Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021

Item 

Total 

35-44

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................................................... 22,614 1,586 1,850 1,426 1,696 3,021 3,731 9,304 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $106,176 $6,245 $22,785 $34,860 $44,780 $59,374 $83,622 $186,148 

 Income after taxes ...................................................................................... 95,339 9,530 29,342 39,945 48,262 60,710 80,319 157,423 

 Age of reference person ............................................................................. 39.4 39.5 39.5 39.5 39.2 39.4 39.3 39.4 

 Average number in consumer unit: 

 People ..................................................................................................... 3.3 2.5 3.0 3.0 3.1 3.2 3.4 3.7 

 Children under 18.................................................................................... 1.4 1.1 1.3 1.3 1.4 1.4 1.4 1.6 

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

.1 3.1 ( 2

 ) .1 ( 2 ) ( 2 ) 

 Earners .................................................................................................... 1.6 .6 1.0 1.3 1.3 1.6 1.7 2.0 

 Vehicles ................................................................................................... 1.9 .9 1.2 1.4 1.5 1.8 2.1 2.4 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 49 42 43 41 43 44 50 55 

 Women .................................................................................................... 51 58 57 59 57 56 50 45 

 Housing tenure: 

 Homeowner ............................................................................................. 61 29 31 37 43 48 68 81 

 With mortgage ...................................................................................... 51 20 17 23 36 38 58 72 

 Without mortgage................................................................................. 10 9 14 15 7 9 10 10 

 Renter ...................................................................................................... 39 71 69 63 57 52 32 19 

 Race of reference person: 

 Black or African-American ...................................................................... 15 25 22 23 25 19 15 7 

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

 African-American ................................................................................. 85 75 78 77 75 81 85 93 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 19 29 35 27 22 25 18 11 

 Not Hispanic or Latino ............................................................................. 81 71 65 73 78 75 82 89 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 24 48 51 43 33 29 20 9 

 College .................................................................................................... 74 44 44 52 61 68 79 90 

 Never attended and other ....................................................................... ( 2 ) 1 ( 2 ) 2 ( 2 ) ( 2 ) ( 4 ) ( 2 ) 

 At least one vehicle owned or leased ........................................................ 92 67 76 89 89 95 95 97 

Average annual expenditures........................................................................ $77,019 $35,686 $35,212 $44,145 $47,614 $56,719 $68,601 $112,320 

 Food ........................................................................................................... 9,573 6,118 5,652 7,721 5,807 7,361 8,967 12,691 

 Food at home .......................................................................................... 6,198 4,887 3,901 5,611 3,830 4,977 6,008 7,770 

 Cereals and bakery products ............................................................... 831 615 596 697 476 656 845 1,039 

 Cereals and cereal products ............................................................ 279 212 204 259 160 221 279 344 

 Bakery products ................................................................................ 552 403 392 439 316 435 567 695 

 Meats, poultry, fish, and eggs .............................................................. 1,290 1,143 985 1,184 904 998 1,244 1,563 

 Beef ................................................................................................... 357 319 255 388 233 273 359 422 

 Pork ................................................................................................... 247 226 181 220 189 202 231 298 

 Other meats ...................................................................................... 177 151 147 178 127 133 167 212 

 Poultry ............................................................................................... 235 208 225 199 184 182 238 273 

 Fish and seafood .............................................................................. 192 155 121 132 121 137 171 259 

 Eggs .................................................................................................. 82 84 56 67 50 71 78 101 

 Dairy products ...................................................................................... 580 438 308 518 358 460 573 738 

 Fresh milk and cream ....................................................................... 189 160 123 186 137 161 181 227 

 Other dairy products ......................................................................... 390 279 184 332 221 299 392 511 

 Fruits and vegetables .......................................................................... 1,205 954 734 1,102 761 1,016 1,148 1,503 

 Fresh fruits ........................................................................................ 437 348 246 431 289 350 379 560 

 Fresh vegetables .............................................................................. 369 284 236 301 259 308 352 463 

 Processed fruits ................................................................................ 160 140 103 156 96 154 158 189 

 Processed vegetables ...................................................................... 239 182 150 215 117 204 258 291 

 Other food at home .............................................................................. 2,291 1,737 1,278 2,110 1,332 1,846 2,199 2,927 

 Sugar and other sweets .................................................................... 212 158 131 177 145 201 216 253 

 Fats and oils ..................................................................................... 152 106 111 126 97 121 153 188 

 Miscellaneous foods ......................................................................... 1,256 842 594 1,259 710 967 1,208 1,635 

See footnotes at end of table. 
Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021 — Continued 

Item 

Total 

35-44

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 

 Nonalcoholic beverages ................................................................... 595 604 402 517 347 515 567 724 

 Food prepared by consumer unit on out of town trips ...................... 77 327 340 330 332 42 54 127 

 Food away from home ............................................................................ 3,376 1,231 1,751 2,110 1,976 2,384 2,959 4,921 

 Alcoholic beverages ................................................................................... 574 123 218 278 213 303 477 941 

 Housing ...................................................................................................... 26,398 17,456 15,425 16,477 18,925 20,395 22,685 36,361 

 Shelter ..................................................................................................... 15,349 11,116 9,309 9,803 11,739 11,978 13,177 20,745 

 Owned dwellings .................................................................................. 8,887 2,588 1,879 2,593 4,101 4,719 7,648 15,041 

 Mortgage interest and charges ......................................................... 4,334 1,156 830 1,276 2,009 2,321 3,823 7,323 

 Property taxes ................................................................................... 2,514 671 541 704 1,168 1,214 1,981 4,380 

 Maintenance, repairs, insurance, and other expenses .................... 2,039 761 508 613 924 1,183 1,845 3,338 

 Rented dwellings.................................................................................. 5,622 7,526 7,224 7,013 7,393 6,993 5,072 4,219 

 Other lodging ....................................................................................... 840 1,003 3206 3197 244 266 457 1,485 

 Utilities, fuels, and public services .......................................................... 4,543 3,099 3,249 3,599 3,864 4,242 4,656 5,367 

 Natural gas ........................................................................................... 463 325 317 357 353 375 423 597 

 Electricity .............................................................................................. 1,636 1,306 1,313 1,439 1,515 1,509 1,669 1,837 

 Fuel oil and other fuels ........................................................................ 84 313 334 327 394 49 100 119 

 Telephone services .............................................................................. 1,621 979 1,185 1,253 1,404 1,665 1,710 1,863 

 Residential phone service, VOIP, and phone cards ........................ 97 94 106 60 84 68 89 117 

 Cellular phone service ...................................................................... 1,523 885 1,079 1,193 1,319 1,596 1,621 1,746 

 Water and other public services .......................................................... 738 476 399 523 498 644 754 951 

 Household operations ............................................................................. 2,304 837 709 854 1,078 1,240 1,649 3,923 

 Personal services................................................................................. 1,043 3148 3126 3116 3226 292 575 2,101 

 Other household expenses .................................................................. 1,260 690 583 738 852 948 1,074 1,822 

 Housekeeping supplies ........................................................................... 811 560 535 609 521 686 760 1,041 

 Laundry and cleaning supplies ............................................................ 192 209 154 171 169 141 228 207 

 Other household products ................................................................... 513 301 335 372 251 439 467 686 

 Postage and stationery ........................................................................ 106 50 45 66 101 105 65 148 

 Household furnishings and equipment ................................................... 3,391 1,843 1,623 1,612 1,723 2,250 2,443 5,285 

 Household textiles................................................................................ 133 54 70 65 86 147 151 164 

 Furniture ............................................................................................... 813 851 490 333 366 651 608 1,159 

 Floor coverings .................................................................................... 43 317 39 310 13 16 20 83 

 Major appliances .................................................................................. 457 358 337 284 383 415 392 577 

 Small appliances and miscellaneous housewares .............................. 154 85 89 119 97 127 116 217 

 Miscellaneous household equipment .................................................. 1,791 478 629 801 778 894 1,156 3,084 

 Apparel and services .................................................................................. 2,146 1,172 1,630 1,172 1,565 1,805 1,689 2,936 

 Men and boys .......................................................................................... 551 386 484 303 337 510 428 729 

 Men, 16 and over ................................................................................. 330 3235 349 3148 133 267 201 479 

 Boys, 2 to 15 ........................................................................................ 220 3150 135 155 204 244 227 250 

 Women and girls ..................................................................................... 815 399 508 491 548 717 687 1,112 

 Women, 16 and over ........................................................................... 593 223 325 291 436 536 492 830 

 Girls, 2 to 15 ......................................................................................... 222 3176 183 199 3112 181 195 282 

 Children under 2 ...................................................................................... 111 354 329 3152 3135 397 98 131 

 Footwear ................................................................................................. 431 3128 469 395 391 343 309 608 

 Other apparel products and services ...................................................... 238 206 140 131 155 137 167 356 

 Transportation ............................................................................................ 13,471 4,140 6,068 7,646 9,814 11,683 14,035 18,438 

 Vehicle purchases (net outlay) ............................................................... 6,791 31,010 2,460 2,822 4,939 5,687 7,294 9,740 

 Cars and trucks, new ........................................................................... 3,167 311 3950 3517 31,416 2,058 2,613 5,453 

 Cars and trucks, used .......................................................................... 3,547 999 1,510 2,305 3,330 3,614 4,482 4,220 

 Other vehicles ...................................................................................... 77 ( 4 ) ( 4 ) ( 4 ) 3193 316 3199 66 

 Gasoline, other fuels, and motor oil ........................................................ 2,244 1,334 1,439 1,884 1,957 2,180 2,378 2,633 

 Other vehicle expenses .......................................................................... 3,998 1,666 2,025 2,670 2,771 3,559 4,025 5,339 

 Vehicle finance charges ....................................................................... 360 111 111 193 194 278 369 530 

 Maintenance and repairs ..................................................................... 1,041 519 496 807 740 1,002 1,113 1,307 

 Vehicle rental, leases, licenses, and other charges ............................ 917 218 278 314 439 478 690 1,575 

 Vehicle insurance................................................................................. 1,680 817 1,139 1,356 1,398 1,801 1,853 1,928 

 Public and other transportation ............................................................... 439 131 145 270 147 257 338 726 

 Healthcare .................................................................................................. 4,864 1,581 1,307 2,216 2,776 3,834 4,928 7,217 

 Health insurance ..................................................................................... 3,213 968 864 1,459 1,927 2,657 3,383 4,679 

 Medical services ...................................................................................... 1,121 435 192 351 503 729 1,096 1,790 

 Drugs ....................................................................................................... 381 146 150 303 253 327 314 539 

 Medical supplies ...................................................................................... 150 332 101 104 93 121 136 209 

 Entertainment ............................................................................................. 3,965 1,272 1,409 2,922 1,608 2,209 2,938 6,414 

 Fees and admissions .............................................................................. 935 349 205 247 136 306 523 1,793 

 Audio and visual equipment and services .............................................. 1,091 523 591 894 762 868 937 1,500 

 Pets, toys, hobbies, and playground equipment..................................... 1,178 239 424 1,547 454 705 1,082 1,685 

See footnotes at end of table. 
Table 3224. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021 — Continued 

Item 

Total 

35-44

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 

 Pets ...................................................................................................... 894 146 369 1,419 296 530 850 1,228 

 Toys, hobbies, and playground equipment ......................................... 284 393 355 3128 3158 175 232 457 

 Other entertainment supplies, equipment, and services ........................ 762 161 189 234 256 330 396 1,436 

 Personal care products and services ......................................................... 804 416 409 617 543 556 751 1,113 

 Reading ...................................................................................................... 99 327 32 30 48 82 89 153 

 Education.................................................................................................... 1,103 349 330 629 476 616 787 1,853 

 Tobacco products and smoking supplies ................................................... 374 484 374 359 374 452 475 292 

 Miscellaneous ............................................................................................. 1,102 997 355 660 822 734 1,032 1,528 

 Cash contributions...................................................................................... 2,066 1,044 443 689 700 1,001 1,536 3,581 

 Personal insurance and pensions .............................................................. 10,481 507 1,560 2,729 3,942 5,687 8,212 18,801 

 Life and other personal insurance .......................................................... 480 92 113 105 148 279 385 841 

 Pensions and Social Security ................................................................. 10,001 415 1,447 2,624 3,793 5,408 7,826 17,960 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $106,176 $6,245 $22,785 $34,860 $44,780 $59,374 $83,622 $186,148 

 Wages and salaries................................................................................. 94,760 3,887 15,752 27,702 38,795 53,055 75,649 167,638 

 Self-employment income ........................................................................ 7,123 -1,615 1,035 1,873 2,468 3,134 4,831 13,691 

 Social Security, private and government retirement ............................... 1,204 1,021 2,587 1,566 3691 1,027 1,102 1,096 

 Interest, dividends, rental income, and other property income .............. 1,117 386 384 356 200 212 375 2,373 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 698 1,911 2,103 1,060 1,094 727 384 200 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,079 578 1,022 2,151 1,165 1,086 1,127 974 

 Other income ........................................................................................... 195 3376 3202 3152 3367 134 153 175 

 Personal taxes (contains some imputed values) ....................................... 10,836 -3,285 -6,557 -5,085 -3,482 -1,337 3,303 28,725 

 Federal income taxes .............................................................................. 10,164 -1,284 -3,904 -2,471 -1,423 730 3,937 24,520 

 Stimulus payment (new UCC Q20202)# ................................................ -2,725 -1,905 -2,594 -2,972 -2,684 -3,277 -2,884 -2,617 

 State and local income taxes .................................................................. 3,336 -109 -87 301 604 1,185 2,173 6,731 

 Other taxes .............................................................................................. 62 312 328 357 322 325 77 91 

 Income after taxes ...................................................................................... 95,339 9,530 29,342 39,945 48,262 60,710 80,319 157,423 

Addenda: 

 Net change in total assets and liabilities .................................................... -$954 $4,115 -$2,889 -$4,204 $9,271 $5,493 $583 -$5,509 

 Net change in total assets ....................................................................... 37,598 3,166 1,944 4,206 15,184 16,369 21,064 73,280 

 Net change in total liabilities ................................................................... 38,552 -949 4,832 8,410 5,913 10,876 20,482 78,789 

 Other financial information: 

 Other money receipts .............................................................................. 450 31,053 3495 31,790 334 3360 3173 350 

 Mortgage principal paid on owned property ........................................... -3,212 -790 -683 -880 -1,392 -1,659 -2,624 -5,558 

 Estimated market value of owned home................................................. 230,964 64,204 64,086 69,249 95,283 110,388 191,557 397,031 

 Estimated monthly rental value of owned home ..................................... 1,221 417 380 448 624 713 1,124 1,957 

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, 2022