
根據主計總處統計,過去30年台灣家庭消費結構顯著轉變,食品飲料及菸草、衣著鞋襪類支出占比大幅下降,住宅服務與交通及資通訊則略降或停滯;相反地,餐廳及住宿支出從8.16%升至14.19%,醫療保健支出從9.96%升至14.08%,反映雙薪家庭增加、外食常態化及超高齡化社會帶來的被動醫療支出增加。
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文章引用主計總處最新的家庭消費支出結構統計,比較1995年至2025年近30年的消費變化趨勢。
(製表整理︰記者高嘉和)
〔記者高嘉和/台北報導〕根據主計總處最新的家庭消費支出結構統計,近30年(1995年至2025年)來,台灣人消費觀大轉變。「食衣住行」等基本開銷占比,不是下滑就是停滯;「醫療保健」與「餐廳及住宿」支出占比卻明顯增加。
從歷年數據變化來看,「食品飲料及菸草」支出占比從1995年的 19.53%,大幅縮水至2025年的15.36%;「衣著鞋襪類」跌幅更為明顯,從過去的4.60%幾乎腰斬2.57%,成為消費預算中最容易被犧牲的項目。
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另「住宅服務、水電瓦斯及其他燃料」占比從25.13%降至24.09%;「交通及資通訊」也從11.47%微幅降至11.39%。顯示出家庭在基本居住與通勤上的開銷比例呈現僵固。
食衣住行的占比下降,那錢花到哪去?數據顯示,「餐廳及住宿」支出的占比從30年前的8.16%,一路狂飆至14.19%,成長幅度驚人。
官員分析,現代雙薪家庭與單身族群比例增加,下廚的時間成本變高,促使外食成為常態;同時,比起購買名貴衣物,現代人更願意將預算投入在週末的特色餐廳享受、連假的國內外旅遊與飯店住宿體驗上,凸顯了「吃好玩好、活在當下」的新世代價值觀。
此外,30年來醫療保健的支出占比從9.96%大幅攀升至14.08%。官員指出,醫療保健支出的激增,更多是來自於超高齡化社會「不得不」的被動選擇,隨著家庭中高齡長輩增加,日常的營養保健品、慢性病醫療自費項目、甚至是長照與看護費用,都成為現代家庭躲不掉的重擔。
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