Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

three

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) ....... 18,078 1,120 3,738 4,648 4,990 2,302 1,279 

Consumer unit characteristics: 

Income before taxes ..................................... $70,622 $37,957 $57,980 $69,764 $83,656 $86,814 $59,293 

Income after taxes ........................................ 67,846 37,565 56,467 67,238 79,459 82,547 58,058 

Age of reference person ................................ 43.8 22.0 29.7 39.6 49.2 58.4 72.2 

Average number in consumer unit:

Persons ........................................................ 3.0 3.0 3.0 3.0 3.0 3.0 3.0 

Children under 18 ........................................ .8 .9 1.1 1.0 .6 .3 .2 

Persons 65 and over .................................... .2 1 ( ) 1 ( ) 1 ( ) .1 .2 1.6 

Earners ........................................................ 1.8 1.7 1.6 1.7 2.0 1.9 1.3 

Vehicles ....................................................... 2.4 1.8 2.0 2.2 2.8 2.9 2.3 

Percent distribution:

Sex of reference person:

Male ............................................................. 46 31 44 42 48 57 58 

Female ......................................................... 54 69 56 58 52 43 42 

Housing tenure:

Homeowner .................................................. 70 32 54 68 81 87 91 

With mortgage ............................................ 53 22 48 60 62 56 34 

Without mortgage ....................................... 17 10 6 8 19 30 57 

Renter .......................................................... 30 68 46 32 19 13 9 

Race of reference person:

Black or African-American ........................... 14 16 16 15 11 11 12 

White, Asian, and all other races ................. 86 84 84 85 89 89 88 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 13 24 15 14 9 10 12 

Not Hispanic or Latino .................................. 87 76 85 86 91 90 88 

Education of reference person:

Elementary (1-8) .......................................... 4 4 3 3 3 6 12 

High school (9-12) ........................................ 37 55 33 37 33 37 43 

College ......................................................... 59 41 64 59 64 56 44 

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

At least one vehicle owned or leased ............ 93 87 91 91 95 95 95 

Average annual expenditures .......................... $53,429 $34,897 $47,188 $52,585 $62,558 $61,206 $42,470 

Food ............................................................... 7,014 5,158 5,872 7,035 8,290 8,056 5,727 

Food at home ............................................... 3,966 2,919 3,351 4,080 4,455 4,514 3,795 

Cereals and bakery products ..................... 534 410 447 563 592 602 502 

Cereals and cereal products .................... 178 162 159 188 189 187 154 

Bakery products ....................................... 357 248 288 375 403 416 349 

Meats, poultry, fish, and eggs .................... 1,019 764 806 1,054 1,178 1,137 1,026 

Beef .......................................................... 323 256 251 326 390 341 324 

Pork .......................................................... 205 147 152 221 241 215 218 

Other meats ............................................. 120 65 98 135 132 136 113 

Poultry ...................................................... 185 176 161 179 206 211 168 

Fish and seafood ..................................... 143 85 108 149 164 176 152 

Eggs ......................................................... 44 35 35 44 45 57 51 

Dairy products ............................................ 445 314 375 467 492 506 439 

Fresh milk and cream .............................. 180 139 166 190 190 189 172 

Other dairy products ................................ 265 176 209 278 302 317 267 

Fruits and vegetables ................................. 644 498 533 642 702 820 648 

Fresh fruits ............................................... 207 140 171 204 232 272 196 

Fresh vegetables ..................................... 213 164 170 206 231 304 210 

Processed fruits ....................................... 123 107 109 127 132 130 130 

Processed vegetables .............................. 101 88 83 104 108 114 113 

See footnotes at end of table.
Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

three

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other food at home .................................... $1,324 $933 $1,190 $1,354 $1,491 $1,449 $1,179 

Sugar and other sweets ........................... 140 72 117 131 171 170 150 

Fats and oils ............................................. 102 68 76 111 118 115 108 

Miscellaneous foods ................................ 679 487 674 710 735 682 555 

Nonalcoholic beverages ........................... 357 289 295 367 407 408 323 

Food prepared by consumer unit on

out-of-town trips ..................................... 45 16 28 35 59 75 44 

Food away from home ................................. 3,048 2,239 2,521 2,955 3,835 3,542 1,933 

Alcoholic beverages ....................................... 476 297 474 482 568 547 157 

Housing .......................................................... 16,897 11,573 16,722 17,319 18,410 18,389 12,163 

Shelter .......................................................... 9,599 6,533 10,031 9,871 10,448 10,048 5,904 

Owned dwellings ........................................ 6,743 2,073 6,261 6,828 8,045 7,875 4,818 

Mortgage interest and charges ................ 3,988 1,346 4,192 4,489 4,446 4,076 1,934 

Property taxes .......................................... 1,611 421 1,226 1,473 2,027 2,072 1,823 

Maintenance, repairs, insurance, other

expenses ................................................ 1,145 306 843 866 1,572 1,727 1,061 

Rented dwellings ........................................ 2,279 4,343 3,544 2,630 1,481 1,152 639 

Other lodging ............................................. 577 117 226 413 923 1,021 447 

Utilities, fuels, and public services ............... 3,599 2,484 3,106 3,504 4,025 4,170 3,675 

Natural gas ................................................. 508 246 462 457 573 603 630 

Electricity .................................................... 1,307 979 1,117 1,278 1,438 1,517 1,370 

Fuel oil and other fuels ............................... 144 58 74 130 188 209 194 

Telephone services .................................... 1,243 1,001 1,125 1,249 1,388 1,352 1,013 

Water and other public services ................. 397 200 329 390 438 491 468 

Household operations .................................. 1,025 818 1,404 1,275 745 815 666 

Personal services ....................................... 536 636 1,023 843 152 98 4199 

Other household expenses ........................ 489 182 381 431 594 717 467 

Housekeeping supplies ................................ 697 401 552 694 887 761 647 

Laundry and cleaning supplies .................. 175 106 155 158 222 179 180 

Other household products .......................... 353 169 292 357 447 386 308 

Postage and stationery .............................. 169 126 105 179 217 196 158 

Household furnishings and equipment ......... 1,976 1,337 1,629 1,976 2,304 2,595 1,271 

Household textiles ...................................... 168 130 108 226 171 184 139 

Furniture ..................................................... 520 390 509 574 484 708 269 

Floor coverings .......................................... 64 24 36 68 88 88 28 

Major appliances ........................................ 228 126 196 184 267 313 281 

Small appliances, miscellaneous

housewares .............................................. 137 102 103 109 199 183 71 

Miscellaneous household equipment ......... 859 565 677 815 1,095 1,120 483 

Apparel and services ..................................... 2,354 2,130 2,413 2,239 2,717 2,501 1,160 

Men and boys .............................................. 535 260 600 473 669 541 292 

Men, 16 and over ....................................... 430 214 478 319 571 481 258 

Boys, 2 to 15 .............................................. 105 46 122 154 98 60 33 

Women and girls .......................................... 960 969 813 958 1,194 961 537 

Women, 16 and over .................................. 821 904 688 721 1,067 885 489 

Girls, 2 to 15 ............................................... 139 65 125 237 127 75 48 

Children under 2 .......................................... 148 333 293 138 54 54 61 

Footwear ...................................................... 418 393 409 399 445 604 126 

Other apparel products and services ........... 293 175 298 271 354 342 144 

Transportation ................................................ 10,158 7,829 9,154 9,842 11,480 11,766 8,249 

Vehicle purchases (net outlay) ..................... 4,504 3,606 4,301 4,522 4,842 5,278 3,100 

Cars and trucks, new ................................. 2,248 41,170 2,143 2,183 2,471 3,023 1,470 

Cars and trucks, used ................................ 2,175 2,134 2,115 2,241 2,285 2,221 1,630 

Other vehicles ............................................ 81 4301 443 498 86 435 3 ( )

Gasoline and motor oil ................................. 2,263 1,909 2,050 2,171 2,574 2,471 1,940 

See footnotes at end of table.
Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

three

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

Other vehicle expenses ............................... $2,889 $2,069 $2,535 $2,683 $3,404 $3,270 $2,710 

Vehicle finance charges ............................. 412 303 452 437 407 410 325 

Maintenance and repairs ........................... 780 582 554 679 1,022 926 786 

Vehicle insurance ....................................... 1,170 912 973 1,122 1,392 1,248 1,143 

Vehicle rental, leases, licenses, and other

charges .................................................... 527 271 555 445 583 687 456 

Public transportation .................................... 502 245 268 466 660 747 498 

Healthcare ...................................................... 2,852 1,168 1,794 2,617 3,107 4,011 5,229 

Health insurance .......................................... 1,463 596 987 1,361 1,566 1,862 2,860 

Medical services .......................................... 773 363 467 781 826 1,113 1,175 

Drugs ........................................................... 501 172 258 389 550 867 1,078 

Medical supplies .......................................... 116 37 82 86 164 169 117 

Entertainment ................................................. 2,499 1,485 2,255 2,397 3,091 2,753 1,751 

Fees and admissions ................................... 598 193 440 564 781 845 376 

Audio and visual equipment and services .... 1,010 768 975 1,012 1,138 1,030 791 

Pets, toys, hobbies, and playground

equipment .................................................. 462 287 408 484 566 490 284 

Other entertainment supplies, equipment,

and services ............................................... 429 238 432 337 606 387 300 

Personal care products and services ............. 639 377 557 625 766 713 565 

Reading .......................................................... 127 37 90 114 150 185 162 

Education ....................................................... 1,143 518 500 812 2,075 1,455 572 

Tobacco products and smoking supplies ....... 382 457 326 376 434 396 268 

Miscellaneous ................................................ 811 353 664 871 823 1,066 916 

Cash contributions ......................................... 1,540 456 1,085 1,354 2,169 1,686 1,777 

Personal insurance and pensions .................. 6,538 3,058 5,281 6,503 8,476 7,681 3,774 

Life and other personal insurance ................ 466 80 233 370 580 850 697 

Pensions and Social Security ...................... 6,073 2,978 5,048 6,133 7,896 6,831 3,076 

Sources of income and personal taxes: 

Money income before taxes ........................... 70,622 37,957 57,980 69,764 83,656 86,814 59,293 

Wages and salaries ..................................... 60,347 33,799 53,268 62,896 73,279 67,094 32,419 

Self-employment income ............................. 4,162 1,950 2,654 4,144 5,880 5,220 1,964 

Social Security, private and government

retirement ................................................... 3,677 4347 336 773 2,292 9,140 22,486 

Interest, dividends, rental income, other

property income ......................................... 1,065 175 364 324 848 4,217 1,761 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 272 144 238 304 288 398 474 

Public assistance, supplemental security

income, food stamps .................................. 404 693 474 334 328 426 455 

Regular contributions for support ................. 543 629 452 878 573 197 423 

Other income ............................................... 152 220 194 111 169 121 4111 

Personal taxes ............................................... 2,776 392 1,512 2,526 4,197 4,267 1,235 

Federal income taxes ................................... 1,918 143 937 1,672 3,038 3,029 865 

State and local income taxes ....................... 680 224 460 696 924 976 185 

Other taxes .................................................. 178 26 116 159 235 262 186 

Income after taxes ......................................... 67,846 37,565 56,467 67,238 79,459 82,547 58,058 

See footnotes at end of table.
Table 3630. Consumer units of three persons by age of reference person: Average annual expenditures

and characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

three

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 ........ - $6,098 $7,623 - $9,484 - $10,026 - $3,114 - $7,473 - $3,109 

Net change in total assets ............................ 15,359 24,339 18,350 13,936 14,439 17,260 4,090 

Net change in total liabilities ........................ 21,457 16,716 27,834 23,963 17,553 24,733 7,198 

Other financial information:

Other money receipts ................................... 681 460 223 609 354 2,892 4119 

Mortgage principal paid on owned

property ...................................................... -2,324 -583 -1,666 -2,289 -3,077 -3,218 -1,349 

Estimated market value of owned home ...... 166,317 46,253 117,466 149,151 196,002 255,353 200,549 

Estimated monthly rental value of owned

home .......................................................... 884 295 645 842 1,059 1,146 1,100 

Gifts of goods and services ............................ 1,362 411 690 1,070 2,384 1,626 796 

Food ............................................................. 131 46 45 86 260 193 54 

Alcoholic beverages ..................................... 15 48 15 18 22 7 44 

Housing ........................................................ 298 101 173 229 445 414 309 

Housekeeping supplies .............................. 54 415 38 69 63 51 53 

Household textiles ...................................... 18 45 9 19 16 25 453 

Appliances and miscellaneous

housewares .............................................. 31 431 24 22 34 31 472 

Major appliances ...................................... 8 410 41 42 7 47 461 

Small appliances and miscellaneous

housewares ............................................ 22 421 22 20 27 23 411 

Miscellaneous household equipment ......... 64 423 50 73 69 90 36 

Other housing ............................................ 131 27 52 46 263 217 95 

Apparel and services ................................... 255 178 235 255 281 295 206 

Males, 2 and over ...................................... 64 35 54 56 81 87 49 

Females, 2 and over .................................. 84 58 56 95 92 104 93 

Children under 2 ........................................ 57 82 71 54 47 50 45 

Other apparel products and services ......... 49 42 53 50 62 54 420 

Jewelry and watches ................................ 13 42 9 12 14 24 49 

All other apparel products and services ... 36 3 ( ) 44 38 47 430 411 

Transportation .............................................. 81 44 76 98 115 54 17 

Health care ................................................... 38 415 46 61 45 49 421 

Entertainment ............................................... 80 440 41 58 129 125 49 

Toys, games, arts and crafts, and

tricycles .................................................... 27 417 15 17 32 54 34 

Other entertainment ................................... 54 423 26 41 97 71 14 

Personal care products and services ........... 21 49 12 22 25 40 417 

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

Education ..................................................... 364 43 37 157 973 324 480 

All other gifts ................................................ 78 47 50 86 89 124 38 

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.