Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 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)...... 15,569 467 635 904 1,082 2,321 2,141 1,880 2,772 3,367 Income before taxes a/ ...................... $49,275 $2,184 $7,627 $12,404 $17,196 $24,691 $34,336 $44,236 $58,711 $105,369 Income after taxes a/ ....................... 46,686 2,300 7,918 12,747 17,231 24,259 33,097 42,357 55,880 97,688 Age of the reference person.................. 29.8 29.3 29.2 29.2 29.3 29.6 29.7 29.6 29.8 30.5 Average number in consumer unit: Persons..................................... 2.8 2.3 2.6 2.9 2.8 2.7 2.7 2.8 3.0 3.0 Children under 18........................... 1.1 1.0 1.2 1.4 1.3 1.1 1.1 1.0 1.1 1.0 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.5 1.0 .9 1.1 1.3 1.3 1.5 1.6 1.8 1.9 Vehicles.................................... 1.8 .9 .9 1.0 1.3 1.4 1.8 1.9 2.1 2.3 Percent distribution: Male........................................ 54 32 31 37 44 52 53 58 63 61 Female...................................... 46 68 69 63 56 48 47 42 37 39 Homeowner................................... 48 21 20 22 21 30 44 46 62 75 With mortgage.............................. 40 11 15 8 13 19 36 39 56 70 Without mortgage........................... 8 10 6 13 8 11 8 7 7 5 Renter...................................... 52 79 80 78 79 70 56 54 38 25 Black....................................... 14 24 23 26 25 18 13 11 9 6 White and other............................. 86 76 77 74 75 82 87 89 91 94 Elementary (1-8)............................ 3 7 9 5 5 5 3 2 2 2 High school (9-12).......................... 33 43 56 51 43 44 37 31 28 16 College..................................... 63 50 35 44 52 50 60 68 71 82 Never attended and other.................... c/ 1 c/ 1 1 d/ c/ c/ d/ c/ At least one vehicle owned or leased........ 89 66 66 73 82 87 93 93 96 96 Average annual expenditures.................. $41,766 $20,855 $20,398 $21,842 $24,179 $28,437 $35,467 $40,712 $47,953 $68,208 Food........................................ 5,659 3,624 3,749 3,952 3,913 4,677 5,026 5,646 6,129 7,928 Food at home............................. 3,155 2,478 2,430 2,713 2,430 2,784 2,995 3,309 3,262 3,884 Cereals and bakery products............ 450 370 325 416 320 399 443 460 463 552 Cereals and cereal products.......... 170 157 133 147 125 162 157 188 161 208 Bakery products...................... 280 213 192 270 195 238 286 273 302 345 Meats, poultry, fish, and eggs......... 836 722 717 737 682 806 805 805 802 1,032 Beef................................. 260 250 194 242 221 241 260 238 243 330 Pork................................. 173 140 161 145 152 160 158 187 166 207 Other meats.......................... 93 80 82 97 81 105 85 95 83 103 Poultry.............................. 162 102 146 139 123 143 160 156 165 205 Fish and seafood..................... 114 117 104 82 71 119 107 96 115 150 Eggs................................. 34 33 29 33 35 37 35 33 31 37 Dairy products......................... 342 263 248 272 284 292 309 404 345 420 Fresh milk and cream................. 142 129 104 111 140 135 125 164 143 160 Other dairy products................. 200 134 144 161 144 156 185 240 203 260 Fruits and vegetables.................. 521 389 392 483 407 489 472 525 518 662 Fresh fruits......................... 154 129 106 137 121 155 139 149 137 207 Fresh vegetables..................... 162 134 115 168 126 160 148 144 157 212 Processed fruits..................... 117 71 93 89 81 102 107 127 133 145 Processed vegetables................. 87 55 79 88 79 72 78 106 91 99 Other food at home..................... 1,006 734 748 805 737 797 966 1,114 1,133 1,219 Sugar and other sweets............... 110 100 62 116 83 80 109 132 123 125 Fats and oils........................ 83 90 67 80 63 72 81 88 92 91 Miscellaneous foods.................. 517 345 382 394 340 396 488 573 587 659 Nonalcoholic beverages............... 264 181 227 202 235 232 261 287 290 292 Food prepared by consumer unit on out-of-town trips................... 32 e/ 19 e/ 10 e/ 12 16 19 27 34 41 52 Food away from home.................... 2,504 1,146 1,319 1,239 1,483 1,893 2,031 2,337 2,867 4,044 Alcoholic beverages......................... 439 168 311 236 254 299 379 447 512 671 Housing..................................... 13,895 7,738 7,476 7,767 8,371 9,879 11,235 12,809 15,508 23,092 Shelter.................................. 8,460 4,737 4,265 4,724 5,089 5,921 6,860 7,779 9,509 14,137 Owned dwellings........................ 4,552 1,142 1,054 1,198 869 1,521 3,008 3,613 5,854 10,292 Mortgage interest and charges........ 3,122 645 690 470 490 940 2,004 2,444 4,205 7,183 Property taxes....................... 769 364 152 285 208 300 506 571 996 1,665 Maintenance, repairs, insurance,other expenses............................ 662 132 212 443 172 281 499 598 653 1,444 Rented dwellings....................... 3,638 3,506 3,110 3,457 4,111 4,324 3,709 3,974 3,408 3,136 Other lodging.......................... 270 e/ 89 e/ 100 e/ 68 109 76 143 192 246 709 Utilities, fuels, and public services.... 2,542 1,876 1,819 1,914 1,936 2,167 2,369 2,564 2,761 3,308 Natural gas............................ 318 210 208 226 169 289 307 305 346 439 Electricity............................ 878 717 703 764 791 812 811 904 929 1,024 Fuel oil and other fuels............... 58 e/ 25 e/ 12 e/ 74 e/ 39 46 53 69 54 80 Telephone services..................... 1,024 750 743 722 769 833 964 1,012 1,126 1,368 Water and other public services........ 264 173 153 128 168 187 234 275 307 396 Household operations..................... 856 242 448 277 317 629 469 687 1,058 1,676 Personal services...................... 612 e/ 138 247 188 212 504 299 487 760 1,210 Other household expenses............... 244 104 202 89 105 125 170 201 298 465 Housekeeping supplies.................... 452 335 270 187 376 330 390 413 527 669 Laundry and cleaning supplies.......... 138 155 132 85 121 110 140 133 152 166 Other household products............... 205 120 89 73 174 146 160 178 263 313 Postage and stationery................. 109 e/ 60 e/ 49 29 81 73 91 102 112 190 Household furnishings and equipment...... 1,586 549 674 666 653 832 1,146 1,366 1,652 3,302 Household textiles..................... 115 e/ 13 50 40 53 75 85 102 151 200 Furniture.............................. 475 117 274 309 149 279 330 364 495 985 Floor coverings........................ 27 e/ 19 e/ 3 e/ 4 e/ 23 15 13 29 25 59 Major appliances....................... 188 e/ 39 59 47 106 80 168 155 213 381 Small appliances, miscellaneous housewares............................ 94 43 20 36 37 82 103 86 77 168 Miscellaneous household equipment...... 687 317 269 230 285 301 448 630 691 1,509 Apparel and services........................ 2,087 1,518 804 1,494 1,523 1,433 1,960 1,903 2,013 3,423 Men and boys............................. 508 261 131 214 366 380 529 376 511 864 Men, 16 and over....................... 392 e/ 150 73 79 194 268 417 299 420 713 Boys, 2 to 15.......................... 115 111 58 135 171 112 112 78 91 151 Women and girls.......................... 690 460 319 600 500 512 620 707 659 1,057 Women, 16 and over..................... 537 378 265 376 374 406 443 530 534 860 Girls, 2 to 15......................... 153 81 54 225 125 107 178 178 125 197 Children under 2......................... 189 72 68 171 156 104 179 172 204 304 Footwear................................. 400 e/ 574 e/ 135 369 318 239 424 339 363 623 Other apparel products and services...... 301 153 152 141 184 198 208 309 276 576 Transportation.............................. 8,617 4,037 4,238 4,429 4,825 5,693 7,790 9,148 10,502 13,116 Vehicle purchases (net outlay)........... 4,333 e/ 1,945 2,384 2,420 2,335 2,845 3,978 4,649 5,497 6,305 Cars and trucks, new................... 1,716 e/ 558 e/ 557 e/ 468 e/ 621 716 1,304 1,820 2,363 3,144 Cars and trucks, used.................. 2,544 1,387 1,736 1,952 1,714 2,127 2,594 2,768 3,069 2,980 Other vehicles......................... 73 d/ e/ 92 d/ d/ e/ 2 e/ 80 e/ 61 e/ 65 181 Gasoline and motor oil................... 1,308 717 763 758 887 1,028 1,268 1,384 1,472 1,818 Other vehicle expenses................... 2,597 1,131 936 1,106 1,382 1,610 2,213 2,768 3,159 4,274 Vehicle finance charges................ 504 105 121 158 176 338 429 551 676 823 Maintenance and repairs................ 638 517 304 331 459 426 600 675 717 943 Vehicle insurance...................... 859 249 400 398 527 616 815 992 1,048 1,226 Vehicle rental, leases, licenses, other charges.............................. 597 260 112 218 220 230 368 551 717 1,282 Public transportation.................... 378 244 154 145 221 210 331 347 374 719 Health care................................. 1,392 591 646 526 823 957 1,379 1,622 1,762 1,931 Health insurance......................... 742 265 259 232 362 472 783 923 936 1,058 Medical services......................... 385 139 186 145 284 293 330 411 524 525 Drugs.................................... 206 155 158 126 145 150 213 225 235 263 Medical supplies......................... 58 e/ 33 e/ 45 e/ 24 31 43 53 63 67 85 Entertainment............................... 2,068 975 771 852 1,081 1,174 1,784 2,171 2,515 3,465 Fees and admissions...................... 504 217 144 164 239 209 347 488 494 1,109 Television, radios, sound equipment...... 749 444 415 445 488 569 702 730 858 1,092 Pets, toys, and playground equipment..... 394 255 174 163 237 248 331 416 504 598 Other entertainment supplies, equipment,and services.................. 421 58 37 80 117 148 404 537 659 665 Personal care products and services......... 497 293 242 345 421 382 477 498 545 686 Reading..................................... 113 57 46 41 68 72 96 100 122 205 Education................................... 525 901 675 289 506 369 374 430 525 770 Tobacco products and smoking supplies....... 333 260 329 385 326 317 378 410 326 276 Miscellaneous............................... 669 273 392 342 300 528 650 600 839 987 Cash contributions.......................... 807 210 310 341 354 540 714 801 846 1,467 Personal insurance and pensions............. 4,666 211 409 840 1,414 2,117 3,225 4,128 5,811 10,190 Life and other personal insurance........ 244 e/ 56 61 68 131 112 187 232 286 488 Pensions and Social Security............. 4,422 155 348 772 1,283 2,005 3,038 3,896 5,525 9,702 Sources of income and personal taxes: a/ Money income before taxes.................. 49,275 2,184 7,627 12,404 17,196 24,691 34,336 44,236 58,711 105,369 Wages and salaries....................... 46,241 1,427 4,235 9,480 15,118 22,719 32,512 41,748 56,082 99,608 Self-employment income................... 1,471 -231 e/ 113 e/ 224 210 475 619 1,250 1,420 4,099 Social Security, private and government retirement................... 410 e/ 144 937 626 351 387 449 473 190 446 Interest, dividends, rental income, other property income................... 200 22 e/ 30 13 36 97 115 121 181 544 Unemployment and workers'' compensation, veterans'' benefits..................... 183 e/ 81 e/ 109 e/ 115 196 231 108 222 210 195 Public assistance, supplemental security, income, food stamps..................... 295 411 1,566 1,295 703 281 88 e/ 161 59 e/ 51 Regular contributions for support........ 294 165 407 513 443 310 240 173 289 279 Other income............................. 181 e/ 165 231 138 139 190 205 89 282 147 Personal taxes............................. 2,589 -115 -291 -343 -35 432 1,239 1,879 2,831 7,681 Federal income taxes..................... 1,948 -128 -314 -380 -176 221 864 1,324 2,126 6,052 State and local income taxes............. 577 -14 23 28 116 189 337 513 632 1,472 Other taxes.............................. 64 e/ 27 c/ e/ 8 25 22 38 42 74 158 Income after taxes......................... 46,686 2,300 7,918 12,747 17,231 24,259 33,097 42,357 55,880 97,688 Net change in total assets and liabilities... -6,232 -3,257 -4,449 -2,586 -683 -2,933 2,384 -7,201 -10,446 -13,484 Net change in total assets............... 8,984 311 2,251 -756 118 2,047 8,105 8,591 6,925 24,179 Net change in total liabilities.......... 15,216 3,569 6,700 1,830 801 4,980 5,721 15,792 17,372 37,663 Other financial information: Other money receipts..................... 218 e/ 28 e/ 105 60 121 76 162 153 353 399 Mortgage principal paid on owned property................................ -987 -164 -188 -120 -171 -300 -640 -601 -1,093 -2,568 Estimated market value of owned home..... 64,664 25,635 17,307 18,173 15,792 24,250 47,934 50,148 81,650 139,828 Estimated monthly rental value of owned home.................................... 499 186 138 156 142 197 367 420 632 1,042 Gifts of goods and services................. 702 249 348 520 422 537 512 667 740 1,187 Food..................................... 36 e/ 27 e/ 10 e/ 33 e/ 6 26 45 19 40 61 Alcoholic beverages...................... 15 c/ e/ 11 e/ 1 d/ 8 e/ 15 13 15 30 Housing.................................. 224 75 127 115 102 217 146 190 251 381 Housekeeping supplies.................. 41 e/ 9 e/ 5 e/ 14 40 34 21 28 39 84 Household textiles..................... 13 c/ e/ 32 e/ 3 c/ e/ 22 e/ 9 e/ 10 24 e/ 7 Appliances and miscellaneous housewares........................... 19 e/ 1 e/ 3 e/ 6 e/ 6 e/ 19 e/ 11 39 18 27 Major appliances..................... 5 d/ e/ 3 d/ e/ 2 e/ 1 c/ e/ 15 e/ 3 e/ 11 Small appliances and miscellaneous housewares......................... 14 e/ 1 e/ 1 e/ 6 e/ 4 e/ 18 e/ 11 24 15 16 Miscellaneous household equipment...... 50 e/ 16 e/ 9 e/ 12 10 44 41 27 69 90 Other housing.......................... 102 e/ 49 78 79 47 98 63 87 101 174 Apparel and services..................... 235 101 142 254 195 155 151 270 217 387 Males, 2 and over...................... 50 e/ 7 e/ 5 e/ 38 40 42 25 53 48 92 Females, 2 and over.................... 69 e/ 24 e/ 88 e/ 69 35 41 46 47 48 147 Children under 2....................... 61 e/ 34 e/ 36 100 72 29 42 54 64 95 Other apparel products and services.... 55 e/ 36 e/ 12 e/ 48 e/ 48 44 39 116 56 53 Jewelry and watches.................. 34 e/ 36 e/ 1 e/ 2 e/ 11 23 14 109 40 27 All other apparel products and services............................ 21 d/ e/ 12 e/ 45 e/ 37 e/ 21 e/ 25 e/ 7 e/ 16 e/ 25 Transportation........................... 29 e/ 6 e/ 1 e/ 74 e/ 45 4 10 22 56 32 Health care.............................. 10 e/ 5 e/ 2 e/ 1 e/ 3 e/ 5 e/ 8 e/ 12 e/ 3 27 Entertainment............................ 67 e/ 16 e/ 23 e/ 25 30 50 56 76 69 117 Toys, games, hobbies, and tricycles.... 23 e/ 4 e/ 13 e/ 6 18 10 21 23 33 37 Other entertainment.................... 44 e/ 11 e/ 10 19 12 41 34 53 36 80 Personal care products and services...... 15 d/ e/ 8 d/ e/ 7 13 28 10 11 20 Reading.................................. 1 d/ d/ d/ d/ c/ e/ 1 2 c/ 1 Education................................ 24 e/ 4 e/ 2 e/ 5 e/ 14 11 26 25 31 38 All other gifts.......................... 46 e/ 15 22 12 19 47 26 28 47 95 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.