Table 3630. Consumer units of three people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021

Item 

Total 

three 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

Number of consumer units (in thousands)1.................................................... 19,132 602 3,536 3,908 4,649 3,838 2,599 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $104,885 $54,059 $95,602 $99,334 $118,882 $129,455 $76,296 

 Income after taxes ...................................................................................... 92,474 55,194 87,747 89,825 104,422 103,527 73,818 

 Age of reference person ............................................................................. 48.0 21.8 30.0 39.4 49.5 58.9 72.2 

 Average number in consumer unit: 

 People ...................................................................................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 

 Children under 18 .................................................................................... .7 .7 1.0 1.1 .7 .2 .2 

 Adults 65 and older .................................................................................. .3 ( 2 ) ( 2 ) ( 2 ) .1 .2 1.6 

 Earners .................................................................................................... 1.7 1.9 1.7 1.6 2.0 2.0 1.2 

 Vehicles ................................................................................................... 2.2 1.7 1.9 1.9 2.4 2.6 2.2 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 44 45 43 41 39 48 51 

 Women ..................................................................................................... 56 55 57 59 61 52 49 

 Housing tenure: 

 Homeowner.............................................................................................. 69 28 51 58 74 84 86 

 With mortgage ...................................................................................... 47 17 41 48 58 52 34 

 Without mortgage ................................................................................. 22 11 10 10 16 32 52 

 Renter ...................................................................................................... 31 72 49 42 26 16 14 

 Race of reference person: 

 Black or African-American ....................................................................... 15 9 13 17 13 14 18 

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

 African-American .................................................................................. 85 91 87 83 87 86 82 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 18 49 22 18 17 14 12 

 Not Hispanic or Latino ............................................................................. 82 51 78 82 83 86 88 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 28 51 26 23 24 29 37 

 College ..................................................................................................... 69 47 73 75 72 67 57 

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

 At least one vehicle owned or leased ......................................................... 93 86 93 91 96 94 91 

Average annual expenditures ........................................................................ $74,487 $44,496 $68,043 $74,596 $83,274 $85,154 $58,993 

 Food ............................................................................................................ 9,055 4,965 7,754 9,430 9,592 9,928 9,238 

 Food at home ........................................................................................... 5,850 3,408 5,062 6,050 6,005 6,337 6,410 

 Cereals and bakery products ............................................................... 739 419 635 816 785 719 814 

 Cereals and cereal products ............................................................. 244 137 224 263 255 249 249 

 Bakery products ................................................................................ 495 282 411 553 530 470 565 

 Meats, poultry, fish, and eggs .............................................................. 1,271 858 990 1,263 1,286 1,478 1,468 

 Beef ................................................................................................... 363 254 296 317 369 458 403 

 Pork ................................................................................................... 241 165 173 236 261 252 316 

 Other meats ....................................................................................... 176 134 145 178 186 188 191 

 Poultry ............................................................................................... 226 154 181 237 225 253 252 

 Fish and seafood ............................................................................... 193 113 129 210 167 254 233 

 Eggs .................................................................................................. 73 37 65 84 78 73 73 

 Dairy products ...................................................................................... 545 236 496 571 528 608 613 

 Fresh milk and cream ........................................................................ 176 111 162 195 168 197 170 

 Other dairy products .......................................................................... 368 125 333 376 360 411 443 

 Fruits and vegetables ........................................................................... 1,148 682 1,048 1,243 1,209 1,156 1,165 

 Fresh fruits......................................................................................... 419 274 409 439 408 443 436 

 Fresh vegetables ............................................................................... 360 213 317 400 391 352 356 

 Processed fruits ................................................................................. 144 88 132 167 157 125 151 

 Processed vegetables ....................................................................... 225 106 190 238 253 236 222 

 Other food at home ............................................................................... 2,146 1,213 1,894 2,157 2,197 2,376 2,349 

 Sugar and other sweets .................................................................... 197 127 161 200 212 211 209 

 Fats and oils ...................................................................................... 143 82 119 149 151 150 161 

 Miscellaneous foods .......................................................................... 1,163 648 1,131 1,137 1,162 1,275 1,264 

See footnotes at end of table. 
Table 3630. Consumer units of three people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021 — Continued 

Item 

Total 

three 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Nonalcoholic beverages .................................................................... 571 333 423 601 595 636 659 

 Food prepared by consumer unit on out of town trips ...................... 73 424 60 69 77 104 56 

 Food away from home ............................................................................. 3,204 1,556 2,693 3,380 3,587 3,591 2,828 

 Alcoholic beverages .................................................................................... 548 4131 537 507 589 770 340 

 Housing ....................................................................................................... 24,720 17,436 24,317 25,590 27,007 26,670 18,719 

 Shelter ...................................................................................................... 14,185 11,313 14,118 14,599 15,855 15,220 9,805 

 Owned dwellings .................................................................................. 8,773 1,839 6,592 7,857 10,511 11,662 7,350 

 Mortgage interest and charges ......................................................... 3,515 4853 3,187 3,893 4,470 3,744 1,963 

 Property taxes ................................................................................... 2,716 641 1,807 2,283 3,081 3,829 2,788 

 Maintenance, repairs, insurance, and other expenses ..................... 2,542 345 1,598 1,680 2,960 4,090 2,600 

 Rented dwellings .................................................................................. 4,504 9,321 7,038 6,173 4,050 2,063 1,845 

 Other lodging ........................................................................................ 908 4152 488 569 1,294 1,495 609 

 Utilities, fuels, and public services ........................................................... 4,924 3,387 4,021 4,574 5,370 5,810 4,928 

 Natural gas ........................................................................................... 471 208 371 451 470 586 526 

 Electricity .............................................................................................. 1,765 1,282 1,474 1,669 1,820 2,021 1,938 

 Fuel oil and other fuels ......................................................................... 138 432 77 113 130 221 174 

 Telephone services .............................................................................. 1,776 1,463 1,502 1,658 2,075 2,043 1,470 

 Residential phone service, VOIP, and phone cards ......................... 174 447 50 105 171 287 314 

 Cellular phone service ....................................................................... 1,602 1,416 1,452 1,554 1,904 1,756 1,156 

 Water and other public services ........................................................... 775 401 598 683 875 938 820 

 Household operations .............................................................................. 1,892 847 2,556 2,579 1,576 1,580 1,215 

 Personal services ................................................................................. 592 4143 1,511 1,193 196 443 464 

 Other household expenses .................................................................. 1,299 704 1,045 1,387 1,379 1,537 1,151 

 Housekeeping supplies............................................................................ 870 455 653 720 993 1,165 846 

 Laundry and cleaning supplies ............................................................. 200 4122 149 199 212 247 200 

 Other household products .................................................................... 552 295 413 423 669 740 513 

 Postage and stationery ......................................................................... 118 439 91 98 112 177 132 

 Household furnishings and equipment .................................................... 2,848 1,435 2,969 3,118 3,213 2,896 1,925 

 Household textiles ................................................................................ 134 456 113 164 189 104 77 

 Furniture ............................................................................................... 740 593 931 887 819 654 277 

 Floor coverings ..................................................................................... 39 44 44 57 34 30 37 

 Major appliances .................................................................................. 517 202 467 488 505 736 404 

 Small appliances and miscellaneous housewares............................... 141 98 89 169 183 141 102 

 Miscellaneous household equipment ................................................... 1,277 481 1,326 1,354 1,483 1,230 1,028 

 Apparel and services .................................................................................. 1,799 798 1,639 1,921 1,924 2,247 1,191 

 Men and boys .......................................................................................... 366 4157 423 463 353 293 345 

 Men, 16 and over .................................................................................. 258 4150 257 285 254 249 281 

 Boys, 2 to 15 ......................................................................................... 108 47 166 178 98 45 65 

 Women and girls ...................................................................................... 664 291 431 711 899 729 453 

 Women, 16 and over ............................................................................ 524 233 371 447 685 672 402 

 Girls, 2 to 15 ......................................................................................... 140 457 60 264 214 57 451 

 Children under 2 ...................................................................................... 108 458 324 156 427 438 420 

 Footwear .................................................................................................. 309 492 228 337 392 350 217 

 Other apparel products and services ...................................................... 351 200 234 253 254 836 155 

 Transportation ............................................................................................. 13,150 10,092 13,457 13,390 14,522 14,007 9,354 

 Vehicle purchases (net outlay) ................................................................ 6,207 44,489 6,990 7,028 6,476 6,085 4,004 

 Cars and trucks, new ............................................................................ 3,096 ( 3 ) 3,780 3,042 3,013 3,854 1,992 

 Cars and trucks, used........................................................................... 3,065 4,489 3,153 3,912 3,427 2,213 1,952 

 Other vehicles ....................................................................................... 46 ( 3 ) 456 474 437 418 460 

 Gasoline, other fuels, and motor oil ......................................................... 2,260 2,092 2,210 2,094 2,567 2,517 1,683 

 Other vehicle expenses ........................................................................... 4,250 3,350 3,888 3,885 4,875 4,952 3,347 

 Vehicle finance charges ....................................................................... 344 234 361 372 431 300 215 

 Maintenance and repairs ...................................................................... 1,045 939 952 957 1,076 1,295 907 

 Vehicle rental, leases, licenses, and other charges ............................. 906 578 809 862 1,101 1,131 499 

 Vehicle insurance ................................................................................. 1,955 1,598 1,765 1,695 2,268 2,225 1,725 

 Public and other transportation................................................................ 433 4162 369 383 604 453 321 

 Healthcare ................................................................................................... 6,087 2,107 4,580 5,071 6,206 7,699 8,026 

 Health insurance ...................................................................................... 4,308 1,608 3,173 3,412 4,465 5,362 5,986 

 Medical services ...................................................................................... 1,077 238 994 1,052 1,017 1,446 986 

 Drugs ....................................................................................................... 509 211 262 427 492 694 823 

 Medical supplies ...................................................................................... 192 450 151 179 232 197 231 

 Entertainment .............................................................................................. 3,436 1,292 3,189 4,003 3,767 3,792 2,328 

 Fees and admissions ............................................................................... 738 104 485 1,120 905 768 314 

 Audio and visual equipment and services ............................................... 1,115 542 894 1,011 1,245 1,345 1,141 

 Pets, toys, hobbies, and playground equipment ..................................... 939 543 1,031 1,245 867 848 714 

See footnotes at end of table. 
Table 3630. Consumer units of three people by age of reference person: Average annual expenditures and characteristics, Consumer 

Expenditure Surveys, 2020-2021 — Continued 

Item 

Total 

three 

people 

Under 

25

years 

25-34

years 

35-44

years 

45-54

years 

55-64

years 

65 years 

and older 

 Pets ....................................................................................................... 713 272 631 1,015 675 724 536 

 Toys, hobbies, and playground equipment .......................................... 225 4270 400 230 192 125 178 

 Other entertainment supplies, equipment, and services ......................... 645 4104 779 627 750 831 159 

 Personal care products and services ......................................................... 829 433 673 815 1,036 927 636 

 Reading ....................................................................................................... 104 433 102 94 117 94 146 

 Education .................................................................................................... 1,907 1,898 905 1,262 3,014 2,775 979 

 Tobacco products and smoking supplies ................................................... 397 4226 341 427 413 436 383 

 Miscellaneous ............................................................................................. 876 370 579 863 1,252 979 598 

 Cash contributions ...................................................................................... 1,887 4290 1,069 1,375 1,816 3,229 2,285 

 Personal insurance and pensions............................................................... 9,692 4,424 8,901 9,848 12,020 11,599 4,772 

 Life and other personal insurance ........................................................... 586 4111 307 405 741 832 706 

 Pensions and Social Security .................................................................. 9,106 4,314 8,594 9,444 11,279 10,767 4,066 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $104,885 $54,059 $95,602 $99,334 $118,882 $129,455 $76,296 

 Wages and salaries ................................................................................. 87,790 48,218 88,524 90,327 103,436 103,130 41,488 

 Self-employment income ......................................................................... 7,034 43,068 4,341 4,543 9,102 12,926 2,963 

 Social Security, private and government retirement ............................... 6,610 4645 461 1,414 2,691 8,290 28,702 

 Interest, dividends, rental income, and other property income ............... 1,303 4169 255 986 1,469 2,209 1,832 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 597 4652 517 662 428 834 547 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,284 41,122 1,233 1,203 1,324 1,819 649 

 Other income ........................................................................................... 266 4186 270 200 431 247 4113 

 Personal taxes (contains some imputed values) ........................................ 12,411 -1,135 7,855 9,508 14,460 25,928 2,478 

 Federal income taxes .............................................................................. 11,735 852 7,566 9,043 13,143 23,616 3,907 

 Stimulus payment (new UCC Q20202)# ................................................. -2,615 -2,794 -2,542 -2,553 -2,641 -2,630 -2,694 

 State and local income taxes ................................................................... 3,193 729 2,788 2,935 3,831 4,819 1,156 

 Other taxes .............................................................................................. 98 478 443 84 128 123 4109 

 Income after taxes ...................................................................................... 92,474 55,194 87,747 89,825 104,422 103,527 73,818 

Addenda: 

 Net change in total assets and liabilities ..................................................... $18,159 -$4,719 -$6,321 $13,727 -$128 $81,319 $2,863 

 Net change in total assets ....................................................................... 45,180 7,931 39,384 35,349 32,027 97,541 22,666 

 Net change in total liabilities .................................................................... 27,021 12,650 45,705 21,621 32,155 16,223 19,804 

 Other financial information: 

 Other money receipts .............................................................................. 5,088 480 4329 4192 683 423,557 4687 

 Mortgage principal paid on owned property ............................................ -3,245 4

-770 -1,953 -3,317 -4,337 -3,915 -2,523 

 Estimated market value of owned home ................................................. 251,168 56,404 163,152 192,342 287,678 354,361 286,749 

 Estimated monthly rental value of owned home ..................................... 1,328 371 907 1,097 1,472 1,802 1,511 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 No data reported. 

4

 Data are likely to have large sampling errors. 

# 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