Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

Number of consumer units (in thousands)1................................................... 22,444 1,762 1,748 1,505 1,516 2,638 3,481 9,793 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $111,677 $6,181 $22,353 $34,826 $44,778 $59,360 $83,725 $192,801 

 Income after taxes ...................................................................................... 95,828 6,951 24,464 35,479 44,092 56,183 77,002 159,215 

 Age of reference person ............................................................................. 49.7 49.6 49.5 49.5 49.5 49.6 49.7 49.7 

 Average number in consumer unit: 

 People ..................................................................................................... 2.9 1.9 2.3 2.4 2.5 2.6 2.9 3.4 

 Children under 18.................................................................................... .7 .3 .6 .5 .6 .7 .7 .9 

 Adults 65 and older ................................................................................. .1 ( 2 ) 3

.1 3.1 3.1 ( 2

 ) .1 ( 2 ) 

 Earners .................................................................................................... 1.8 .6 1.0 1.3 1.4 1.6 1.9 2.3 

 Vehicles ................................................................................................... 2.2 1.1 1.2 1.6 1.7 1.9 2.3 2.9 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 47 37 32 44 43 47 49 52 

 Women .................................................................................................... 53 63 68 56 57 53 51 48 

 Housing tenure: 

 Homeowner ............................................................................................. 70 39 43 51 51 61 74 88 

 With mortgage ...................................................................................... 53 20 21 32 32 43 59 72 

 Without mortgage................................................................................. 17 18 22 19 19 17 14 15 

 Renter ...................................................................................................... 30 61 57 49 49 39 26 12 

 Race of reference person: 

 Black or African-American ...................................................................... 14 25 22 20 17 16 15 9 

 White, Asian, and all other races ............................................................ 86 75 78 80 83 84 85 91 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 16 17 27 23 27 19 17 11 

 Not Hispanic or Latino ............................................................................. 84 83 73 77 73 81 83 89 

 Education of reference person: 

 Elementary (1-8) ..................................................................................... 3 5 5 4 5 3 2 1 

 High school (9-12) ................................................................................... 26 49 45 40 36 31 29 13 

 College .................................................................................................... 71 46 49 55 58 66 69 85 

 Never attended and other ....................................................................... ( 2 ) ( 2 ) 1 1 ( 2 ) 1 ( 2 ) ( 2 ) 

 At least one vehicle owned or leased ........................................................ 92 65 79 86 94 93 97 98 

Average annual expenditures........................................................................ $76,075 $28,756 $33,088 $38,631 $44,700 $50,796 $66,891 $112,908 

 Food ........................................................................................................... 9,431 4,959 4,582 5,367 6,427 6,255 8,621 13,326 

 Food at home .......................................................................................... 5,720 3,700 3,057 3,574 4,100 4,057 5,505 7,671 

 Cereals and bakery products ............................................................... 723 528 417 416 547 539 673 960 

 Cereals and cereal products ............................................................ 236 181 121 141 161 205 209 311 

 Bakery products ................................................................................ 487 347 295 275 385 335 464 649 

 Meats, poultry, fish, and eggs .............................................................. 1,236 913 681 887 948 924 1,096 1,626 

 Beef ................................................................................................... 335 273 161 208 307 246 289 444 

 Pork ................................................................................................... 242 192 170 160 201 194 225 303 

 Other meats ...................................................................................... 162 96 84 100 115 129 149 218 

 Poultry ............................................................................................... 238 199 172 168 149 156 207 316 

 Fish and seafood .............................................................................. 187 82 53 205 128 145 163 251 

 Eggs .................................................................................................. 72 71 42 46 48 53 64 94 

 Dairy products ...................................................................................... 550 337 289 341 405 386 541 738 

 Fresh milk and cream ....................................................................... 170 129 126 117 145 128 154 216 

 Other dairy products ......................................................................... 380 207 163 224 260 258 387 522 

 Fruits and vegetables .......................................................................... 1,093 716 651 724 665 830 965 1,476 

 Fresh fruits ........................................................................................ 400 276 218 270 219 314 344 545 

 Fresh vegetables .............................................................................. 356 172 236 234 228 263 311 488 

 Processed fruits ................................................................................ 133 107 77 72 70 88 114 187 

 Processed vegetables ...................................................................... 204 162 120 147 148 165 196 257 

 Other food at home .............................................................................. 2,118 1,206 1,019 1,206 1,536 1,379 2,231 2,872 

 Sugar and other sweets .................................................................... 195 125 97 105 121 118 186 277 

 Fats and oils ..................................................................................... 155 108 91 109 129 124 136 202 

 Miscellaneous foods ......................................................................... 1,145 614 475 632 814 695 1,249 1,576 

 Nonalcoholic beverages ................................................................... 554 336 347 332 453 409 601 702 

See footnotes at end of table. 
Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

 Food prepared by consumer unit on out-of-town trips ..................... 69 324 39 328 320 34 59 115 

 Food away from home ............................................................................ 3,711 1,259 1,525 1,794 2,327 2,198 3,116 5,655 

 Alcoholic beverages ................................................................................... 635 147 104 308 291 411 552 1,000 

 Housing ...................................................................................................... 24,154 12,392 13,394 14,935 15,602 17,896 21,933 33,401 

 Shelter ..................................................................................................... 14,350 7,578 8,403 8,989 9,148 10,926 12,554 19,821 

 Owned dwellings .................................................................................. 9,350 2,779 2,976 3,643 3,542 5,228 8,015 15,031 

 Mortgage interest and charges ......................................................... 4,383 1,160 1,114 1,594 1,558 2,540 3,831 7,106 

 Property taxes ................................................................................... 2,805 810 954 1,338 1,051 1,534 2,169 4,560 

 Maintenance, repairs, insurance, other expenses ........................... 2,162 810 909 711 933 1,154 2,015 3,365 

 Rented dwellings.................................................................................. 3,946 4,601 5,264 5,209 5,355 5,313 4,103 2,757 

 Other lodging ....................................................................................... 1,055 3198 164 137 3252 385 435 2,034 

 Utilities, fuels, and public services .......................................................... 4,899 2,960 3,116 3,579 3,859 4,046 4,939 6,147 

 Natural gas ........................................................................................... 478 290 323 358 324 390 445 618 

 Electricity .............................................................................................. 1,685 1,184 1,308 1,442 1,396 1,455 1,696 1,983 

 Fuel oil and other fuels ........................................................................ 120 352 324 347 393 366 104 184 

 Telephone services .............................................................................. 1,843 974 1,034 1,231 1,505 1,541 1,921 2,343 

 Residential phone service, VOIP, and phone cards ........................ 175 128 84 151 152 119 161 227 

 Cellular phone service ...................................................................... 1,667 846 950 1,080 1,354 1,422 1,760 2,115 

 Water and other public services .......................................................... 773 459 427 501 539 595 773 1,018 

 Household operations ............................................................................. 1,511 507 772 814 799 982 1,189 2,297 

 Personal services................................................................................. 247 320 3149 348 342 3137 3145 432 

 Other household expenses .................................................................. 1,264 488 623 766 757 846 1,043 1,865 

 Housekeeping supplies ........................................................................... 959 465 327 447 601 667 1,000 1,357 

 Laundry and cleaning supplies ............................................................ 217 157 119 160 129 182 254 263 

 Other household products ................................................................... 601 180 164 240 430 374 609 892 

 Postage and stationery ........................................................................ 141 128 345 47 42 111 136 202 

 Household furnishings and equipment ................................................... 2,434 882 776 1,105 1,195 1,275 2,252 3,778 

 Household textiles................................................................................ 151 121 40 108 47 133 127 210 

 Furniture ............................................................................................... 596 239 283 298 195 288 497 943 

 Floor coverings .................................................................................... 28 36 39 35 312 12 10 53 

 Major appliances .................................................................................. 360 181 153 234 267 180 386 501 

 Small appliances, miscellaneous housewares .................................... 151 49 72 80 65 83 130 232 

 Miscellaneous household equipment .................................................. 1,148 286 219 381 609 579 1,101 1,839 

 Apparel and services .................................................................................. 2,134 1,027 1,326 948 992 1,388 1,529 3,253 

 Men and boys .......................................................................................... 574 189 361 209 286 391 371 901 

 Men, 16 and over ................................................................................. 450 3143 288 116 212 303 275 724 

 Boys, 2 to 15 ........................................................................................ 124 46 72 93 74 88 96 177 

 Women and girls ..................................................................................... 839 556 395 358 456 590 555 1,275 

 Women, 16 and over ........................................................................... 700 504 344 280 389 512 441 1,059 

 Girls, 2 to 15 ......................................................................................... 139 352 50 78 66 78 114 216 

 Children under 2 ...................................................................................... 44 32 322 38 324 354 345 60 

 Footwear ................................................................................................. 435 3196 441 245 3121 220 423 619 

 Other apparel products and services ...................................................... 241 84 107 128 106 133 135 398 

 Transportation ............................................................................................ 12,825 4,609 5,954 6,814 9,517 9,941 11,688 18,146 

 Vehicle purchases (net outlay) ............................................................... 5,512 31,453 2,175 2,298 4,511 4,150 4,558 8,192 

 Cars and trucks, new ........................................................................... 2,311 3483 31,252 3931 31,330 1,812 2,320 3,323 

 Cars and trucks, used .......................................................................... 3,108 970 924 1,357 3,165 2,066 2,219 4,739 

 Other vehicles ...................................................................................... 93 ( 4 ) ( 4 ) 310 316 3273 319 130 

 Gasoline, other fuels, and motor oil ........................................................ 2,330 1,053 1,426 1,557 1,881 2,099 2,402 2,946 

 Other vehicle expenses .......................................................................... 4,380 1,830 2,093 2,738 2,992 3,372 4,359 5,994 

 Vehicle finance charges ....................................................................... 344 113 127 160 200 243 350 499 

 Maintenance and repairs ..................................................................... 1,099 423 647 609 833 820 1,116 1,487 

 Vehicle rental, leases, licenses, and other charges ............................ 982 452 289 420 446 646 860 1,504 

 Vehicle insurance................................................................................. 1,956 842 1,031 1,549 1,513 1,662 2,033 2,504 

 Public and other transportation ............................................................... 603 273 258 222 133 320 369 1,014 

 Healthcare .................................................................................................. 5,405 1,503 2,076 2,528 3,291 3,969 5,951 7,668 

 Health insurance ..................................................................................... 3,702 915 1,335 1,835 2,192 2,693 3,892 5,352 

 Medical services ...................................................................................... 1,051 233 409 408 600 852 1,317 1,439 

 Drugs ....................................................................................................... 454 250 217 208 373 335 476 610 

 Medical supplies ...................................................................................... 198 105 115 77 126 90 265 267 

 Entertainment ............................................................................................. 3,520 1,236 1,307 1,830 1,448 1,909 2,770 5,597 

 Fees and admissions .............................................................................. 837 145 184 214 121 238 509 1,562 

 Audio and visual equipment and services .............................................. 1,174 551 755 833 702 860 1,145 1,583 

 Pets, toys, hobbies, and playground equipment..................................... 896 375 240 619 524 601 671 1,355 

 Pets ...................................................................................................... 736 328 196 501 476 464 539 1,120 

See footnotes at end of table. 
Table 3234. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

45-54

years 

Less 

than 

$15,000 

$15,000 

to

$29,999 

$30,000 

to

$39,999 

$40,000 

to

$49,999 

$50,000 

to

$69,999 

$70,000 

to

$99,999 

$100,000 

and

more 

 Toys, hobbies, and playground equipment ......................................... 159 347 344 3118 348 136 132 235 

 Other entertainment supplies, equipment, and services ........................ 614 165 3128 163 3100 210 445 1,097 

 Personal care products and services ......................................................... 918 260 432 406 519 660 837 1,354 

 Reading ...................................................................................................... 99 330 337 3107 331 74 58 151 

 Education.................................................................................................... 2,654 355 289 325 366 763 1,503 5,121 

 Tobacco products and smoking supplies ................................................... 391 367 506 595 654 491 430 262 

 Miscellaneous ............................................................................................. 1,095 471 780 805 730 532 985 1,556 

 Cash contributions...................................................................................... 2,133 871 750 841 898 965 1,657 3,481 

 Personal insurance and pensions .............................................................. 10,681 529 1,553 2,823 3,935 5,543 8,379 18,592 

 Life and other personal insurance .......................................................... 658 123 134 155 272 361 522 1,113 

 Pensions and Social Security ................................................................. 10,024 406 1,419 2,668 3,663 5,182 7,857 17,480 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $111,677 $6,181 $22,353 $34,826 $44,778 $59,360 $83,725 $192,801 

 Wages and salaries................................................................................. 97,768 3,014 14,476 28,593 37,519 52,265 75,391 169,856 

 Self-employment income ........................................................................ 8,033 -1,032 1,203 1,284 3,285 2,950 4,699 15,211 

 Social Security, private and government retirement ............................... 2,761 1,925 3,809 2,846 2,191 1,876 1,887 3,348 

 Interest, dividends, rental income, other property income ...................... 1,487 3

-62 3150 374 3213 490 550 2,975 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 493 1,643 1,632 613 726 442 319 103 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 822 320 809 850 565 1,107 715 912 

 Other income ........................................................................................... 312 373 273 3266 3280 229 164 396 

 Personal taxes (contains some imputed values) ....................................... 15,849 -770 -2,112 -653 686 3,177 6,724 33,586 

 Federal income taxes .............................................................................. 13,205 -220 -1,298 -162 878 2,875 5,736 27,610 

 Stimulus payment (new UCC Q20202)# ................................................ -1,020 -511 -834 -955 -967 -988 -1,160 -1,122 

 State and local income taxes .................................................................. 3,569 -88 5 426 721 1,244 2,110 6,931 

 Other taxes .............................................................................................. 96 349 315 338 354 347 38 168 

 Income after taxes ...................................................................................... 95,828 6,951 24,464 35,479 44,092 56,183 77,002 159,215 

Addenda: 

 Net change in total assets and liabilities .................................................... $8,464 $8,597 $1,440 $351 -$557 $401 -$4,400 $19,081 

 Net change in total assets ....................................................................... 27,755 10,058 3,626 6,394 5,289 5,228 18,385 51,406 

 Net change in total liabilities ................................................................... 19,291 1,461 2,185 6,043 5,846 4,827 22,784 32,325 

 Other financial information: 

 Other money receipts .............................................................................. 584 3421 3236 3581 319 3999 377 726 

 Mortgage principal paid on owned property ........................................... -3,521 -858 -860 -1,363 -1,105 -1,822 -2,796 -5,896 

 Estimated market value of owned home................................................. 249,858 75,480 75,044 104,824 101,828 157,698 198,943 400,571 

 Estimated monthly rental value of owned home ..................................... 1,326 479 549 669 632 849 1,171 2,008 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 Data are likely to have large sampling errors. 

4

 No data reported. 

# 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, 2021