Table 32. Midwestern region 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)...... 21,466 798 1,422 1,852 1,520 2,845 2,533 2,120 3,399 4,979 Income before taxes a/ ...................... $50,861 $1,426 $7,718 $12,495 $17,490 $24,604 $34,471 $44,254 $58,994 $116,157 Income after taxes a/ ....................... 48,021 1,385 7,799 12,349 17,390 23,831 33,404 42,135 56,212 107,766 Age of the reference person.................. 48.4 37.4 52.6 57.5 54.1 51.3 46.7 46.2 44.9 46.3 Average number in consumer unit: Persons..................................... 2.4 1.7 1.5 1.8 2.0 2.1 2.5 2.6 2.8 3.1 Children under 18........................... .6 .4 .3 .4 .5 .5 .7 .7 .8 .9 Persons 65 and over......................... .3 .1 .4 .6 .6 .5 .3 .2 .1 .1 Earners..................................... 1.4 .9 .5 .6 .8 1.0 1.3 1.5 1.8 2.1 Vehicles.................................... 2.2 1.0 .8 1.2 1.6 1.7 2.2 2.3 2.7 3.2 Percent distribution: Male........................................ 51 39 37 34 39 46 54 56 61 59 Female...................................... 49 61 63 66 61 54 46 44 39 41 Homeowner................................... 70 30 37 52 57 59 70 71 82 93 With mortgage.............................. 42 14 9 11 18 23 38 47 60 74 Without mortgage........................... 28 17 28 41 38 36 32 24 22 19 Renter...................................... 30 70 63 48 43 41 30 29 18 7 Black or African American................... 9 16 15 13 11 13 8 7 6 4 White, Asian, and All Other Races........... 91 84 85 87 89 87 92 93 94 96 Elementary (1-8)............................ 4 4 11 11 6 5 2 3 1 1 High school (9-12).......................... 40 36 49 59 58 50 46 38 35 23 College..................................... 56 59 39 30 36 44 52 59 64 76 Never attended and other.................... b/ c/ b/ b/ b/ b/ b/ b/ b/ c/ At least one vehicle owned or leased........ 90 61 59 76 88 90 95 98 99 98 Average annual expenditures.................. $42,797 $19,179 $15,677 $21,084 $24,939 $28,821 $34,446 $40,545 $50,465 $76,266 Food........................................ 5,365 3,279 2,510 2,955 3,619 4,032 4,862 5,250 6,572 8,390 Food at home............................. 3,000 1,706 1,550 2,074 2,466 2,489 2,862 3,003 3,549 4,216 Cereals and bakery products............ 439 243 249 298 354 361 412 415 514 634 Cereals and cereal products.......... 145 92 100 102 114 118 131 132 162 213 Bakery products...................... 294 151 149 197 240 244 281 284 352 421 Meats, poultry, fish, and eggs......... 723 413 358 520 616 650 690 781 850 952 Beef................................. 223 109 84 153 171 202 215 272 272 291 Pork................................. 158 88 81 113 128 153 159 172 183 199 Other meats.......................... 102 67 59 79 94 98 92 96 122 128 Poultry.............................. 124 69 70 86 129 103 113 130 137 172 Fish and seafood..................... 88 57 45 65 66 63 80 79 108 131 Eggs................................. 29 23 19 25 28 31 31 31 28 31 Dairy products......................... 337 183 179 233 280 261 319 344 409 475 Fresh milk and cream................. 133 70 76 105 120 110 127 137 154 177 Other dairy products................. 204 113 103 128 161 150 193 207 255 298 Fruits and vegetables.................. 494 290 263 369 463 410 467 475 570 682 Fresh fruits......................... 158 84 80 112 159 133 151 161 174 220 Fresh vegetables..................... 147 91 78 106 129 133 134 131 163 212 Processed fruits..................... 104 62 57 90 92 85 99 92 129 140 Processed vegetables................. 84 53 48 62 82 59 83 91 104 109 Other food at home..................... 1,008 578 501 653 753 807 973 988 1,206 1,473 Sugar and other sweets............... 125 64 61 95 95 109 123 117 143 178 Fats and oils........................ 80 39 38 69 67 75 83 86 87 105 Miscellaneous foods.................. 497 289 245 313 378 387 483 473 597 741 Nonalcoholic beverages............... 267 167 145 165 202 215 251 279 335 371 Food prepared by consumer unit on out-of-town trips................... 38 19 12 10 11 21 33 33 44 79 Food away from home.................... 2,365 1,573 959 881 1,154 1,543 2,000 2,246 3,023 4,174 Alcoholic beverages......................... 459 276 209 171 225 309 336 480 547 843 Housing..................................... 12,944 6,782 5,617 7,234 8,722 9,281 10,359 12,229 14,981 21,842 Shelter.................................. 7,185 4,103 3,358 4,116 4,950 5,001 5,647 6,911 8,024 12,170 Owned dwellings........................ 4,968 1,591 923 1,726 2,541 2,406 3,481 4,645 6,051 10,228 Mortgage interest and charges........ 2,616 857 218 403 810 984 1,702 2,521 3,403 5,859 Property taxes....................... 1,357 473 467 687 1,049 808 953 1,078 1,508 2,633 Maintenance, repairs, insurance,other expenses............................ 994 261 238 637 683 615 826 1,047 1,140 1,736 Rented dwellings....................... 1,719 2,109 2,254 2,215 2,220 2,402 1,941 1,974 1,557 666 Other lodging.......................... 498 402 182 174 189 193 225 291 416 1,276 Utilities, fuels, and public services.... 2,763 1,444 1,496 1,986 2,257 2,369 2,643 2,777 3,140 3,803 Natural gas............................ 522 313 264 400 463 456 472 500 561 739 Electricity............................ 902 451 571 721 746 808 895 923 1,011 1,159 Fuel oil and other fuels............... 90 d/ 18 59 91 85 80 117 94 83 107 Telephone services..................... 937 532 465 585 721 780 858 939 1,125 1,335 Water and other public services........ 311 129 138 189 243 244 300 321 359 465 Household operations..................... 621 377 115 258 262 346 381 464 690 1,347 Personal services...................... 277 d/ 224 d/ 15 91 68 134 159 172 356 624 Other household expenses............... 344 153 100 167 194 212 222 292 334 722 Housekeeping supplies.................... 697 240 259 340 445 444 540 686 1,262 979 Laundry and cleaning supplies.......... 145 61 77 86 133 114 136 136 168 220 Other household products............... 402 99 106 183 234 200 261 394 914 528 Postage and stationery................. 150 80 77 71 78 131 142 156 180 231 Household furnishings and equipment...... 1,679 619 388 533 807 1,121 1,149 1,390 1,865 3,543 Household textiles..................... 123 24 42 65 75 96 99 113 156 211 Furniture.............................. 409 74 59 96 115 300 269 310 467 906 Floor coverings........................ 47 d/ 9 d/ 3 13 20 29 12 19 49 127 Major appliances....................... 213 58 56 81 86 156 122 207 251 431 Small appliances, miscellaneous housewares............................ 103 39 20 42 57 127 80 128 95 166 Miscellaneous household equipment...... 783 416 208 236 453 414 567 613 847 1,702 Apparel and services........................ 1,776 1,035 596 1,013 937 1,225 1,383 1,525 1,964 3,345 Men and boys............................. 423 178 220 164 199 220 306 416 460 866 Men, 16 and over....................... 327 107 202 65 139 171 210 342 360 697 Boys, 2 to 15.......................... 96 71 18 98 60 49 96 74 99 170 Women and girls.......................... 733 471 187 545 383 535 577 544 778 1,390 Women, 16 and over..................... 620 428 152 465 338 470 499 454 634 1,169 Girls, 2 to 15......................... 114 43 35 81 45 65 79 90 144 221 Children under 2......................... 100 49 27 33 59 80 102 109 113 166 Footwear................................. 278 242 67 181 167 212 243 255 370 430 Other apparel products and services...... 241 95 95 89 129 178 156 201 243 493 Transportation.............................. 8,342 3,409 2,673 3,830 4,274 5,591 7,151 8,281 10,337 14,518 Vehicle purchases (net outlay)........... 4,129 1,699 1,352 2,086 1,848 2,664 3,436 4,024 5,066 7,362 Cars and trucks, new................... 1,905 d/ 202 d/ 434 d/ 677 d/ 808 1,066 1,058 1,059 1,880 4,677 Cars and trucks, used.................. 2,123 1,442 918 1,359 1,040 1,596 2,263 2,878 3,069 2,452 Other vehicles......................... 101 d/ 55 c/ d/ 50 c/ d/ 1 d/ 115 d/ 87 d/ 116 233 Gasoline and motor oil................... 1,333 652 510 630 857 1,010 1,312 1,400 1,653 2,032 Other vehicle expenses................... 2,498 886 671 1,017 1,428 1,647 2,224 2,536 3,224 4,276 Vehicle finance charges................ 401 113 69 109 162 216 361 497 583 687 Maintenance and repairs................ 666 282 231 320 441 449 559 669 873 1,091 Vehicle insurance...................... 904 278 232 456 601 696 903 942 1,103 1,421 Vehicle rental, leases, licenses, other charges.............................. 527 213 138 132 225 285 400 428 665 1,077 Public transportation.................... 382 173 141 96 140 271 180 322 394 848 Health care................................. 2,599 1,162 1,172 2,115 2,362 2,521 2,635 2,701 2,872 3,291 Health insurance......................... 1,308 457 664 1,151 1,229 1,334 1,302 1,441 1,451 1,546 Medical services......................... 619 266 159 385 408 436 715 593 721 956 Drugs.................................... 546 345 311 519 655 647 512 530 553 588 Medical supplies......................... 125 94 38 60 69 104 107 137 147 200 Entertainment............................... 2,205 854 688 823 973 1,285 1,631 1,891 2,648 4,415 Fees and admissions...................... 551 267 129 164 168 245 299 397 576 1,328 Television, radios, sound equipment...... 740 368 309 431 439 563 658 699 856 1,211 Pets, toys, and playground equipment..... 417 124 97 165 281 261 377 473 494 732 Other entertainment supplies, equipment,and services.................. 498 95 152 62 86 216 297 322 722 1,144 Personal care products and services......... 541 237 222 406 424 392 463 519 600 875 Reading..................................... 156 75 61 95 95 119 117 145 178 267 Education................................... 773 1,118 592 242 491 186 399 587 615 1,774 Tobacco products and smoking supplies....... 399 209 284 344 397 436 435 550 439 354 Miscellaneous............................... 767 204 268 373 565 671 699 788 1,025 1,118 Cash contributions.......................... 1,512 245 443 581 771 1,040 1,056 1,316 1,511 3,180 Personal insurance and pensions............. 4,959 294 343 903 1,083 1,732 2,920 4,284 6,176 12,052 Life and other personal insurance........ 455 126 86 216 340 280 328 401 478 909 Pensions and Social Security............. 4,504 168 257 687 744 1,453 2,592 3,883 5,698 11,144 Sources of income and personal taxes: a/ Money income before taxes.................. 50,861 1,426 7,718 12,495 17,490 24,604 34,471 44,254 58,994 116,157 Wages and salaries....................... 41,295 1,785 2,327 3,906 7,887 15,384 25,424 36,493 51,376 100,895 Self-employment income................... 2,139 -1,407 97 305 242 421 679 1,446 1,647 6,905 Social Security, private and government retirement................... 5,246 424 3,646 6,981 8,008 7,324 6,722 5,210 4,184 3,787 Interest, dividends, rental income, other property income................... 1,063 55 91 202 269 634 804 487 948 2,764 Unemployment and workers'' compensation, veterans'' benefits..................... 256 d/ 37 d/ 65 167 157 222 352 198 374 324 Public assistance, supplemental security, income, food stamps..................... 242 273 993 553 305 237 204 95 89 75 Regular contributions for support........ 469 108 210 222 341 284 218 262 285 1,179 Other income............................. 153 151 288 159 281 99 67 62 92 227 Personal taxes............................. 2,840 41 -81 146 100 773 1,067 2,119 2,782 8,391 Federal income taxes..................... 1,924 -7 -110 -2 -71 394 535 1,329 1,800 6,059 State and local income taxes............. 678 -6 4 16 60 204 349 598 723 1,856 Other taxes.............................. 238 54 25 132 111 175 183 192 258 477 Income after taxes......................... 48,021 1,385 7,799 12,349 17,390 23,831 33,404 42,135 56,212 107,766 Net change in total assets and liabilities... -9,141 -3,415 -3,113 161 -1,778 -7,094 1,834 -9,754 -10,282 -23,198 Net change in total assets............... 5,258 1,194 -1,446 2,663 1,606 -675 8,573 4,549 4,021 12,751 Net change in total liabilities.......... 14,398 4,609 1,667 2,502 3,384 6,419 6,739 14,303 14,303 35,949 Other financial information: Other money receipts..................... 737 d/ 47 329 492 169 413 221 3,458 446 714 Mortgage principal paid on owned property................................ -1,549 -606 -189 -387 -396 -765 -727 -1,007 -1,636 -3,909 Estimated market value of owned home..... 102,208 42,037 32,815 54,139 60,341 61,435 73,781 80,741 112,380 202,272 Estimated monthly rental value of owned home.................................... 684 303 239 386 407 433 535 603 784 1,252 Gifts of goods and services................. 1,167 515 211 469 609 826 866 1,018 1,171 2,411 Food..................................... 87 d/ 59 14 34 d/ 19 52 53 40 118 188 Alcoholic beverages...................... 16 d/ 16 d/ 7 d/ 10 d/ 10 9 9 d/ 3 22 33 Housing.................................. 272 166 64 120 159 216 186 241 306 512 Housekeeping supplies.................. 47 d/ 21 d/ 12 22 22 38 27 48 70 77 Household textiles..................... 19 d/ 2 b/ d/ 3 d/ 17 11 d/ 14 16 25 38 Appliances and miscellaneous housewares........................... 30 d/ 6 d/ 3 d/ 18 d/ 23 23 22 21 17 70 Major appliances..................... 12 c/ d/ 1 d/ 5 d/ 3 d/ 1 d/ 6 b/ 5 43 Small appliances and miscellaneous housewares......................... 18 d/ 6 d/ 2 d/ 13 d/ 19 21 16 20 12 27 Miscellaneous household equipment...... 77 69 11 40 36 52 50 87 99 137 Other housing.......................... 99 67 38 38 61 92 71 69 95 190 Apparel and services..................... 263 98 32 157 181 265 170 292 264 464 Males, 2 and over...................... 64 40 d/ 10 66 40 52 42 95 53 105 Females, 2 and over.................... 104 15 d/ 3 52 70 97 67 95 98 213 Children under 2....................... 45 25 11 21 28 37 32 55 48 78 Other apparel products and services.... 50 d/ 17 d/ 8 18 d/ 44 79 28 48 65 68 Jewelry and watches.................. 26 d/ 7 d/ 4 d/ 10 d/ 13 51 8 31 38 28 All other apparel products and services............................ 25 d/ 10 d/ 4 d/ 8 d/ 31 d/ 28 20 d/ 17 26 40 Transportation........................... 56 b/ d/ 1 38 d/ 19 71 23 79 81 79 Health care.............................. 70 d/ 26 d/ 36 d/ 7 d/ 85 42 129 50 26 131 Entertainment............................ 89 d/ 24 31 23 35 73 80 87 101 163 Toys, games, hobbies, and tricycles.... 34 d/ 9 7 13 17 31 29 32 44 57 Other entertainment.................... 55 d/ 15 24 9 19 42 51 55 57 106 Personal care products and services...... 22 d/ 2 d/ 1 d/ 19 d/ 18 13 27 36 17 34 Reading.................................. 2 d/ 1 b/ 1 1 2 1 1 3 2 Education................................ 200 d/ 97 d/ 5 d/ 35 d/ 15 26 145 129 121 605 All other gifts.......................... 92 26 19 25 66 56 44 59 113 200 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.