Table 3254. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2019-2020

Item 

Total 

65 years 

and older 

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................................................... 34,850 4,895 10,048 4,932 3,456 4,062 3,443 4,013 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $53,957 $9,263 $21,774 $34,793 $44,902 $58,769 $82,927 $190,678 

 Income after taxes ...................................................................................... 49,792 9,940 22,410 35,584 43,778 57,784 77,610 157,647 

 Age of reference person ............................................................................. 74.4 76.1 76.4 74.3 73.8 73.1 72.3 71.2 

 Average number in consumer unit: 

 People ..................................................................................................... 1.7 1.3 1.4 1.8 1.9 2.1 2.2 2.3 

 Children under 18.................................................................................... .1 ( 2 ) .1 .1 .1 .1 .1 .1 

 Adults 65 and older ................................................................................. 1.4 1.1 1.2 1.5 1.5 1.6 1.5 1.6 

 Earners .................................................................................................... .5 .1 .2 .3 .5 .8 1.1 1.4 

 Vehicles ................................................................................................... 1.7 .9 1.2 1.8 1.9 2.2 2.3 2.6 

Percent distribution: 

 Reference person: 

 Men ......................................................................................................... 44 29 35 47 47 51 54 63 

 Women .................................................................................................... 56 71 65 53 53 49 46 37 

 Housing tenure: 

 Homeowner ............................................................................................. 79 55 73 84 84 90 90 94 

 With mortgage ...................................................................................... 25 12 17 23 27 31 39 41 

 Without mortgage................................................................................. 55 44 56 62 56 59 52 53 

 Renter ...................................................................................................... 21 45 27 16 16 10 10 6 

 Race of reference person: 

 Black or African-American ...................................................................... 11 20 10 8 9 8 9 7 

 White, Asian, and all other races ............................................................ 89 80 90 92 91 92 91 93 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................... 7 12 6 5 7 5 6 4 

 Not Hispanic or Latino ............................................................................. 93 88 94 95 93 95 94 96 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 35 46 46 38 31 28 22 14 

 College .................................................................................................... 61 46 50 59 67 69 76 85 

 Never attended and other ....................................................................... ( 2 ) 1 ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 3 ) 

 At least one vehicle owned or leased ........................................................ 87 62 84 92 94 96 97 98 

Average annual expenditures........................................................................ $48,872 $25,554 $32,964 $42,044 $47,877 $55,504 $64,529 $103,051 

 Food ........................................................................................................... 6,137 3,668 4,187 5,643 6,916 6,619 7,326 10,842 

 Food at home .......................................................................................... 4,135 2,897 2,890 3,874 4,747 4,569 4,760 6,624 

 Cereals and bakery products ............................................................... 533 393 385 520 588 579 607 818 

 Cereals and cereal products ............................................................ 150 107 97 144 180 167 182 238 

 Bakery products ................................................................................ 382 286 288 376 408 412 425 580 

 Meats, poultry, fish, and eggs .............................................................. 876 617 590 846 1,010 953 1,000 1,432 

 Beef ................................................................................................... 237 136 166 232 265 275 268 392 

 Pork ................................................................................................... 182 148 124 194 225 198 227 237 

 Other meats ...................................................................................... 116 80 81 122 109 121 134 198 

 Poultry ............................................................................................... 142 102 102 118 172 159 170 222 

 Fish and seafood .............................................................................. 146 112 79 131 174 150 148 300 

 Eggs .................................................................................................. 52 39 38 49 66 51 53 84 

 Dairy products ...................................................................................... 422 294 297 392 475 488 480 667 

 Fresh milk and cream ....................................................................... 124 113 91 119 126 135 143 179 

 Other dairy products ......................................................................... 298 181 206 273 349 352 337 488 

 Fruits and vegetables .......................................................................... 839 631 554 786 962 902 931 1,409 

 Fresh fruits ........................................................................................ 305 209 192 277 356 328 347 549 

 Fresh vegetables .............................................................................. 273 213 176 258 314 277 302 471 

 Processed fruits ................................................................................ 107 79 71 107 112 130 130 162 

 Processed vegetables ...................................................................... 153 129 114 144 180 168 152 229 

 Other food at home .............................................................................. 1,466 963 1,064 1,330 1,712 1,647 1,742 2,297 

 Sugar and other sweets .................................................................... 149 96 116 142 158 190 161 215 

 Fats and oils ..................................................................................... 109 91 76 124 131 113 110 158 

 Miscellaneous foods ......................................................................... 779 485 556 697 916 876 956 1,232 

 Nonalcoholic beverages ................................................................... 381 272 298 324 470 420 436 554 

See footnotes at end of table. 
Table 3254. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

65 years 

and older 

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 

 Food prepared by consumer unit on out-of-town trips ..................... 47 19 17 42 37 48 79 138 

 Food away from home ............................................................................ 2,001 772 1,298 1,769 2,169 2,050 2,566 4,218 

 Alcoholic beverages ................................................................................... 430 122 217 319 395 508 643 1,044 

 Housing ...................................................................................................... 17,454 10,704 13,408 15,087 17,718 18,851 22,822 31,873 

 Shelter ..................................................................................................... 9,838 6,565 7,831 8,087 9,608 10,028 12,510 18,720 

 Owned dwellings .................................................................................. 6,447 3,023 4,180 5,325 6,382 7,636 9,018 14,324 

 Mortgage interest and charges ......................................................... 1,443 604 815 1,150 1,344 1,737 2,347 3,411 

 Property taxes ................................................................................... 2,399 1,136 1,567 2,055 2,471 2,765 3,368 5,185 

 Maintenance, repairs, insurance, other expenses ........................... 2,604 1,283 1,798 2,119 2,567 3,134 3,303 5,728 

 Rented dwellings.................................................................................. 2,601 3,343 3,337 2,240 2,473 1,585 2,273 1,716 

 Other lodging ....................................................................................... 790 200 313 522 753 806 1,218 2,680 

 Utilities, fuels, and public services .......................................................... 3,797 2,529 3,064 3,721 3,965 4,434 4,805 5,613 

 Natural gas ........................................................................................... 432 263 361 418 439 476 575 659 

 Electricity .............................................................................................. 1,434 1,078 1,237 1,414 1,462 1,649 1,671 1,943 

 Fuel oil and other fuels ........................................................................ 148 85 118 169 127 175 168 249 

 Telephone services .............................................................................. 1,113 678 818 1,080 1,198 1,365 1,529 1,737 

 Residential phone service, VOIP, and phone cards ........................ 334 264 326 341 352 365 372 350 

 Cellular phone service ...................................................................... 779 414 491 739 847 1,001 1,156 1,387 

 Water and other public services .......................................................... 670 425 531 641 739 768 863 1,026 

 Household operations ............................................................................. 1,328 593 938 1,218 1,499 1,379 1,894 2,646 

 Personal services................................................................................. 154 440 4135 4178 4230 478 4315 4185 

 Other household expenses .................................................................. 1,174 553 803 1,040 1,269 1,301 1,579 2,461 

 Housekeeping supplies ........................................................................... 803 369 580 698 895 1,023 1,008 1,302 

 Laundry and cleaning supplies ............................................................ 168 89 135 164 226 190 163 247 

 Other household products ................................................................... 496 215 342 410 507 677 648 845 

 Postage and stationery ........................................................................ 139 65 103 125 161 156 197 209 

 Household furnishings and equipment ................................................... 1,688 648 995 1,362 1,751 1,986 2,604 3,592 

 Household textiles................................................................................ 92 52 52 65 89 144 111 171 

 Furniture ............................................................................................... 315 126 177 255 363 398 428 743 

 Floor coverings .................................................................................... 29 13 17 40 25 35 18 70 

 Major appliances .................................................................................. 294 101 186 282 263 411 381 639 

 Small appliances, miscellaneous housewares .................................... 100 59 61 81 111 127 127 189 

 Miscellaneous household equipment .................................................. 858 296 502 637 901 870 1,539 1,781 

 Apparel and services .................................................................................. 1,056 594 668 797 1,067 982 1,392 2,340 

 Men and boys .......................................................................................... 202 69 75 145 217 189 442 453 

 Men, 16 and over ................................................................................. 180 62 66 119 194 155 423 404 

 Boys, 2 to 15 ........................................................................................ 22 8 9 26 23 34 19 49 

 Women and girls ..................................................................................... 462 262 320 362 516 485 497 928 

 Women, 16 and over ........................................................................... 435 251 301 354 495 459 458 858 

 Girls, 2 to 15 ......................................................................................... 27 411 19 9 21 27 39 70 

 Children under 2 ...................................................................................... 26 44 431 413 431 45 421 466 

 Footwear ................................................................................................. 201 89 122 164 189 178 257 473 

 Other apparel products and services ...................................................... 166 169 120 113 114 125 174 420 

 Transportation ............................................................................................ 6,819 3,171 4,377 6,221 6,192 9,103 9,196 14,255 

 Vehicle purchases (net outlay) ............................................................... 2,595 1,201 1,699 2,107 1,748 3,705 3,373 6,076 

 Cars and trucks, new ........................................................................... 1,497 4349 1,017 1,178 944 1,959 1,788 4,249 

 Cars and trucks, used .......................................................................... 1,068 852 681 925 800 1,724 1,316 1,827 

 Other vehicles ...................................................................................... 

430 ( 3

 ) ( 3 ) 44 43 422 4269 ( 3 ) 

 Gasoline, other fuels, and motor oil ........................................................ 1,184 603 794 1,259 1,278 1,580 1,679 1,871 

 Other vehicle expenses .......................................................................... 2,626 1,199 1,681 2,610 2,915 3,456 3,661 4,727 

 Vehicle finance charges ....................................................................... 131 60 60 129 142 180 201 281 

 Maintenance and repairs ..................................................................... 722 294 457 753 730 880 1,006 1,412 

 Vehicle rental, leases, licenses, and other charges ............................ 593 231 292 525 780 915 855 1,157 

 Vehicle insurance................................................................................. 1,180 616 872 1,203 1,263 1,482 1,599 1,877 

 Public and other transportation ............................................................... 415 167 203 245 251 362 483 1,582 

 Healthcare .................................................................................................. 6,749 3,894 5,235 6,860 7,823 7,888 8,286 10,433 

 Health insurance ..................................................................................... 4,802 2,976 3,784 4,929 5,414 5,781 5,822 7,024 

 Medical services ...................................................................................... 943 412 657 784 1,181 1,075 1,229 1,920 

 Drugs ....................................................................................................... 732 404 557 865 859 834 803 1,093 

 Medical supplies ...................................................................................... 272 102 236 282 369 198 433 396 

 Entertainment ............................................................................................. 2,366 1,130 1,618 1,858 2,282 2,590 3,169 5,334 

 Fees and admissions .............................................................................. 395 90 158 235 247 476 571 1,432 

 Audio and visual equipment and services .............................................. 1,024 600 860 939 1,178 1,234 1,250 1,495 

 Pets, toys, hobbies, and playground equipment..................................... 627 390 495 557 567 537 906 1,114 

 Pets ...................................................................................................... 512 352 407 491 364 439 705 940 

See footnotes at end of table. 
Table 3254. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2019-2020 — Continued 

Item 

Total 

65 years 

and older 

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 

 Toys, hobbies, and playground equipment ......................................... 115 438 87 66 204 98 201 173 

 Other entertainment supplies, equipment, and services ........................ 320 50 105 128 289 343 442 1,292 

 Personal care products and services ......................................................... 608 316 421 604 643 718 772 1,086 

 Reading ...................................................................................................... 147 54 135 98 192 158 157 274 

 Education.................................................................................................... 400 119 178 199 213 500 525 1,486 

 Tobacco products and smoking supplies ................................................... 213 176 207 205 240 277 183 219 

 Miscellaneous ............................................................................................. 866 387 525 629 640 958 1,354 2,258 

 Cash contributions...................................................................................... 2,844 818 1,235 2,540 2,025 3,662 4,351 8,304 

 Personal insurance and pensions .............................................................. 2,782 400 551 984 1,529 2,689 4,355 13,304 

 Life and other personal insurance .......................................................... 518 195 299 449 506 546 881 1,220 

 Pensions and Social Security ................................................................. 2,263 205 252 535 1,023 2,144 3,474 12,084 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $53,957 $9,263 $21,774 $34,793 $44,902 $58,769 $82,927 $190,678 

 Wages and salaries................................................................................. 18,172 489 1,571 4,543 9,601 17,933 33,324 92,677 

 Self-employment income ........................................................................ 4,098 4

-88 152 340 627 1,822 3,391 29,602 

 Social Security, private and government retirement ............................... 26,721 7,497 19,076 27,828 31,800 34,913 39,223 44,563 

 Interest, dividends, rental income, other property income ...................... 3,866 241 474 1,307 2,028 2,945 5,003 21,465 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 289 726 287 225 231 206 170 475 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 572 92 155 525 489 868 1,641 1,115 

 Other income ........................................................................................... 239 306 59 425 4125 483 4175 1,181 

 Personal taxes (contains some imputed values) ....................................... 4,164 -677 -637 -791 1,123 985 5,317 33,031 

 Federal income taxes .............................................................................. 4,088 ( 2 ) 186 217 1,662 1,604 4,786 27,610 

 Stimulus payment (new UCC Q20202)# ................................................ -903 -654 -807 -1,037 -1,037 -1,167 -961 -849 

 State and local income taxes .................................................................. 928 -55 -47 -12 460 480 1,407 6,167 

 Other taxes .............................................................................................. 51 431 31 41 37 68 85 104 

 Income after taxes ...................................................................................... 49,792 9,940 22,410 35,584 43,778 57,784 77,610 157,647 

Addenda: 

 Net change in total assets and liabilities .................................................... $8,188 $6,784 -$386 $4,088 $1,533 $4,033 $17,698 $38,188 

 Net change in total assets ....................................................................... 12,649 7,689 728 6,413 10,047 10,076 24,735 50,690 

 Net change in total liabilities ................................................................... 4,461 905 1,113 2,326 8,514 6,043 7,036 12,502 

 Other financial information: 

 Other money receipts .............................................................................. 1,125 4200 990 454 4,053 953 829 1,317 

 Mortgage principal paid on owned property ........................................... -1,662 -616 -773 -1,262 -1,365 -1,793 -3,341 -4,338 

 Estimated market value of owned home................................................. 251,793 135,832 172,819 216,667 253,687 300,110 334,000 513,070 

 Estimated monthly rental value of owned home ..................................... 1,316 745 997 1,196 1,365 1,539 1,701 2,361 

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, 2021