Table 25. Consumer units with reference person under age 25 by income before taxes: Average annual

expenditures and characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

under 25

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

and

more

Number of consumer units (in thousands) ....... 8,731 1,633 1,310 1,028 791 1,278 952 1,739 

Consumer unit characteristics: 

Income before taxes ..................................... $24,770 $2,620 $7,194 $12,154 $17,265 $24,637 $34,609 $64,395 

Income after taxes ........................................ 24,414 2,630 7,231 12,137 17,357 24,408 34,103 62,982 

Age of reference person ................................ 21.5 20.3 20.7 21.3 21.9 21.9 22.3 22.3 

Average number in consumer unit:

Persons ........................................................ 2.0 1.1 1.3 1.7 1.9 2.2 2.4 2.9 

Children under 18 ........................................ .4 .1 .2 .4 .5 .6 .6 .6 

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

Earners ........................................................ 1.3 .8 .9 1.0 1.2 1.4 1.6 2.1 

Vehicles ....................................................... 1.2 .5 .7 1.0 1.2 1.3 1.6 2.1 

Percent distribution:

Sex of reference person:

Male ............................................................. 46 46 46 40 47 47 48 49 

Female ......................................................... 54 54 54 60 53 53 52 51 

Housing tenure:

Homeowner .................................................. 17 4 6 9 15 12 22 42 

With mortgage ............................................ 11 1 1 2 7 7 17 34 

Without mortgage ....................................... 6 4 5 6 8 5 6 8 

Renter .......................................................... 83 96 94 91 85 88 78 58 

Race of reference person:

Black or African-American ........................... 11 10 11 14 14 12 13 9 

White, Asian, and all other races ................. 89 90 89 86 86 88 87 91 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 13 6 7 10 12 18 17 22 

Not Hispanic or Latino .................................. 87 94 93 90 88 82 83 78 

Education of reference person:

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

High school (9-12) ........................................ 33 20 24 35 37 42 46 34 

College ......................................................... 65 79 75 63 60 55 52 62 

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

At least one vehicle owned or leased ............ 73 46 58 70 77 82 88 94 

Average annual expenditures .......................... $26,102 $12,146 $15,245 $19,546 $22,458 $26,881 $32,048 $48,051 

Food ............................................................... 3,814 2,114 2,327 2,885 3,495 3,447 4,749 6,308 

Food at home ............................................... 1,885 1,021 1,036 1,459 1,886 1,861 2,198 3,059 

Cereals and bakery products ..................... 269 159 145 210 253 254 349 426 

Cereals and cereal products .................... 102 67 46 85 79 93 140 168 

Bakery products ....................................... 167 92 99 125 174 162 209 258 

Meats, poultry, fish, and eggs .................... 465 230 224 368 414 426 541 835 

Beef .......................................................... 149 65 78 85 136 130 189 281 

Pork .......................................................... 87 46 50 91 75 87 92 137 

Other meats ............................................. 56 23 28 32 63 53 60 104 

Poultry ...................................................... 92 60 36 86 76 85 107 155 

Fish and seafood ..................................... 58 423 419 46 46 50 67 119 

Eggs ......................................................... 24 13 13 28 17 21 27 38 

Dairy products ............................................ 209 115 101 170 189 215 243 346 

Fresh milk and cream .............................. 88 46 44 75 70 84 115 146 

Other dairy products ................................ 121 69 57 95 120 131 128 200 

Fruits and vegetables ................................. 292 167 155 220 284 315 310 472 

Fresh fruits ............................................... 90 51 45 68 87 95 100 146 

Fresh vegetables ..................................... 88 45 48 68 86 97 85 147 

Processed fruits ....................................... 67 43 35 58 62 67 68 107 

Processed vegetables .............................. 48 29 27 26 49 55 57 73 

See footnotes at end of table.
Table 25. Consumer units with reference person under age 25 by income before taxes: Average annual

expenditures and characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

under 25

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

and

more

Other food at home .................................... $650 $349 $411 $491 $746 $651 $755 $981 

Sugar and other sweets ........................... 57 39 39 45 77 44 61 86 

Fats and oils ............................................. 44 24 19 34 68 44 51 63 

Miscellaneous foods ................................ 357 187 223 279 410 368 412 530 

Nonalcoholic beverages ........................... 178 88 117 119 173 181 218 283 

Food prepared by consumer unit on

out-of-town trips ..................................... 14 10 12 13 419 14 14 18 

Food away from home ................................. 1,929 1,093 1,291 1,426 1,608 1,586 2,551 3,249 

Alcoholic beverages ....................................... 453 233 382 404 402 422 487 692 

Housing .......................................................... 8,261 3,434 4,820 6,037 7,526 9,150 11,012 14,765 

Shelter .......................................................... 5,203 2,299 3,224 3,924 4,924 5,893 6,891 8,873 

Owned dwellings ........................................ 1,135 98 158 228 691 557 1,396 3,865 

Mortgage interest and charges ................ 732 420 451 486 4307 324 877 2,707 

Property taxes .......................................... 258 64 107 113 198 159 238 751 

Maintenance, repairs, insurance, other

expenses ................................................ 145 413 3 ( ) 429 186 74 281 407 

Rented dwellings ........................................ 3,847 1,952 2,721 3,429 4,007 5,245 5,310 4,819 

Other lodging ............................................. 222 250 345 267 226 91 185 189 

Utilities, fuels, and public services ............... 1,574 559 737 1,198 1,520 1,828 2,086 2,937 

Natural gas ................................................. 161 37 46 95 123 201 205 366 

Electricity .................................................... 572 226 279 457 582 687 757 995 

Fuel oil and other fuels ............................... 31 41 43 435 428 432 431 80 

Telephone services .................................... 690 268 361 548 686 796 924 1,216 

Water and other public services ................. 119 28 48 62 100 112 169 280 

Household operations .................................. 328 59 118 210 298 370 458 718 

Personal services ....................................... 199 412 435 4122 197 226 276 482 

Other household expenses ........................ 129 47 83 88 100 144 182 237 

Housekeeping supplies ................................ 248 160 143 185 182 265 313 384 

Laundry and cleaning supplies .................. 69 54 39 47 59 67 87 108 

Other household products .......................... 112 72 72 95 72 108 131 182 

Postage and stationery .............................. 67 33 32 42 52 90 95 94 

Household furnishings and equipment ......... 908 357 598 521 603 794 1,264 1,852 

Household textiles ...................................... 57 50 14 18 34 52 52 130 

Furniture ..................................................... 271 32 89 186 215 273 296 693 

Floor coverings .......................................... 12 4 4 6 43 42 46 15 

Major appliances ........................................ 86 16 29 39 55 57 167 208 

Small appliances, miscellaneous

housewares .............................................. 64 41 26 36 51 51 86 128 

Miscellaneous household equipment ......... 419 216 435 236 246 319 658 678 

Apparel and services ..................................... 1,472 1,119 942 1,052 940 1,438 1,634 2,535 

Men and boys .............................................. 276 169 162 195 131 181 283 616 

Men, 16 and over ....................................... 247 167 150 178 111 140 224 569 

Boys, 2 to 15 .............................................. 29 42 12 18 20 42 60 46 

Women and girls .......................................... 633 528 402 460 368 619 684 1,061 

Women, 16 and over .................................. 597 517 389 444 333 562 642 1,000 

Girls, 2 to 15 ............................................... 35 411 413 17 34 57 42 61 

Children under 2 .......................................... 100 44 81 73 110 119 100 155 

Footwear ...................................................... 277 298 178 184 4151 290 344 391 

Other apparel products and services ........... 186 80 119 140 180 230 222 312 

Transportation ................................................ 5,376 1,497 2,323 4,070 4,405 6,436 6,578 11,085 

Vehicle purchases (net outlay) ..................... 2,428 4414 714 1,978 1,695 3,274 2,412 5,596 

Cars and trucks, new ................................. 622 411 492 4311 4156 1,219 4704 1,507 

Cars and trucks, used ................................ 1,728 372 617 1,668 1,492 1,807 1,694 3,940 

Other vehicles ............................................ 78 431 44 3 ( ) 447 4248 414 4149 

Gasoline and motor oil ................................. 1,321 600 774 1,031 1,257 1,441 1,746 2,288 

See footnotes at end of table.
Table 25. Consumer units with reference person under age 25 by income before taxes: Average annual

expenditures and characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

under 25

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

and

more

Other vehicle expenses ............................... $1,425 $365 $703 $907 $1,294 $1,579 $2,109 $2,839 

Vehicle finance charges ............................. 170 28 26 68 129 179 248 441 

Maintenance and repairs ........................... 423 137 354 313 509 484 597 626 

Vehicle insurance ....................................... 577 84 180 331 496 742 868 1,242 

Vehicle rental, leases, licenses, and other

charges .................................................... 254 115 142 195 159 174 396 530 

Public transportation .................................... 202 118 133 153 159 141 311 362 

Healthcare ...................................................... 668 142 257 295 449 733 889 1,607 

Health insurance .......................................... 341 49 105 96 208 393 511 868 

Medical services .......................................... 187 36 59 111 144 225 180 467 

Drugs ........................................................... 108 47 78 58 64 93 152 214 

Medical supplies .......................................... 31 410 414 30 433 21 46 58 

Entertainment ................................................. 1,275 610 859 855 1,585 1,288 1,585 2,097 

Fees and admissions ................................... 262 189 240 199 225 227 293 408 

Audio and visual equipment and services .... 563 264 342 408 530 636 708 981 

Pets, toys, hobbies, and playground

equipment .................................................. 201 52 132 84 267 168 437 296 

Other entertainment supplies, equipment,

and services ............................................... 249 105 144 163 563 257 147 412 

Personal care products and services ............. 335 207 259 287 283 303 350 557 

Reading .......................................................... 50 33 40 43 45 47 58 76 

Education ....................................................... 1,609 2,275 2,079 2,143 1,310 879 714 1,472 

Tobacco products and smoking supplies ....... 269 101 164 249 296 360 365 382 

Miscellaneous ................................................ 279 171 225 249 255 243 306 470 

Cash contributions ......................................... 343 69 156 245 265 326 506 760 

Personal insurance and pensions .................. 1,900 141 411 732 1,203 1,809 2,817 5,246 

Life and other personal insurance ................ 37 42 45 427 24 35 66 94 

Pensions and Social Security ...................... 1,862 139 406 704 1,179 1,774 2,751 5,152 

Sources of income and personal taxes: 

Money income before taxes ........................... 24,770 2,620 7,194 12,154 17,265 24,637 34,609 64,395 

Wages and salaries ..................................... 21,662 1,775 4,970 8,751 13,895 21,908 31,465 58,528 

Self-employment income ............................. 737 4-14 485 454 4412 4226 4560 2,958 

Social Security, private and government

retirement ................................................... 205 411 4154 4266 489 4324 4139 390 

Interest, dividends, rental income, other

property income ......................................... 251 62 42 110 54 115 207 885 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 59 42 43 416 424 485 494 155 

Public assistance, supplemental security

income, food stamps .................................. 307 125 407 597 489 352 324 106 

Regular contributions for support ................. 1,012 428 907 1,383 1,668 1,021 1,241 991 

Other income ............................................... 537 230 626 976 634 605 579 382 

Personal taxes ............................................... 356 -11 -37 17 -91 229 506 1,413 

Federal income taxes ................................... 203 -18 -49 -17 -173 52 280 971 

State and local income taxes ....................... 142 7 10 32 81 166 208 405 

Other taxes .................................................. 12 2 ( ) 42 42 41 10 18 37 

Income after taxes ......................................... 24,414 2,630 7,231 12,137 17,357 24,408 34,103 62,982 

See footnotes at end of table.
Table 25. Consumer units with reference person under age 25 by income before taxes: Average annual

expenditures and characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

under 25

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

and

more

Addenda:

Net change in total assets and liabilities ........ - $283 $1,878 - $1,386 $3,962 $4,243 - $2,541 - $4,525 - $2,069 

Net change in total assets ............................ 8,979 3,227 -550 2,966 4,939 1,869 9,718 31,773 

Net change in total liabilities ........................ 9,263 1,349 836 -996 696 4,410 14,243 33,842 

Other financial information:

Other money receipts ................................... 83 117 449 445 427 450 463 158 

Mortgage principal paid on owned

property ...................................................... -240 4-9 4-68 4-42 4-116 -131 -396 -755 

Estimated market value of owned home ...... 26,504 45,531 9,086 7,714 15,164 12,960 26,781 85,387 

Estimated monthly rental value of owned

home .......................................................... 157 434 45 59 103 82 181 482 

Gifts of goods and services ............................ 409 235 222 411 349 388 445 682 

Food ............................................................. 13 410 417 26 42 15 17 45 

Alcoholic beverages ..................................... 20 3 ( ) 42 46 44 413 45 76 

Housing ........................................................ 103 38 38 133 78 88 117 189 

Housekeeping supplies .............................. 21 46 49 14 410 421 36 37 

Household textiles ...................................... 7 42 2 ( ) 2 ( ) 44 43 412 420 

Appliances and miscellaneous

housewares .............................................. 14 41 44 47 420 46 435 426 

Major appliances ...................................... 42 3 ( ) 3 ( ) 46 47 44 2 ( ) 43 

Small appliances and miscellaneous

housewares ............................................ 12 41 44 41 413 42 435 424 

Miscellaneous household equipment ......... 25 4 4 20 411 26 413 68 

Other housing ............................................ 36 25 420 91 35 33 422 37 

Apparel and services ................................... 155 106 89 146 141 196 164 216 

Males, 2 and over ...................................... 30 413 423 36 428 25 18 57 

Females, 2 and over .................................. 47 431 48 448 71 69 419 73 

Children under 2 ........................................ 27 43 49 423 25 30 43 48 

Other apparel products and services ......... 51 59 450 440 417 472 485 37 

Jewelry and watches ................................ 27 414 424 435 411 450 447 416 

All other apparel products and services ... 24 445 425 45 45 422 438 422 

Transportation .............................................. 10 43 3 43 4 11 12 25 

Health care ................................................... 6 3 ( ) 41 41 3 ( ) 42 425 413 

Entertainment ............................................... 33 17 22 427 444 20 461 43 

Toys, games, arts and crafts, and

tricycles .................................................... 10 6 46 49 416 410 49 18 

Other entertainment ................................... 22 11 16 419 428 411 52 25 

Personal care products and services ........... 19 47 47 13 42 417 410 53 

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

Education ..................................................... 11 42 433 42 41 49 41 419 

All other gifts ................................................ 39 52 11 53 71 15 32 44 

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

n.a. Not applicable.