Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 18,771 465 801 927 994 2,271 2,272 2,202 3,456 5,382 Income before taxes a/ ...................... $57,755 - $639 $7,808 $12,562 $17,302 $24,624 $34,382 $44,363 $58,867 $114,100 Income after taxes a/ ....................... 54,036 -538 7,995 12,725 17,610 24,189 32,912 42,005 55,200 105,134 Age of the reference person.................. 39.5 39.6 39.5 39.4 39.4 39.5 39.4 39.3 39.5 39.8 Average number in consumer unit: Persons..................................... 3.3 2.7 2.5 2.9 3.0 3.0 3.0 3.1 3.4 3.7 Children under 18........................... 1.3 1.1 .9 1.4 1.3 1.2 1.2 1.2 1.4 1.5 Persons 65 and over......................... b/ b/ b/ b/ c/ .1 b/ b/ b/ b/ b/ Earners..................................... 1.7 1.1 .9 1.1 1.3 1.5 1.6 1.7 1.9 2.1 Vehicles.................................... 2.2 1.5 1.0 1.2 1.4 1.6 1.9 2.3 2.5 2.8 Percent distribution: Male........................................ 53 47 35 35 38 45 51 60 56 62 Female...................................... 47 53 65 65 62 55 49 40 44 38 Homeowner................................... 68 44 27 36 38 48 61 70 81 88 With mortgage.............................. 57 29 14 20 26 33 47 60 72 81 Without mortgage........................... 11 15 14 17 12 15 14 10 9 8 Renter...................................... 32 56 73 64 62 52 39 30 19 12 Black....................................... 13 19 26 21 24 19 16 11 10 7 White and other............................. 87 81 74 79 76 81 84 89 90 93 Elementary (1-8)............................ 3 7 10 7 6 5 4 2 1 d/ High school (9-12).......................... 38 49 66 57 61 51 42 44 33 20 College..................................... 59 44 24 36 33 44 54 54 66 80 Never attended and other.................... d/ e/ e/ d/ d/ d/ e/ e/ e/ e/ At least one vehicle owned or leased........ 92 70 66 72 82 90 95 96 96 98 Average annual expenditures.................. $48,883 $27,989 $18,835 $22,837 $25,216 $28,962 $36,333 $43,073 $51,383 $78,720 Food........................................ 6,620 4,922 3,613 4,469 4,658 4,515 5,345 6,649 7,213 9,083 Food at home............................. 3,752 2,908 2,645 3,027 3,176 2,954 3,203 3,722 3,964 4,703 Cereals and bakery products............ 570 434 379 460 494 443 481 544 605 726 Cereals and cereal products.......... 201 159 169 191 188 172 173 211 198 239 Bakery products...................... 369 276 210 269 307 271 308 333 407 487 Meats, poultry, fish, and eggs......... 977 934 795 850 960 862 892 981 1,005 1,101 Beef................................. 285 302 235 232 264 266 269 258 297 320 Pork................................. 201 173 220 183 217 187 174 181 208 222 Other meats.......................... 132 113 79 107 103 110 129 149 137 154 Poultry.............................. 187 179 126 178 168 162 168 199 198 211 Fish and seafood..................... 133 128 99 113 163 98 115 157 128 152 Eggs................................. 39 38 36 37 44 38 37 37 38 42 Dairy products......................... 417 296 272 296 328 329 372 388 459 530 Fresh milk and cream................. 171 135 125 147 144 140 172 164 181 198 Other dairy products................. 247 161 147 150 184 189 199 224 278 332 Fruits and vegetables.................. 597 452 454 495 550 477 529 600 586 745 Fresh fruits......................... 181 136 141 133 152 139 148 188 170 245 Fresh vegetables..................... 178 141 125 150 170 155 169 179 165 216 Processed fruits..................... 139 119 125 122 129 102 120 129 146 172 Processed vegetables................. 99 56 63 90 100 81 93 105 105 113 Other food at home..................... 1,191 792 744 927 843 843 929 1,210 1,309 1,600 Sugar and other sweets............... 156 112 84 112 117 115 112 151 157 226 Fats and oils........................ 96 64 56 110 90 90 84 98 99 109 Miscellaneous foods.................. 560 366 326 422 379 372 412 591 630 770 Nonalcoholic beverages............... 328 216 267 259 245 243 284 333 370 405 Food prepared by consumer unit on out-of-town trips................... 50 c/ 34 c/ 10 c/ 23 12 23 38 38 52 90 Food away from home.................... 2,868 2,013 968 1,442 1,482 1,561 2,142 2,927 3,249 4,380 Alcoholic beverages......................... 482 513 97 194 242 260 282 474 516 805 Housing..................................... 15,734 10,711 7,216 7,943 9,143 9,807 11,561 13,126 16,126 25,106 Shelter.................................. 9,222 7,025 3,923 4,658 5,451 5,776 6,811 7,727 9,476 14,602 Owned dwellings........................ 6,583 4,320 1,179 1,542 2,001 2,585 3,883 5,041 7,318 12,283 Mortgage interest and charges........ 4,420 2,708 624 881 1,097 1,507 2,579 3,449 5,023 8,372 Property taxes....................... 1,297 850 479 309 345 616 809 878 1,336 2,445 Maintenance, repairs, insurance,other expenses............................ 866 762 76 352 559 462 495 713 959 1,466 Rented dwellings....................... 2,183 2,219 2,621 3,063 3,313 3,025 2,742 2,434 1,734 1,349 Other lodging.......................... 456 485 c/ 124 c/ 54 137 166 187 252 424 971 Utilities, fuels, and public services.... 2,955 2,102 2,123 2,024 2,255 2,395 2,671 2,758 3,118 3,775 Natural gas............................ 403 314 249 244 293 281 358 351 460 537 Electricity............................ 1,065 805 957 775 881 951 986 1,016 1,094 1,270 Fuel oil and other fuels............... 98 c/ 33 c/ 44 68 c/ 45 97 90 102 98 130 Telephone services..................... 1,034 740 675 729 801 812 960 966 1,067 1,339 Water and other public services........ 355 211 197 209 235 253 277 323 399 499 Household operations..................... 943 165 400 211 324 300 552 546 865 1,982 Personal services...................... 556 c/ 68 c/ 99 c/ 80 168 150 337 272 503 1,235 Other household expenses............... 387 97 301 131 156 150 216 274 362 746 Housekeeping supplies.................... 650 363 278 397 400 417 491 593 749 955 Laundry and cleaning supplies.......... 168 154 96 177 150 123 134 180 172 211 Other household products............... 338 181 125 147 194 187 269 305 410 506 Postage and stationery................. 144 c/ 29 57 72 57 107 88 108 167 238 Household furnishings and equipment...... 1,964 1,055 492 653 712 919 1,036 1,502 1,918 3,792 Household textiles..................... 141 58 36 116 59 60 87 121 101 278 Furniture.............................. 499 155 123 271 186 174 265 314 458 1,020 Floor coverings........................ 57 c/ 11 c/ 1 c/ 6 c/ 7 11 20 39 64 123 Major appliances....................... 217 183 95 87 103 120 157 200 224 351 Small appliances, miscellaneous housewares............................ 109 44 31 24 42 48 43 75 100 230 Miscellaneous household equipment...... 941 604 205 149 314 506 464 754 970 1,791 Apparel and services........................ 2,419 1,705 974 1,128 1,707 1,275 1,784 2,217 2,466 3,881 Men and boys............................. 577 353 194 260 430 304 403 464 638 932 Men, 16 and over....................... 392 243 143 114 320 167 274 289 440 656 Boys, 2 to 15.......................... 185 109 51 146 110 137 128 175 198 275 Women and girls.......................... 970 803 381 404 659 473 725 883 989 1,581 Women, 16 and over..................... 713 536 273 280 505 341 500 670 735 1,171 Girls, 2 to 15......................... 257 267 108 123 154 132 225 213 254 410 Children under 2......................... 112 c/ 20 70 118 74 65 78 101 107 179 Footwear................................. 427 407 c/ 224 213 384 261 354 516 466 549 Other apparel products and services...... 333 123 104 134 160 173 224 253 266 640 Transportation.............................. 9,252 4,620 3,504 4,276 4,000 5,789 7,771 8,918 9,596 14,361 Vehicle purchases (net outlay)........... 4,382 c/ 2,088 1,729 2,190 1,417 2,659 3,872 4,167 4,375 6,934 Cars and trucks, new................... 2,022 c/ 559 c/ 336 c/ 505 c/ 384 731 1,482 1,649 2,107 3,835 Cars and trucks, used.................. 2,291 1,529 1,393 1,685 1,033 1,927 2,386 2,417 2,163 2,972 Other vehicles......................... 68 e/ e/ e/ e/ c/ 1 c/ 4 c/ 102 106 127 Gasoline and motor oil................... 1,591 930 733 813 1,056 1,229 1,381 1,595 1,786 2,122 Other vehicle expenses................... 2,835 1,342 901 1,061 1,310 1,676 2,227 2,919 3,056 4,433 Vehicle finance charges................ 443 164 129 106 188 271 368 414 547 668 Maintenance and repairs................ 831 448 366 357 437 496 629 1,073 855 1,226 Vehicle insurance...................... 902 378 268 431 474 656 819 920 1,056 1,236 Vehicle rental, leases, licenses, other charges.............................. 658 352 138 168 210 254 412 513 597 1,302 Public transportation.................... 445 259 140 212 218 224 292 237 379 873 Health care................................. 1,869 1,184 703 1,004 1,003 1,278 1,614 1,805 2,202 2,579 Health insurance......................... 886 669 301 423 413 603 810 953 1,051 1,177 Medical services......................... 574 325 187 264 239 369 468 479 713 848 Drugs.................................... 321 153 188 279 315 253 275 301 333 410 Medical supplies......................... 88 c/ 37 c/ 27 c/ 38 36 54 61 72 105 144 Entertainment............................... 2,606 1,368 787 879 951 1,257 1,857 1,962 2,893 4,559 Fees and admissions...................... 722 255 122 159 181 221 387 418 720 1,526 Television, radios, sound equipment...... 832 471 399 367 435 540 700 813 862 1,251 Pets, toys, and playground equipment..... 471 212 138 209 180 302 377 389 497 769 Other entertainment supplies, equipment,and services.................. 582 430 128 145 155 194 393 341 814 1,013 Personal care products and services......... 619 541 304 372 424 402 483 645 626 893 Reading..................................... 151 54 35 52 47 80 105 115 169 264 Education................................... 648 447 251 232 226 280 386 423 849 1,105 Tobacco products and smoking supplies....... 430 563 523 513 544 467 425 487 410 344 Miscellaneous............................... 870 528 277 588 600 652 684 904 879 1,244 Cash contributions.......................... 1,229 382 109 324 362 534 718 909 1,125 2,490 Personal insurance and pensions............. 5,955 451 441 863 1,308 2,366 3,318 4,441 6,313 12,005 Life and other personal insurance........ 430 198 140 100 165 229 278 289 441 799 Pensions and Social Security............. 5,525 253 301 763 1,143 2,137 3,040 4,152 5,871 11,207 Sources of income and personal taxes: a/ Money income before taxes.................. 57,755 -639 7,808 12,562 17,302 24,624 34,382 44,363 58,867 114,100 Wages and salaries....................... 52,291 2,089 2,893 7,902 13,361 21,257 31,038 40,744 54,969 103,887 Self-employment income................... 2,863 -3,336 c/ 254 -103 549 964 1,327 1,563 2,298 7,070 Social Security, private and government retirement................... 846 c/ 226 2,029 1,790 1,546 865 980 642 542 644 Interest, dividends, rental income, other property income................... 573 -253 c/ 52 163 63 77 146 247 185 1,660 Unemployment and workers'' compensation, veterans'' benefits..................... 257 c/ 122 c/ 87 229 250 393 300 372 290 154 Public assistance, supplemental security, income, food stamps..................... 394 364 2,041 1,920 954 511 192 134 98 118 Regular contributions for support........ 411 c/ 85 282 444 412 479 324 546 360 437 Other income............................. 121 c/ 64 168 218 167 80 73 115 125 130 Personal taxes............................. 3,719 -101 -187 -163 -308 436 1,470 2,359 3,667 8,966 Federal income taxes..................... 2,890 -154 -206 -229 -358 212 1,031 1,677 2,729 7,264 State and local income taxes............. 700 36 -5 51 45 167 362 533 806 1,462 Other taxes.............................. 129 c/ 17 c/ 23 15 5 56 77 148 132 241 Income after taxes......................... 54,036 -538 7,995 12,725 17,610 24,189 32,912 42,005 55,200 105,134 Net change in total assets and liabilities... -4,186 4,930 2,366 882 255 -1,797 -2,781 -6,180 -6,551 -6,910 Net change in total assets............... 6,293 5,121 2,019 2,254 1,374 3,835 4,284 2,434 3,066 14,170 Net change in total liabilities.......... 10,479 191 -348 1,372 1,120 5,632 7,065 8,615 9,617 21,080 Other financial information: Other money receipts..................... 522 c/ 526 c/ 256 854 183 288 1,118 393 535 459 Mortgage principal paid on owned property................................ -1,675 -1,128 -235 -424 -499 -496 -991 -1,291 -1,792 -3,238 Estimated market value of owned home..... 102,630 55,188 34,520 31,046 29,260 41,557 63,819 77,169 109,312 191,027 Estimated monthly rental value of owned home.................................... 721 407 175 245 257 353 487 598 798 1,250 Gifts of goods and services................. 1,035 954 549 279 775 583 755 1,020 993 1,646 Food..................................... 67 c/ 6 c/ 21 c/ 17 24 15 31 26 69 150 Alcoholic beverages...................... 21 c/ 38 c/ 13 c/ 1 c/ 15 c/ 4 7 11 9 51 Housing.................................. 273 156 155 68 112 158 177 250 304 449 Housekeeping supplies.................. 50 c/ 23 c/ 21 c/ 15 36 24 23 44 61 82 Household textiles..................... 12 c/ 2 c/ 20 e/ c/ 1 c/ 2 c/ 3 38 7 17 Appliances and miscellaneous housewares........................... 29 c/ 4 c/ 8 c/ 5 c/ 7 c/ 17 c/ 15 17 31 58 Major appliances..................... 4 e/ e/ c/ 3 e/ c/ 2 c/ 10 c/ 4 9 c/ 2 Small appliances and miscellaneous housewares......................... 25 c/ 4 c/ 8 c/ 1 c/ 7 c/ 15 c/ 5 c/ 12 22 56 Miscellaneous household equipment...... 76 c/ 7 c/ 26 c/ 9 12 54 50 54 107 122 Other housing.......................... 107 120 81 40 55 60 86 96 99 169 Apparel and services..................... 287 536 226 96 346 97 272 327 256 389 Males, 2 and over...................... 63 c/ 98 c/ 101 c/ 20 175 13 45 33 56 81 Females, 2 and over.................... 110 356 c/ 63 c/ 17 89 32 111 124 109 148 Children under 2....................... 53 c/ 18 c/ 21 35 39 37 41 56 49 81 Other apparel products and services.... 61 c/ 65 c/ 41 c/ 24 c/ 44 15 75 114 41 79 Jewelry and watches.................. 23 c/ 4 d/ c/ 9 c/ 5 c/ 7 29 25 9 46 All other apparel products and services............................ 37 c/ 61 c/ 41 c/ 15 c/ 39 c/ 8 c/ 46 c/ 88 33 33 Transportation........................... 72 c/ 5 76 8 14 124 51 192 26 67 Health care.............................. 23 c/ 5 c/ 1 c/ 17 c/ 92 43 c/ 27 c/ 14 11 13 Entertainment............................ 90 c/ 95 c/ 39 c/ 23 41 52 86 65 95 144 Toys, games, hobbies, and tricycles.... 28 c/ 19 c/ 6 c/ 10 c/ 11 20 39 17 24 42 Other entertainment.................... 62 c/ 76 33 12 30 32 47 48 70 102 Personal care products and services...... 28 c/ 84 d/ c/ 17 49 12 9 43 25 36 Reading.................................. 1 e/ e/ d/ e/ 1 d/ 1 1 2 Education................................ 100 c/ 17 c/ 14 c/ 15 c/ 17 15 26 43 99 242 All other gifts.......................... 74 13 4 18 65 62 69 47 98 103 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Data are likely to have large sampling errors. d Value less than 0.5. e No data reported. n.a. Not applicable.