Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 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)...... 18,793 452 782 862 925 1,950 1,989 1,898 3,146 6,790 Income before taxes a/ ...................... $66,549 - $794 $7,817 $12,521 $17,350 $24,608 $34,680 $44,139 $59,217 $122,395 Income after taxes a/ ....................... 62,551 -1,164 7,831 12,460 17,320 23,997 33,539 41,956 56,275 113,847 Age of the reference person.................. 49.3 49.7 49.5 49.3 49.5 49.4 49.4 49.4 49.3 49.2 Average number in consumer unit: Persons..................................... 2.6 1.9 1.8 2.2 2.3 2.4 2.4 2.3 2.7 3.1 Children under 18........................... .6 .4 .4 .6 .5 .5 .4 .5 .6 .7 Persons 65 and over......................... b/ b/ b/ b/ .1 b/ .1 b/ b/ b/ Earners..................................... 1.8 1.0 .6 1.0 1.2 1.4 1.6 1.6 1.9 2.3 Vehicles.................................... 2.4 1.5 .8 1.2 1.6 1.7 2.1 2.3 2.6 3.3 Percent distribution: Male........................................ 53 49 38 37 43 45 52 47 56 60 Female...................................... 47 51 62 63 57 55 48 53 44 40 Homeowner................................... 75 52 37 42 52 59 65 75 82 93 With mortgage.............................. 56 32 16 18 30 37 46 53 63 76 Without mortgage........................... 19 20 21 24 23 22 19 21 19 17 Renter...................................... 25 48 63 58 48 41 35 25 18 7 Black or African American................... 11 22 24 21 20 18 12 12 9 6 White, Asian, and All Other Races........... 89 78 76 79 80 82 88 88 91 94 Elementary (1-8)............................ 4 10 9 12 10 8 5 3 2 c/ High school (9-12).......................... 35 39 55 57 45 52 47 36 33 20 College..................................... 61 51 35 30 43 40 48 60 65 80 Never attended and other.................... c/ d/ c/ 1 2 c/ d/ c/ c/ c/ At least one vehicle owned or leased........ 92 68 52 70 86 88 96 97 99 98 Average annual expenditures.................. $52,136 $29,006 $15,955 $22,857 $25,052 $28,348 $35,887 $39,303 $49,772 $81,792 Food........................................ 6,595 4,596 2,719 3,712 3,891 4,389 5,095 5,212 6,971 9,316 Food at home............................. 3,740 3,136 2,010 2,611 2,703 3,096 3,181 3,076 4,081 4,693 Cereals and bakery products............ 526 409 271 418 407 427 456 441 564 656 Cereals and cereal products.......... 173 169 99 124 121 155 155 143 179 213 Bakery products...................... 353 240 172 294 286 272 301 298 385 443 Meats, poultry, fish, and eggs......... 988 942 475 684 705 966 868 770 1,108 1,184 Beef................................. 306 273 113 218 200 287 250 237 341 385 Pork................................. 199 231 97 173 161 214 197 159 219 217 Other meats.......................... 125 106 81 99 78 116 92 102 161 143 Poultry.............................. 172 160 103 109 109 180 160 148 178 203 Fish and seafood..................... 146 124 51 51 112 125 131 89 171 192 Eggs................................. 40 48 30 34 45 42 38 35 37 44 Dairy products......................... 390 320 242 257 304 303 314 336 424 493 Fresh milk and cream................. 143 143 106 101 101 125 124 126 150 170 Other dairy products................. 247 177 136 156 203 178 190 210 274 323 Fruits and vegetables.................. 637 506 382 433 438 488 552 495 686 825 Fresh fruits......................... 202 117 137 100 146 143 167 139 224 276 Fresh vegetables..................... 211 208 131 160 111 173 183 155 210 278 Processed fruits..................... 127 110 68 93 79 96 118 111 142 156 Processed vegetables................. 98 71 47 79 101 75 84 91 110 115 Other food at home..................... 1,199 960 638 820 850 912 990 1,034 1,300 1,535 Sugar and other sweets............... 140 108 65 116 107 116 112 125 154 173 Fats and oils........................ 103 83 59 75 81 97 87 88 106 125 Miscellaneous foods.................. 579 398 315 391 388 416 471 511 653 742 Nonalcoholic beverages............... 327 339 183 230 261 261 286 280 349 403 Food prepared by consumer unit on out-of-town trips................... 50 e/ 31 e/ 16 e/ 8 e/ 12 22 34 30 38 91 Food away from home.................... 2,854 1,460 710 1,100 1,188 1,292 1,915 2,136 2,890 4,623 Alcoholic beverages......................... 515 275 122 214 203 221 291 310 471 909 Housing..................................... 15,885 10,854 6,402 8,517 8,873 9,489 11,680 12,230 14,465 24,003 Shelter.................................. 9,339 6,563 3,797 5,123 5,191 5,538 6,908 7,308 8,122 14,199 Owned dwellings........................ 6,884 4,123 1,447 2,017 2,542 2,883 4,045 4,819 6,093 11,826 Mortgage interest and charges........ 4,090 2,411 752 1,075 1,321 1,694 2,235 2,975 3,563 7,134 Property taxes....................... 1,569 971 412 516 597 643 911 1,064 1,461 2,659 Maintenance, repairs, insurance,other expenses............................ 1,224 741 283 427 624 546 899 779 1,069 2,033 Rented dwellings....................... 1,758 2,037 2,286 3,021 2,559 2,506 2,678 2,168 1,620 874 Other lodging.......................... 698 402 e/ 63 e/ 85 90 149 185 321 408 1,498 Utilities, fuels, and public services.... 3,243 2,441 1,731 2,198 2,290 2,512 2,708 2,850 3,288 4,188 Natural gas............................ 422 309 143 245 267 308 357 398 408 570 Electricity............................ 1,164 866 791 903 884 978 990 1,025 1,198 1,424 Fuel oil and other fuels............... 113 e/ 90 e/ 43 68 102 71 97 68 119 157 Telephone services..................... 1,154 895 581 756 785 869 958 1,006 1,165 1,514 Water and other public services........ 390 282 173 226 252 286 306 352 398 522 Household operations..................... 648 261 131 168 227 226 318 424 486 1,207 Personal services...................... 146 e/ 46 e/ 5 e/ 2 e/ 38 41 69 123 94 284 Other household expenses............... 502 215 126 166 188 185 248 301 392 923 Housekeeping supplies.................... 673 588 231 432 376 413 573 416 683 995 Laundry and cleaning supplies.......... 164 151 90 150 108 143 159 111 162 208 Other household products............... 343 287 95 212 184 184 295 200 322 536 Postage and stationery................. 167 150 47 70 83 85 119 105 199 251 Household furnishings and equipment...... 1,982 1,002 512 596 790 799 1,174 1,232 1,887 3,415 Household textiles..................... 159 108 37 64 83 111 109 92 160 251 Furniture.............................. 472 188 132 117 110 202 261 263 359 875 Floor coverings........................ 67 e/ 40 e/ 4 e/ 2 e/ 20 21 24 10 36 146 Major appliances....................... 237 79 85 57 62 76 120 250 222 396 Small appliances, miscellaneous housewares............................ 125 112 27 48 61 59 92 73 102 214 Miscellaneous household equipment...... 922 476 227 308 455 330 568 545 1,009 1,533 Apparel and services........................ 2,143 2,259 861 1,135 1,492 1,266 1,275 1,490 2,123 3,240 Men and boys............................. 504 553 215 131 447 203 297 397 439 810 Men, 16 and over....................... 411 450 173 87 344 155 245 317 340 681 Boys, 2 to 15.......................... 93 103 42 44 103 48 52 80 99 129 Women and girls.......................... 899 997 378 539 550 520 501 620 943 1,350 Women, 16 and over..................... 785 970 334 487 494 433 418 560 823 1,174 Girls, 2 to 15......................... 114 27 44 52 56 87 83 59 120 176 Children under 2......................... 56 e/ 30 e/ 38 41 31 64 51 47 56 67 Footwear................................. 376 526 e/ 140 263 313 325 267 227 438 484 Other apparel products and services...... 307 153 90 161 151 155 159 199 248 528 Transportation.............................. 9,820 4,558 2,246 4,782 4,433 5,814 7,648 7,959 9,615 14,821 Vehicle purchases (net outlay)........... 4,572 e/ 2,110 e/ 809 2,639 1,788 2,648 3,693 3,762 4,162 7,020 Cars and trucks, new................... 2,332 e/ 928 e/ 52 e/ 400 e/ 529 e/ 599 1,435 1,383 1,847 4,429 Cars and trucks, used.................. 2,113 e/ 1,085 757 2,225 1,259 1,936 2,247 2,285 2,183 2,371 Other vehicles......................... 127 e/ 98 d/ e/ 15 d/ e/ 112 e/ 11 e/ 94 e/ 132 221 Gasoline and motor oil................... 1,600 839 568 759 987 1,107 1,390 1,386 1,721 2,165 Other vehicle expenses................... 3,171 1,389 726 1,203 1,466 1,856 2,356 2,570 3,327 4,769 Vehicle finance charges................ 494 262 91 154 207 256 335 421 601 724 Maintenance and repairs................ 875 357 310 356 504 556 653 704 901 1,287 Vehicle insurance...................... 1,209 471 263 534 613 761 936 1,069 1,238 1,768 Vehicle rental, leases, licenses, other charges.............................. 593 300 62 159 143 283 432 375 587 991 Public transportation.................... 477 219 143 182 191 203 209 240 405 867 Health care................................. 2,598 1,728 1,133 1,158 1,442 1,704 2,163 2,337 2,650 3,603 Health insurance......................... 1,207 852 420 548 716 720 1,020 1,197 1,311 1,621 Medical services......................... 758 355 316 311 323 428 584 625 725 1,149 Drugs.................................... 501 444 296 266 326 499 447 426 484 631 Medical supplies......................... 132 75 102 33 77 57 113 90 130 202 Entertainment............................... 2,580 1,541 580 807 1,142 1,135 1,403 1,811 2,299 4,415 Fees and admissions...................... 674 356 88 142 185 175 228 349 491 1,347 Television, radios, sound equipment...... 858 617 332 487 491 558 661 714 898 1,197 Pets, toys, and playground equipment..... 498 249 113 133 350 312 330 478 525 723 Other entertainment supplies, equipment,and services.................. 549 319 47 45 116 90 184 269 385 1,148 Personal care products and services......... 648 415 290 348 352 362 446 516 646 970 Reading..................................... 169 85 44 61 82 69 85 135 165 280 Education................................... 1,301 485 149 277 429 244 344 465 868 2,758 Tobacco products and smoking supplies....... 417 269 422 394 407 464 507 450 485 350 Miscellaneous............................... 974 539 256 451 470 504 707 847 1,144 1,387 Cash contributions.......................... 1,741 740 323 266 367 635 881 1,068 1,442 3,243 Personal insurance and pensions............. 6,751 664 407 735 1,470 2,054 3,361 4,472 6,427 12,499 Life and other personal insurance........ 621 384 112 128 327 231 345 399 504 1,108 Pensions and Social Security............. 6,130 280 296 607 1,143 1,823 3,016 4,073 5,923 11,391 Sources of income and personal taxes: a/ Money income before taxes.................. 66,549 -794 7,817 12,521 17,350 24,608 34,680 44,139 59,217 122,395 Wages and salaries....................... 58,529 2,121 2,639 6,410 12,149 19,755 30,155 38,858 54,400 108,511 Self-employment income................... 3,456 -3,846 250 429 939 762 1,055 1,674 1,637 7,855 Social Security, private and government retirement................... 2,232 409 2,263 2,952 2,649 2,687 2,007 2,352 1,649 2,374 Interest, dividends, rental income, other property income................... 1,139 -181 49 300 224 295 474 402 544 2,502 Unemployment and workers'' compensation, veterans'' benefits..................... 345 e/ 101 e/ 168 446 288 379 461 300 416 312 Public assistance, supplemental security, income, food stamps..................... 325 430 2,028 1,577 732 390 244 141 135 51 Regular contributions for support........ 413 e/ 73 269 286 266 235 190 333 336 663 Other income............................. 111 e/ 99 151 121 e/ 103 105 94 79 100 128 Personal taxes............................. 3,998 370 -13 61 30 612 1,141 2,183 2,943 8,548 Federal income taxes..................... 2,981 316 -54 13 -97 380 655 1,539 2,110 6,539 State and local income taxes............. 806 5 4 13 93 170 364 531 644 1,613 Other taxes.............................. 211 e/ 50 36 35 34 62 121 113 189 395 Income after taxes......................... 62,551 -1,164 7,831 12,460 17,320 23,997 33,539 41,956 56,275 113,847 Net change in total assets and liabilities... -16,721 3,707 -546 546 -7,493 -4,488 -3,527 -7,593 -10,502 -36,201 Net change in total assets............... 5,690 10,530 1,356 876 -2,210 1,783 5,719 6,895 4,809 8,740 Net change in total liabilities.......... 22,411 6,823 1,902 330 5,283 6,272 9,246 14,488 15,311 44,941 Other financial information: Other money receipts..................... 680 e/ 626 169 e/ 55 305 172 156 453 810 1,175 Mortgage principal paid on owned property................................ -2,316 -1,332 -498 -696 -703 -754 -958 -1,400 -1,989 -4,270 Estimated market value of owned home..... 137,452 99,642 36,567 50,285 49,356 56,505 74,507 93,544 118,285 237,490 Estimated monthly rental value of owned home.................................... 874 570 284 355 370 446 546 706 826 1,384 Gifts of goods and services................. 1,640 1,004 236 420 1,041 622 684 934 1,410 2,978 Food..................................... 149 e/ 51 e/ 21 58 e/ 96 32 53 66 105 298 Alcoholic beverages...................... 20 c/ e/ 6 e/ 6 e/ 64 e/ 4 e/ 2 e/ 7 17 35 Housing.................................. 365 394 39 87 103 174 216 186 329 640 Housekeeping supplies.................. 53 e/ 64 e/ 9 e/ 21 e/ 9 26 35 29 68 82 Household textiles..................... 22 e/ 22 d/ e/ 3 e/ 21 e/ 9 e/ 29 23 8 36 Appliances and miscellaneous housewares........................... 33 e/ 43 e/ 1 e/ 4 e/ 22 e/ 6 21 e/ 16 27 60 Major appliances..................... 8 e/ 2 e/ 1 d/ d/ e/ 1 e/ 9 c/ 7 15 Small appliances and miscellaneous housewares......................... 25 e/ 41 c/ e/ 4 e/ 22 e/ 6 e/ 11 e/ 16 21 45 Miscellaneous household equipment...... 94 e/ 124 e/ 3 22 39 29 53 41 125 150 Other housing.......................... 163 e/ 141 25 e/ 37 e/ 12 105 78 76 101 311 Apparel and services..................... 276 245 85 115 255 168 174 218 326 382 Males, 2 and over...................... 76 e/ 29 e/ 6 e/ 30 126 19 25 71 78 122 Females, 2 and over.................... 95 e/ 137 e/ 36 57 50 50 63 68 133 123 Children under 2....................... 44 e/ 25 e/ 37 e/ 14 16 54 39 44 41 55 Other apparel products and services.... 60 e/ 54 e/ 5 e/ 14 e/ 64 45 47 35 75 82 Jewelry and watches.................. 23 e/ 2 e/ 5 e/ 6 e/ 8 e/ 13 13 22 34 32 All other apparel products and services............................ 37 e/ 52 c/ e/ 8 e/ 55 e/ 32 e/ 34 e/ 13 41 50 Transportation........................... 90 17 e/ 15 e/ 6 e/ 140 102 35 121 74 119 Health care.............................. 51 e/ 57 e/ 8 e/ 10 e/ 5 e/ 35 26 26 46 87 Entertainment............................ 101 e/ 39 e/ 25 e/ 19 e/ 43 51 64 60 94 173 Toys, games, hobbies, and tricycles.... 35 e/ 19 e/ 5 e/ 8 e/ 21 27 28 34 36 48 Other entertainment.................... 66 e/ 20 20 e/ 10 e/ 23 24 37 26 58 125 Personal care products and services...... 30 e/ 7 e/ 19 30 60 e/ 5 9 32 30 43 Reading.................................. 1 d/ d/ c/ e/ 1 1 1 1 2 2 Education................................ 457 e/ 162 e/ 7 e/ 26 e/ 250 35 59 140 305 1,010 All other gifts.......................... 100 e/ 30 10 63 24 15 44 78 81 187 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.