Table 37. Consumer units of two persons 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)...... 27,785 722 1,072 1,890 2,383 4,286 3,584 2,965 4,399 6,485 Income before taxes a/ ...................... $51,830 $1,376 $7,793 $12,623 $17,460 $24,442 $34,573 $44,550 $59,301 $114,693 Income after taxes a/ ....................... 48,666 1,346 7,771 12,726 17,303 23,957 33,404 42,621 56,103 105,185 Age of the reference person.................. 52.6 47.1 49.8 56.9 59.5 57.3 53.8 51.3 49.9 48.7 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .3 .3 .2 .1 .1 .1 .1 b/ b/ Persons 65 and over......................... .5 .4 .4 .7 .9 .8 .6 .4 .3 .2 Earners..................................... 1.3 .9 .7 .7 .7 .9 1.2 1.4 1.6 1.8 Vehicles.................................... 2.2 1.7 1.3 1.6 1.7 1.9 2.1 2.3 2.5 2.7 Percent distribution: Male........................................ 56 40 32 45 50 57 56 55 60 64 Female...................................... 44 60 68 55 50 43 44 45 40 36 Homeowner................................... 74 55 53 59 66 70 70 74 80 86 With mortgage.............................. 39 23 14 17 20 24 31 43 51 64 Without mortgage........................... 34 31 38 43 46 46 39 31 29 22 Renter...................................... 26 45 47 41 34 30 30 26 20 14 Black....................................... 9 21 24 17 13 9 9 8 5 5 White and other............................. 91 79 76 83 87 91 91 92 95 95 Elementary (1-8)............................ 5 7 9 15 12 8 4 2 1 1 High school (9-12).......................... 38 46 57 49 49 49 49 40 32 18 College..................................... 57 47 33 36 38 43 47 57 68 81 Never attended and other.................... c/ c/ 1 c/ c/ c/ d/ c/ c/ d/ At least one vehicle owned or leased........ 93 76 77 82 89 92 95 97 98 98 Average annual expenditures.................. $43,424 $26,863 $20,857 $23,005 $26,437 $30,217 $35,849 $41,098 $49,033 $71,583 Food........................................ 5,603 3,814 3,818 3,554 3,787 4,816 4,991 5,526 6,347 7,847 Food at home............................. 3,102 2,487 2,470 2,493 2,457 3,072 3,016 3,115 3,301 3,645 Cereals and bakery products............ 444 382 364 371 381 460 425 435 451 510 Cereals and cereal products.......... 141 134 124 135 129 143 136 141 138 155 Bakery products...................... 303 248 240 236 252 316 289 294 313 355 Meats, poultry, fish, and eggs......... 811 710 696 681 636 838 793 812 877 896 Beef................................. 246 203 224 197 188 279 246 243 270 252 Pork................................. 178 154 179 161 142 198 187 160 188 181 Other meats.......................... 96 75 95 88 79 99 90 94 105 104 Poultry.............................. 140 155 98 120 103 133 136 143 163 159 Fish and seafood..................... 117 88 68 79 89 94 101 138 120 168 Eggs................................. 34 35 33 37 34 35 33 36 31 33 Dairy products......................... 326 213 260 260 277 339 316 334 340 375 Fresh milk and cream................. 122 96 114 119 113 137 121 121 121 123 Other dairy products................. 204 117 146 141 163 202 195 212 219 252 Fruits and vegetables.................. 556 376 435 446 454 541 545 589 549 679 Fresh fruits......................... 178 121 149 135 148 170 165 187 168 228 Fresh vegetables..................... 183 126 140 143 142 175 178 193 188 226 Processed fruits..................... 110 67 78 97 95 111 113 121 103 127 Processed vegetables................. 86 62 68 72 70 85 89 88 90 97 Other food at home..................... 964 806 714 735 709 895 938 945 1,083 1,185 Sugar and other sweets............... 118 92 115 94 87 123 120 98 130 135 Fats and oils........................ 89 65 83 74 73 94 90 90 100 93 Miscellaneous foods.................. 442 395 256 321 325 388 429 455 507 560 Nonalcoholic beverages............... 264 219 233 221 206 249 255 252 295 309 Food prepared by consumer unit on out-of-town trips................... 51 35 26 25 18 41 45 49 52 88 Food away from home.................... 2,501 1,328 1,348 1,061 1,330 1,744 1,975 2,411 3,046 4,201 Alcoholic beverages......................... 481 443 224 206 207 251 362 476 603 869 Housing..................................... 13,446 9,415 6,835 7,853 8,388 9,572 10,801 12,219 14,704 22,240 Shelter.................................. 7,668 5,333 3,462 4,259 4,617 5,026 5,883 6,920 8,046 13,556 Owned dwellings........................ 5,117 2,849 1,482 2,076 2,493 2,756 3,442 4,373 5,534 10,363 Mortgage interest and charges........ 2,620 1,608 552 717 803 991 1,541 2,137 2,919 5,988 Property taxes....................... 1,317 800 566 760 912 925 950 1,064 1,367 2,351 Maintenance, repairs, insurance,other expenses............................ 1,180 440 364 599 778 840 952 1,173 1,248 2,024 Rented dwellings....................... 1,889 2,059 1,805 1,989 1,913 1,926 2,012 2,130 1,858 1,663 Other lodging.......................... 662 425 174 194 211 343 428 417 654 1,529 Utilities, fuels, and public services.... 2,772 2,232 2,026 2,192 2,274 2,452 2,619 2,756 2,985 3,466 Natural gas............................ 359 299 231 273 304 321 332 355 388 454 Electricity............................ 1,015 911 856 851 899 956 984 1,021 1,057 1,166 Fuel oil and other fuels............... 116 e/ 58 73 131 126 118 109 108 103 138 Telephone services..................... 942 711 676 698 690 756 887 935 1,052 1,256 Water and other public services........ 341 253 190 241 254 301 307 338 385 452 Household operations..................... 524 403 268 279 294 406 466 487 526 862 Personal services...................... 103 e/ 176 92 99 94 132 178 114 67 60 Other household expenses............... 421 226 175 180 200 274 287 373 458 802 Housekeeping supplies.................... 689 390 425 377 433 541 593 537 1,207 838 Laundry and cleaning supplies.......... 140 95 150 109 140 133 136 125 158 154 Other household products............... 379 225 185 190 181 249 318 251 848 430 Postage and stationery................. 170 71 90 78 113 158 139 161 200 254 Household furnishings and equipment...... 1,792 1,058 654 747 769 1,148 1,240 1,519 1,941 3,518 Household textiles..................... 157 85 42 47 62 120 130 155 202 267 Furniture.............................. 458 118 134 166 138 264 217 332 393 1,116 Floor coverings........................ 59 e/ 31 e/ 16 45 29 36 34 43 31 139 Major appliances....................... 242 142 e/ 40 118 106 193 150 212 274 447 Small appliances, miscellaneous housewares............................ 122 224 52 46 69 102 95 97 131 202 Miscellaneous household equipment...... 754 458 370 324 366 433 613 680 910 1,348 Apparel and services........................ 1,740 972 887 1,000 1,034 1,077 1,410 1,499 1,857 3,129 Men and boys............................. 390 193 257 154 247 262 328 299 429 695 Men, 16 and over....................... 356 164 230 123 217 220 288 271 396 663 Boys, 2 to 15.......................... 34 29 26 31 31 43 40 28 33 32 Women and girls.......................... 734 305 326 504 420 450 629 660 767 1,309 Women, 16 and over..................... 688 254 258 452 379 411 563 621 723 1,269 Girls, 2 to 15......................... 46 50 68 52 41 39 66 40 44 40 Children under 2......................... 48 78 28 48 31 25 33 48 50 76 Footwear................................. 299 e/ 268 174 180 197 179 244 275 342 496 Other apparel products and services...... 269 127 102 114 139 160 176 217 270 553 Transportation.............................. 8,232 5,155 4,185 4,091 4,986 5,629 7,652 8,960 9,687 12,364 Vehicle purchases (net outlay)........... 3,848 e/ 2,463 2,014 1,798 2,440 2,488 3,912 4,671 4,351 5,568 Cars and trucks, new................... 2,069 e/ 1,922 e/ 716 e/ 607 1,214 1,090 1,960 2,635 2,184 3,418 Cars and trucks, used.................. 1,736 e/ 475 1,298 1,142 1,225 1,398 1,952 1,966 2,087 2,068 Other vehicles......................... 44 e/ 66 d/ e/ 49 d/ d/ d/ e/ 70 e/ 80 83 Gasoline and motor oil................... 1,296 961 801 803 878 1,028 1,289 1,357 1,538 1,703 Other vehicle expenses................... 2,599 1,434 1,221 1,330 1,474 1,829 2,148 2,587 3,235 4,072 Vehicle finance charges................ 396 164 164 146 151 238 356 398 565 636 Maintenance and repairs................ 727 383 442 399 516 571 639 709 864 1,052 Vehicle insurance...................... 938 507 459 539 615 761 876 1,027 1,155 1,265 Vehicle rental, leases, licenses, other charges.............................. 537 380 156 247 192 259 278 453 652 1,118 Public transportation.................... 488 297 149 160 194 283 302 345 563 1,022 Health care................................. 3,008 2,334 1,841 2,409 3,271 3,252 3,161 3,137 2,922 3,108 Health insurance......................... 1,444 844 877 1,196 1,624 1,624 1,586 1,498 1,410 1,410 Medical services......................... 743 900 474 431 588 611 709 777 781 982 Drugs.................................... 680 421 410 710 932 875 731 670 597 555 Medical supplies......................... 142 170 80 72 127 142 136 192 134 162 Entertainment............................... 2,191 1,219 785 934 1,460 1,168 1,587 1,853 2,799 3,930 Fees and admissions...................... 573 257 192 178 207 256 348 436 591 1,306 Television, radios, sound equipment...... 681 464 400 431 447 501 622 694 784 987 Pets, toys, and playground equipment..... 403 254 113 163 191 247 324 452 519 669 Other entertainment supplies, equipment,and services.................. 534 245 81 162 615 164 293 271 906 968 Personal care products and services......... 566 413 341 315 388 489 509 580 630 801 Reading..................................... 174 87 70 101 107 120 139 159 199 290 Education................................... 504 722 375 221 362 324 293 387 503 928 Tobacco products and smoking supplies....... 343 346 313 379 308 307 348 426 405 289 Miscellaneous............................... 823 694 222 447 408 714 674 777 946 1,296 Cash contributions.......................... 1,586 701 508 545 694 991 1,346 1,402 1,857 2,922 Personal insurance and pensions............. 4,727 547 453 948 1,036 1,507 2,575 3,697 5,575 11,571 Life and other personal insurance........ 513 387 191 444 249 325 434 481 593 827 Pensions and Social Security............. 4,214 160 262 504 787 1,182 2,141 3,217 4,982 10,743 Sources of income and personal taxes: a/ Money income before taxes.................. 51,830 1,376 7,793 12,623 17,460 24,442 34,573 44,550 59,301 114,693 Wages and salaries....................... 38,390 1,431 2,579 4,328 5,948 11,120 21,199 31,712 45,979 95,709 Self-employment income................... 2,506 -1,580 149 258 316 557 1,189 1,414 1,717 7,859 Social Security, private and government retirement................... 8,671 1,026 3,269 6,767 10,017 11,349 10,524 9,411 9,705 6,641 Interest, dividends, rental income, other property income................... 1,312 -128 65 152 162 416 787 1,218 1,128 3,488 Unemployment and workers'' compensation, veterans'' benefits..................... 212 e/ 41 113 72 120 189 279 280 270 231 Public assistance, supplemental security, income, food stamps..................... 328 320 1,292 732 558 363 204 138 233 163 Regular contributions for support........ 276 113 178 205 200 337 299 312 149 377 Other income............................. 136 e/ 154 149 109 139 110 92 66 121 225 Personal taxes............................. 3,165 30 22 -103 157 485 1,169 1,929 3,198 9,508 Federal income taxes..................... 2,392 -58 -55 -110 28 271 758 1,366 2,452 7,402 State and local income taxes............. 601 c/ 17 40 33 90 233 403 536 1,811 Other taxes.............................. 172 87 61 -34 96 123 178 161 210 296 Income after taxes......................... 48,666 1,346 7,771 12,726 17,303 23,957 33,404 42,621 56,103 105,185 Net change in total assets and liabilities... -5,150 3,278 3,495 114 -5,546 1,195 -735 -3,681 -8,574 -13,890 Net change in total assets............... 4,727 4,327 4,837 3,014 -3,423 4,390 2,216 4,471 2,562 11,446 Net change in total liabilities.......... 9,877 1,048 1,342 2,900 2,123 3,195 2,951 8,152 11,136 25,336 Other financial information: Other money receipts..................... 784 614 115 385 680 281 159 2,716 592 992 Mortgage principal paid on owned property................................ -1,351 -825 -416 -582 -442 -644 -813 -1,053 -1,411 -2,981 Estimated market value of owned home..... 111,952 73,802 53,539 69,964 75,398 81,306 83,696 92,552 119,694 191,024 Estimated monthly rental value of owned home.................................... 760 536 381 477 538 594 602 681 802 1,216 Gifts of goods and services................. 1,332 590 457 443 558 821 862 1,048 1,344 2,837 Food..................................... 112 e/ 30 e/ 6 15 23 41 61 47 107 307 Alcoholic beverages...................... 16 e/ 39 e/ 5 e/ 1 e/ 4 18 9 11 21 26 Housing.................................. 334 181 119 127 177 212 254 299 304 671 Housekeeping supplies.................. 63 60 28 18 45 49 44 55 71 110 Household textiles..................... 23 e/ 3 c/ e/ 4 e/ 8 20 16 14 35 41 Appliances and miscellaneous housewares........................... 43 e/ 43 e/ 9 e/ 15 e/ 21 29 37 23 37 89 Major appliances..................... 13 d/ e/ 2 e/ 3 d/ 8 e/ 9 e/ 2 12 36 Small appliances and miscellaneous housewares......................... 29 e/ 43 e/ 8 e/ 12 e/ 21 21 27 21 25 53 Miscellaneous household equipment...... 85 25 37 23 38 47 70 114 81 162 Other housing.......................... 120 e/ 49 45 67 65 66 86 93 80 269 Apparel and services..................... 318 153 127 128 172 221 266 271 315 601 Males, 2 and over...................... 86 53 38 31 59 84 77 84 93 126 Females, 2 and over.................... 131 60 39 26 63 75 109 100 100 300 Children under 2....................... 43 38 14 32 19 21 33 47 50 76 Other apparel products and services.... 58 e/ 2 e/ 36 e/ 39 32 40 47 39 72 100 Jewelry and watches.................. 21 e/ 2 e/ 5 e/ 6 5 9 12 20 31 44 All other apparel products and services............................ 37 d/ e/ 31 e/ 33 e/ 27 31 35 e/ 19 41 57 Transportation........................... 61 7 77 35 11 13 27 36 107 120 Health care.............................. 52 e/ 14 e/ 1 e/ 7 e/ 50 41 18 75 50 94 Entertainment............................ 101 57 53 40 38 53 84 97 114 186 Toys, games, hobbies, and tricycles.... 48 e/ 18 e/ 10 24 15 28 43 51 69 78 Other entertainment.................... 52 e/ 39 e/ 43 16 23 25 42 46 46 108 Personal care products and services...... 25 e/ 33 e/ 25 15 11 36 20 21 30 27 Reading.................................. 2 e/ 1 2 1 c/ 2 2 2 4 3 Education................................ 197 e/ 20 e/ 10 e/ 11 50 113 37 78 167 575 All other gifts.......................... 115 56 31 63 22 71 85 111 125 225 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.