Table 32. Midwestern region 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)...... 20,713 824 1,423 1,917 1,526 2,680 2,487 2,214 3,121 4,521 Income before taxes a/ ...................... $48,439 $1,496 $7,573 $12,362 $17,378 $24,612 $34,484 $44,217 $59,400 $111,939 Income after taxes a/ ....................... 45,304 1,437 7,600 12,181 17,155 23,758 33,344 41,787 56,026 102,384 Age of the reference person.................. 48.2 37.9 52.9 56.6 55.1 50.6 46.9 45.6 44.6 45.6 Average number in consumer unit: Persons..................................... 2.4 1.7 1.5 1.7 2.0 2.1 2.4 2.5 2.8 3.2 Children under 18........................... .6 .4 .3 .4 .4 .5 .6 .7 .8 .9 Persons 65 and over......................... .3 .2 .4 .6 .6 .4 .3 .2 .1 .1 Earners..................................... 1.4 .9 .5 .6 .9 1.1 1.4 1.6 1.9 2.1 Vehicles.................................... 2.2 1.1 .8 1.2 1.7 1.8 2.1 2.4 2.7 3.2 Percent distribution: Male........................................ 52 42 34 32 41 49 54 56 63 63 Female...................................... 48 58 66 68 59 51 46 44 37 37 Homeowner................................... 69 34 35 52 56 61 67 72 83 92 With mortgage.............................. 42 16 11 9 18 26 37 49 62 74 Without mortgage........................... 27 18 25 43 38 36 31 23 21 18 Renter...................................... 31 66 65 48 44 39 33 28 17 8 Black....................................... 9 18 14 13 12 11 9 8 7 5 White and other............................. 91 82 86 87 88 89 91 92 93 95 Elementary (1-8)............................ 4 3 15 10 7 5 2 3 1 1 High school (9-12).......................... 41 39 51 56 58 51 45 40 33 22 College..................................... 55 58 33 34 35 44 53 57 66 77 Never attended and other.................... b/ c/ 1 b/ b/ b/ c/ b/ b/ b/ At least one vehicle owned or leased........ 90 64 58 73 90 91 94 98 99 98 Average annual expenditures.................. $42,170 $20,752 $15,178 $21,297 $24,775 $28,962 $35,312 $41,461 $50,687 $75,224 Food........................................ 5,438 3,582 2,661 3,048 3,739 4,223 4,848 5,366 6,377 8,574 Food at home............................. 3,069 1,890 1,673 2,033 2,417 2,657 3,005 3,108 3,377 4,365 Cereals and bakery products............ 464 295 264 323 359 381 444 467 510 672 Cereals and cereal products.......... 157 93 101 105 130 121 151 160 172 227 Bakery products...................... 307 202 162 218 228 261 293 307 338 445 Meats, poultry, fish, and eggs......... 736 519 395 502 617 730 758 679 779 988 Beef................................. 232 154 95 148 173 276 253 214 239 302 Pork................................. 162 124 95 119 148 155 162 141 172 218 Other meats.......................... 100 86 60 62 75 97 96 95 115 134 Poultry.............................. 131 78 84 87 130 106 142 118 148 172 Fish and seafood..................... 82 61 42 65 63 68 74 77 76 132 Eggs................................. 28 16 20 21 28 28 32 33 27 30 Dairy products......................... 348 173 189 217 293 286 334 369 392 499 Fresh milk and cream................. 143 77 82 99 132 119 145 158 157 190 Other dairy products................. 205 95 108 117 161 167 189 211 236 309 Fruits and vegetables.................. 493 330 281 348 421 438 483 473 522 694 Fresh fruits......................... 157 120 85 109 136 137 146 147 164 227 Fresh vegetables..................... 144 96 74 105 116 134 142 135 147 208 Processed fruits..................... 110 65 73 80 88 100 107 108 119 150 Processed vegetables................. 82 48 48 54 80 67 88 83 91 109 Other food at home..................... 1,028 573 544 643 729 822 985 1,120 1,174 1,512 Sugar and other sweets............... 124 67 71 91 91 104 125 124 132 179 Fats and oils........................ 81 51 45 69 64 71 86 83 84 108 Miscellaneous foods.................. 504 266 268 302 350 400 487 559 587 736 Nonalcoholic beverages............... 281 164 150 173 209 226 259 316 324 407 Food prepared by consumer unit on out-of-town trips................... 39 25 11 9 15 21 28 38 49 83 Food away from home.................... 2,369 1,692 988 1,014 1,322 1,567 1,844 2,258 3,000 4,209 Alcoholic beverages......................... 419 298 178 203 208 282 329 524 445 741 Housing..................................... 12,692 7,207 5,189 6,920 7,966 9,144 10,322 12,427 15,306 21,793 Shelter.................................. 7,088 4,211 2,982 3,985 4,389 4,768 5,732 6,957 8,267 12,501 Owned dwellings........................ 4,915 2,065 909 1,726 1,967 2,502 3,456 4,718 6,269 10,437 Mortgage interest and charges........ 2,647 1,065 307 397 716 938 1,640 2,583 3,601 6,217 Property taxes....................... 1,254 529 391 631 685 813 949 995 1,506 2,498 Maintenance, repairs, insurance,other expenses............................ 1,014 471 210 698 566 751 868 1,140 1,161 1,723 Rented dwellings....................... 1,656 1,590 1,951 2,104 2,253 2,052 2,007 1,931 1,493 736 Other lodging.......................... 516 556 122 156 169 214 268 308 506 1,328 Utilities, fuels, and public services.... 2,708 1,499 1,410 1,860 2,098 2,425 2,654 2,821 3,052 3,808 Natural gas............................ 511 278 220 371 386 462 495 535 528 762 Electricity............................ 884 486 525 678 726 841 886 926 972 1,155 Fuel oil and other fuels............... 81 d/ 30 60 68 105 88 102 73 75 85 Telephone services..................... 929 558 481 563 659 786 881 971 1,111 1,350 Water and other public services........ 303 147 124 181 222 248 291 315 367 456 Household operations..................... 592 412 122 244 285 444 380 510 721 1,179 Personal services...................... 280 d/ 249 d/ 11 112 67 211 162 230 396 562 Other household expenses............... 312 163 111 131 218 233 218 279 325 617 Housekeeping supplies.................... 663 301 247 276 377 421 466 557 1,374 920 Laundry and cleaning supplies.......... 139 96 73 77 114 97 112 147 177 211 Other household products............... 377 116 111 141 170 200 236 260 1,009 475 Postage and stationery................. 146 88 63 57 93 123 117 150 187 235 Household furnishings and equipment...... 1,641 784 428 555 818 1,086 1,091 1,583 1,891 3,384 Household textiles..................... 127 39 44 80 61 93 88 131 171 221 Furniture.............................. 361 118 108 88 156 227 210 378 366 821 Floor coverings........................ 39 d/ 10 d/ 5 8 d/ 19 28 27 32 33 94 Major appliances....................... 198 47 27 59 80 191 104 195 266 383 Small appliances, miscellaneous housewares............................ 98 167 21 24 74 116 67 128 105 138 Miscellaneous household equipment...... 818 403 223 296 427 432 594 718 950 1,727 Apparel and services........................ 1,856 1,452 587 1,019 970 1,148 1,400 1,676 2,164 3,527 Men and boys............................. 461 324 160 147 208 206 280 422 576 992 Men, 16 and over....................... 367 248 146 69 144 160 215 340 466 811 Boys, 2 to 15.......................... 94 76 14 79 64 46 65 81 110 181 Women and girls.......................... 786 653 213 513 392 570 633 654 877 1,448 Women, 16 and over..................... 665 617 152 425 334 512 516 527 741 1,229 Girls, 2 to 15......................... 121 36 60 88 58 57 116 127 137 219 Children under 2......................... 102 48 15 64 74 73 105 101 111 172 Footwear................................. 289 321 d/ 94 197 174 163 221 277 358 497 Other apparel products and services...... 218 106 105 98 122 137 161 223 241 418 Transportation.............................. 8,138 3,236 2,747 3,866 4,356 5,617 7,527 8,764 10,031 14,034 Vehicle purchases (net outlay)........... 3,915 d/ 1,306 1,505 2,169 1,942 2,700 3,886 4,263 4,622 6,633 Cars and trucks, new................... 1,520 d/ 53 d/ 617 d/ 544 d/ 1,022 722 1,168 1,157 1,756 3,337 Cars and trucks, used.................. 2,320 1,253 847 1,576 919 1,977 2,663 3,046 2,761 3,122 Other vehicles......................... 74 c/ d/ 41 d/ 48 c/ d/ 1 d/ 55 d/ 60 d/ 105 174 Gasoline and motor oil................... 1,324 733 470 581 832 1,044 1,271 1,419 1,630 2,120 Other vehicle expenses................... 2,541 1,002 675 966 1,444 1,655 2,182 2,787 3,375 4,473 Vehicle finance charges................ 382 68 76 101 182 261 365 479 562 630 Maintenance and repairs................ 691 348 238 320 530 404 588 774 936 1,125 Vehicle insurance...................... 869 270 247 377 522 689 860 1,006 1,154 1,346 Vehicle rental, leases, licenses, other charges.............................. 599 316 114 168 210 301 368 528 723 1,371 Public transportation.................... 358 195 98 150 139 217 188 295 404 809 Health care................................. 2,397 1,185 1,145 2,084 2,385 2,298 2,566 2,572 2,569 2,909 Health insurance......................... 1,174 527 644 1,033 1,173 1,147 1,230 1,320 1,273 1,363 Medical services......................... 588 307 155 338 438 444 737 617 679 862 Drugs.................................... 513 257 301 650 692 615 484 471 469 511 Medical supplies......................... 122 94 45 62 82 92 116 165 149 173 Entertainment............................... 2,313 962 704 876 1,796 1,239 1,818 1,962 2,733 4,633 Fees and admissions...................... 593 288 126 165 167 258 323 453 636 1,509 Television, radios, sound equipment...... 708 431 336 392 425 525 686 674 833 1,156 Pets, toys, and playground equipment..... 418 149 78 177 272 274 349 484 544 724 Other entertainment supplies, equipment,and services.................. 594 94 165 141 931 182 461 351 720 1,245 Personal care products and services......... 535 343 208 444 359 398 543 504 570 838 Reading..................................... 164 76 63 99 104 118 128 159 199 286 Education................................... 731 1,165 393 284 345 206 391 661 774 1,585 Tobacco products and smoking supplies....... 405 287 265 304 394 449 480 548 433 363 Miscellaneous............................... 802 347 249 432 419 702 654 791 983 1,364 Cash contributions.......................... 1,508 331 443 771 788 1,282 1,295 1,333 1,677 2,834 Personal insurance and pensions............. 4,772 279 345 949 946 1,857 3,010 4,174 6,426 11,744 Life and other personal insurance........ 471 128 129 259 190 311 339 409 544 971 Pensions and Social Security............. 4,301 151 216 690 755 1,546 2,672 3,765 5,882 10,772 Sources of income and personal taxes: a/ Money income before taxes.................. 48,439 1,496 7,573 12,362 17,378 24,612 34,484 44,217 59,400 111,939 Wages and salaries....................... 39,207 1,487 2,303 4,031 8,214 15,613 25,620 37,080 52,667 96,284 Self-employment income................... 2,066 -996 d/ 85 10 303 709 1,014 1,334 1,199 7,055 Social Security, private and government retirement................... 5,024 463 3,648 6,938 7,671 6,901 6,409 4,555 3,853 3,745 Interest, dividends, rental income, other property income................... 977 71 54 227 327 558 699 592 750 2,717 Unemployment and workers'' compensation, veterans'' benefits..................... 214 d/ 19 d/ 39 98 120 210 268 151 325 311 Public assistance, supplemental security, income, food stamps..................... 288 268 978 701 270 249 195 69 162 173 Regular contributions for support........ 495 99 255 176 285 273 211 378 339 1,302 Other income............................. 168 86 210 180 187 98 68 59 105 352 Personal taxes............................. 3,135 59 -27 181 223 854 1,140 2,430 3,374 9,555 Federal income taxes..................... 2,212 8 -66 60 60 531 635 1,648 2,336 7,026 State and local income taxes............. 749 1 4 36 59 210 357 634 852 2,175 Other taxes.............................. 174 d/ 50 34 85 103 114 149 149 187 354 Income after taxes......................... 45,304 1,437 7,600 12,181 17,155 23,758 33,344 41,787 56,026 102,384 Net change in total assets and liabilities... -4,749 615 -2,769 -831 1,805 -959 -498 -6,514 -9,370 -10,754 Net change in total assets............... 4,303 1,602 -1,031 1,099 5,027 1,902 5,463 3,336 3,825 9,178 Net change in total liabilities.......... 9,052 987 1,738 1,929 3,223 2,861 5,961 9,850 13,196 19,932 Other financial information: Other money receipts..................... 819 d/ 66 199 576 264 384 192 3,482 401 1,027 Mortgage principal paid on owned property................................ -1,440 -429 -201 -762 -450 -494 -796 -1,132 -1,647 -3,561 Estimated market value of owned home..... 91,658 41,947 29,127 47,300 55,909 59,409 66,632 75,140 105,961 182,375 Estimated monthly rental value of owned home.................................... 647 313 213 362 394 445 501 581 783 1,188 Gifts of goods and services................. 1,216 654 265 555 640 802 1,012 1,050 1,289 2,469 Food..................................... 99 85 d/ 22 35 34 38 84 43 120 230 Alcoholic beverages...................... 13 d/ 37 d/ 7 14 d/ 9 9 5 d/ 7 11 25 Housing.................................. 323 211 84 172 210 253 252 268 417 559 Housekeeping supplies.................. 50 d/ 23 d/ 12 31 25 34 37 61 75 77 Household textiles..................... 19 d/ 5 b/ d/ 5 d/ 11 8 15 7 33 43 Appliances and miscellaneous housewares........................... 32 d/ 5 d/ 4 d/ 8 d/ 40 36 16 24 34 58 Major appliances..................... 13 c/ d/ 1 d/ 3 d/ 2 d/ 11 9 d/ 2 11 37 Small appliances and miscellaneous housewares......................... 18 d/ 5 d/ 3 d/ 5 d/ 38 25 7 21 23 21 Miscellaneous household equipment...... 87 85 12 38 49 82 78 101 114 126 Other housing.......................... 135 93 55 89 85 94 105 75 160 256 Apparel and services..................... 275 82 43 181 198 257 196 247 239 533 Males, 2 and over...................... 70 d/ 35 d/ 7 58 53 63 65 72 57 122 Females, 2 and over.................... 106 d/ 13 d/ 10 46 56 105 55 72 94 242 Children under 2....................... 56 28 14 36 37 45 44 60 48 103 Other apparel products and services.... 44 d/ 6 d/ 12 40 52 45 32 44 39 66 Jewelry and watches.................. 19 d/ 6 d/ 2 14 d/ 21 17 12 25 26 25 All other apparel products and services............................ 25 c/ d/ 10 d/ 26 d/ 31 d/ 28 d/ 20 d/ 19 d/ 14 41 Transportation........................... 52 d/ 1 38 37 9 14 53 37 68 104 Health care.............................. 32 d/ 8 d/ 12 d/ 10 d/ 18 25 23 59 21 59 Entertainment............................ 94 37 35 27 42 62 107 103 106 167 Toys, games, hobbies, and tricycles.... 40 d/ 7 9 14 23 38 42 41 53 62 Other entertainment.................... 54 30 26 14 20 24 64 62 53 105 Personal care products and services...... 33 d/ 52 d/ 1 26 d/ 18 16 90 31 23 36 Reading.................................. 2 d/ 1 1 1 1 3 1 2 3 3 Education................................ 216 114 d/ 10 d/ 25 d/ 82 44 153 175 192 598 All other gifts.......................... 78 25 13 28 19 80 49 79 89 155 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.