Table 1710. Housing tenure: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 2022

 (Aggregates in millions of dollars, unless otherwise indicated)

Homeowner

Item Aggregate Total Homeowner

with mortgage

Homeowner

without mortgage Renter

Number of consumer units (in thousands)1................................................... 134,090 87,276 51,041 36,236 46,814 

Percent distribution of consumer units .......................................................... 100.0 65.1 38.1 27.0 34.9 

Consumer unit characteristics (mean values):

 Income before taxes ................................................................................... $94,003 $112,501 $136,242 $79,060 $59,518 

 Income after taxes ...................................................................................... 83,195 98,058 116,939 71,462 55,485 

 Age of reference person............................................................................. 52.1 55.8 50.3 63.5 45.2 

 Average number in consumer unit:

 People ..................................................................................................... 2.4 2.6 2.9 2.1 2.2 

 Children under 18.................................................................................... .6 .6 .8 .3 .6 

 Adults 65 and older ................................................................................. .4 .5 .3 .8 .2 

 Earners .................................................................................................... 1.3 1.4 1.7 .9 1.2 

 Vehicles ................................................................................................... 1.9 2.2 2.4 2.1 1.2 

Percent distribution:

 Reference person:

 Men.......................................................................................................... 49 50 52 47 46 

 Women .................................................................................................... 51 50 48 53 54 

 Housing tenure:

 Homeowner ............................................................................................. 65 100 100 100 n.a. 

 With mortgage...................................................................................... 38 58 100 n.a. n.a. 

 Without mortgage................................................................................. 27 42 n.a. 100 n.a. 

 Renter...................................................................................................... 35 n.a. n.a. n.a. 100 

 Race of reference person:

 Black or African-American....................................................................... 13 10 10 9 20 

 White, Asian, and all other races, not including Black or

 African-American.................................................................................. 87 90 90 91 80 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino.................................................................................... 15 11 12 9 22 

 Not Hispanic or Latino............................................................................. 85 89 88 91 78 

 Education of reference person:

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

 High school (9-12)................................................................................... 28 24 19 32 34 

 College .................................................................................................... 69 73 80 65 61 

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

 At least one vehicle owned or leased......................................................... 89 96 98 93 76 

Annual aggregate expenditures..................................................................... $9,782,862 74.1 50.5 23.5 25.9 

 Food............................................................................................................ 1,251,954 72.8 50.1 22.8 27.2 

 Food at home .......................................................................................... 764,242 72.4 48.8 23.6 27.6 

 Cereals and bakery products ............................................................... 95,405 73.9 50.2 23.7 26.1 

 Cereals and cereal products............................................................. 28,807 72.4 51.7 20.7 27.6 

 Bakery products ................................................................................ 66,598 74.5 49.6 24.9 25.5 

 Meats, poultry, fish, and eggs .............................................................. 162,883 70.5 47.4 23.1 29.5 

 Beef................................................................................................... 42,539 72.6 47.6 25.0 27.4 

 Pork................................................................................................... 33,024 71.0 47.4 23.6 29.0 

 Other meats ...................................................................................... 22,444 72.4 49.1 23.3 27.6 

 Poultry ............................................................................................... 28,755 66.8 47.0 19.7 33.2 

 Fish and seafood .............................................................................. 24,469 69.1 45.3 23.9 30.9 

 Eggs .................................................................................................. 11,652 69.3 48.4 20.9 30.7 

 Dairy products ...................................................................................... 71,295 73.1 48.8 24.3 26.9 

 Fresh milk and cream ....................................................................... 22,541 71.4 48.2 23.3 28.6 

 Other dairy products ......................................................................... 48,754 73.8 49.1 24.7 26.2 

 Fruits and vegetables........................................................................... 147,321 72.1 49.0 23.1 27.9 

 Fresh fruits ........................................................................................ 54,448 72.1 48.6 23.5 27.9 

 Fresh vegetables .............................................................................. 47,210 72.5 49.4 23.1 27.5 

 Processed fruits ................................................................................ 19,288 70.7 48.1 22.5 29.3 

 Processed vegetables ...................................................................... 26,375 72.6 49.9 22.6 27.4 

 Other food at home .............................................................................. 287,338 72.9 48.9 24.0 27.1 

 Sugar and other sweets.................................................................... 26,427 75.0 47.9 27.1 25.0 

 Fats and oils...................................................................................... 21,038 71.4 48.7 22.7 28.6 

See footnotes at end of table.
Table 1710. Housing tenure: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 2022 

— Continued

 (Aggregates in millions of dollars, unless otherwise indicated)

Homeowner

Item Aggregate Total Homeowner

with mortgage

Homeowner

without mortgage Renter

 Miscellaneous foods ......................................................................... 149,686 72.8 49.2 23.6 27.2 

 Nonalcoholic beverages ................................................................... 78,246 71.5 48.2 23.3 28.5 

 Food prepared by consumer unit on out of town trips...................... 11,941 80.1 51.1 29.0 19.9 

 Food away from home............................................................................. 487,712 73.6 52.1 21.5 26.4 

 Alcoholic beverages ................................................................................... 78,159 73.6 50.5 23.2 26.4 

 Housing....................................................................................................... 3,258,013 69.8 49.0 20.9 30.2 

 Shelter ..................................................................................................... 1,945,236 64.3 47.9 16.4 35.7 

 Owned dwellings .................................................................................. 1,103,524 99.4 76.0 23.5 .6 

 Mortgage interest and charges ......................................................... 415,786 99.5 98.2 1.3 ( 3 ) 

 Property taxes................................................................................... 344,551 99.4 64.8 34.6 ( 3 ) 

 Maintenance, repairs, insurance, and other expenses .................... 343,187 99.5 60.2 39.2 ( 3 ) 

 Rented dwellings.................................................................................. 669,166 1.9 .7 1.1 98.1 

 Other lodging........................................................................................ 172,546 81.9 51.0 30.9 18.1 

 Utilities, fuels, and public services .......................................................... 609,999 76.7 47.3 29.4 23.3 

 Natural gas........................................................................................... 71,739 81.8 50.9 30.9 18.2 

 Electricity .............................................................................................. 225,710 74.9 45.1 29.7 25.1 

 Fuel oil and other fuels......................................................................... 21,506 85.8 45.0 40.8 ( 3 ) 

 Telephone services .............................................................................. 191,929 72.2 45.9 26.3 27.8 

 Residential phone service, VOIP, and phone cards......................... 19,716 84.5 36.5 48.0 15.5 

 Cellular phone service ...................................................................... 172,214 70.8 47.0 23.8 29.2 

 Water and other public services .......................................................... 99,115 84.0 52.8 31.2 16.0 

 Household operations ............................................................................. 247,981 78.9 54.7 24.3 21.1 

 Personal services................................................................................. 65,450 79.7 70.3 ( 3 ) 20.3 

 Other household expenses .................................................................. 182,531 78.7 49.0 29.6 21.3 

 Housekeeping supplies ........................................................................... 105,461 76.9 50.5 26.5 23.1 

 Laundry and cleaning supplies ............................................................ 22,757 72.4 45.7 26.8 27.6 

 Other household products.................................................................... 65,552 79.3 53.4 25.9 20.7 

 Postage and stationery ........................................................................ 17,151 73.9 45.9 28.0 26.1 

 Household furnishings and equipment.................................................... 349,336 79.7 53.4 26.3 20.3 

 Household textiles................................................................................ 18,516 77.8 53.8 23.9 22.2 

 Furniture............................................................................................... 100,050 78.8 51.8 27.0 21.2 

 Floor coverings..................................................................................... 4,504 84.4 57.2 27.2 15.6 

 Major appliances .................................................................................. 54,687 83.8 53.1 30.7 16.2 

 Small appliances and miscellaneous housewares .............................. 19,045 70.7 43.3 27.4 29.3 

 Miscellaneous household equipment................................................... 152,534 80.1 55.7 24.4 19.9 

 Apparel and services .................................................................................. 260,599 70.5 50.6 19.9 29.5 

 Men and boys.......................................................................................... 60,825 74.0 55.3 18.7 26.0 

 Men, 16 and over ................................................................................. 46,479 72.6 51.8 20.7 27.4 

 Boys, 2 to 15 ........................................................................................ 14,346 78.6 66.6 12.0 21.4 

 Women and girls ..................................................................................... 98,514 72.2 50.2 22.1 27.8 

 Women, 16 and over............................................................................ 86,260 71.3 47.7 23.5 28.7 

 Girls, 2 to 15......................................................................................... 12,255 78.8 67.1 ( 3 ) 21.2 

 Children under 2...................................................................................... 9,903 62.1 54.7 ( 3 ) ( 3 ) 

 Footwear.................................................................................................. 53,423 71.2 52.4 18.8 28.8 

 Other apparel products and services ...................................................... 37,934 61.6 40.6 21.0 38.4 

 Transportation ............................................................................................ 1,648,616 73.8 50.2 23.6 26.2 

 Vehicle purchases (net outlay)................................................................ 602,859 74.4 52.4 22.0 25.6 

 Cars and trucks, new ........................................................................... 294,368 80.2 54.0 26.2 19.8 

 Cars and trucks, used .......................................................................... 300,222 68.7 50.7 17.9 31.3 

 Other vehicles ...................................................................................... 8,269 ( 3 ) ( 3 ) ( 3 ) 25.1 

 Gasoline, other fuels, and motor oil ........................................................ 418,327 73.6 48.2 25.4 26.4 

 Other vehicle expenses........................................................................... 514,121 73.4 49.3 24.1 26.6 

 Vehicle finance charges....................................................................... 39,501 74.1 57.3 16.8 25.9 

 Maintenance and repairs ..................................................................... 155,554 74.8 47.6 27.2 25.2 

 Vehicle rental, leases, licenses, and other charges ............................ 105,564 74.9 53.9 21.0 25.1 

 Vehicle insurance................................................................................. 213,503 71.5 46.8 24.8 28.5 

 Public and other transportation ............................................................... 113,309 73.6 50.3 23.3 26.4 

 Healthcare .................................................................................................. 784,461 80.4 46.7 33.6 19.6 

 Health insurance ..................................................................................... 515,341 80.1 46.7 33.3 19.9 

 Medical services...................................................................................... 158,696 81.1 51.0 30.2 18.9 

 Drugs ....................................................................................................... 82,408 80.9 38.9 42.0 19.1 

 Medical supplies...................................................................................... 28,016 79.6 45.8 33.8 20.4 

 Entertainment ............................................................................................. 463,625 80.4 53.1 27.3 19.6 

 Fees and admissions .............................................................................. 111,620 82.4 55.9 26.5 17.6 

 Audio and visual equipment and services............................................... 136,793 75.9 45.8 30.1 24.1 

See footnotes at end of table.
Table 1710. Housing tenure: Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Surveys, 2022 

— Continued

 (Aggregates in millions of dollars, unless otherwise indicated)

Homeowner

Item Aggregate Total Homeowner

with mortgage

Homeowner

without mortgage Renter

 Pets, toys, hobbies, and playground equipment..................................... 121,681 80.7 54.5 26.2 19.3 

 Pets ...................................................................................................... 99,286 81.9 55.0 26.9 18.1 

 Toys, hobbies, and playground equipment.......................................... 22,395 75.2 51.9 23.3 24.8 

 Other entertainment supplies, equipment, and services ........................ 93,530 84.3 58.8 ( 3 ) 15.7 

 Personal care products and services ......................................................... 116,121 72.2 49.4 22.9 27.8 

 Reading ...................................................................................................... 15,644 72.3 43.5 28.8 27.7 

 Education.................................................................................................... 179,063 73.6 48.9 24.8 26.4 

 Tobacco products and smoking supplies ................................................... 49,790 63.4 36.5 27.0 36.6 

 Miscellaneous............................................................................................. 135,227 75.7 45.9 29.8 24.3 

 Cash contributions...................................................................................... 369,374 85.5 48.4 37.1 14.5 

 Personal insurance and pensions .............................................................. 1,172,216 78.6 59.7 19.0 21.4 

 Life and other personal insurance........................................................... 69,620 84.8 56.1 28.7 15.2 

 Pensions and Social Security.................................................................. 1,102,596 78.2 59.9 18.3 21.8 

Sources of income and personal taxes:

 Income before taxes ................................................................................... $12,604,933 77.9 55.2 22.7 22.1 

 Wages and salaries................................................................................. 9,818,116 77.1 59.5 17.6 22.9 

 Self-employment income......................................................................... 863,769 79.1 56.0 23.1 20.9 

 Social Security, private and government retirement............................... 1,396,199 84.2 31.9 52.4 15.8 

 Interest, dividends, rental income, and other property income............... 307,597 90.9 40.1 50.7 9.1 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP)................................................. 83,294 37.4 16.6 20.8 62.6 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support ................................................... 89,571 74.5 47.4 27.1 25.5 

 Other income........................................................................................... 46,387 28.1 13.8 ( 3 ) 71.9 

 Personal taxes (contains some imputed values) ....................................... 1,449,337 87.0 68.0 19.0 13.0 

 Federal income taxes.............................................................................. 1,068,402 89.1 70.0 19.1 10.9 

 Stimulus payment (through Q20221)...................................................... ( 4 ) ( 4 ) ( 4 ) ( 4 ) ( 4 ) 

 State and local income taxes .................................................................. 369,717 80.8 62.4 18.4 19.2 

 Other taxes.............................................................................................. 11,217 87.9 57.7 30.2 12.1 

 Income after taxes ...................................................................................... 11,155,596 76.7 53.5 23.2 23.3 

1

 Data are rounded to the nearest thousands.

2

 Value is too small to display.

3

 Data are suppressed due to the Relative Standard Error (RSE) being equal to or greater than 25 percent. See www.bls.gov/cex/tables-getting-started-guide.htm for more information.

4

 No data reported.

n.a. Not applicable.

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2023