 215 204 306 309 126 

Males, 2 and over ...................................... 55 411 53 70 45 68 425 

Females, 2 and over .................................. 84 440 43 45 179 79 471 

Children under 2 ........................................ 67 4115 105 53 51 60 419 

Other apparel products and services ......... 36 490 414 35 32 4101 411 

Jewelry and watches ................................ 6 426 41 43 10 411 410 

All other apparel products and services ... 30 464 414 32 422 490 41 

Transportation .............................................. 63 187 16 48 89 95 135 

Health care ................................................... 20 2 ( ) 48 420 412 499 3 ( )

Entertainment ............................................... 87 47 119 60 105 114 431 

Toys, games, arts and crafts, and tricycles 42 44 63 35 450 417 414 

Other entertainment ................................... 45 43 56 25 55 97 416 

Personal care products and services ........... 11 410 8 13 15 47 3 ( )

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

Education ..................................................... 244 3 ( ) 431 87 704 159 4201 

All other gifts ................................................ 92 47 16 54 93 144 41,003 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2011