Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006

Item

Total

55-64

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Number of consumer units (in thousands) ....... 18,528 643 1,000 1,058 1,099 2,057 1,988 1,969 2,900 5,814 

Consumer unit characteristics: 

Income before taxes ..................................... $64,293 $1,130 $8,082 $12,527 $17,362 $24,878 $34,599 $44,784 $59,396 $132,386 

Income after taxes ........................................ 60,979 371 7,935 12,542 17,135 24,189 33,757 43,462 56,627 124,334 

Age of reference person ................................ 59.2 59.2 59.8 59.8 59.6 59.8 59.6 59.4 59.0 58.7 

Average number in consumer unit:

Persons ........................................................ 2.1 1.5 1.4 1.7 1.7 1.7 1.9 2.0 2.2 2.5 

Children under 18 ........................................ .2 1.1 1.1 .2 .1 .1 .2 .1 .1 .2 

Persons 65 and over .................................... .1 2 ( ) 1.1 .1 .1 .1 .1 .1 .1 .1 

Earners ........................................................ 1.3 .4 .3 .4 .6 .9 1.1 1.3 1.5 1.9 

Vehicles ....................................................... 2.2 1.2 .8 1.2 1.6 1.8 2.0 2.1 2.4 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 48 38 34 36 37 45 48 50 57 

Female ......................................................... 52 52 62 66 64 63 55 52 50 43 

Housing tenure:

Homeowner .................................................. 81 59 39 62 70 73 80 84 89 95 

With mortgage ............................................ 46 25 11 18 30 32 40 46 54 65 

Without mortgage ....................................... 35 34 29 43 40 41 39 38 34 30 

Renter .......................................................... 19 41 61 38 30 27 20 16 11 5 

Race of reference person:

Black or African-American ........................... 11 13 22 22 14 13 11 10 9 6 

White, Asian, and all other races ................. 89 87 78 78 86 87 89 90 91 94 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 7 14 13 13 8 7 6 7 6 5 

Not Hispanic or Latino .................................. 93 86 87 87 92 93 94 93 94 95 

Education of reference person:

Elementary (1-8) .......................................... 4 5 20 12 8 5 3 2 2 1 

High school (9-12) ........................................ 35 40 47 52 47 46 43 42 34 19 

College ......................................................... 60 53 33 36 44 48 53 55 65 79 

Never attended and other ............................ 3 ( ) 1 1 3 ( ) 1 3 ( ) 3 ( ) 3 ( ) 3 ( ) 4 ( )

At least one vehicle owned or leased ............ 91 68 52 74 84 91 94 96 96 98 

Average annual expenditures .......................... $50,219 $25,975 $18,408 $21,904 $27,650 $29,770 $36,082 $40,800 $49,067 $82,566 

Food ............................................................... 6,165 3,436 3,211 3,350 3,693 3,984 4,368 5,464 6,365 8,954 

Food at home ............................................... 3,504 2,182 2,288 2,163 2,495 2,606 2,663 3,108 3,763 4,643 

Cereals and bakery products ..................... 459 292 321 293 310 330 365 434 478 603 

Cereals and cereal products .................... 137 87 111 84 94 97 119 118 135 182 

Bakery products ....................................... 322 205 210 209 216 233 246 316 342 420 

Meats, poultry, fish, and eggs .................... 813 587 549 526 574 662 620 682 866 1,062 

Beef .......................................................... 237 138 120 161 168 181 188 194 273 309 

Pork .......................................................... 162 139 130 87 146 139 135 139 198 188 

Other meats ............................................. 103 81 70 72 70 94 73 91 110 132 

Poultry ...................................................... 137 108 121 107 88 114 110 124 130 176 

Fish and seafood ..................................... 135 84 83 62 76 100 82 98 117 212 

Eggs ......................................................... 38 37 24 37 27 33 33 36 38 46 

Dairy products ............................................ 373 248 248 243 257 268 288 350 405 485 

Fresh milk and cream .............................. 133 110 104 112 104 107 118 135 138 156 

Other dairy products ................................ 240 138 144 131 154 161 170 215 267 329 

Fruits and vegetables ................................. 642 399 394 370 450 487 464 574 651 879 

Fresh fruits ............................................... 221 142 111 116 156 168 175 177 218 312 

Fresh vegetables ..................................... 217 156 130 129 142 149 130 202 228 301 

Processed fruits ....................................... 106 48 74 57 81 96 81 109 97 139 

Processed vegetables .............................. 99 53 80 67 72 74 78 87 109 127 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

55-64

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other food at home .................................... $1,216 $655 $776 $731 $905 $859 $925 $1,068 $1,363 $1,614 

Sugar and other sweets ........................... 125 78 97 85 88 85 89 105 152 160 

Fats and oils ............................................. 97 53 70 74 81 81 76 94 101 119 

Miscellaneous foods ................................ 608 298 366 327 442 424 426 528 686 828 

Nonalcoholic beverages ........................... 330 212 228 219 258 243 291 285 367 414 

Food prepared by consumer unit on

out-of-town trips ..................................... 56 115 116 125 136 27 44 56 58 92 

Food away from home ................................. 2,662 1,254 923 1,187 1,198 1,378 1,706 2,357 2,602 4,311 

Alcoholic beverages ....................................... 466 306 76 231 157 245 285 327 435 798 

Housing .......................................................... 16,171 10,181 7,489 8,708 9,900 10,352 12,628 13,493 15,519 25,185 

Shelter .......................................................... 8,963 6,250 4,428 4,639 5,176 5,759 7,126 7,121 8,293 14,265 

Owned dwellings ........................................ 6,775 3,785 1,559 2,294 3,149 3,693 5,016 5,168 6,615 11,818 

Mortgage interest and charges ................ 3,190 1,791 653 709 1,305 1,579 2,271 2,465 3,147 5,739 

Property taxes .......................................... 1,901 1,340 592 866 985 1,131 1,427 1,506 1,875 3,132 

Maintenance, repairs, insurance, other

expenses ................................................ 1,684 654 314 718 858 983 1,318 1,196 1,592 2,948 

Rented dwellings ........................................ 1,377 1,850 2,701 2,143 1,749 1,807 1,776 1,552 1,103 675 

Other lodging ............................................. 811 615 1168 202 278 258 334 402 575 1,772 

Utilities, fuels, and public services ............... 3,536 2,408 1,857 2,509 2,900 2,845 3,186 3,432 3,752 4,549 

Natural gas ................................................. 542 364 243 447 396 420 474 528 540 731 

Electricity .................................................... 1,310 891 730 996 1,133 1,085 1,219 1,294 1,345 1,644 

Fuel oil and other fuels ............................... 169 1179 69 88 176 159 134 185 210 189 

Telephone services .................................... 1,097 712 621 733 873 848 980 1,031 1,201 1,428 

Water and other public services ................. 418 262 193 246 323 332 378 395 455 556 

Household operations .................................. 815 473 235 280 314 336 440 635 615 1,602 

Personal services ....................................... 148 15 121 136 131 117 131 199 134 387 

Other household expenses ........................ 667 468 213 244 282 319 409 536 581 1,215 

Housekeeping supplies ................................ 737 312 419 389 416 467 540 683 837 1,023 

Laundry and cleaning supplies .................. 158 84 108 85 97 128 113 157 211 187 

Other household products .......................... 376 164 201 224 194 191 314 321 411 539 

Postage and stationery .............................. 204 64 111 80 124 148 113 205 215 297 

Household furnishings and equipment ......... 2,120 738 551 891 1,094 946 1,335 1,622 2,023 3,746 

Household textiles ...................................... 181 21 35 40 129 47 123 119 289 273 

Furniture ..................................................... 494 209 135 176 284 277 262 307 335 983 

Floor coverings .......................................... 81 191 12 153 181 39 42 67 27 159 

Major appliances ........................................ 297 128 73 200 205 148 187 272 282 491 

Small appliances, miscellaneous

housewares .............................................. 125 27 51 66 55 72 105 69 140 198 

Miscellaneous household equipment ......... 943 262 256 356 341 364 615 788 950 1,643 

Apparel and services ..................................... 1,841 1,194 891 681 1,082 844 1,193 1,321 1,680 3,099 

Men and boys .............................................. 399 347 255 161 192 269 228 329 353 633 

Men, 16 and over ....................................... 356 332 176 146 181 228 200 298 315 572 

Boys, 2 to 15 .............................................. 42 115 180 15 11 41 28 31 38 62 

Women and girls .......................................... 775 326 354 293 434 312 535 533 717 1,310 

Women, 16 and over .................................. 714 308 308 251 417 287 493 499 656 1,208 

Girls, 2 to 15 ............................................... 61 118 146 42 17 25 42 34 62 102 

Children under 2 .......................................... 62 120 125 33 26 22 28 53 69 106 

Footwear ...................................................... 292 1281 1162 1103 193 127 232 234 316 428 

Other apparel products and services ........... 312 220 95 91 237 114 170 172 225 623 

Transportation ................................................ 8,789 4,473 2,567 3,391 4,730 6,082 6,425 7,405 9,109 14,152 

Vehicle purchases (net outlay) ..................... 3,454 11,678 1873 1812 11,373 2,712 2,316 2,760 3,412 5,876 

Cars and trucks, new ................................. 2,113 11,304 1564 1494 1962 1,845 1783 1,078 1,722 4,076 

Cars and trucks, used ................................ 1,283 1374 309 1317 404 867 1,507 1,621 1,609 1,686 

Other vehicles ............................................ 58 4 ( ) 4 ( ) 4 ( ) 17 4 ( ) 126 161 180 114 

Gasoline and motor oil ................................. 2,197 1,113 778 1,176 1,552 1,586 1,900 2,038 2,368 3,154 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

55-64

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other vehicle expenses ............................... $2,578 $1,334 $755 $1,213 $1,528 $1,608 $1,940 $2,302 $2,817 $4,001 

Vehicle finance charges ............................. 294 111 137 80 189 221 235 311 323 444 

Maintenance and repairs ........................... 770 438 270 484 463 452 553 642 905 1,158 

Vehicle insurance ....................................... 943 467 350 483 590 716 752 882 1,035 1,367 

Vehicle rental, leases, licenses, and other

charges .................................................... 571 318 98 167 286 219 400 468 554 1,032 

Public transportation .................................... 561 348 161 190 277 175 269 304 512 1,121 

Healthcare ...................................................... 3,485 2,096 1,471 1,824 2,629 2,675 3,478 3,588 3,555 4,653 

Health insurance .......................................... 1,631 1,050 595 928 1,248 1,399 1,439 1,602 1,753 2,172 

Medical services .......................................... 979 651 522 369 655 556 1,226 1,090 874 1,345 

Drugs ........................................................... 736 289 302 474 610 648 734 766 778 922 

Medical supplies .......................................... 139 106 153 52 116 71 79 130 151 215 

Entertainment ................................................. 2,549 1,345 823 1,018 1,344 1,350 1,670 2,050 2,143 4,533 

Fees and admissions ................................... 619 426 160 141 297 216 332 354 513 1,250 

Audio and visual equipment and services .... 884 476 411 511 663 652 807 822 879 1,251 

Pets, toys, hobbies, and playground

equipment .................................................. 502 330 150 265 201 289 409 494 446 793 

Other entertainment supplies, equipment,

and services ............................................... 544 113 101 102 184 194 122 380 305 1,239 

Personal care products and services ............. 569 247 155 270 325 330 362 442 565 940 

Reading .......................................................... 157 70 58 63 69 87 123 135 153 263 

Education ....................................................... 697 1233 183 221 104 187 242 286 441 1,651 

Tobacco products and smoking supplies ....... 353 318 376 305 378 337 485 362 356 313 

Miscellaneous ................................................ 1,045 446 295 669 575 552 627 591 1,051 1,854 

Cash contributions ......................................... 2,116 1,038 463 659 1,616 1,041 1,393 1,362 2,038 3,803 

Personal insurance and pensions .................. 5,815 592 450 514 1,051 1,704 2,802 3,972 5,657 12,369 

Life and other personal insurance ................ 499 137 124 155 246 298 280 358 468 923 

Pensions and Social Security ...................... 5,316 455 326 360 805 1,406 2,523 3,614 5,189 11,446 

Sources of income and personal taxes: 

Money income before taxes ........................... 64,293 1,130 8,082 12,527 17,362 24,878 34,599 44,784 59,396 132,386 

Wages and salaries ..................................... 47,310 1,312 1,785 3,071 7,324 13,861 22,676 31,707 44,950 102,552 

Self-employment income ............................. 4,444 1-1,916 1-460 1289 293 636 1,108 1,566 2,592 11,917 

Social Security, private and government

retirement ................................................... 9,329 835 4,228 6,787 8,260 8,796 9,167 9,870 9,636 11,717 

Interest, dividends, rental income, other

property income ......................................... 2,284 165 381 533 301 573 948 991 1,345 5,507 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 241 146 1136 1201 1223 365 208 262 346 198 

Public assistance, supplemental security

income, food stamps .................................. 370 517 1,745 1,255 628 385 300 170 190 83 

Regular contributions for support ................. 206 160 172 1184 1172 1219 1126 1193 1187 292 

Other income ............................................... 111 1111 1196 1207 1161 143 165 124 150 119 

Personal taxes ............................................... 3,314 759 147 -15 227 689 842 1,323 2,769 8,052 

Federal income taxes ................................... 2,403 407 41 -111 23 431 471 863 1,954 6,040 

State and local income taxes ....................... 644 115 53 9 49 111 186 246 525 1,573 

Other taxes .................................................. 267 237 53 87 156 147 186 214 290 439 

Income after taxes ......................................... 60,979 371 7,935 12,542 17,135 24,189 33,757 43,462 56,627 124,334 

See footnotes at end of table.
Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2005-2006 — Continued

Item

Total

55-64

years

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Addenda:

Net change in total assets and liabilities ........ - $5,595 - $5,623 $2,861 - $7,244 - $264 - $7,424 - $5,937 - $6,842 - $8,990 - $4,873 

Net change in total assets ............................ 8,898 1,772 4,393 1,192 -97 -3,748 702 8,475 7,890 21,486 

Net change in total liabilities ........................ 14,493 7,395 1,532 8,435 167 3,676 6,639 15,318 16,880 26,359 

Other financial information:

Other money receipts ................................... 1,032 162 195 1422 1275 414 508 187 977 2,265 

Mortgage principal paid on owned property -2,531 -1,253 -824 -546 -692 -1,080 -1,477 -1,591 -2,526 -4,867 

Estimated market value of owned home ...... 230,617 134,405 69,391 93,235 107,705 131,598 153,710 161,076 208,555 413,103 

Estimated monthly rental value of owned

home .......................................................... 1,033 638 365 525 608 691 785 850 1,045 1,627 

Gifts of goods and services ............................ 1,558 428 440 548 782 599 811 937 1,256 3,084 

Food ............................................................. 193 113 176 176 92 101 77 121 155 357 

Alcoholic beverages ..................................... 11 4 ( ) 4 ( ) 3 ( ) 11 11 12 115 25 15 

Housing ........................................................ 348 193 140 56 212 147 200 207 305 655 

Housekeeping supplies .............................. 43 16 115 122 162 50 25 26 46 58 

Household textiles ...................................... 20 11 16 11 130 4 120 124 21 29 

Appliances and miscellaneous

housewares .............................................. 41 133 16 12 119 115 49 8 32 78 

Major appliances ...................................... 16 133 3 ( ) 11 13 14 112 11 13 32 

Small appliances and miscellaneous

housewares ............................................ 26 3 ( ) 15 11 116 111 138 17 19 46 

Miscellaneous household equipment ......... 83 128 58 112 28 39 31 47 139 128 

Other housing ............................................ 160 1125 55 119 173 39 74 103 68 361 

Apparel and services ................................... 311 94 123 78 155 134 137 188 335 556 

Males, 2 and over ...................................... 71 116 121 8 35 62 38 38 84 116 

Females, 2 and over .................................. 115 18 165 22 90 28 43 77 105 211 

Children under 2 ........................................ 56 120 125 32 21 20 25 46 68 94 

Other apparel products and services ......... 68 150 112 116 19 25 31 126 78 134 

Jewelry and watches ................................ 36 119 18 19 17 9 18 118 18 85 

All other apparel products and services ... 33 130 14 17 11 115 123 18 59 49 

Transportation .............................................. 79 11 138 1110 50 5 16 45 29 180 

Health care ................................................... 39 13 113 17 126 142 1113 144 111 40 

Entertainment ............................................... 120 167 126 39 150 57 68 115 105 198 

Toys, games, arts and crafts, and tricycles 45 121 112 22 45 34 35 46 44 64 

Other entertainment ................................... 75 146 115 17 1105 22 33 68 62 134 

Personal care products and services ........... 17 4 ( ) 3 ( ) 14 16 17 13 15 21 33 

Reading ........................................................ 2 3 ( ) 3 ( ) 3 ( ) 12 11 3 ( ) 12 1 3 

Education ..................................................... 307 116 118 135 149 142 99 123 123 806 

All other gifts ................................................ 131 42 7 42 39 63 96 72 147 242 

1 Data are likely to have large sampling errors. 2 Value less than 0.05. 3 Value less than or equal to 0.5.4 No data reported.

n.a. Not applicable.