Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 9,101 422 453 499 1,029 1,082 1,043 1,630 2,942 Income before taxes a/ ...................... $63,354 $2,052 $12,523 $17,500 $24,860 $34,728 $44,595 $59,035 $120,813 Income after taxes a/ ....................... 60,883 2,266 12,543 18,507 25,231 34,750 43,781 57,403 114,019 Age of the reference person.................. 40.6 40.8 38.7 37.3 39.0 39.2 39.1 40.3 43.1 Average number in consumer unit: Persons..................................... 5.6 5.7 5.6 5.6 5.6 5.6 5.7 5.6 5.5 Children under 18........................... 2.8 3.2 3.3 3.1 3.0 2.9 2.8 2.8 2.5 Persons 65 and over......................... .1 .1 .1 .2 .1 .1 .1 .1 .1 Earners..................................... 2.3 1.5 1.5 1.6 1.9 2.2 2.3 2.5 2.7 Vehicles.................................... 2.6 1.5 1.4 1.7 1.8 2.3 2.5 2.9 3.3 Percent distribution: Male........................................ 53 37 37 40 47 51 55 56 60 Female...................................... 47 63 63 60 53 49 45 44 40 Homeowner................................... 70 46 35 36 52 61 66 77 91 With mortgage.............................. 57 34 20 18 36 47 54 66 80 Without mortgage........................... 13 11 15 18 16 14 13 11 12 Renter...................................... 30 54 65 64 48 39 34 23 9 Black....................................... 15 26 27 24 21 20 13 14 8 White and other............................. 85 74 73 76 79 80 87 86 92 Elementary (1-8)............................ 8 16 17 14 16 7 11 5 3 High school (9-12).......................... 43 57 54 63 58 55 48 43 25 College..................................... 48 26 29 19 26 37 41 52 72 Never attended and other.................... 1 1 1 4 1 1 b/ b/ b/ At least one vehicle owned or leased........ 93 77 74 86 88 95 96 98 98 Average annual expenditures.................. $56,520 $33,100 $26,431 $32,333 $32,728 $40,449 $48,088 $55,699 $86,288 Food........................................ 8,586 6,145 6,255 6,007 6,539 6,933 7,186 8,340 11,677 Food at home............................. 5,393 4,076 4,770 4,104 4,851 4,845 4,907 5,068 6,632 Cereals and bakery products............ 843 667 759 585 734 740 770 773 1,067 Cereals and cereal products.......... 320 273 323 232 307 299 289 281 386 Bakery products...................... 523 393 436 353 427 441 481 492 681 Meats, poultry, fish, and eggs......... 1,463 1,172 1,536 1,176 1,503 1,437 1,374 1,364 1,622 Beef................................. 456 380 466 362 486 447 413 423 505 Pork................................. 298 236 357 264 317 308 286 270 316 Other meats.......................... 178 123 161 116 190 189 139 171 205 Poultry.............................. 289 213 352 259 261 260 296 267 329 Fish and seafood..................... 176 167 138 118 169 164 159 174 207 Eggs................................. 65 54 61 57 80 69 82 59 60 Dairy products......................... 589 471 427 424 502 502 530 553 758 Fresh milk and cream................. 260 261 186 226 262 229 240 252 296 Other dairy products................. 329 210 240 198 240 273 290 300 463 Fruits and vegetables.................. 874 656 761 645 862 781 691 837 1,077 Fresh fruits......................... 269 173 236 176 297 225 220 244 339 Fresh vegetables..................... 267 217 199 210 274 267 207 252 317 Processed fruits..................... 202 158 172 153 178 168 152 209 256 Processed vegetables................. 135 108 154 107 112 122 112 131 166 Other food at home..................... 1,625 1,110 1,287 1,275 1,250 1,385 1,542 1,542 2,107 Sugar and other sweets............... 212 132 135 138 178 183 217 207 271 Fats and oils........................ 141 104 142 100 140 138 143 131 161 Miscellaneous foods.................. 799 513 609 657 613 645 734 756 1,061 Nonalcoholic beverages............... 417 320 376 366 297 388 404 401 515 Food prepared by consumer unit on out-of-town trips................... 56 c/ 41 c/ 25 c/ 14 23 32 44 47 98 Food away from home.................... 3,193 2,069 1,486 1,902 1,688 2,088 2,279 3,272 5,045 Alcoholic beverages......................... 338 222 c/ 93 271 150 217 428 275 518 Housing..................................... 17,456 13,826 9,523 9,894 11,123 11,974 14,709 16,749 26,067 Shelter.................................. 9,918 8,543 5,599 5,357 6,025 6,689 8,460 9,180 15,031 Owned dwellings........................ 7,080 5,089 1,902 1,763 2,775 3,752 5,212 6,695 12,672 Mortgage interest and charges........ 4,576 3,317 1,225 1,006 1,659 2,498 3,353 4,483 8,149 Property taxes....................... 1,544 1,122 386 501 545 714 1,026 1,313 2,926 Maintenance, repairs, insurance,other expenses............................ 960 650 292 256 571 540 833 899 1,597 Rented dwellings....................... 2,288 2,955 3,605 3,512 3,204 2,795 2,975 2,110 1,130 Other lodging.......................... 550 499 c/ 91 c/ 83 47 142 273 376 1,229 Utilities, fuels, and public services.... 3,674 3,176 2,563 2,695 2,961 3,179 3,449 3,738 4,557 Natural gas............................ 506 396 364 292 393 427 526 494 649 Electricity............................ 1,370 1,347 1,051 1,112 1,217 1,249 1,283 1,381 1,589 Fuel oil and other fuels............... 120 133 c/ 30 c/ 118 106 108 133 100 148 Telephone services..................... 1,229 937 815 875 918 1,031 1,112 1,286 1,586 Water and other public services........ 449 363 303 298 328 364 395 477 587 Household operations..................... 969 768 237 428 461 354 755 800 1,775 Personal services...................... 582 c/ 241 c/ 141 262 341 144 504 524 1,057 Other household expenses............... 387 527 96 166 120 211 251 276 718 Housekeeping supplies.................... 759 630 362 530 521 576 584 923 996 Laundry and cleaning supplies.......... 239 227 180 222 216 219 204 248 274 Other household products............... 375 280 134 217 221 266 273 529 497 Postage and stationery................. 145 123 c/ 47 90 84 92 106 145 225 Household furnishings and equipment...... 2,136 709 763 884 1,156 1,175 1,461 2,108 3,708 Household textiles..................... 176 82 c/ 251 89 187 83 141 160 249 Furniture.............................. 531 164 177 137 371 228 437 557 893 Floor coverings........................ 57 c/ 7 c/ 10 c/ 2 15 c/ 2 14 45 137 Major appliances....................... 255 94 173 138 144 148 230 318 363 Small appliances, miscellaneous housewares............................ 100 37 21 62 59 54 99 78 171 Miscellaneous household equipment...... 1,016 324 131 455 379 660 540 950 1,896 Apparel and services........................ 3,132 2,270 1,649 2,601 1,674 2,506 2,673 2,766 4,673 Men and boys............................. 804 586 326 606 363 618 500 706 1,321 Men, 16 and over....................... 507 448 c/ 109 231 170 380 237 427 923 Boys, 2 to 15.......................... 297 138 217 376 193 238 263 279 398 Women and girls.......................... 1,177 809 420 814 623 939 1,074 1,048 1,789 Women, 16 and over..................... 758 592 c/ 112 560 378 462 625 668 1,243 Girls, 2 to 15......................... 419 217 308 254 244 478 449 380 546 Children under 2......................... 207 78 251 215 166 218 205 203 235 Footwear................................. 637 600 c/ 518 717 349 568 605 588 817 Other apparel products and services...... 306 197 134 248 174 163 289 222 511 Transportation.............................. 11,103 5,076 4,391 7,546 6,491 8,795 11,317 12,152 15,430 Vehicle purchases (net outlay)........... 5,490 2,305 c/ 1,913 4,461 3,463 4,628 5,660 6,106 7,297 Cars and trucks, new................... 2,147 c/ 467 c/ 271 c/ 2,098 c/ 373 c/ 1,121 1,509 2,410 3,764 Cars and trucks, used.................. 3,282 1,838 1,642 2,364 3,088 3,478 4,054 3,610 3,438 Other vehicles......................... 61 d/ d/ d/ c/ 2 c/ 28 c/ 96 c/ 86 c/ 95 Gasoline and motor oil................... 1,869 1,113 992 1,163 1,282 1,565 1,811 2,059 2,465 Other vehicle expenses................... 3,337 1,362 1,214 1,691 1,625 2,329 3,575 3,689 4,934 Vehicle finance charges................ 597 219 230 261 343 451 609 710 840 Maintenance and repairs................ 945 372 315 436 457 566 1,427 1,124 1,268 Vehicle insurance...................... 1,151 499 571 725 659 982 1,039 1,240 1,630 Vehicle rental, leases, licenses, other charges.............................. 645 272 97 270 166 329 500 616 1,197 Public transportation.................... 408 297 272 231 120 273 272 298 734 Health care................................. 2,268 1,024 1,060 1,016 1,273 1,820 2,046 2,692 3,204 Health insurance......................... 1,123 508 550 426 664 873 1,171 1,280 1,567 Medical services......................... 677 270 196 299 336 496 526 892 995 Drugs.................................... 346 177 169 246 223 349 276 376 466 Medical supplies......................... 122 69 c/ 144 c/ 45 50 101 73 144 176 Entertainment............................... 2,922 1,154 929 1,041 1,150 1,842 2,419 2,724 5,103 Fees and admissions...................... 816 251 183 158 147 254 546 628 1,748 Television, radios, sound equipment...... 874 514 370 496 522 692 841 894 1,259 Pets, toys, and playground equipment..... 514 216 229 238 277 468 445 568 740 Other entertainment supplies, equipment,and services.................. 718 173 146 149 204 428 588 634 1,356 Personal care products and services......... 701 597 439 462 410 560 531 662 1,035 Reading..................................... 135 54 34 50 47 54 80 141 253 Education................................... 1,116 1,000 234 457 387 508 681 910 2,127 Tobacco products and smoking supplies....... 439 357 340 494 423 576 515 521 338 Miscellaneous............................... 991 461 442 1,037 479 647 677 1,163 1,463 Cash contributions.......................... 1,532 420 268 230 604 854 895 1,112 3,141 Personal insurance and pensions............. 5,802 494 772 1,226 1,978 3,164 3,932 5,492 11,257 Life and other personal insurance........ 484 130 139 167 175 307 314 427 908 Pensions and Social Security............. 5,317 364 633 1,059 1,803 2,858 3,618 5,065 10,349 Sources of income and personal taxes: a/ Money income before taxes.................. 63,354 2,052 12,523 17,500 24,860 34,728 44,595 59,035 120,813 Wages and salaries....................... 56,216 3,708 7,289 12,885 20,415 30,771 39,637 53,686 107,813 Self-employment income................... 3,205 -3,752 c/ 326 c/ 267 905 930 1,996 2,191 7,779 Social Security, private and government retirement................... 1,762 710 1,511 1,455 1,530 1,586 1,325 1,742 2,316 Interest, dividends, rental income, other property income................... 638 -289 c/ 28 c/ 3 43 167 150 122 1,812 Unemployment and workers'' compensation, veterans'' benefits..................... 269 c/ 71 c/ 115 c/ 258 159 295 337 408 251 Public assistance, supplemental security, income, food stamps..................... 698 1,313 2,499 1,862 1,210 651 554 377 203 Regular contributions for support........ 391 270 572 616 469 292 497 284 373 Other income............................. 175 c/ 22 c/ 183 c/ 153 130 36 c/ 99 227 266 Personal taxes............................. 2,471 -215 -20 -1,007 -372 -22 814 1,632 6,794 Federal income taxes..................... 1,738 -290 -20 -1,014 -491 -254 342 1,095 5,131 State and local income taxes............. 591 32 -6 -24 73 178 348 432 1,374 Other taxes.............................. 142 c/ 43 c/ 6 31 47 54 124 105 289 Income after taxes......................... 60,883 2,266 12,543 18,507 25,231 34,750 43,781 57,403 114,019 Net change in total assets and liabilities... -5,463 -3,785 -1,888 1,363 -4,235 -2,823 -10,763 -7,716 -5,686 Net change in total assets............... 9,378 1,770 2,399 6,103 3,266 3,152 5,919 5,575 19,862 Net change in total liabilities.......... 14,841 5,556 4,287 4,741 7,502 5,976 16,682 13,291 25,548 Other financial information: Other money receipts..................... 469 c/ 282 c/ 27 c/ 102 137 93 67 1,180 629 Mortgage principal paid on owned property................................ -2,274 -1,406 -810 -363 -609 -1,112 -1,086 -1,743 -4,676 Estimated market value of owned home..... 123,879 109,922 41,216 34,261 46,847 64,137 81,628 107,486 226,815 Estimated monthly rental value of owned home.................................... 817 453 273 276 352 505 609 800 1,407 Gifts of goods and services................. 1,026 707 510 753 585 636 509 921 1,732 Food..................................... 65 c/ 82 c/ 49 c/ 53 c/ 5 24 25 63 119 Alcoholic beverages...................... 18 c/ 30 c/ 2 c/ 11 c/ 2 c/ 11 c/ 10 16 32 Housing.................................. 287 145 127 135 153 182 164 292 482 Housekeeping supplies.................. 37 c/ 8 c/ 1 c/ 22 c/ 13 24 29 44 62 Household textiles..................... 12 c/ 2 c/ 1 b/ c/ 1 c/ 9 c/ 2 c/ 12 24 Appliances and miscellaneous housewares........................... 15 b/ c/ 4 c/ 14 c/ 15 c/ 4 c/ 7 c/ 12 26 Major appliances..................... 2 d/ c/ 4 d/ c/ 1 d/ d/ c/ 4 c/ 3 Small appliances and miscellaneous housewares......................... 13 b/ b/ c/ 14 c/ 14 c/ 4 c/ 7 c/ 8 22 Miscellaneous household equipment...... 67 c/ 11 c/ 4 c/ 11 26 38 23 91 120 Other housing.......................... 156 123 118 89 98 107 102 131 250 Apparel and services..................... 253 367 110 162 92 239 107 217 406 Males, 2 and over...................... 64 c/ 154 c/ 34 74 c/ 22 35 c/ 19 46 104 Females, 2 and over.................... 94 168 c/ 15 c/ 27 c/ 5 c/ 97 c/ 25 80 169 Children under 2....................... 68 c/ 40 c/ 57 55 48 80 55 74 79 Other apparel products and services.... 28 c/ 4 c/ 4 c/ 5 c/ 18 c/ 28 c/ 8 16 55 Jewelry and watches.................. 7 c/ 3 c/ 2 b/ c/ 8 c/ 4 c/ 7 c/ 7 12 All other apparel products and services............................ 20 c/ 2 c/ 1 c/ 5 c/ 9 c/ 24 c/ 2 c/ 10 43 Transportation........................... 61 c/ 4 d/ c/ 89 c/ 241 c/ 10 55 49 38 Health care.............................. 20 c/ 1 c/ 151 c/ 5 c/ 11 c/ 5 c/ 5 c/ 16 21 Entertainment............................ 77 c/ 23 c/ 21 c/ 15 41 65 45 45 150 Toys, games, hobbies, and tricycles.... 20 c/ 5 c/ 6 c/ 5 c/ 24 c/ 17 c/ 10 9 35 Other entertainment.................... 57 c/ 18 c/ 15 c/ 10 17 48 36 36 114 Personal care products and services...... 23 c/ 27 d/ c/ 25 c/ 3 12 24 c/ 6 46 Reading.................................. b/ b/ d/ d/ d/ b/ b/ c/ 1 1 Education................................ 134 c/ 23 c/ 36 c/ 20 19 59 39 112 299 All other gifts.......................... 87 c/ 3 c/ 14 c/ 238 19 30 34 104 139 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c Data are likely to have large sampling errors. d No data reported. n.a. Not applicable.