Table 29. Consumer units with reference person age 55 to 64 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)...... 13,209 370 959 905 870 1,597 1,550 1,372 2,135 3,451 Income before taxes a/ ...................... $56,036 $1,229 $7,813 $12,440 $17,306 $24,944 $34,616 $44,319 $58,627 $123,573 Income after taxes a/ ....................... 53,195 1,341 7,733 12,395 17,085 24,489 33,409 42,461 55,998 115,894 Age of the reference person.................. 59.1 59.4 60.0 59.8 59.6 59.7 59.5 59.1 58.8 58.4 Average number in consumer unit: Persons..................................... 2.1 1.8 1.5 1.8 1.9 1.9 2.1 2.2 2.3 2.5 Children under 18........................... .2 b/ .2 .2 .2 .2 .2 .2 .2 .2 .2 Persons 65 and over......................... .1 b/ .1 c/ .1 .1 .1 .1 .1 .1 .1 Earners..................................... 1.3 .7 .4 .6 .9 1.1 1.3 1.5 1.5 1.9 Vehicles.................................... 2.3 1.5 1.0 1.6 1.6 1.8 2.3 2.3 2.6 3.0 Percent distribution: Male........................................ 52 31 34 40 43 40 50 55 59 66 Female...................................... 48 69 66 60 57 60 50 45 41 34 Homeowner................................... 80 62 49 62 67 78 81 83 88 94 With mortgage.............................. 43 29 20 20 27 36 40 48 52 60 Without mortgage........................... 37 33 29 42 40 43 41 35 36 34 Renter...................................... 20 38 51 38 33 22 19 17 12 6 Black or African American................... 11 16 26 16 18 16 10 8 7 4 White, Asian, and All Other Races........... 89 84 74 84 82 84 90 92 93 96 Elementary (1-8)............................ 7 13 20 10 13 10 5 7 2 1 High school (9-12).......................... 38 40 47 56 52 48 44 39 35 20 College..................................... 55 43 32 33 34 42 51 54 63 79 Never attended and other.................... d/ 4 d/ 1 d/ d/ e/ d/ d/ e/ At least one vehicle owned or leased........ 91 73 61 82 85 93 96 95 97 99 Average annual expenditures.................. $46,353 $24,768 $17,619 $22,569 $24,644 $29,610 $37,414 $41,306 $50,088 $79,670 Food........................................ 5,776 3,677 2,914 3,481 3,735 4,153 5,310 5,250 6,309 8,721 Food at home............................. 3,334 2,682 1,954 2,315 2,479 2,645 3,351 3,101 3,840 4,361 Cereals and bakery products............ 442 408 276 306 353 357 454 383 485 577 Cereals and cereal products.......... 141 155 111 89 133 118 148 136 148 169 Bakery products...................... 301 254 165 217 220 239 306 248 337 408 Meats, poultry, fish, and eggs......... 874 627 555 611 622 666 864 914 1,140 1,061 Beef................................. 265 125 129 154 176 190 214 241 520 286 Pork................................. 181 159 138 149 137 148 181 182 187 225 Other meats.......................... 105 76 68 94 89 73 142 114 110 122 Poultry.............................. 142 111 88 105 113 122 149 141 171 168 Fish and seafood..................... 147 127 106 81 79 98 137 202 117 222 Eggs................................. 35 28 26 29 27 35 42 34 34 38 Dairy products......................... 343 268 207 227 269 307 325 319 377 449 Fresh milk and cream................. 125 87 97 108 109 125 127 127 132 141 Other dairy products................. 218 182 109 119 159 182 199 192 245 308 Fruits and vegetables.................. 615 526 340 421 463 484 645 577 649 831 Fresh fruits......................... 202 170 96 140 148 144 215 205 212 279 Fresh vegetables..................... 201 186 116 107 160 163 208 172 222 273 Processed fruits..................... 119 100 66 109 85 100 130 89 117 162 Processed vegetables................. 93 70 61 64 70 77 92 111 98 118 Other food at home..................... 1,059 853 577 750 772 831 1,063 908 1,188 1,443 Sugar and other sweets............... 130 88 74 94 82 128 145 100 128 178 Fats and oils........................ 94 102 62 70 88 81 84 86 98 120 Miscellaneous foods.................. 486 358 248 360 369 370 475 430 529 676 Nonalcoholic beverages............... 295 256 175 199 219 228 302 256 373 373 Food prepared by consumer unit on out-of-town trips................... 53 b/ 49 b/ 17 b/ 27 b/ 14 24 56 35 60 96 Food away from home.................... 2,442 995 960 1,166 1,256 1,508 1,960 2,149 2,469 4,360 Alcoholic beverages......................... 445 211 167 200 148 259 290 333 373 910 Housing..................................... 13,974 10,162 6,934 8,023 8,678 9,393 11,073 12,359 15,271 22,487 Shelter.................................. 7,603 5,212 3,855 4,444 4,994 4,765 5,926 6,657 7,756 12,733 Owned dwellings........................ 5,641 3,334 1,907 2,139 2,880 3,151 4,087 4,609 6,094 10,521 Mortgage interest and charges........ 2,710 1,550 798 717 1,068 1,409 2,039 2,224 3,244 5,071 Property taxes....................... 1,594 853 672 822 754 923 1,093 1,231 1,531 3,062 Maintenance, repairs, insurance,other expenses............................ 1,337 931 437 599 1,057 820 954 1,154 1,319 2,388 Rented dwellings....................... 1,283 1,561 1,789 2,137 1,921 1,393 1,427 1,678 1,018 618 Other lodging.......................... 679 317 159 169 193 222 412 371 643 1,594 Utilities, fuels, and public services.... 3,033 2,484 1,908 2,180 2,248 2,589 2,847 3,037 3,255 3,975 Natural gas............................ 399 360 237 271 293 337 377 355 421 550 Electricity............................ 1,126 944 795 875 900 996 1,085 1,180 1,216 1,360 Fuel oil and other fuels............... 140 b/ 78 62 93 105 116 122 147 146 201 Telephone services..................... 988 824 612 670 673 811 910 1,006 1,037 1,351 Water and other public services........ 381 278 202 270 278 329 353 349 434 512 Household operations..................... 606 758 176 222 178 300 320 495 553 1,267 Personal services...................... 86 b/ 386 b/ 3 b/ 3 b/ 10 b/ 27 b/ 28 b/ 48 79 189 Other household expenses............... 521 372 173 220 168 273 292 447 474 1,077 Housekeeping supplies.................... 847 399 356 436 415 544 573 660 1,853 987 Laundry and cleaning supplies.......... 156 135 107 114 136 140 176 123 166 193 Other household products............... 502 173 150 227 179 242 256 353 1,460 516 Postage and stationery................. 188 90 99 95 101 162 141 184 227 277 Household furnishings and equipment...... 1,886 1,309 639 741 844 1,195 1,407 1,510 1,854 3,525 Household textiles..................... 176 b/ 29 59 28 141 108 110 193 111 356 Furniture.............................. 461 277 128 130 151 253 325 238 489 965 Floor coverings........................ 65 b/ 133 b/ 2 b/ 31 b/ 49 9 21 14 46 166 Major appliances....................... 223 b/ 18 80 174 128 124 170 254 205 390 Small appliances, miscellaneous housewares............................ 147 199 40 67 55 185 103 104 131 238 Miscellaneous household equipment...... 813 653 331 311 320 516 679 705 871 1,411 Apparel and services........................ 1,802 697 542 799 926 1,165 1,262 1,506 1,699 3,420 Men and boys............................. 346 149 143 118 167 174 242 274 330 682 Men, 16 and over....................... 303 130 104 71 131 150 204 251 286 618 Boys, 2 to 15.......................... 43 b/ 19 40 47 36 24 38 23 44 64 Women and girls.......................... 821 286 206 420 498 570 566 719 802 1,485 Women, 16 and over..................... 774 278 185 378 452 530 531 689 724 1,429 Girls, 2 to 15......................... 47 b/ 8 b/ 21 42 45 41 35 30 77 56 Children under 2......................... 57 b/ 36 b/ 10 31 b/ 22 42 55 39 58 102 Footwear................................. 279 b/ 137 b/ 69 b/ 145 b/ 124 235 210 251 257 490 Other apparel products and services...... 300 89 114 85 116 143 189 223 252 660 Transportation.............................. 8,778 3,707 3,226 4,370 4,642 5,381 8,054 8,785 10,124 14,115 Vehicle purchases (net outlay)........... 4,223 b/ 1,396 1,637 2,253 2,101 2,238 4,070 4,321 4,983 6,776 Cars and trucks, new................... 2,455 b/ 483 b/ 551 b/ 800 b/ 1,077 1,190 2,003 2,517 2,401 4,774 Cars and trucks, used.................. 1,741 b/ 914 1,085 1,453 1,024 1,048 2,024 1,804 2,582 1,915 Other vehicles......................... b/ 28 e/ b/ 1 e/ e/ e/ b/ 43 e/ e/ b/ 87 Gasoline and motor oil................... 1,375 702 500 731 889 991 1,409 1,394 1,629 1,978 Other vehicle expenses................... 2,650 1,436 935 1,269 1,454 1,935 2,310 2,573 2,907 4,266 Vehicle finance charges................ 352 191 119 175 183 232 361 348 395 552 Maintenance and repairs................ 808 504 246 368 421 641 685 816 935 1,253 Vehicle insurance...................... 980 472 394 540 653 767 949 957 1,047 1,477 Vehicle rental, leases, licenses, other charges.............................. 509 269 176 186 198 296 315 451 531 984 Public transportation.................... 530 173 154 117 198 217 264 497 605 1,096 Health care................................. 3,071 2,390 1,404 2,066 2,255 2,639 3,314 3,480 3,134 3,967 Health insurance......................... 1,452 1,009 749 992 1,051 1,390 1,608 1,505 1,452 1,854 Medical services......................... 804 896 174 453 578 436 799 1,070 829 1,168 Drugs.................................... 678 387 437 532 552 713 752 787 691 747 Medical supplies......................... 137 97 44 88 73 100 154 118 162 198 Entertainment............................... 2,495 988 758 857 920 1,456 1,642 1,786 2,759 4,929 Fees and admissions...................... 598 220 145 111 150 175 296 407 626 1,394 Television, radios, sound equipment...... 735 500 397 473 418 559 647 749 768 1,096 Pets, toys, and playground equipment..... 429 199 139 216 270 296 366 378 471 711 Other entertainment supplies, equipment,and services.................. 734 69 77 56 82 426 332 252 894 1,728 Personal care products and services......... 597 306 244 290 343 416 426 564 711 968 Reading..................................... 179 96 62 96 82 103 145 191 186 308 Education................................... 706 b/ 177 b/ 30 b/ 103 101 129 288 287 430 2,050 Tobacco products and smoking supplies....... 366 244 309 390 351 429 337 430 428 312 Miscellaneous............................... 875 742 269 460 649 604 872 748 971 1,344 Cash contributions.......................... 1,619 1,022 337 352 622 964 1,064 1,023 1,753 3,329 Personal insurance and pensions............. 5,670 349 423 1,082 1,191 2,518 3,338 4,564 5,939 12,810 Life and other personal insurance........ 611 244 232 331 289 373 463 507 597 1,138 Pensions and Social Security............. 5,059 105 190 751 902 2,145 2,875 4,057 5,342 11,672 Sources of income and personal taxes: a/ Money income before taxes.................. 56,036 1,229 7,813 12,440 17,306 24,944 34,616 44,319 58,627 123,573 Wages and salaries....................... 42,859 774 1,654 4,040 8,851 14,981 23,733 32,773 45,429 101,484 Self-employment income................... 2,666 b/ -1107 b/ 59 b/ 324 411 558 598 1,598 1,972 7,734 Social Security, private and government retirement................... 7,601 1,009 4,009 6,230 6,281 7,888 8,043 8,143 9,021 8,571 Interest, dividends, rental income, other property income................... 1,728 1 131 125 602 503 1,242 795 1,160 4,569 Unemployment and workers'' compensation, veterans'' benefits..................... 335 b/ 62 b/ 96 287 b/ 311 357 340 446 359 378 Public assistance, supplemental security, income, food stamps..................... 427 308 1,576 1,231 657 323 443 b/ 162 252 108 Regular contributions for support........ 317 b/ 126 b/ 136 b/ 89 128 255 152 327 352 575 Other income............................. 104 b/ 55 152 115 b/ 66 78 67 b/ 75 83 154 Personal taxes............................. 2,841 -113 80 45 221 455 1,208 1,858 2,628 7,679 Federal income taxes..................... 2,070 -201 6 -46 48 173 691 1,230 1,864 5,912 State and local income taxes............. 502 -19 25 -6 40 144 202 422 503 1,273 Other taxes.............................. 268 108 48 97 133 138 315 205 261 494 Income after taxes......................... 53,195 1,341 7,733 12,395 17,085 24,489 33,409 42,461 55,998 115,894 Net change in total assets and liabilities... -6,828 -376 -3,073 638 -3,907 -3,330 -9,363 -223 -3,185 -16,618 Net change in total assets............... 5,738 4,251 403 1,178 -2,080 5,942 5,345 5,606 5,837 10,619 Net change in total liabilities.......... 12,566 4,627 3,476 540 1,827 9,272 14,708 5,828 9,022 27,236 Other financial information: Other money receipts..................... 1,671 b/ 930 154 b/ 3,511 359 1,194 1,186 4,765 1,143 1,554 Mortgage principal paid on owned property................................ -1,922 -1,377 -424 -697 -534 -698 -1,398 -1,789 -1,971 -3,894 Estimated market value of owned home..... 146,743 110,265 53,492 71,182 85,513 91,245 105,360 110,735 152,018 267,142 Estimated monthly rental value of owned home.................................... 889 671 399 466 546 623 723 779 963 1,442 Gifts of goods and services................. 1,660 693 327 631 501 852 998 946 1,485 3,725 Food..................................... 184 b/ 35 b/ 3 61 b/ 3 156 95 33 173 444 Alcoholic beverages...................... 19 b/ 7 b/ 12 b/ 26 b/ 12 14 b/ 8 d/ 21 32 Housing.................................. 345 128 117 161 71 258 190 297 320 684 Housekeeping supplies.................. 59 b/ 10 b/ 32 41 b/ 21 45 41 41 56 105 Household textiles..................... 25 b/ 2 d/ b/ 5 b/ 4 b/ 4 b/ 7 b/ 17 42 54 Appliances and miscellaneous housewares........................... 53 b/ 15 b/ 14 b/ 24 b/ 7 68 31 b/ 37 37 104 Major appliances..................... 19 e/ e/ b/ 7 b/ 4 b/ 16 b/ 5 b/ 3 14 48 Small appliances and miscellaneous housewares......................... 34 b/ 15 b/ 14 b/ 17 b/ 3 b/ 52 b/ 26 b/ 34 23 56 Miscellaneous household equipment...... 94 b/ 25 13 52 16 67 38 98 113 179 Other housing.......................... 114 b/ 76 57 39 b/ 22 73 73 104 73 243 Apparel and services..................... 355 85 114 246 125 194 233 215 321 724 Males, 2 and over...................... 79 b/ 39 30 28 27 53 53 38 70 164 Females, 2 and over.................... 162 b/ 6 57 171 56 81 85 102 138 334 Children under 2....................... 50 36 10 27 22 26 36 37 55 93 Other apparel products and services.... 64 b/ 4 b/ 17 b/ 20 b/ 20 34 59 38 58 134 Jewelry and watches.................. 33 b/ 4 b/ 8 b/ 4 b/ 12 b/ 7 35 16 24 81 All other apparel products and services............................ 30 e/ b/ 10 b/ 16 b/ 7 b/ 27 b/ 24 b/ 23 b/ 34 53 Transportation........................... 67 b/ 1 b/ 14 b/ 2 b/ 4 8 29 31 172 115 Health care.............................. 58 b/ 198 b/ 4 b/ 2 b/ 21 b/ 18 49 62 70 97 Entertainment............................ 110 b/ 61 b/ 21 51 43 86 79 98 89 215 Toys, games, hobbies, and tricycles.... 48 b/ 18 b/ 12 24 b/ 18 40 38 41 56 81 Other entertainment.................... 62 b/ 43 b/ 9 27 26 46 41 57 33 134 Personal care products and services...... 21 e/ b/ 7 b/ 8 b/ 18 32 16 b/ 10 26 30 Reading.................................. 3 b/ 4 b/ 2 b/ 1 b/ 1 d/ 2 5 2 5 Education................................ 359 b/ 34 b/ 7 b/ 29 b/ 29 b/ 13 176 110 130 1,143 All other gifts.......................... 140 140 26 45 174 74 121 85 161 237 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.05. d Value less than 0.5. e No data reported. n.a. Not applicable.