Table 30. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

65 years

and older

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

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Number of consumer units (in thousands) ....... 22,786 717 2,230 3,738 2,949 4,124 2,765 1,774 1,958 2,530 

Consumer unit characteristics: 

Income before taxes ..................................... $36,034 $2,552 $8,192 $12,500 $17,486 $24,733 $34,669 $44,775 $58,974 $122,499 

Income after taxes ........................................ 35,101 2,603 8,119 12,392 17,172 23,798 34,357 44,161 57,815 117,867

Age of reference person ................................ 75.3 76.3 77.2 77.7 77.1 75.4 74.2 73.2 72.7 71.9 

Average number in consumer unit:

Persons ........................................................ 1.7 1.3 1.2 1.2 1.5 1.7 1.9 2.0 2.2 2.5 

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

Persons 65 and over .................................... 1.4 1.2 1.1 1.1 1.3 1.4 1.5 1.5 1.6 1.5 

Earners ........................................................ .5 2.1 .1 .1 .2 .3 .5 .7 .9 1.4 

Vehicles ....................................................... 1.5 .9 .8 .9 1.2 1.6 1.8 2.1 2.2 2.5 

Percent distribution:

Sex of reference person:

Male ............................................................. 45 33 29 27 39 45 52 56 59 65 

Female ......................................................... 55 67 71 73 61 55 48 44 41 35 

Housing tenure:

Homeowner .................................................. 80 64 55 70 79 85 87 89 93 96 

With mortgage ............................................ 19 15 7 11 13 16 20 25 31 40 

Without mortgage ....................................... 62 49 48 59 66 69 67 64 61 56 

Renter .......................................................... 20 36 45 30 21 15 13 11 7 4 

Race of reference person:

Black or African-American ........................... 9 20 18 10 10 9 8 7 5 4 

White, Asian, and all other races ................. 91 80 82 90 90 91 92 93 95 96 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 5 10 11 5 4 4 4 3 4 3 

Not Hispanic or Latino .................................. 95 90 89 95 96 96 96 97 96 97 

Education of reference person:

Elementary (1-8) .......................................... 12 19 31 17 13 10 6 4 4 3 

High school (9-12) ........................................ 45 49 46 57 51 49 47 38 33 23 

College ......................................................... 43 31 23 25 35 41 46 58 63 74 

Never attended and other ............................ 1 2 1 1 1 3 ( ) 3 ( ) 4 ( ) 1 3 ( )

At least one vehicle owned or leased ............ 83 63 57 70 80 89 94 94 97 98 

Average annual expenditures .......................... $31,913 $17,801 $13,097 $17,050 $22,108 $27,490 $32,086 $40,227 $46,492 $74,265 

Food ............................................................... 4,183 2,556 2,167 2,503 2,831 3,726 4,160 5,105 6,039 8,378 

Food at home ............................................... 2,662 1,897 1,673 1,832 2,078 2,442 2,632 3,185 3,550 4,549 

Cereals and bakery products ..................... 380 238 246 284 311 353 368 454 519 593 

Cereals and cereal products .................... 112 65 85 97 97 97 105 130 142 166 

Bakery products ....................................... 268 173 161 187 214 255 263 325 377 427 

Meats, poultry, fish, and eggs .................... 631 558 436 414 514 557 628 771 831 1,043 

Beef .......................................................... 177 161 103 109 149 156 203 223 252 258 

Pork .......................................................... 137 150 100 93 116 133 139 170 176 181 

Other meats ............................................. 85 64 50 56 68 71 72 98 105 185 

Poultry ...................................................... 97 101 84 76 89 79 93 104 122 146 

Fish and seafood ..................................... 103 245 76 55 63 83 87 143 139 227 

Eggs ......................................................... 33 37 22 25 30 35 34 32 38 46 

Dairy products ............................................ 310 223 188 223 243 301 318 384 402 482 

Fresh milk and cream .............................. 118 110 95 91 98 111 120 137 146 166 

Other dairy products ................................ 192 113 92 132 144 190 197 248 256 316 

Fruits and vegetables ................................. 500 358 317 365 387 463 484 572 627 888 

Fresh fruits ............................................... 172 114 116 120 132 156 164 187 222 322 

Fresh vegetables ..................................... 157 134 105 122 114 147 146 169 190 291 

Processed fruits ....................................... 100 63 56 76 80 87 99 125 132 169 

Processed vegetables .............................. 71 46 40 48 61 74 76 91 82 106 

See footnotes at end of table.
Table 30. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

65 years

and older

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

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other food at home .................................... $842 $520 $486 $546 $624 $768 $834 $1,003 $1,171 $1,543 

Sugar and other sweets ........................... 108 51 59 85 82 106 101 126 139 187 

Fats and oils ............................................. 74 71 58 58 55 71 69 91 99 103 

Miscellaneous foods ................................ 422 222 231 261 309 370 424 534 596 792 

Nonalcoholic beverages ........................... 202 168 124 136 168 201 197 219 274 328 

Food prepared by consumer unit on

out-of-town trips ..................................... 35 28 213 5 9 21 43 33 64 133 

Food away from home ................................. 1,521 659 494 672 753 1,285 1,529 1,920 2,488 3,829 

Alcoholic beverages ....................................... 254 2142 98 93 132 203 232 298 353 755 

Housing .......................................................... 10,673 7,948 5,366 7,096 8,488 9,780 10,660 12,592 13,760 21,471 

Shelter .......................................................... 5,600 4,386 2,995 3,871 4,637 5,075 5,335 6,486 7,120 11,271 

Owned dwellings ........................................ 3,730 2,761 1,153 1,953 2,789 3,293 3,771 4,627 5,472 8,691 

Mortgage interest and charges ................ 978 917 174 381 476 707 902 1,265 1,707 2,928 

Property taxes .......................................... 1,468 907 605 849 1,172 1,336 1,520 1,855 2,029 3,101 

Maintenance, repairs, insurance, other

expenses ................................................ 1,285 938 374 723 1,141 1,250 1,349 1,507 1,737 2,662 

Rented dwellings ........................................ 1,444 1,539 1,799 1,834 1,731 1,490 1,202 1,297 881 919 

Other lodging ............................................. 426 285 43 83 117 292 361 561 767 1,661 

Utilities, fuels, and public services ............... 2,703 1,937 1,661 1,989 2,383 2,709 2,914 3,109 3,341 4,250 

Natural gas ................................................. 467 351 283 352 427 482 488 546 584 680 

Electricity .................................................... 995 688 632 750 851 989 1,057 1,136 1,191 1,624 

Fuel oil and other fuels ............................... 181 2108 106 129 205 217 196 160 182 251 

Telephone services .................................... 716 548 461 505 604 690 792 828 924 1,147 

Water and other public services ................. 345 243 178 252 296 331 380 439 460 548 

Household operations .................................. 671 317 174 476 437 643 608 651 812 1,788 

Personal services ....................................... 153 292 255 199 274 2202 257 288 2166 344 

Other household expenses ........................ 517 224 119 277 363 441 552 563 646 1,444 

Housekeeping supplies ................................ 522 310 248 350 396 446 542 698 737 914 

Laundry and cleaning supplies .................. 109 63 64 74 96 98 116 160 146 148 

Other household products .......................... 260 167 109 179 177 228 264 328 379 486 

Postage and stationery .............................. 153 80 75 97 123 121 163 210 212 280 

Household furnishings and equipment ......... 1,177 999 288 411 636 907 1,261 1,648 1,750 3,247 

Household textiles ...................................... 122 32 35 35 66 128 124 173 184 292 

Furniture ..................................................... 262 211 41 76 121 143 287 449 318 901 

Floor coverings .......................................... 35 240 217 12 14 19 22 58 115 74 

Major appliances ........................................ 192 274 67 90 149 158 178 226 257 521 

Small appliances, miscellaneous

housewares .............................................. 92 16 35 52 66 77 115 117 108 208 

Miscellaneous household equipment ......... 474 625 94 146 218 381 535 625 767 1,250 

Apparel and services ..................................... 930 484 456 392 514 675 771 1,214 1,630 2,360 

Men and boys .............................................. 197 78 94 46 100 157 166 285 306 554 

Men, 16 and over ....................................... 174 260 80 35 85 146 140 253 257 511 

Boys, 2 to 15 .............................................. 23 218 14 11 15 11 26 31 48 44 

Women and girls .......................................... 439 165 204 206 229 322 351 549 815 1,104 

Women, 16 and over .................................. 413 159 195 193 219 304 312 520 781 1,030 

Girls, 2 to 15 ............................................... 26 26 29 13 11 19 38 29 33 74 

Children under 2 .......................................... 21 211 29 9 12 18 27 22 33 53 

Footwear ...................................................... 141 2160 97 77 103 93 98 167 294 264 

Other apparel products and services ........... 131 70 52 55 70 86 129 192 182 386 

Transportation ................................................ 4,977 2,052 1,464 1,645 3,003 4,616 5,293 7,249 8,953 11,686 

Vehicle purchases (net outlay) ..................... 1,946 2677 2373 2320 896 1,909 1,978 3,274 4,062 4,771 

Cars and trucks, new ................................. 1,206 2328 2266 2178 2239 1,242 1,290 2,484 2,349 2,997 

Cars and trucks, used ................................ 734 2349 2107 142 657 667 669 790 1,700 1,753 

Other vehicles ............................................ 26 4 ( ) 4 ( ) 4 ( ) 3 ( ) 4 ( ) 219 4 ( ) 213 221 

Gasoline and motor oil ................................. 1,086 642 451 554 749 998 1,310 1,442 1,709 2,118 

See footnotes at end of table.
Table 30. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

65 years

and older

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

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other vehicle expenses ............................... $1,566 $642 $552 $680 $1,179 $1,425 $1,719 $1,978 $2,467 $3,542 

Vehicle finance charges ............................. 112 234 30 39 54 93 155 146 182 292 

Maintenance and repairs ........................... 513 203 178 209 437 425 560 590 846 1,205 

Vehicle insurance ....................................... 683 334 277 353 553 684 739 908 1,062 1,261 

Vehicle rental, leases, licenses, and other

charges .................................................... 257 70 68 79 135 224 265 334 377 784 

Public transportation .................................... 380 92 87 92 178 284 286 555 715 1,254 

Healthcare ...................................................... 4,052 2,322 2,056 2,801 3,534 3,994 4,694 4,745 5,383 6,589 

Health insurance .......................................... 2,224 1,336 1,213 1,540 1,944 2,246 2,575 2,876 2,957 3,263 

Medical services .......................................... 726 387 249 460 554 680 752 691 941 1,742 

Drugs ........................................................... 953 523 521 735 909 944 1,172 1,012 1,209 1,333 

Medical supplies .......................................... 148 276 72 66 127 124 195 166 276 251 

Entertainment ................................................. 1,472 613 426 666 853 1,037 1,396 2,490 2,310 3,933 

Fees and admissions ................................... 386 119 39 109 151 235 358 476 620 1,489 

Audio and visual equipment and services .... 597 369 282 395 481 528 595 703 865 1,198 

Pets, toys, hobbies, and playground

equipment .................................................. 218 62 61 136 132 184 242 282 325 509 

Other entertainment supplies, equipment,

and services ............................................... 270 63 45 27 88 90 201 1,030 500 738 

Personal care products and services ............. 465 226 171 256 351 430 500 605 727 888 

Reading .......................................................... 145 58 50 80 113 131 155 191 219 305 

Education ....................................................... 243 2169 249 63 39 98 110 204 299 1,298 

Tobacco products and smoking supplies ....... 155 108 111 120 136 161 176 193 181 202 

Miscellaneous ................................................ 739 293 142 325 381 574 937 1,028 1,200 1,853 

Cash contributions ......................................... 1,941 639 408 767 1,284 1,435 1,760 2,499 2,444 6,407 

Personal insurance and pensions .................. 1,684 191 134 242 449 629 1,242 1,812 2,995 8,139 

Life and other personal insurance ................ 388 158 113 178 210 258 415 464 529 1,233 

Pensions and Social Security ...................... 1,296 233 21 64 239 371 828 1,348 2,467 6,906 

Sources of income and personal taxes: 

Money income before taxes ........................... 36,034 2,552 8,192 12,500 17,486 24,733 34,669 44,775 58,974 122,499 

Wages and salaries ..................................... 10,405 2118 198 403 1,227 3,065 6,764 11,789 19,875 55,443 

Self-employment income ............................. 2,247 2-192 23 217 2-43 274 918 1,292 3,208 15,479 

Social Security, private and government

retirement ................................................... 20,098 2,263 7,047 11,541 15,256 19,654 24,288 27,868 31,326 36,953 

Interest, dividends, rental income, other

property income ......................................... 2,731 25 167 227 632 1,321 2,293 2,937 4,008 13,550 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 87 23 212 219 247 250 161 2356 2166 251 

Public assistance, supplemental security

income, food stamps .................................. 216 180 615 185 259 190 111 2104 149 156 

Regular contributions for support ................. 154 246 231 26 76 93 2113 2301 2174 595 

Other income ............................................... 97 2110 118 83 231 85 220 2128 268 2272 

Personal taxes ............................................... 933 -51 73 109 314 935 312 615 1,159 4,632 

Federal income taxes ................................... 625 2-82 33 16 129 675 57 254 691 3,577 

State and local income taxes ....................... 94 2-6 -5 3 15 24 25 50 139 620 

Other taxes .................................................. 214 37 45 90 170 236 230 310 328 435 

Income after taxes ......................................... 35,101 2,603 8,119 12,392 17,172 23,798 34,357 44,161 57,815 117,867

See footnotes at end of table.
Table 30. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

65 years

and older

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

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Addenda:

Net change in total assets and liabilities ........ - $4,026 - $2,798 - $283 - $4,056 - $2,709 - $4,404 $291 $1,857 - $4,816 - $16,786 

Net change in total assets ............................ 490 -852 -214 -2,924 112 -972 5,629 7,279 1,979 -2,176 

Net change in total liabilities ........................ 4,516 1,945 69 1,133 2,821 3,432 5,338 5,421 6,795 14,609 

Other financial information:

Other money receipts ................................... 478 2212 292 202 323 592 354 285 543 1,520 

Mortgage principal paid on owned

property ...................................................... -882 -441 -118 -275 -398 -553 -970 -1,340 -1,537 -2,757 

Estimated market value of owned home ...... 159,504 96,938 65,975 97,427 118,823 142,531 179,432 196,277 222,578 330,129 

Estimated monthly rental value of owned

home .......................................................... 850 569 412 576 708 822 899 1,071 1,128 1,506 

Gifts of goods and services ............................ 944 568 287 490 670 663 666 939 1,203 3,109 

Food ............................................................. 48 22 18 14 51 26 43 59 41 167 

Alcoholic beverages ..................................... 9 4 ( ) 22 22 28 6 10 3 14 27 

Housing ........................................................ 203 47 64 171 247 127 157 206 245 484 

Housekeeping supplies .............................. 30 28 216 22 13 19 31 30 48 78 

Household textiles ...................................... 14 21 29 11 13 20 8 11 29 12 

Appliances and miscellaneous

housewares .............................................. 28 23 21 23 223 21 28 18 34 86 

Major appliances ...................................... 11 4 ( ) 4 ( ) 23 218 211 12 25 22 36 

Small appliances and miscellaneous

housewares ............................................ 17 23 21 220 24 10 16 13 32 51 

Miscellaneous household equipment ......... 40 212 10 26 24 24 45 77 69 75 

Other housing ............................................ 91 224 27 88 175 43 45 70 65 233 

Apparel and services ................................... 175 224 79 64 92 108 179 200 275 487 

Males, 2 and over ...................................... 49 265 37 19 33 37 51 67 55 118 

Females, 2 and over .................................. 76 238 24 31 25 38 73 92 141 245 

Children under 2 ........................................ 19 211 8 8 11 15 21 18 31 47 

Other apparel products and services ......... 30 2109 210 26 24 17 33 23 48 76 

Jewelry and watches ................................ 10 25 22 21 7 10 12 211 16 23 

All other apparel products and services ... 20 2104 28 24 217 27 221 212 232 53 

Transportation .............................................. 46 4 ( ) 25 17 36 26 73 33 60 151 

Health care ................................................... 115 2146 258 2111 2124 179 245 239 296 195 

Entertainment ............................................... 54 214 214 34 43 40 48 71 60 154 

Toys, games, arts and crafts, and

tricycles .................................................... 24 26 23 15 10 24 22 34 22 78 

Other entertainment ................................... 30 29 211 18 33 16 27 37 38 76 

Personal care products and services ........... 16 21 5 24 3 15 11 9 48 44 

Reading ........................................................ 2 4 ( ) 21 21 21 2 4 2 6 4 

Education ..................................................... 159 246 215 245 214 66 26 130 207 927 

All other gifts ................................................ 117 87 26 28 51 67 70 188 150 469 

1 Value less than 0.05. 2 Data are likely to have large sampling errors. 3 Value less than or equal to 0.5.4 No data reported.

n.a. Not applicable.