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

and characteristics, Consumer Expenditure Survey, 2004-2005

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) ....... 16,136 677 3,828 6,288 3,930 922 492 

Consumer unit characteristics: 

Income before taxes ..................................... $76,485 $41,257 $58,696 $81,367 $90,743 $87,845 $65,783 

Income after taxes ........................................ 73,902 41,582 57,462 78,402 86,929 84,934 64,022 

Age of reference person ................................ 41.0 21.9 30.4 39.6 48.7 58.5 72.7 

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 1.6 2.0 1.8 1.3 .8 .8 

Persons 65 and over .................................... .1 1 ( ) 1 ( ) 1 ( ) 1 ( ) .1 1.4 

Earners ........................................................ 1.9 1.9 1.6 1.9 2.3 2.3 1.6 

Vehicles ....................................................... 2.5 1.8 2.1 2.4 3.0 2.9 2.3 

Percent distribution:

Sex of reference person:

Male ............................................................. 47 38 38 48 54 63 48 

Female ......................................................... 53 62 62 52 46 37 52 

Housing tenure:

Homeowner .................................................. 76 37 63 79 87 84 88 

With mortgage ............................................ 65 25 56 70 73 64 48 

Without mortgage ....................................... 11 12 7 9 14 20 40 

Renter .......................................................... 24 63 37 21 13 16 12 

Race of reference person:

Black or African-American ........................... 13 14 13 12 11 18 24 

White, Asian, and all other races ................. 87 86 87 88 89 82 76 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 16 32 22 13 12 16 15 

Not Hispanic or Latino .................................. 84 68 78 87 88 84 85 

Education of reference person:

Elementary (1-8) .......................................... 4 6 4 3 4 6 28 

High school (9-12) ........................................ 34 61 38 33 28 36 33 

College ......................................................... 61 33 58 64 67 58 36 

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

At least one vehicle owned or leased ............ 95 91 94 95 97 94 90 

Average annual expenditures .......................... $60,067 $38,476 $49,053 $63,426 $69,439 $65,745 $48,757 

Food ............................................................... 8,399 6,321 6,678 8,762 9,884 9,016 8,108 

Food at home ............................................... 4,828 3,594 3,858 4,929 5,710 5,336 5,643 

Cereals and bakery products ..................... 669 498 532 701 774 655 911 

Cereals and cereal products .................... 224 192 178 234 250 245 278 

Bakery products ....................................... 446 306 354 468 523 410 633 

Meats, poultry, fish, and eggs .................... 1,195 892 916 1,188 1,458 1,453 1,536 

Beef .......................................................... 368 270 272 369 448 456 542 

Pork .......................................................... 240 152 179 251 282 293 308 

Other meats ............................................. 158 133 131 150 195 177 191 

Poultry ...................................................... 209 173 183 203 249 214 256 

Fish and seafood ..................................... 170 115 113 168 224 249 157 

Eggs ......................................................... 50 49 39 47 61 63 83 

Dairy products ............................................ 552 407 436 568 657 599 623 

Fresh milk and cream .............................. 217 189 182 228 230 237 260 

Other dairy products ................................ 335 218 253 340 428 361 362 

Fruits and vegetables ................................. 763 542 584 789 914 885 834 

Fresh fruits ............................................... 249 182 172 260 316 290 226 

Fresh vegetables ..................................... 238 166 177 244 287 291 302 

Processed fruits ....................................... 155 109 126 165 170 161 190 

Processed vegetables .............................. 122 85 109 120 140 144 115 

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, 2004-2005 — 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 .................................... $1,648 $1,256 $1,390 $1,682 $1,907 $1,744 $1,740 

Sugar and other sweets ........................... 174 115 136 182 203 201 199 

Fats and oils ............................................. 122 92 99 116 147 160 165 

Miscellaneous foods ................................ 859 688 765 872 986 840 796 

Nonalcoholic beverages ........................... 443 343 361 454 510 484 555 

Food prepared by consumer unit on

out-of-town trips ..................................... 50 418 29 58 62 59 425 

Food away from home ................................. 3,572 2,727 2,819 3,833 4,175 3,680 2,465 

Alcoholic beverages ....................................... 444 406 357 495 485 390 342 

Housing .......................................................... 19,282 12,805 17,197 20,813 20,148 20,882 15,005 

Shelter .......................................................... 10,922 7,400 9,595 11,972 11,535 11,104 7,442 

Owned dwellings ........................................ 8,416 2,452 6,522 9,641 9,518 8,865 6,060 

Mortgage interest and charges ................ 5,376 1,605 4,507 6,300 5,858 4,744 2,827 

Property taxes .......................................... 1,929 459 1,221 2,201 2,318 2,499 1,813 

Maintenance, repairs, insurance, other

expenses ................................................ 1,111 388 794 1,139 1,341 1,622 1,420 

Rented dwellings ........................................ 1,988 4,741 2,845 1,830 1,168 1,498 1,010 

Other lodging ............................................. 518 4207 228 501 848 741 373 

Utilities, fuels, and public services ............... 3,907 2,843 3,314 3,995 4,339 4,679 3,976 

Natural gas ................................................. 579 312 497 603 611 776 661 

Electricity .................................................... 1,427 1,068 1,244 1,468 1,552 1,615 1,480 

Fuel oil and other fuels ............................... 143 4110 82 141 203 132 226 

Telephone services .................................... 1,307 1,034 1,124 1,311 1,478 1,630 1,084 

Water and other public services ................. 450 319 366 471 495 526 525 

Household operations .................................. 1,393 913 1,784 1,602 994 757 710 

Personal services ....................................... 858 740 1,373 1,031 333 4160 4301 

Other household expenses ........................ 535 173 412 571 661 597 408 

Housekeeping supplies ................................ 823 350 630 898 967 853 1,012 

Laundry and cleaning supplies .................. 206 149 192 214 217 206 242 

Other household products .......................... 430 128 291 489 529 423 534 

Postage and stationery .............................. 187 74 147 195 221 224 235 

Household furnishings and equipment ......... 2,237 1,300 1,874 2,346 2,313 3,488 1,866 

Household textiles ...................................... 181 46 162 175 255 130 121 

Furniture ..................................................... 579 431 552 705 458 550 405 

Floor coverings .......................................... 61 411 46 68 62 108 469 

Major appliances ........................................ 278 158 208 304 316 273 385 

Small appliances, miscellaneous

housewares .............................................. 114 55 86 107 172 92 110 

Miscellaneous household equipment ......... 1,024 599 820 987 1,049 2,335 775 

Apparel and services ..................................... 2,728 1,963 2,342 2,707 3,277 3,318 1,766 

Men and boys .............................................. 647 436 541 679 806 558 335 

Men, 16 and over ....................................... 417 337 317 385 614 406 246 

Boys, 2 to 15 .............................................. 230 99 224 293 192 152 89 

Women and girls .......................................... 1,110 598 823 1,090 1,459 1,554 867 

Women, 16 and over .................................. 815 507 572 737 1,109 1,395 799 

Girls, 2 to 15 ............................................... 295 91 251 352 350 159 68 

Children under 2 .......................................... 159 279 296 127 71 101 72 

Footwear ...................................................... 512 454 411 498 600 784 4331 

Other apparel products and services ........... 301 196 271 314 341 321 161 

Transportation ................................................ 11,307 8,909 9,636 12,010 12,511 11,814 8,078 

Vehicle purchases (net outlay) ..................... 5,123 4,398 4,518 5,833 5,051 4,775 42,975 

Cars and trucks, new ................................. 2,665 41,134 2,084 3,432 2,444 2,645 41,284 

Cars and trucks, used ................................ 2,358 3,264 2,367 2,240 2,517 2,131 1,691 

Other vehicles ............................................ 100 3 ( ) 467 161 90 3 ( ) 3 ( )

Gasoline and motor oil ................................. 2,523 2,202 2,268 2,491 2,875 2,775 2,087 

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, 2004-2005 — 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 ............................... $3,157 $2,010 $2,570 $3,151 $3,885 $3,671 $2,652 

Vehicle finance charges ............................. 469 294 474 485 476 521 323 

Maintenance and repairs ........................... 825 626 661 804 1,064 810 775 

Vehicle insurance ....................................... 1,283 894 1,016 1,197 1,650 1,700 1,297 

Vehicle rental, leases, licenses, and other

charges .................................................... 580 196 419 665 694 640 257 

Public transportation .................................... 503 298 280 536 700 592 364 

Healthcare ...................................................... 2,721 1,131 1,936 2,705 3,438 3,532 3,982 

Health insurance .......................................... 1,450 494 1,133 1,475 1,703 1,800 2,230 

Medical services .......................................... 735 419 475 731 1,015 907 685 

Drugs ........................................................... 419 182 268 380 560 678 827 

Medical supplies .......................................... 117 437 61 120 160 146 240 

Entertainment ................................................. 3,031 1,315 2,399 3,210 3,892 2,774 1,813 

Fees and admissions ................................... 841 275 419 978 1,200 776 420 

Audio and visual equipment and services .... 1,065 709 943 1,125 1,181 1,047 861 

Pets, toys, hobbies, and playground

equipment .................................................. 519 223 516 536 575 508 354 

Other entertainment supplies, equipment,

and services ............................................... 605 108 520 571 936 442 178 

Personal care products and services ............. 735 428 586 764 902 793 586 

Reading .......................................................... 137 42 77 153 181 156 123 

Education ....................................................... 1,454 854 605 1,223 2,743 1,894 750 

Tobacco products and smoking supplies ....... 353 422 337 317 395 419 392 

Miscellaneous ................................................ 817 432 767 774 929 1,140 813 

Cash contributions ......................................... 1,403 367 863 1,548 1,853 1,517 1,390 

Personal insurance and pensions .................. 7,254 3,081 5,274 7,945 8,801 8,101 5,610 

Life and other personal insurance ................ 506 83 265 548 655 852 606 

Pensions and Social Security ...................... 6,747 2,998 5,009 7,398 8,146 7,250 5,004 

Sources of income and personal taxes: 

Money income before taxes ........................... 76,485 41,257 58,696 81,367 90,743 87,845 65,783 

Wages and salaries ..................................... 68,332 37,173 54,291 74,175 80,775 72,691 38,174 

Self-employment income ............................. 4,468 41,337 2,518 4,583 6,219 6,381 4,896 

Social Security, private and government

retirement ................................................... 1,792 4479 303 749 1,807 6,500 19,588 

Interest, dividends, rental income, other

property income ......................................... 650 4305 248 553 1,003 1,432 1,218 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 288 471 344 288 269 394 4109 

Public assistance, supplemental security

income, food stamps .................................. 335 664 353 259 251 318 1,418 

Regular contributions for support ................. 456 860 374 611 318 492 4343 

Other income ............................................... 164 4368 264 149 101 438 436 

Personal taxes ............................................... 2,583 -325 1,233 2,966 3,814 2,911 1,761 

Federal income taxes ................................... 1,716 -469 583 2,057 2,638 2,034 1,199 

State and local income taxes ....................... 682 137 490 742 922 641 310 

Other taxes .................................................. 186 46 160 166 254 236 252 

Income after taxes ......................................... 73,902 41,582 57,462 78,402 86,929 84,934 64,022 

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, 2004-2005 — Continued

Item

Total

four

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Addenda:

Net change in total assets and liabilities ........ - $18,181 - $10,622 - $14,592 - $22,846 - $15,709 - $18,390 - $16,253 

Net change in total assets ............................ 11,806 9,285 14,502 15,207 8,500 -1,845 2,824 

Net change in total liabilities ........................ 29,988 19,907 29,094 38,053 24,209 16,545 19,077 

Other financial information:

Other money receipts ................................... 418 4144 806 263 409 4298 447 

Mortgage principal paid on owned property -3,112 -444 -2,063 -3,308 -4,315 -3,009 -3,011 

Estimated market value of owned home ...... 192,466 50,882 120,459 211,105 244,109 255,482 178,665 

Estimated monthly rental value of owned

home .......................................................... 1,023 335 721 1,132 1,229 1,204 955 

Gifts of goods and services ............................ 1,033 523 651 954 1,554 1,403 928 

Food ............................................................. 105 42 50 127 142 156 433 

Alcoholic beverages ..................................... 17 3 ( ) 10 23 24 46 2 ( )

Housing ........................................................ 234 153 149 228 289 479 201 

Housekeeping supplies .............................. 53 47 41 58 58 89 432 

Household textiles ...................................... 18 3 ( ) 15 23 18 422 410 

Appliances and miscellaneous

housewares .............................................. 34 47 11 36 68 410 414 

Major appliances ...................................... 16 46 41 22 29 47 44 

Small appliances and miscellaneous

housewares ............................................ 17 41 10 14 39 43 410 

Miscellaneous household equipment ......... 56 419 40 58 67 80 81 

Other housing ............................................ 73 4120 43 53 79 279 464 

Apparel and services ................................... 271 135 249 287 294 243 314 

Males, 2 and over ...................................... 65 426 46 74 86 62 46 

Females, 2 and over .................................. 105 46 94 108 117 97 163 

Children under 2 ........................................ 52 447 68 49 37 60 58 

Other apparel products and services ......... 49 416 41 57 53 424 488 

Jewelry and watches ................................ 13 43 11 18 10 410 46 

All other apparel products and services ... 36 413 31 39 44 414 482 

Transportation .............................................. 57 41 44 40 118 21 22 

Health care ................................................... 18 4-2 46 47 57 412 3 ( )

Entertainment ............................................... 68 417 33 67 120 61 428 

Toys, games, arts and crafts, and tricycles 19 44 15 22 22 417 414 

Other entertainment ................................... 49 413 18 44 98 44 414 

Personal care products and services ........... 41 456 38 44 44 20 3 ( )

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

Education ..................................................... 161 437 418 81 388 352 4292 

All other gifts ................................................ 61 4125 55 50 78 54 438 

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.