Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

two or

more

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Number of consumer units (in thousands) ....... 82,811 4,311 15,186 19,915 18,853 12,432 12,114 7,284 4,829 

Consumer unit characteristics: 

Income before taxes ..................................... $67,844 $37,557 $59,438 $74,747 $81,666 $74,507 $49,463 $55,073 $41,000 

Income after taxes ........................................ 65,211 37,148 57,765 71,967 77,680 71,013 48,067 53,658 39,634 

Age of reference person ................................ 47.0 21.9 29.8 39.7 49.3 59.1 73.5 69.2 80.1 

Average number in consumer unit:

Persons ........................................................ 3.1 3.0 3.4 3.7 3.1 2.6 2.3 2.4 2.2 

Children under 18 ........................................ .9 .8 1.4 1.6 .7 .2 .1 .1 .1 

Persons 65 and over .................................... .3 1 ( ) 1 ( ) 1 ( ) .1 .1 1.7 1.6 1.8 

Earners ........................................................ 1.6 1.8 1.7 1.8 2.0 1.6 .7 .9 .4 

Vehicles ....................................................... 2.3 1.7 2.0 2.3 2.7 2.6 2.1 2.2 1.8 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 40 44 45 48 54 59 58 61 

Female ......................................................... 51 60 56 55 52 46 41 42 39 

Housing tenure:

Homeowner .................................................. 74 27 54 73 82 89 90 90 88 

With mortgage ............................................ 50 19 47 62 63 51 25 32 14 

Without mortgage ....................................... 24 8 7 11 18 38 65 59 74 

Renter .......................................................... 26 73 46 27 18 11 10 10 12 

Race of reference person:

Black or African-American ........................... 12 15 14 13 12 10 9 9 8 

White, Asian, and all other races ................. 88 85 86 87 88 90 91 91 92 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 12 22 19 15 10 8 6 6 5 

Not Hispanic or Latino .................................. 88 78 81 85 90 92 94 94 95 

Education of reference person:

Elementary (1-8) .......................................... 5 4 4 4 4 5 10 8 13 

High school (9-12) ........................................ 36 47 33 36 33 36 41 42 40 

College ......................................................... 59 49 63 60 63 59 48 50 47 

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

At least one vehicle owned or leased ............ 93 85 91 93 95 96 93 94 92 

Average annual expenditures .......................... $52,613 $35,189 $47,896 $57,059 $60,668 $56,709 $40,865 $44,850 $34,905 

Food ............................................................... 6,975 5,151 6,318 7,732 7,951 7,205 5,547 6,008 4,874 

Food at home ............................................... 3,992 2,727 3,510 4,468 4,483 4,075 3,489 3,692 3,195 

Cereals and bakery products ..................... 544 384 474 628 598 531 488 504 466 

Cereals and cereal products .................... 180 147 168 214 194 165 143 147 137 

Bakery products ....................................... 364 236 305 414 404 366 345 357 329 

Meats, poultry, fish, and eggs .................... 1,003 703 860 1,107 1,157 1,043 860 934 753 

Beef .......................................................... 304 231 259 340 355 309 249 268 223 

Pork .......................................................... 204 130 168 227 230 226 181 199 155 

Other meats ............................................. 129 84 111 145 148 127 118 132 98 

Poultry ...................................................... 176 139 170 193 206 173 126 138 108 

Fish and seafood ..................................... 146 83 113 155 171 159 146 155 132 

Eggs ......................................................... 44 35 39 45 47 48 41 43 38 

Dairy products ............................................ 450 301 400 514 498 444 397 421 362 

Fresh milk and cream .............................. 175 132 167 208 182 162 149 152 145 

Other dairy products ................................ 275 169 232 307 316 282 248 270 217 

Fruits and vegetables ................................. 662 425 563 711 729 715 646 679 598 

Fresh fruits ............................................... 218 129 178 231 244 239 222 231 209 

Fresh vegetables ..................................... 214 131 177 224 240 245 207 225 180 

Processed fruits ....................................... 127 95 115 141 134 125 125 125 125 

Processed vegetables .............................. 103 70 94 115 112 106 92 98 84 

See footnotes at end of table.
Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

two or

more

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Other food at home .................................... $1,333 $915 $1,213 $1,508 $1,501 $1,342 $1,097 $1,154 $1,015 

Sugar and other sweets ........................... 148 79 117 161 174 158 143 150 133 

Fats and oils ............................................. 104 64 89 110 118 112 96 98 94 

Miscellaneous foods ................................ 680 497 662 789 744 631 544 558 525 

Nonalcoholic beverages ........................... 352 259 313 402 409 363 259 284 225 

Food prepared by consumer unit on

out-of-town trips ..................................... 50 15 31 46 55 78 54 64 39 

Food away from home ................................. 2,983 2,424 2,808 3,265 3,468 3,130 2,058 2,316 1,680 

Alcoholic beverages ....................................... 483 432 479 524 509 520 360 420 273 

Housing .......................................................... 16,654 11,503 16,179 18,880 18,321 17,024 12,492 13,442 11,066

Shelter .......................................................... 9,445 6,859 9,612 10,903 10,618 9,177 6,211 6,681 5,502 

Owned dwellings ........................................ 6,793 1,973 5,730 8,194 8,310 7,307 4,651 5,133 3,923 

Mortgage interest and charges ................ 3,902 1,301 3,906 5,367 4,864 3,478 1,350 1,765 725 

Property taxes .......................................... 1,710 406 1,112 1,806 2,061 2,092 1,827 1,883 1,743 

Maintenance, repairs, insurance, other

expenses ................................................ 1,182 266 712 1,022 1,385 1,736 1,473 1,486 1,455 

Rented dwellings ........................................ 2,067 4,725 3,632 2,263 1,466 936 933 801 1,131 

Other lodging ............................................. 585 161 249 446 841 934 628 746 448 

Utilities, fuels, and public services ............... 3,521 2,394 3,084 3,719 3,929 3,766 3,260 3,447 2,979 

Natural gas ................................................. 512 265 432 537 553 559 551 567 526 

Electricity .................................................... 1,286 873 1,108 1,360 1,418 1,384 1,229 1,305 1,113 

Fuel oil and other fuels ............................... 147 57 75 129 183 188 202 205 197 

Telephone services .................................... 1,172 997 1,139 1,261 1,328 1,197 861 938 746 

Water and other public services ................. 404 203 330 433 447 437 418 433 397 

Household operations .................................. 927 575 1,157 1,221 769 762 698 702 691 

Personal services ....................................... 405 399 786 740 167 75 88 89 87 

Other household expenses ........................ 522 176 371 481 603 687 610 613 605 

Housekeeping supplies ................................ 718 362 573 782 821 823 674 735 586 

Laundry and cleaning supplies .................. 170 103 157 186 193 182 142 153 126 

Other household products .......................... 366 162 267 413 435 417 341 367 304 

Postage and stationery .............................. 181 96 149 183 194 223 191 216 156 

Household furnishings and equipment ......... 2,042 1,313 1,754 2,255 2,184 2,497 1,650 1,878 1,307 

Household textiles ...................................... 173 89 130 191 190 212 165 142 198 

Furniture ..................................................... 538 436 549 645 481 617 391 478 261 

Floor coverings .......................................... 66 15 47 59 92 93 49 63 28 

Major appliances ........................................ 262 145 213 274 268 320 278 267 293 

Small appliances, miscellaneous

housewares .............................................. 123 91 106 110 143 163 110 123 90 

Miscellaneous household equipment ......... 880 538 708 975 1,010 1,093 656 805 438 

Apparel and services ..................................... 2,209 1,941 2,375 2,460 2,555 2,133 1,236 1,540 793 

Men and boys .............................................. 515 360 519 615 632 447 296 390 159 

Men, 16 and over ....................................... 394 305 370 394 522 392 262 342 146 

Boys, 2 to 15 .............................................. 121 54 148 220 110 55 34 49 13 

Women and girls .......................................... 886 811 847 948 1,089 882 554 695 351 

Women, 16 and over .................................. 731 744 685 666 925 811 518 648 330 

Girls, 2 to 15 ............................................... 154 67 162 282 164 71 36 47 21 

Children under 2 .......................................... 107 186 223 113 64 64 30 38 19 

Footwear ...................................................... 383 337 424 447 424 387 178 207 136 

Other apparel products and services ........... 318 247 362 338 346 353 177 210 129 

Transportation ................................................ 9,747 7,800 9,459 10,533 10,922 10,462 6,946 7,937 5,451 

Vehicle purchases (net outlay) ..................... 4,274 3,617 4,427 4,827 4,475 4,565 2,796 3,288 2,054 

Cars and trucks, new ................................. 2,273 831 2,079 2,591 2,331 2,935 1,734 2,023 1,299 

Cars and trucks, used ................................ 1,913 2,689 2,291 2,095 2,015 1,573 1,056 1,255 756 

Other vehicles ............................................ 88 97 57 141 129 57 36 311 4 ( )

Gasoline and motor oil ................................. 2,170 1,853 2,107 2,317 2,512 2,242 1,517 1,738 1,182 

See footnotes at end of table.
Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

two or

more

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Other vehicle expenses ............................... $2,784 $2,088 $2,567 $2,901 $3,324 $2,953 $2,095 $2,305 $1,777 

Vehicle finance charges ............................. 387 278 458 459 421 385 167 220 87 

Maintenance and repairs ........................... 759 564 627 752 918 835 683 739 599 

Vehicle insurance ....................................... 1,112 887 989 1,137 1,372 1,130 881 919 823 

Vehicle rental, leases, licenses, and other

charges .................................................... 526 359 493 553 614 604 364 427 269 

Public transportation .................................... 519 242 358 489 611 702 538 605 438 

Healthcare ...................................................... 2,995 1,048 1,736 2,517 3,044 3,941 5,011 4,825 5,290 

Health insurance .......................................... 1,545 524 959 1,303 1,479 1,865 2,813 2,728 2,941 

Medical services .......................................... 771 324 455 749 883 1,110 841 851 826 

Drugs ........................................................... 554 161 249 364 535 793 1,178 1,080 1,325 

Medical supplies .......................................... 125 39 73 101 147 173 179 167 198 

Entertainment ................................................. 2,701 1,614 2,485 2,858 3,153 3,118 1,977 2,369 1,389 

Fees and admissions ................................... 660 269 466 768 805 763 535 614 416 

Audio and visual equipment and services .... 955 746 939 1,043 1,083 937 722 795 613 

Pets, toys, hobbies, and playground

equipment .................................................. 477 300 473 507 566 544 292 358 194 

Other entertainment supplies, equipment,

and services ............................................... 609 299 607 541 698 874 428 602 165 

Personal care products and services ............. 650 411 569 706 743 677 580 605 543 

Reading .......................................................... 140 55 93 128 156 189 174 174 174 

Education ....................................................... 1,070 965 702 977 2,014 949 380 416 326 

Tobacco products and smoking supplies ....... 348 397 325 363 428 358 198 236 140 

Miscellaneous ................................................ 836 397 695 804 910 992 946 972 909 

Cash contributions ......................................... 1,687 507 1,015 1,486 1,971 2,102 2,410 2,641 2,061 

Personal insurance and pensions .................. 6,120 2,966 5,465 7,092 7,991 7,039 2,608 3,266 1,616 

Life and other personal insurance ................ 482 62 265 448 567 722 581 612 534 

Pensions and Social Security ...................... 5,638 2,905 5,200 6,644 7,424 6,317 2,027 2,654 1,082 

Sources of income and personal taxes: 

Money income before taxes ........................... 67,844 37,557 59,438 74,747 81,666 74,507 49,463 55,073 41,000 

Wages and salaries ..................................... 55,009 33,829 54,809 67,198 71,098 55,924 16,780 21,549 9,587 

Self-employment income ............................. 4,208 1,273 2,622 4,520 5,935 4,600 3,634 5,058 1,487 

Social Security, private and government

retirement ................................................... 6,062 325 363 820 2,373 10,599 24,954 24,898 25,038 

Interest, dividends, rental income, other

property income ......................................... 1,366 314 393 777 943 2,466 3,460 2,916 4,281 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 249 97 223 285 322 285 124 153 80 

Public assistance, supplemental security

income, food stamps .................................. 362 576 438 366 334 322 271 277 263 

Regular contributions for support ................. 422 805 370 656 448 184 166 122 233 

Other income ............................................... 166 337 222 124 214 128 72 99 331 

Personal taxes ............................................... 2,633 408 1,673 2,780 3,986 3,494 1,395 1,415 1,365 

Federal income taxes ................................... 1,842 179 1,054 1,915 2,900 2,491 991 1,010 962 

State and local income taxes ....................... 591 209 502 703 836 719 142 144 138 

Other taxes .................................................. 199 21 117 163 249 284 262 261 265 

Income after taxes ......................................... 65,211 37,148 57,765 71,967 77,680 71,013 48,067 53,658 39,634 

See footnotes at end of table.
Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

two or

more

persons

Under

25

years

25-34

years

35-44

years

45-54

years

55-64

years

65 years

and older

65-74

years

75 years

and older

Addenda:

Net change in total assets and liabilities ........ - $10,036 - $1,140 - $10,604 - $16,367 - $12,057 - $4,808 - $4,301 - $4,717 - $3,674 

Net change in total assets ............................ 11,966 14,993 18,730 15,597 9,057 11,086 1,873 2,496 933 

Net change in total liabilities ........................ 22,002 16,133 29,335 31,964 21,113 15,894 6,174 7,213 4,607 

Other financial information:

Other money receipts ................................... 600 92 338 383 530 1,579 566 616 491 

Mortgage principal paid on owned

property ...................................................... -2,419 -434 -1,693 -2,846 -3,266 -3,102 -1,312 -1,735 -672 

Estimated market value of owned home ...... 176,054 43,373 109,335 175,985 206,858 232,703 200,950 212,137 184,075 

Estimated monthly rental value of owned

home .......................................................... 925 258 628 969 1,062 1,136 1,029 1,065 975 

Gifts of goods and services ............................ 1,292 509 612 992 2,113 1,877 1,051 1,260 743 

Food ............................................................. 114 9 41 89 213 184 60 72 43 

Alcoholic beverages ..................................... 18 29 12 24 22 13 9 11 6 

Housing ........................................................ 281 145 161 238 405 428 210 258 137 

Housekeeping supplies .............................. 54 28 38 67 62 67 38 47 26 

Household textiles ...................................... 19 312 12 18 22 32 15 19 9 

Appliances and miscellaneous

housewares .............................................. 31 18 25 24 33 53 33 42 20 

Major appliances ...................................... 10 34 3 8 12 23 11 16 34 

Small appliances and miscellaneous

housewares ............................................ 21 14 22 16 22 30 22 26 15 

Miscellaneous household equipment ......... 70 37 40 78 87 100 48 56 38 

Other housing ............................................ 107 50 47 52 200 176 75 95 44 

Apparel and services ................................... 270 170 211 287 290 362 232 319 106 

Males, 2 and over ...................................... 69 38 42 80 72 91 70 103 23 

Females, 2 and over .................................. 100 57 64 104 114 142 94 134 36 

Children under 2 ........................................ 48 45 62 49 44 54 26 32 17 

Other apparel products and services ......... 53 30 43 54 60 74 42 50 30 

Jewelry and watches ................................ 14 8 11 13 18 21 11 14 7 

All other apparel products and services ... 39 322 32 41 42 53 31 36 323 

Transportation .............................................. 60 15 43 50 88 77 52 64 34 

Health care ................................................... 32 310 17 32 51 32 28 21 37 

Entertainment ............................................... 83 35 48 65 115 141 63 83 33 

Toys, games, arts and crafts, and

tricycles .................................................... 29 11 17 21 31 56 31 41 15 

Other entertainment ................................... 54 24 31 44 84 85 32 42 18 

Personal care products and services ........... 25 26 18 34 27 22 21 23 18 

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

Education ..................................................... 313 312 19 112 798 441 237 219 264 

All other gifts ................................................ 95 58 43 60 101 176 137 186 63 

1 Value less than 0.05. 2 Value less than or equal to 0.5. 3 Data are likely to have large sampling errors.4 No data reported.

n.a. Not applicable.